Consumer complaint received 2020-02-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went to XXXX # XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX, to get a loan because my refrigerator had gone out. I only wanted {$300.00} but was told the minimum for first time had to be {$400.00}. The loan receipt states loan was {$400.00} minus their fee of {$20.00} resulting in me getting {$380.00}. They generated a check and charged me an additional {$15.00} to cash it. The payment agreement was every month on second XXXX, since that was the date for my XXXX payment. I did not receive any hard copies of the transaction but was told I could access documents online from the lender XXXX XXXX. I did get immediate text with the link. Although, I am computer literate I was never able to retrieve any documents online or get into an account. I contacted XXXX twice to inquire about the loan number ( need to access XXXX website ) they told me it was # XXXX. Never worked. On XX/XX/XXXX I paid a sum of {$460.00} and refinanced {$400.00}. On XX/XX/XXXX, I gave XXXX {$440.00}. Refinanced {$300.00} and I got {$260.00} cash back. Just like the month before I questioned why I was getting text messages from XXXX that the payment was late and/or overdue. Again, I was told that XXXX computers was setup to do two weeks not monthly payments. Too not call them, if I have any questions call XXXX instead. Which I had done in XXXX and XXXX. I never could understand why they charged me {$15.00} to cash their check when I have a bank account. I can deposit a check for free. Or the {$20.00} fee. None of that make any sense and they dont have good answers either. 
On or about two weeks after the XX/XX/XXXX payment, I began to get text messages from XXXX and calls from XXXX about payment being due. First couple times I was told to dismiss the call because it was not due till second XXXX, XX/XX/XXXX. I continued to get calls and text messages almost daily. Which was nerve wracking. I would get a call from XXXX and 15 to 20 minutes later another person from there would call me. On XX/XX/XXXX I got a call from XXXX stating my payment was due that day. When I explained for the umpteenth time it was not due till the XXXX of the month. I was told it was considered late and if I didnt pay {$400.00} that day, I would get a late fee. I ask, are you charging me {$100.00} for a {$300.00} loan? Her reply was {$67.00} for XXXX and {$40.00} for paying in the store at XXXX. I ask was those fees new. She said they went into effect last year around XXXX. My reply was I applied for the loan in XX/XX/XXXX which was seven months after XXXX. I informed her I wasnt paying {$100.00} on a {$300.00} loan. That I felt they was already nickel and diming me to death. Also, that I was sick and tired of them calling me every day. I didnt mention {$67.00} and {$40.00} equaled {$100.00}. I honestly believe they think I am old and stupid. About twenty minutes later, I got a call from them stating I owe {$360.00}. When I told her what the other lady had said, she said that was not correct just pay {$360.00} on the XXXX. The next day, I got another call, this time she wanted {$400.00} paid on the XXXX. Of course, by then I am upset and sick on them. Did not receive any more calls over the weekend but it started all over on XXXX. By XXXX the XXXX I was hollering and screaming into the phone and ask them not to call me again. 
In addition, I have a XXXX job and after talking to them several times on XXXX  I left work about XXXX. The next day I was told that XXXX had called. Now they normally call me on my cell phone, which I answer most times and call back if unable too. Also, I have a landline at home that they are aware of. Both cell and landline have caller ID and voicemail. They have never called my home phone. Under NO circumstances did they have any reason to call my place of work. That was vicious and uncalled for. So, I called XXXX, reiterated I was not paying them {$100.00} dollars and do not call my job ever again. They hung up on me. But called me again XXXX the XXXX, Said they had my bank info and could take a payment over the phone, just pay {$360.00} and {$5.00} a month till the {$40.00} is paid. I told them I was filing a complaint and to stop calling me. They hung up. This situation has got out of hand and I just cant talk to them anymore. 
Any help that you could provide would be greatly appreciated. 
Thank you.

Company response to consumer: Closed with explanation