Consumer complaint received 2018-01-03
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied for a pay day loan with XXXX XXXX XXXX. I had some additional issues that prevented me not to be able to pay on XX/XX/XXXX. I called in and spoke to a customer representative a few days prior, which I requested an additional 2 weeks. He told me that he would extend it and I had to call in no later than XX/XX/XXXX to extend it for a few more months as I had to take a state accredited credit counseling course which then I would be given me almost 3 months to repay the loan in installments. Well, I called in on XX/XX/XXXX approximately XXXX XXXX and told the rep that I spoke to that I had taken the credit counseling course and I was calling to get an installment plan, she spoke to me for approximately 10 minutes or so than she told me to hold on so she can verify the documents. She kept me on hold for another several minutes and then verified they received and then she informed me, I will receive a new contract with the installment loan by email. I received an alert the following day and it was an overdraft on my account because XXXX XXXX XXXX  debited my account on XX/XX/XXXX when they were not supposed to. I called in on XX/XX/XXXX and requested to speak to a supervisor and someone named XXXX answered. I explained that I was extremely upset, because I took the course and called in and did everything I was supposed to do and you debited my account and not only that, I have a {$35.00} overdraft fee applied by my bank. XXXX, had me on the phone almost and hour and she told me, I did not do a state approved counseling course, I said it was as this is the same course that I took once before and it was approved by your organization, then she said that I did not provide a completion sheet, I said the information is the same I submitted prior that was accepted, then she said, I was supposed to provide an appointment letter first, I said I did not before, I just took the course and was approved. Then she said I called in after XXXX, I indicated I did not, your representative kept me on the phone until after XXXX. She came up with every excuse to attempt to point the finger at me, when their company dropped the ball. I asked her to reverse the debit, she said she could not. Then she said, I could reapply, why in the world would I do that, I am disputing with my bank and expecting them to give me the payment plan that I should have had to repay them. I have used this company before and never had this issue, I always paid. I do not plan on using them again. I even asked for my banking information to be removed as I do not trust the company after debiting my account hen they were not suppose to, she indicated she could not delete my banking information which is not right. It seems I am going to have to put a block or change my banking account information. I asked her for a corporate contact, I was informed it was no need as the complaint would be redirected to her.

Company response to consumer: Closed with monetary relief