Consumer complaint received 2019-06-03
Company: Credit Services Corporation, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was originally set up on auto payments through the HCS Loans website, however their system routinely failed to pull the money out on the due date so in XXXX I manually made my payment and withdrew from their auto payments. Despite their system failing to pull funds as scheduled I made all of my payments timely or within the 3 day grace window, my due date is the XXXX of every month. 

I was originally contacted by a collector on XX/XX/XXXX that once I explained that I have made monthly payments they are just being made early he ended the call. 

Since deciding to manually make my payments I have been paying at the beginning of the month. They are telling me now, XX/XX/XXXX, that their system can not recognize the early payments correctly and that I need to make two payments in XXXX to get caught up because their system reads my XXXX payment, XX/XX/XXXX, as an XXXX payment even though it was clearly made in XXXX and the XXXX payment had already been made. The representative transferred me to a manager who said that they could not credit the XX/XX/XXXX payment as a XXXX payment because the XXXX billing cycle was still in affect when i made that payment and that I need to make two payments to get caught up. 

The representative and manager both agreed that they could see monthly payments but that my XXXX payment came in to early so it can not be reflected as a XXXX payment. I told the manager that I would happily go ahead and pay my XX/XX/XXXX payment if they would go ahead and have their system recognize the XXXX payment as a XXXX payment or as not due. She said that they could not do that. She said that I am now being charged late fees ( even though the payments actually came in early ) and my account now reflects interest charges which per my contract it should not. 

I am waiting on a reply from a higher up manager but was told that it can take a while and that they will not make their system reflect the XX/XX/XXXX payment as a XXXX payment. They are crediting it as an extra XXXX payment. I also offered to from now on wait until at least the XXXX of the month to make payments to be sure that the billing cycle for the previous month was over. However the first representative told me I needed to wait until the XXXX and the manager said the XXXX but that the XXXX billing cycle ended the XXXX so they dont seem to know when their billing cycle ends. My payment history per their website is below. 

They are now, XX/XX/XXXX, telling me that even though the payments are clearly made monthly that I am behind because my XXXX payment was too early to be credited as a XXXX payment. 

They are trying to collect an extra payment from me even though I have made a payment every month and are now trying to charge me additional fees on top of that. My first payment was due in XX/XX/XXXX. 

Payment history per their website : XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00}

Company response to consumer: Closed with non-monetary relief