Consumer complaint received 2016-02-10
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
To Whom it may concern my name is XXXX XXXX I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my XXXX XXXX payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my XXXX payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones I asked XXXX XXXX the management why do they call me from their personal cellphone she said that is what they have to do. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly.I offered to come into the Insta Loan office and they keep putting me off they refused to give me my original copy of my contract and I told them on XXXX XXXX XXXX that I was going to be in on Monday, XXXX XXXX to pay them {$80.00}. They keep putting me off I said to them if they did n't want me to come in on Monday that I will be there Tuesday XXXX XXXX. The Management XXXX XXXX told me not to come until Wednesday or Thursday.Today is Wednesday XXXX XXXX, XXXX, I called Insta Loan to find out what time would be best to come into Insta Loan on Thursday XXXX XXXX, They moved the date to today and then again my pay was supposed to be {$80.00} dollars now they raised it to {$85.00}. This is awful this company lies.. I had to sign some papers and they could change my original contract.My Nerves bad due to this company hassling me. Insta Loan ,XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank You.

Company response to consumer: Closed with explanation