LBAC has to be the rudest and most unprofessional creditor I have ever dealt with. I have been a customer of theirs since 2000 and all I've ever gotten was rude treatment from this company. I recently lost a relative to cancer and had to help with funeral costs. I had already arranged for a direct debit payment but I needed to push it back two weeks. My payments are due the 27th of each month and I had asked they withdraw the money from my bank account on the 31st. Since I knew the money wouldn't be available I called on the 29th to let them know and ask for a courtesy two weeks.
When I spoke with my collections rep he told me he would help but I HAD to explain why. Being my reason was personal, I just told him the monies would not be available the 31st. The rep told me this was not a "sufficient enough" explanation. When I repeated the monies would not be available on the 31st, he nastily reiterated that this was not a good enough explanation and he is going to do nothing until I explain to him why the money would not be there. Having just lost my brother I did not take kindly to this. I explained to him that I could have let them try to withdraw from my account with no funds there. Doing that would've cost me and LBAC a service charge for non-sufficient funds.
However, I took the time to make a call and try to work something out. The rep's reply, "That's not my problem". I asked to speak with a supervisor at that point and at first he was reluctant but finally transferred me to his supervisor. His supervisor was nicer but she asked the same question, "Why"? When I explained the funds would not be available, she explained that she needed a reason. This time I gave her one. I told her that I am flying to the moon and I'll be gone until the 15th so please withdraw from my account on that day. I also let her know that I would contact my bank and make them aware that I did NOT authorize LBAC to direct debit from my account and to prepare a fraudulent charge report should any such activity occur. To which she replied "OKAY".
This company has caused me nothing but grief since I signed on with them. My payments are due on the 27th and they'll call me on the 28th if they've not received payment. They call first thing in the morning, late at night and sometimes they use different numbers to see if I will pick up. Thank god for caller ID because I do not answer unrecognized calls. I switched jobs a few months ago and recently was left message asking to update my employment info. Of course I have not returned this call.
Something must be done about the rudeness and invasive practices of this company. I asked the same courtesy of other creditors the same time I asked LBAC they were courteous, professional and understanding to my situation. They even gave me the option of having my monthly payment pushed back a month but I declined since all I needed was two weeks. I can not stand this company and I will never do business with them again. I am all for chipping in to bring this company' practices to the attention of the general public.
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