Debt collection -- False statements or representation -- Complaint #5933378
Complaint Overview
Complaint ID: 5933378
Company: Pinebrook Holdings, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Illinois
ZIP Code: 62221
Date Received: 2022-08-30T12:00:00-05:00
Date Sent to Company: 2022-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date Incident Occurred : XX/XX/XXXX The Debt Collector : St Louis Loan/PH Financial Services LLC This debtor did not give me a written notice or receive pre-authorization to run an debit/ACH from my checking account TWICE in one day. I called the company to see why they had did the double withdrawal from my account and her reason was because I did not answer my phone ( it was off, I can obtain proof ) she said " if it goes through for the payment due the due date ( XX/XX/XXXX ), we push through another payment for any past due payments ( XX/XX/XXXX ) '' meaning if I were behind 3 payments she would have ran 3 different debit/ACH 's on my account which is highly illegal. Since I was only behind 1 payment when on the due date she ran 2 debit transactions on my account for payment due and past payment due. The company did not ask to rectify by sending payment back. I had to call my bank and authorize a stop-payment on this merchant/debtor and have the 2nd debit transaction reversed. The company called me approximately XX/XX/XXXX letting me know they had received the STOP-PAYMENT request and the reversal claim from my bank and told me I would not be able to obtain a loan with them ever again without authorizing them to ACH from my account. She also asked me to cancel the reversal claim with my bank ( because they could not dispute the claim ) it was not authorized and they had no oral or written authorization from me. She then threatened me calmly about garnishments that could potentially be sent to my place of employment.
Frequently Asked Questions
What is Complaint #5933378 about?
Complaint #5933378 was filed against Pinebrook Holdings, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-08-30T12:00:00-05:00.
How did Pinebrook Holdings, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Pinebrook Holdings, LLC?
Yes, visit the Pinebrook Holdings, LLC company profile at readthecomplaint.com/company/pinebrook-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.