Consumer complaint received 2017-06-05
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX Location, XXXX XXXX My wifes cell is XXXX She can discuss this also since I may or may not be at work on watch when someone calls.
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I DO NOT I REPEAT DO NOT WANT ANY ONE ELSE MAKING FALSE THREATS OR BULLYING MY WIFE FROM THIS LOCATION I took out a title loan last year paid it off no problems. Since we have a POA my wife could even go in and pay when I was on the boat at work. I needed another loan so I went back and it has been total XXXX ever since. I went in and paid and asked for us to change the due date as my work schedule was changing. I was told it was not needed that my wife could just come in and pay down the loan. So at first my wife was going in No issues. But when I would come home from work and go in to pay and renew. I would have over or close to 100 in late fees. Stating my wife could pay on it but they could n't accept her as a signature anymore so she had to stop going in there. Yet we were paying by the date due. And STILL GETTING LATE FEES. Confused as because a Power of Attorney gives her the right. Anyways. I went in asked for a prorated whatever to get the due date when I was home working XXXX and XXXX it would always wind up my 2nd week at work due. Which would force me about 2 weeks in late fees. 1 person over there would understand. Yet I would get 4 and 5 calls a day even though my account was " documented '' I would be home from work on this certain day. This last time was pathetic. I told them every single day what day I would be in. Since they basically refused payment from my wife so I would as they put it " rack up '' the late fees. I told the guy I spoke with this time I could not pay another XXXX in late fees and I refused to because my wife had legal rights to go in there and pay it yet she was n't allowed to sign or do so. So then I get threatened to have my vehicle taken away after I pay 100 to renew because I did n't pay the 100 in late fees? That if my wife would of been allowed to pay we would not even have fees? Every time I have extra. I can not pay extra because of all the late fees. Because I have a job where I am not home every day. I tried to get the loan transferred to another company but guess what? They claimed to not have my title in hand. But when I ask them last time ... .The DO!!!! So I am stuck in this revolving door of no due date changed, my wife not being allowed to pay, and several late fees over and over and over. When we should have none. So I am still stuck with a loan that has paid maybe 200 towards it going down.. Because of the shady practices of this location. Or the fact that my wife can not go and now is to the point she does not even feel comfortable going into the store. The last 100 I just went in and paid on X/X/2017 guess what some lady behind the counter said oh yeah your wife can come in and pay. Yet guess what will happen if she tries to?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation