Consumer complaint received 2020-04-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Respected & Prayers for everyone on this Covid-19 Circumstances I hope you guys are doing well, safe and healthy I had applied the payday loan on XX/XX/2020 for {$300.00}, And authorized to them to process the check on XXXX XX/XX/2020. 

Because of this Covid Crisis, I have very less cash in hand, I informed them so, California Check Cashing store called me to set up the two payment installment while connecting with the headoffice. 

They know me that I was doing payday loan transactions more then a year, even If i ever missed it I always paid them including late fees .they have my very good record being a responsible consumer. 

On this Covid-19 crisis, not only I called to their California Check Cashing store but also informed their headoffice on the recorded line that I already missed the installments because of low cash, and told to the lady " XXXX " she is working in their headoffice, that because of CDC guidelines all local banks and loan companies are deferring the payments so I would surely take care this {$300.00} at the store like this before And during the conversation I told her that I would better handle this payments with the store once i have cash so she just said ok and hung up the phone call, and I always recorded communication for my self defense because I know how they deal the consumer in a illegal way, and I believed they always have a recorded phone line, when they push and pressurized people on the phone call for giving threat of the collection procedure. 

& FYI Sir /Madam, previously she was pressurizing me for the collection procedure in a very rough atitude after knowing this Covid crisis and once I said to her that do you think that, am I lying to you so she just quite on the phone call and then I told her that I'll take care this payments at the store and then she said ok and hung up the phone call Then with out my authorization, lady XXXX  , pulled over the payment from my account, when I informed to the store that it's a fradulent activity and they said sorry to me but this XXXX didnt call me back because she know what she did it and then I told to the franchise that I'll filed the sue online on small claim in the court, so they wouldnt have any answer for this claim, even I already processed the dispute from the  XXXX  XXXX XXXX so I'll provide you the claim number here and also in the attachment as well just for reference. 

PROCESS CLAIM THROUGH XXXX XXXX XXXXXXXX CLAIM NUMBER XXXX Initiation Date XXXX XX/XX/2020 MERCHANT REJECTED CLAIM ON XX/XX/2020 So then I had processed from the XXXX XXXX XXXX including all the evidence and check authorization date. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ohio XXXX Esclation Department ( Rejected ) my refunds with out any authentic reason. 
XXXX Rejected by XXXX at XXXX XXXX RECORDED LINE TO STOPPED PAYMENT ( Both Parties ) XX/XX/XXXX XXXX Time XXXX XXXX  ( Duration of call 4min 58 sec ) Staff XXXX Ext XXXX XXXX XXXX   XXXX FRADULENT TRANSACTION DISPUTE XXXX XXXX who processed this fraudulent transaction on XX/XX/2020, with out my authorization and with out my concent on the recorded line, and when I checked the online banking, so there is no record of any checks so its mean, they pulled out the payment with out any check image in my bank transation. 

Kindly see the attached screenshot for this case, and for any details you may reach me out at XXXX Thank You, XXXX XXXX California

Company response to consumer: Closed with explanation