Consumer complaint received 2023-02-15
Company: ZuntaFi Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I purchase a vacation package for {$19000.00} from XXXX XXXX XXXX from their saleslady XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX, Zunta Fi, AddressE : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone # ( XXXX ) XXXX was the loan lender. Zunta Fi was offering 18 months free interest, a monthly payment of {$440.00}, with an interest rate of 25 %. XXXX XXXX give me a paper stating that in a business day or two I would receive an e-mail with the lenders loan contract. I was extremely worried about not receiving a lenders loan contract and decided to cancel the vacation contract. On XXXX I called XXXX XXXX and inform her that I was cancelling the vacation contract. XXXX XXXX became extremely upset and profoundly angry. She was no longer the sweet and honest devout XXXX lady she had projected to be. She was now ruthless and extremely angry and unwilling to work with me if I insisted on cancelling their contract. I hired the law firm of XXXX XXXX and my attorney is XXXX XXXX P # ( XXXX ) XXXX. On XX/XX/XXXX I made my first payment to Zunta Fi and made all my payments on time, except the XXXX. I called Zunta Fi several times requesting my lender contract, each time they promise to e-mail me one but they never did. In XXXX I found out that Zunta Fi had withdrawn XXXX payments in XXXX, XXXX, and XX/XX/XXXX. Zunta Fi had withdrawn XXXX extra payments without my authorization .Zunta Fi return the XXXX and XXXX payment but for some reason kept the XX/XX/XXXX payment. I kept asking them to return the XXXX XXXX payment and they said they would but took their time returning it XXXX XXXX I received an e-mail from Zunta Fi that they were transferring my account to XXXX XXXX XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX # ( XXXX ) XXXX. ON XXXX and XXXX I called Zunta FI and ask them if I could stop the transfer, they said NO. I also asked if the new company was going to honor the interest free and they said, YES. I ask them about the payments and was told I would be making the payments to XXXX and that my date might change .I requested my XXXX payment and they send it back to me. I ask for the balance and was told it was {$16000.00}. XXXX is now saying that because the XX/XX/XXXX payment was not made I loss the interest free and now interest has been applied to the loan and all this was done by Zunta FI. I got a call from XXXX who works for Zunta FI and she stated that they transferred a balance of {$16000.00} and that any other amount was done by XXXX. THE RELIEF : I am seeking is for ( 1 ) the original contract from ZUNTA FI be canceled completely and all my payments return. ( 2 ) since the XXXX payment was miss by deceiving me into not making that payment it would only be fair to allow me to make that payment and the interest that has been added remove and allowing me ten business days to transfer the balance XXXX to another lender. One that I choose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation