Consumer complaint received 2015-10-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OK
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Hello. I completed an online loan application on the Cash Central website ( www.cashcentral.com ) and chose to repay the loan on the XXXX of the month. I was approved and several days later discovered I could convert the loan to an extension rather than lump sum payment schedule. I contacted Cash Central and the extension application was emailed and I signed and returned it. When I requested to extend the loan repayment date info was NOT discussed. On XXXX I contacted Cash Central to make a debit card payment however the option is not approved in Oklahoma and in the call the CSR changed the due date to XXXX - the next day the due date was changed for the XXXX time to XXXX and I received XXXX followup emails for both calls with conflicting payment amounts.. On XXXX I began receiving collection calls from Cash Central and the CSR stated the loan was in collections and the XXXX extensions provided the previous week were no longer valid and the full amount was due. I contacted Cash Central the next day and again received conflicting info - a CSR stated the loan date can not be changed although the was changed by XXXX employees and I received confirmation emails. 

I contacted Cash Central on XXXX to make a payment was NOT informed the loan was in collections or that a payment was due on XXXX - the CSR changed the due date to allow me to transfer funds to my bank because the XXXX Wednesday date varies. When I applied for the loan I repeatedly requested a XXXX of the month repayment date. Cash Central drafted my account on XXXX and the payment was declined by my bank and Cash Central submitted derogatory information to a reporting agency. After complaining about loan issues Cash Central contacted me on XXXX and a supervisor stated she would review the calls and call me back - which she did approx XXXX hr later. In the call the supervisor stated she reviewed the recorded calls - apologized for the miscommunication issues and revised the loan payment dates. 

On XXXX I attempted to process an ACH transaction that was declined due to the derogatory information provided to " XXXX '' and " XXXX '' by Cash Central. I contacted Cash Central on XXXX and requested to remove the derogatory information due to the repeated miscommunications issues by Cash Central employees and a supervisor agreed to resolve the issue however the next day ( XXXX ) I received a call from an employee who identified herself as a supervisor ( XXXX ). XXXX stated they would NOT remove the report because an extension loan is not eligible to change the due date and payment was declined by my bank on XXXX. I was charged an additional {$35.00} fee. XXXX contradicted loan information given by at least XXXX Cash Central employees including the supervisor that contacted me on XXXX. XXXX date changes were previously processed to the extension loan - XXXX, XXXX and XXXX. In conversation with XXXX she also stated the extension agreement was " faxed '' to me and stated a fax number is noted in my account however I do not own a fax machine and my landline does not accept a fax signal.. The extension document was emailed in XXXX blurred print, was nearly illegible. Cash Central employees repeatedly contradict info previously provided - relevant information is withheld. Because of the derogatory information provided to XXXX and XXXX XXXX I can not use my bank account and Cash Central refused to remove it or resolve the issue appropriately.

Company response to consumer: Closed with explanation