Consumer complaint received 2023-01-13
Company: Revolution Financial Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
There has been a bunch misrepresentation and misleading and inaccurate information provided to me by this company regarding my loan. I took out a {$700.00} in XX/XX/2022. The payment schedule shows 18 payments of {$73.00} and a final payment on XXXX in the amount of {$72.00}. On XXXX the auto drafter {$73.00}, this differs from the agreed upon amounts. Each time I have called on this loan in the last 3 months I have been with someone new named XXXX. I called and spoke to him on XX/XX/XXXX and in XXXX, I believe on XX/XX/XXXX to discuss how many payments I had left on this account. He told me in XXXX that my balance was {$210.00} and that I had one payment left of {$73.00} on XXXX. I asked 3x then why is my balance is higher, he said oh its because two payments haven't posted yet, but once they do your balance will only be that one payment. Please note their website libertytax.com was down for over a month for maintenance, so I could not log in and see payment history or balance. I had no choice but to take the employees ( XXXX ) word for it. Well when my payment came on XXXX I assumed the loan was closed. I got an email onnXXXX saying my account was past due. I replied to the email and got an email from XXXX, the owner advising " I'm not sure and we're not actually in the office until Monday so this was system generated. We'll look into it on Monday. It's probably just a holiday-related delay. Don't worry about it. XXXX will reach out if needed ''. XXXX called me to tell me my loan was past due on XXXX @ XXXX XXXX. The duration of this call was 44 mins and 21 secs. He stated that I owe more money because all of my payments were not applied to the principal and more to intrest. I inquired how that could happen as the payment schedule was followed. He couldn't answer and seemed confused. I asked for a copy of the contract because the website was back up and told me my contract was unavailable. I also asked fir the XXXX  I paid to the loan. He struggled with answering both questions. He never provided me the total but thus internal payment list that makes no sense to a consumer. After sending me 3 blank contracts, he was able to send me my contract. I inquired again shy none of this left over balance was mentioned each time we spoke. He said I don't know. I advised but each time I spoke with you and you set the wrong expectation that the XXXX payment would be my last one. I told him I am requesting all.the late fees and anything that wasn't the true principle due to all of the misinformation on his part. He went silent for several minutes. I asked of he was still there and he said he was waiting for a supervisor to respond to him. I asked him if he could call me back once he knows and he said yes, and that he would call me back today. I told him to cancel the prescheduled payment set up by the store for today, XXXX for {$73.00}. He said ok. Not only did he not call me today, but they attempted to withdraw that amount from my bank today. I emailed the store asking for a supervisor to call me on XXXX and XXXX but no response. I did have a missed call from the store on XXXX a few hrs after I emailed, but there was no vm left. They always leave an email. I called back later in the day a d I think they were closed, as there was no answer. Well today XXXX calls me again advisingmy payment was declined today. I remined him that he was suppose to follow up and he never did and that I asked for no payments to be deducted until the balance is rectified. He advised he got busy and couldn't call me back the same day and that they have a business practice that they can't call you back for 7 days. This is not true because they have called me multiple days in a row when this loan was in repayment. I told him of that were true why did someone call me on XXXX and not leave a voicemail, that debunks his 7 day theory. I then inquired why he didn't email. He then stated in an angry fashion that they did call me everyday since XXXX which also is not true. I asked for dates and times and was unable to provide. I told him I want to speak to XXXX and he said I can't I have to speak to a supervisor. I advised I do not want any payments taken from my account until this matter is addressed. He advised he put a note right now and they will kt take anymore payments from account. All this back and fourth needs to be addressed. ALL they misrepresentation, misleading, and blatant lies by a member of Liberty LoansXXXXXXXX is unacceptable. This information and process and bad faith. I want the remaining amount wavied of any later fees all the extra interest charged during the time this matter is not being addressed. They are still charging me interest on the late fees per XXXX. I have paid them over {$1300.00} back on a {$700.00} loan and they waste my time like this. The expectation has been set incorrectly on numerous phone calls and XXXX appears to have no clue as to what he is doing. I hope this matter is looked into, reported, and fixed, not only for me but for all their other customers this may have happened to.

Company response to consumer: Closed with explanation