Consumer complaint received 2015-03-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out a Loan from Cash Central XXXX, Al for {$300.00} sense that time I lost my job and also my medications went through the roof so I was unable to pay the Loan back. Every sense that time I have been receiving phone calls everyday. Not a day pass they are calling me and they always call from a different number so I never know who it is calling. They have caused me to pay out so much money at my Bank, at the time my Bank was XXXX XXXX in XXXX, Al. They have caused me to pay out hundreds of dollars in overdraft fees, money that I could have paid them with but they would not stop trying to debit my account. They call every day starting at around XXXX I am telling them the same thing each time they call me that I do not have any money to pay them now if I did have the money I would pay them each month until I paid them up but until my income increase I am not able to pay them. I am on a fix income and I can not pay them now and I can not tell you when I can pay because I do n't know my self. I am so tired of the harassing phone calls I am on XXXX and XXXX and every day it gets worse and worse and I ca n't keep putting up with them calling every day like this it works on my nerves and it up sets me really bad. I told XXXX people that call me that I would try to pay something next month and she screamed at me and said next month, why next month? I told her I had to see how my bills would run and I could not give her and amount so to how much I can pay. I know even if I could pay them it would not be more than {$4.00} or {$5.00} dollars if that much. They just keep calling and calling every day. They have been doing this for the pass 6 or 7 months and I ca n't take it any longer. My nerves are to bad and they runs my XXXX XXXX up by calling every day. If they were to slow down the calls except to may be once a month then that would be helpful a little but I still do n't know if I would have any money to pay them even then. I can try if I have any money left but I seriously doubt it not right now until my bills comes down. I am paying high bills right now and it is taking all of my money to just keep my house going so that I can have some where to live. It 's not that I do n't want to pay them but I do not have the money now. They ruined my Bank account and I had to close it because of all the over draft fees the Bank was charging me. Each day they sent the debit through for the {$300.00} and some dollars and every day the Bank charged me {$38.00} per transaction, I paid out a lot of money to the Bank for these transactions, money they could have had if they would not have kept trying to debit my account. I am so tired of this and I do n't know nothing else to do except not answer the phone but If I did that I could miss important phone calls from other people I need to talk to. I am just tired of the harassing phone calls. This is not good for my illness. Regardless of what I say to them they still call every day. I just want the calls to stop. I will pay something when ever I can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation