Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Began the process of paying off the line of credit/loan with CSC XXXX XXXXXXXX which, was due for pay off by XX/XX/XXXX. Noticed a charge of {$19.00} titled Advance. Looked back through a few statements and noticed that the charge had been occurring for at least several months. Did not go back at that time any further than a few months. Called CSC and spoke initially spoke with call taker who tried to tell me she though it was an addition into my account not money being withdrawal. I told her that if you add it up, it is clear that its being withdrawal and that I dont know what for. She stated that she would request that the account be audited and would have someone from that department get back to me. 

XX/XX/XXXX I called back and spoke with a Supervisor, XXXX XXXX.  I had to re-explain to her what I previously told the other female I spoke to. She advised that the account was never audited. She told me the {$19.00} is a withdrawal. She advised that she would find out what the withdrawal is for and get back to me. XXXX XXXX called back and claimed that they had left a message for XXXX XXXX XXXX   on XX/XX/XXXX trying to determine who the debtor of the {$19.00} Advance was. **This line of credit was originally set up through XXXX XXXX , which was sold to XXXX XXXX , however the line of credit is through CSC XXXX XXXX.XXXX XX/XX/XXXX I called XXXX XXXX and spoke with XXXX not only did they tell me that they were never contacted by CSC XXXX but that they would not have any information on my line of credit or any debtors to that line of credit as they dont hold that account, CSC does . They further stated that CSC XXXX is well aware of this. I told XXXX that if possible I would be attempting to file a dispute charge through XXXX XXXX if I can not get it done through CSC. XXXX advised sine they originally set up the line of credit for myself and my husband, I would need to file an Affidavit with CSC and then it would get forwarded to XXXX XXXX if need be. 

XX/XX/XXXX I called XXXX XXXX at CSC back and explained all this to her. She told me to file a complaint with the debtor. I told her I still did not know who it was as no one has told me and this was my original question. XXXX called me back advising the debits are coming from XXXX XXXX XXXX by XXXX XXXX. She provided a phone number for XXXX XXXX of XXXX. 

XXXX XXXX gave me a phone number for the company that processes their charges of XXXX, who provided a phone number for XXXX XXXX of XXXX. 

I called XXXX XXXX and spoke with a female. I asked her what kind of company XXXX XXXX is. She explained they sell books and education material for children and do door to door sales. I then knew where the charge came from. XX/XX/XXXX, I made a one-time purchase of a set of educational books from a door to door sales woman. The purchase amount was {$750.00}, written on check XXXX from this account, addresses to XXXX XXXX. I asked the company why I was being charged {$19.00}. The female explained I have a 90 day free website access and then I started getting charged {$19.00} from then on every month. I explained to her that I made a one-time purchase and did not sign up for a website. She stated that a box on the receipt was checked. I told her I did not care, I did not agree to years of monthly withdrawals. She cancelled the monthly withdrawal and said she would notify her PR department and they would look into it. I asked if someone was going to call me back. She said they should but did not sound promising. They never called back. I did some online research ( little too late ) and found that this company is known for similar scams ). 

I called XXXX at CSC back and explained this to her and asked how they could do monthly withdraws from a one-time check payment. She said she did not know and it did not seem right. She said she would look into it. I told her I wanted to file the paperwork to dispute the charges. She said she would send it. 

I continued paying off the balance I owed on my line of credit as it was due in XXXX. 

XX/XX/XXXXCalled CSC and spoke with a different Supervisor XXXX XXXX ( didnt get the exact date ). Re-explained to XXXX that I need the paperwork to file a dispute and that XXXX XXXX was supposed to be sending it to me. XXXX said she would send it to me. I explained to her that this loan was due to be paid off at the end of the month and that I was trying to get it taken care of before I paid it off as it would be easier that dealing with a loan that was now closed. I also expressed my displeasure in CSC employees saying they were going to do something and then failing to do it time and time again. She assured me she would send me the paperwork. I also requested payoff amounts from their automated system so I would have the exact amount. 

