Consumer complaint received 2016-08-17
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I went into Check Into Cash in 2014 to get a loan. When the time came to repay the loan I had lost my job and contacted the Manager of Check into Cash spoke to her and informed her I will come into make payment arrangements on my dept. She said they will hold my check and I can come make payment arrangements. When I went into at the appointed time, the manager was not there and they had not had my file on hold and they attempted to cash the check. She called into the office to speak to someone and Apologized to me because they did not follow her instructions. I was told that they would get a hold of me and they never did. Now I am receiving calls from The XXXX Firm or someone associated with the XXXX Firm threating to take legal action saying they attempted to serve me on Monday however they are not saying who they are or what they are calling me for. I just keep getting random # 's on my phone. The lady name is XXXX XXXX. I call the # XXXX they say my cases went to legal and they forward me to legal a XXXX XXXX answers says they do not have my file that it has been sent out for litigation. I ask him who and why are they contacting me. He says he has to pull a hard file. He places me on hold for a good 2 min then comes back says it is with Check into Cash and they are saying I am committing fraud or something like that that there is XXXX claims against me. one is for Fraud and that the balance of the loan is {$2900.00}. I told him that was not the amount of my loan and what is the amount of my loan and he was not able to give me that information. XXXX XXXX says that he does not know who XXXX XXXX is and ask me have I been served, I said no he said has anyone of your references been served I said no who do you have on there listed, he says he can not tell me who I have on my file listed He told me that he will contact the client to see if they can stop the litigation. I said yes contact them. He then puts me on hold comes back maybe 3 min later saying that he spoke to a XXXX XXXX and they said they will work with me and as long as I pay it back by the solidified court date ( that he has NO knowledge of what it is ) that they will not move forward and that I only have this option to pay the debt and what do I want to offer them to clear this debt so it can be removed off my file. At NO point have a received ANY written communication from The XXXX Firm. I am not disputing this dept. I was going thru a rough time back then no job a XXXX son, no government assistance the attempts and calls made to Check into Cash was not successful. I have not received any written communication from The XXXX Firm about this debt. They offered me XXXX settlements XXXX was XXXX over 3 months which totaled {$950.00} or 1 time XXXX. The loan was only {$300.00}. He asked what can I pay I told him that I am on a strict budget. I have {$200.00} set aside a month for food and I will take {$100.00} of that and pay XXXX a month for 3 months to pay off the debt. He put me on hold and said she said no but they can do one time payment of {$310.00} and I informed him that I do not have {$310.00} if I did I would not of made payment arrangements to pay my light bill. Then his phone disconnected again.

Company response to consumer: Closed with explanation