Consumer complaint received 2018-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

Repeated Harassment I was given a loan through the mail with XXXX XXXX, with brief description of terms and conditions. Even during the time that I was making my payments as regularly scheduled I would continuously receive calls from their employees throughout the week before my payment was due, after it was due and I was just one day off from making my payment, even though I had 10 days to still make my payment before a late fee was even added, they would repeatedly call starting from sometimes XXXXXXXX XXXX XXXX XXXX   until XXXX at XXXX, and even though I would make my payments they would make me wait at a local until they contacted whichever branch/office the loan was from until they would allow me to leave and give me a receipt regarding the payment I was making. 
Things started to get even worse with this company when I lost my job and had to delay XX/XX/XXXX payments a little, and although I informed them of my situation and offered to do they would continue to harass me throughout the week, and on a daily basis they would call me every one to two hours with it being a different representative on the phone. When I tried to setup arrangements to at least make payments with the funds ( {$25.00} ) I had available, the guy name XXXX, also XXXX, or another CSR refused to accept what I was able to give and said that I had to come up with more money than that and that if I couldn't I need to hold the money until I was able to give the entire amount ( {$160.00} ), then the calls continued to escalate with the representatives and the XXXX contacting me several times, sending me letter even after I made a full payment to the point that the XXXX left threating voicemail on my phone repeatedly, I am degraded by their personnel with unprofessional remarks when I go in to make payments. This harassment of this company daily is affecting me mental and physically to the point I'm afraid to answer my phone due to the continuous calling they do to me throughout each day and this has gone on for some months now none stop. Even if I communicate with them to try and let them know when I will be in to make a payment they still continue to call me ( causing to miss very important calls because they continue to tie up my line ) Now it interferes with my work. This company does not hold people privacy a priority, seaming that they sent me someone else 's loan document in the mail with all the persons ' personal information on it, if they are this careless with someone else, they can do the same with me. Furthermore, I am not the only one who has experience this type of service from this company, other people who are elderly have also told me that they have experience the same. The local company offices try to make you come in and resign your loan in the office as a way of putting you in a higher interest rate than the one you were initially in causing your actual loan to skyrocket double or triple times the amount you actual had due to start with, as their way of helping you with your situation so they say. I just want the repeated harassment to stop, all the calls and letters are not necessary, and I don't think it is right that when you do try to make some form of payment they refuse you, in order to gain higher interest on you by trying to get you to sign a different agreement than the first one. Especially when they have limited options to make payments because their website does not deduct your funds correctly from your account causing you to go in the local office because of repeated calls saying they haven't received your payment although you attempted to make it online. No one deserves this treatment rather your paying on-time or late ( even the amount of time they allow you to make your payment, they harassed me through the entire period )