Consumer complaint received 2022-09-20
Company: CreditWorks LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I notified credit works that my spouse was XXXX  and I was requesting a reduced interest rate base on the XXXX XXXX XXXX XXXXXXXX. Which reads as follows : Universal Citation : LA XXXX XXXX XXXX ( XXXX ) XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 
B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 
XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 
D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the XXXX XXXX XXXX orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 
XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 
XXXX XXXX court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 
Acts 2005, No. 296, 1, eff. XX/XX/XXXX. 

I followed up with a phone call on XX/XX/XXXX and was told I would receive a call back on Monday, XX/XX/XXXX. I did not receive a phone call, so I sent another email on XX/XX/XXXX. I received a call back from XXXX and she told me my claim was being denied because the law does not cover spouses. As you can clearly read in Section C, it does cover spouses. I requested a response in writing and she told me she could not give me a response in writing. This is my 2nd loan with this company and the loans are offered through my employer, XXXX XXXX which operates primarily in the state of Louisiana. I attached a copy of my husband orders and as well as our marriage certificate and they still refuse to comply with the law.

Company response to consumer: Closed with explanation