My husband and I have two loans through Crescent Bank. The first was in my husbands name and the second is in my name. 2 years ago, my husband got into an accident with his cadillac and it had to be totaled. After the insurance company paid for the majority of the balance, it still left us with a $1000.00 debt. My husband at the time informed Crescent that he would make a payment of $50 a month which would be sent via money order because we don't do checks or credit cards. He was told that would not work and he told them that if they would not work with him then he would not make the payments any other way. Since then, he has had to quit his job because of a medical condition for the military and I am now his fiduciary for his VA funds because he has been deemed incompetent to handle his finances.
Well, today he received a call from a "Rep" to inform him that he now owes $1600.00 and needs to pay this - understandibly so! Well if Crescent had been willing to deal with him 2 years ago, the debt would have been paid by now. Needless to say, the "lady" - and I use that loosely, was compliant to work out a payment arrangment with him over the span of a year, however, I handle his VA funds so he is not authorized to make decisions like this, I am. He needed to let me know what was going on, and in telling her this, she got irrate with him. I got on the phone and explained the situation with his VA issue and so forth. She proceeded to tell me that the debt payment option was necessary and she would need my bank account info. She also said bluntly that he is a "dead beat" for not paying the remaining balance. He had tried to make a deal before, and now his character is being questioned? After a lot of back and forth jargin, she told me I was a liar about my husbands condition, because my mother-in-law, that she called earlier that day, didn't mention anything about his mental status. Is she suppose to? Not even close!
I have no job right now, yet my husband's funds pay for our vehicle now through the same stinkin' company. She had the audacity to ask me how this company would allow two loans when I have no job. I just lost my job 2 weeks ago. It's hard enough to deal with a disabled husband, with the finances being totally on me and I have to relay all debt information to VA before I can even go through with repaying anything back..
After a few times of her telling me she was putting me on hold, and didn't, I heard the entire converstion she was having with another associate, she said, I wonder what her mother-in-law would think about all of this, I told her she would not get any account info from me and she threatened to tag my bank account, his va funds, and call my mother-in-law to ask her about his condition because she didn't believe me. One thing she said that stuck out the most was " Who has determined his medical conditon... You?" I would give anything to have my husband back to the way he was, He is 100% disabled and only 35 years old. He fought for her stinkin' freedom and she has the nerve to question me as well. She surely needs to be removed!
I will be making a once a month payment to them with a money order and that's all I'm giving them, I've already reported them to BBB and the Attorney General's office. Don't do business with these people ever! Some of the other stories I've read here I've dealt with too, yet this was the last straw for me.
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