Consumer complaint received 2018-09-14
Company: RFNA, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Loan 1 in XX/XX/XXXX found XXXX through a mail solicitation. A loan granted to me based on my creditworthiness I was told by the employee who initiated the loan. 
Loan 2 and Loan 3 in XX/XX/XXXX loan were amounts added to loan 1 from XX/XX/XXXX. How, XXXX  habitually sends skip a month, calls, emails, sends mailers, etc. 
At no time was I given a copy of my signed documents only blanks rolled up strategically in a wad in an envelope. 
At no time was I informed that there was any insurance policy issued against items listed on paperwork that I found. The employee asked what kind of household items I have and she herself said : Jewelry? TVs? I had no idea she was selling me insurance nor why she was asking such an obscure question. 
Insurance paperwork was purposely and skillfully hidden in multiple copies of XXXX XXXX XXXX   forms the insurance policy added in the amount of {$1300.00} and rolled in the pages and gleaned over by the employee covering the page with another page. Telling me that there is no credit life insurance. 
Upon calling for clarification, XXXX XXXX XXXX XXXX XXXX policy # to find out what is this insurance. The insurance representative said it shows coverages for XXXX gold earrings, XXXX channel set ring in XX/XX/XXXX then in XX/XX/XXXX XXXX TVs were added. ( It should have only been XXXX TV a XXXX XXXX XXXX not XXXX TVs when asked in XX/XX/XXXX ). In the amount of {$12000.00} it shows there is dual interest coverage, extended coverage, closed ended property coverage form. Further, the representative said that the policy should not have been issued without proper up-front documentation appraisals, photographic evidence, receipts/ dates of purchase, etc. 
The insurance representative also calculated that there is a refund owed to me of approximately {$800.00} to cancel this policy that I did not authorize or want. The insurance representative said that the approximate {$800.00} would go back to XXXX and not to me but towards the loan balance more than unilateral contract. 
I asked her would I have had coverage to repair the XXXX XXXX XXXX XX/XX/XXXX year of purchase. ( XXXX   would not take the TV they do not take DLP TVs and I had to pay the junk guy {$65.00} to haul it away ). The representative said without it having been properly documented at the inception of the policy no claims would have been paid if they were even able to repair the TV. 
The insurance representative told me to call XXXX to get the claim form and the refund form faxed to me immediately. See attached claim form and refund form, the insurance representative explained to me that there is to be photographic evidence, police reports, appraisals, serial numbers, model numbers, receipts of the items listed in order to perform any claims or services on this policy or even issuing the policy! 
I at no time possessed the alleged ring, earrings or XXXX XXXX TVs. I wear costume jewelry and I will NEVER own diamonds I will not support that industry!

Company response to consumer: Closed with explanation