Consumer complaint received 2021-10-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc. (GA)

In XX/XX/XXXX received a letter of transfer of account from Real Time Solutions. I originally had the loan XXXX who then sold/transferred it to w/XXXX, who later went out of business. I requested the documentation from Real Time for the loan contract and the outstanding balance, Neither of which I have received. I was told there was no documentation. but the charges I feel are incorrect, there was a XXXX Interest fee, XXXX Fee Bal & a XXXX Misc fee. I have disputed this account several times NOT the loan but the amount. In the transfer letter it stated nothing would change, Bal, pay date, or principal bal. The account was set up on an auto payment plan once acquired but they Real Time used the pay dates of the old XXXX payment plan. Also they keep stating that I am being charged for a deferment ( XXXX or XXXX ) it varies w/each representative I speak with, I've also been told that particular charge is for late fee 's, transfer fees. I have never had a deferment w/Real Time Solutions ( they said once I did ) and the payment date was set for the XXXX of each month starting in XXXX for the XXXX time. the 1st arrangement was never recognized. ( which I also questioned ) but was told they could not alter the original schedule!! They keep referencing back to the original amount of XXXX from XXXX, IN XXXX which is NOT the amount they received from XXXX in XXXX, also the deferment if any was added into the principal amount so when transferred there was no outstanding deferment payments which is what they tell me now about the XXXX. I know I owed the loan but there seem to be many extra charges of interest, & misc fees that I disagree with. I can not getany clear answers or paperwork outside of what THEY have typed up & forwarded to me. The representatives are rude and continuously announce what will happen IF the loan is not paid. They were not reporting the payments to the 3 Bureaus until I disputed a couple times and then its only for part of XXXX. I know for certain that we had an agreement for Auto pay in XXXX & XXXX but in the papers they sent me the payments always seem to be Late w/ several diff charges of XXXX or XXXX & high interest even if its 1 day late which should have never happened since it WAS schedule for auto pay on the XXXX of each month. I am not disputing that I owed the loan which i have diligently worked to pay off & was told would be matured in XXXX of XXXX only to be told in XXXX that I still had a remaining balance of over XXXX but they can not explain why or what for. As i previously stated ALL deferments were added to the loan BEFORE the transfer or purchase. Those loan was revamped/recalculated in XXXX by XXXX. The interest fee, document fee, fee bal not sure if those are legitimate or not. I just want to know that i'm not being taken advantage of and being continuously subjected to their rude obnoxious conversations. They start calling as early as XXXX Sunday mornings and will continue through out the day. also Monday thru Friday if they call less that 10 times from several different numbers just to be rude and threaten to send " my account '' to the Credit bureaus which they did last month. The gentleman even went so far as to tell me he hopes I don't have any plans to buy a house in the future!! Really. Well Sirs/Mam I am hoping you can find some kind of clarity for me in all this, because I can't. I have paid over XXXX on a XXXX loan, but when i inquire they always quote the XXXX amount. I DO NOT OWE Real time {$12.00} XXXX owed that amount to XXXX which was paid down but in adding all the charges paid and this outstanding {$2800.00} the amount will come out to be that amount. Thank You for your help. If further info is needed I have copies of the checks from my bank dating back to XXXX. Will gladly mail them in if needed..,