I have had a loan with Triad Financial since October and I have had so many misapplied payments, missing payments, and payments posted long after they have cleared my bank account, that my 5 year loan has turned into a 7 year loan.
Triad has on numerous occasions taken a payment from me by phone, and then not applied it untill days after it has cleared my bank account. Also, any time I have mailed in a payment they take even longer to apply the pymt - sometimes it will be weeks before the pymt is actually applied to my account.
On occassion when my account has fallen past due, Triad representatives will call several times a day, leaving messages each time, which is a clear violation of the FDCPA, not to mention the fact that thay call before 8am and well after 9pm - also a violation of FDCPA guidelines.
They have also been asked on several occassions not to contact me at my place of employment, and I have written 3 letters to this effect, yet ever time my account become more than one day past due, I will receive a call at work.
I have also asked Triad reps repeatedly not to call my "references" yet they continue to call and harrass family members, friends, and neighbors.
Amy
Gray, Tennessee
U.S.A.
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