Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (AL)

I currently have a {$250.00} loan with Easy Money that, I've had for several months. I have not been able to repay the {$250.00}, but have had the option to renew the loan for another 30 days as long as I pay the {$43.00} interest. I've did that every month with no problem. I am on a fixed income and recieve XXXX and XX/XX/year> 's payment came early, at the end of the month of the last week of XX/XX/year>, this year. I as always proceeded to pay my bills, this loan being one of them. I went on the website and was given the option to refinance the loan for the {$43.00}, I did that and got a due date for 7 days later instead of 30 days later. I contacted Easy Money about this and they did nothing. A week later they attempted to take the {$250.00} plus the interest that I had already paid ( {$43.00} ) again, but this time totaling {$290.00}. My account did not have enough to cover this and the check was returned. I once again contacted them and got nowhere. I just gave up and agreed to pay the loan off because they refused to acknowledge that I had already paid to renew this loan for 30 day and it only renewed it for 7 days. Well anyway, the person I spoke to in customer service arranged a promise to pay which consisted of me paying {$50.00} that following week and then the remaining balance after that. I went in the Easy Money store and paid the {$50.00} as instructed and was told to pay the remaining {$240.00} on XX/XX/XXXX. I wasn't able to pay this until XX/XX/XXXX and the same lady who I had been speaking to over the phone in customer service set the payment up for XXXX. I XXXX XXXX for extra money and on Friday XX/XX/XXXX I got off work after XXXX XXXX  and soon after recieved a call from the lady in customer service who I had been dealing with about this loan. She asked me was I going to make the payment that day as agreed upon and I said yes. She said ok, it's {$270.00}. I said no, it's {$240.00} because I had checked the website and that's what it showed that my payment due, was. She again said no, it's {$270.00} and I said, Ma'am I've already paid {$50.00}, maybe you aren't including that. I also said if your website is asking for {$240.00} and you're asking for {$270.00}, what am I supposed to do? She suddenly became frustrated for some reason and very rudely said FINE! IT'LL JUST GO INTO COLLECTIONS!!!! I was confused and at this point angry and frustrated myself. After this all I could do was hear her, very loudly typing and she refused to respond to me. I eventually hung up, but called back and was unsuccessful in speaking to anyone. This company has attempted to charge me interest twice on one loan and then when I agree to pay the loan off, they sent it to collections because they couldn't get the balance I owed them correct. Even after their error of me being charged a 2nd time in the same month for a loan that I had already renewed, I still agreed to pay it off in full. I did as agreed upon, which was go into the store and pay the {$50.00} and then the day the balance was due, I was prepared to pay it, but was denied the opportunity due to no fault of my own. How was it my fault that the website said one thing but the customer service rep was saying another? I also took a screenshot of the website displaying me owing {$240.00} to show that I was correct and the customer service rep was not. They had no right to charge me 2 interest payments for 1 loan and then send it to collections when I tried to settle it for what was shown on the website, but the customer service rep asked for {$30.00} more. I feel like this company has been very fraudulent.