Consumer complaint received 2019-11-28
Company: Special Financing Company, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Special finance company was used for a medical procedure. They have been over charging me. It has gone on for some time because of them adding excessive late fees and hidden fees Ive made payments but lost my job for a lower paying position, so I immediately contacted special finance and asked company if I could pay weekly {$25.00}. I feel like Ive been paying thousands and getting Nowhere even when I was paying Company charged me late fees the entire time which was additional money that made it even more difficult. They refused to work with me in lowering the interest rate and said they would remove 6 late fees if I paid {$85.00} a week and So I did so. It was tough but I wanted to get this paid and needed the late fees to stop. I struggled but special fiance refused to remove the 6 out of many late fees and then took a double payment without my authorization on XX/XX/XXXX. This caused a problem with one of my account son created they took a double payment. I called to Tell them and they first said they would put the money back in the account and I the. Asked if I could also get the late fees they said they would refund and the agent flipped out and said I was lucky to get a refund of the {$85.00} and that I dont have to give that back in your account. I told her that her company double billed me and cause a problem in my account. I made arrangements for {$85.00} weekly but special finance took out twice that amount in one daub without my authorization. She said well you owe the money so what. It was very unprofessional and disturbing because I trusted this company with my card number and they maliciously roommate double payment ; said they would return it and lied. They ask lies as never had any intentions of giving me the six late fees. They led me to believe they would credit me six late fees for I paid {$85.00} Weekly for over a month which I did, but they lied and just wanted {$85.00} week. The reason I am so behind in this bill is the excessive late fees. I could never catch up despite my hardship. I continue making payments and this company continues tacking on late fees that have been excessive and they are double dipping in my account without authorization. The company also charges .XXXX cent every time you make a simple pay. It has Serious unethical billing issues. The XXXX XXXX XXXX eared Special Fianc with an F rating. 
The representatives will not Let you speak to a supervisor and they are very rude and disrespectful. They threaten to submit you to the credit bureau and said they could easily destroy your credit. It is horrific and frightening. Im so sorry I ever used this company. They has also gone under another name Since they refused to refund my second payment they took Without authorization, I had to call my bank and stop my card out of fear they would take more money that I have allocated to other bills. I need help. This is so wrong what this company does. Id like to get on an affordable payment plan and Id like to get the late fees removed and the threats to stop. 

It appears this company has some serious billing issues that are bad for consumers If you should need anything additional, please feel free to contact Me directly at XXXX or Email me at XXXX XXXX

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