Consumer complaint received 2018-01-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (CA)

XX/XX/XXXX I applied for an online payday loan, I did a search online and came across XXXX XXXX. I applied while I was at work so I was able to quickly do the verification of employment and my banking account information fairfly fast and easily. My loan was a {$250.00} loan, which I thought would be like any other payday loan agreement, ( they give me {$250.00} and on my next payday I pay them back about {$300.00} ) since i have done payday loans before. However I recall the following payday after i received the loan, on my bank statement I seen {$42.00} taken out. Which I did n't mind thinking " ok, I 'm doing payment plans, that fine I guess '' after the {$42.00} I seen {$75.00} every payday after. On XX/XX/XXXX I seen there was a charge from XX/XX/XXXX i thought to myself " ok, I should be either done of i might have one more payment to pay XX/XX/XXXX and be done ''. So i searched in my email for the contract and i seen there was a 780 % APR on these payday loan, and that i had to pay them XXXX broken down into 24 payments of XXXX and the last payment being {$83.00} payments until XX/XX/XXXX. I was beyond upset, so i called and they told me I could pay in full or keep making these payments. I said I would pay in full thinking I would just pay whatever is left over from the {$42.00} and {$75.00} amounts they had previously taken from my account. But, they stated that those payments did n't go towards the loan i had previous received and that I would have to pay XXXX for my loan to be removed/paid for. I asked to speak with someone else who could assist me with understanding this, after 30 mins of being on hold ( which was n't an accurate hold the lady had the phone to her ear the whole time and I could hear her and her coworkers ) she then sent me to a women saying she was apart of collections. I told this woman i wanted nothing to do with this scam cause obviously it was a scam and that I wanted every penny sent back to me and that i wanted to start a dispute and we could go to court because 780 % APR is crazy. She insisted that instead she would give me until XX/XX/XXXX and I could pay the full amount, I said I would look into this just to get off the phone and that I was n't agreeing to anything, I also said if i did send anything i wanted what i sent them to be a money order and for them to no longer have my account information, as well as I wanted my 42 and 75 payments sent back to me or go towards my payday loan she said it would n't be. But, that she would n't take the money out of my account and longer i basically still angry hung up and decided to do some research. I also am doing a transaction dispute with my bank and i think i should close my banking account and get a new one since this company does have my information. Especially since they stated I only have one loan agreement however when i looked online it says i have 3 when i only did one payday loan. I would n't want this company saying later on they took money from my account from another loan that i did n't actually do! There was supposedly an email sent to me saying that I could pay the last payment/full payment by money order XX/XX/XXXX however its not in my email, once again this company shows there lack of professionalism and showing that they do n't want to help their customers but actually want to bring them down and get as much money from us as they can!