XX/XX/XXXX Called CSC and spoke with Supervisor, XXXX XXXX. I was intending to pay off this loan, via telephone, when she advised me that the payoff amount I had requested and received was not necessarily the payoff amount and that I could not do pay off amounts via telephone. She told me I could do it via XXXX XXXX, which I did. 

I again requested the paperwork to file the dispute. XXXX said she would send it out. She also explained she would email me a form to sign detailing what we wanted done with the account once it was paid off, like if we wanted if closed. She explained for us to sign it and email it back to her. 

XX/XX/XXXX I received the form on the account, my husband and I signed and dated it and emailed it back to XXXX at CSC, but no dispute forms. 

XX/XX/XXXX I sent an email to XXXX at CSC again asking for the dispute form. No response. I also left her a voice mail. 

XX/XX/XXXX I received an email from XXXX at CSC. The email said she never received the signed form closing the account ( which was due to be closed XX/XX/XXXX ). She stated she attached another one and asked we sign it and send it back. I resent her the original. I did not want another form with an old date, afraid they would charge me for closing the account late. I asked her why the account did not show a XXXX   balance as I paid on time and the amount that was due. I also inquired about the paperwork again. I again left her a voice mail. 

XX/XX/XXXX I called XXXX and spoke with XXXX. I further explained to XXXX that I never received the paperwork she promised she would send. She explained she did not send it to me as the company decided I should dispute it with XXXX and therefore they cant help me. I explain that the company is known for scams like this and their PR department never contacted me back. Regardless, I told her, I have the loan with them, I should be able to file a dispute with them. I do not feel they have the right, nor proper paperwork to allow XXXX to make monthly withdraws. I wrote one check for one purchase. That does not give anyone I ever wrote a check to the right to keep withdrawing money. I explained to her they are my financial institute and I feel they had a responsibility to protect me more, to require some sort of proof that I would allow someone monthly access. 

XXXX said she would contact the Resolution Department at CSC and will call me back. I asked her why she never called me back or answered the question regard the forms in any of my emails. I reminded XXXX that I have a car loan with CSC and that if this is how they handle their business I will happily take my car loan elsewhere. XXXX did not provide any reason for not responding to me. She did explain the reason my statement she last sent me with the balance, was a balance owed to me of a few dollars. She explained I over paid somehow. **I have never received a refund from them**. She did confirm that she received the paperwork from me to close the account. 

I asked XXXX for her supervisors name in case she again does not call me back like she says she will. She said to ask to talk to XXXX XXXX ( would not give me a first name ). 

XX/XX/XXXX No call back from XXXX so I called CSC. XXXX not in. I asked for XXXX XXXX. Was told her was in a meeting. Asked if he would call me back. Explained why and was told they sent him a message and his reply was that he would not speak with he and for me to talk to another supervisor. Assured that Supervisor XXXX would call me back in 15 minutes. He never did. 

XX/XX/XXXX I received a letter in the mail from CSC XXXX. I said that in a recent conversation I stated I had not received a dispute form for 3rd party charges I was assessed. The letter told me to contact the 3rd party. 

I have a friend who works in the banking industry who put me in contact with you guys for filing a complaint which is what I would like to do. As you can see I have tried. I have gotten nowhere and no one at CSC XXXX or of course XXXX cares. I understand XXXX is a shady company but CSC XXXX handles a lot of loans. Two of mine. They should be responsible to make sure people have the property paperwork to make monthly withdrawals from accounts. This is literally the only account we have this could have happened to long term. I check every other account and will do so on every account now. This was a line of credit for a lake house we purchase. We made a substantial payment into it every month. I only wrote 20 checks on this account the entire 10 years we had it open. I did not have any bills set to automatically withdrawal, or so I thought. Therefore, I did not look at it each month. I auto paid it and went on, until it came till to pay it off. I believe the total amount I am disputing is {$1100.00}.