Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (SC)

I was served on XX/XX/XXXX with a Complaint regarding an amount owed of {$2100.00} from Republic Finance. I spoke over the phone with XXXX from Republic Finance, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and we discussed the account. I told her my job with XXXX XXXX XXXX XXXX ended in XX/XX/XXXX and a payment was made to Rep Finance for {$150.00} in XX/XX/XXXX. I had begun working at XXXX, yet was placed on furlough due to Covid 19 and it took me 2-3 weeks to find a new job, yet I was just getting back to work at XXXX XXXX XXXX XXXX again so I could set up payments. 
We agreed to {$60.00} biweekly to be auto drafted from my account to pay down the total balance of {$2100.00}, and I made an over the phone payment of {$80.00} during the phone call. She said she would mail me the draft form to authorize the bi-weekly payments. I then asked her, before you start drafting from my account will there be any additional fees or interest added to the amount, and she told me no fees or interest would be added and that I would just be paying down the balance of {$2100.00} until it is paid in full. Once I received the authorization form in the mail, I completed it on XX/XX/XXXX and mailed it back along with a money order for {$60.00} for the first payment ( money order # : XXXX from XXXX ). 
The payments began drafting and all was well until I called on XX/XX/XXXX to get the balance on my account and ask for receipts. I was told to go online, and I could get the account balance and have receipts emailed. They gave me the balance of {$1900.00} and I asked why it was still so high and I explained the conversation with XXXX and I and the associate told me the location manager would call me back. I never received a call back. 
I called again XX/XX/XXXX. I told them I could not access the account online and wanted to track my payments. The young lady said she added my information to the system and to wait 24 hours and I should be able to log in. I was unable to log in. 
I called XX/XX/XXXX. I asked for help to log in to my account online to track my balance, and the associate told me my account was closed. Then she said she was wrong and that was the other account that I previously had with them. I asked for the manager. Was told he was at lunch and would call me back once he returned. I did not receive a call back. 
I called on XX/XX/XXXX and the rep told me the amount due was XXXX. I asked why it was so high. She said it had interest. I told her that there was not supposed to be any interest on the account based on my discussions with XXXX. She said she would have the manager call me back. Manager XXXX called and I explained to him what was going on. He said he had to get with his district manager regarding the interest, because the system automatically adds interest to the accounts, and that he did not think it should still be accruing. He also said that he was going to see if there was a lump sum amount, I could pay to close out the account. I told him that it would depend on the amount. He told me to give him a few weeks because the district manager was out of town. I never heard back from XXXX. 
I went to the office on XX/XX/XXXX to get my balance in which I was told it was XXXX and that there was still interest being accrued from associate XXXX. I told her that was not supposed to be happening. I then questioned the account because I pulled my credit report and the account shows as closed. XXXX said the account closed in XX/XX/XXXX because that was the original loan payoff time and that the account was in charge off status. So, I asked if it is in charge off status why would there still be interest accruing, she said the system adds the interest. She then used her cell phone to call XXXX who now works in the Virginia office, yet XXXX did not remember our agreement. She then got up and went to the back and called someone and came back and me the interest is right. I told her I was unhappy yet would investigate other means of dispute. I asked for the interest rate as well. 
I called back in later that day to end auto drafts from my account with manager XXXX. I want to pay my debt, yet why would interest still accrue on a closed/charged off account that is not being reported to the credit agency. The account is still with the original creditor and not a collection agency. In addition, XXXX your representative stated no interest or fees would be added. To date, I have paid {$1200.00} of this debt which should leave {$960.00} to be paid. {$1600.00} is not the remaining amount owed