Consumer complaint received 05-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with Credit Service of Logan, Inc. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: First, I am filing  XXXX  complaints. These  XXXX  complaints are with   XXXX   XXXX  , and their financing company,   XXXX   XXXX   XXXX   Should I discover that additional consumer rights were violated, I may retain an attorney, especially if damages are done to my credit-or that my personal information was used incorrectly and not in accordance with consumer protection laws. It should be noted that I feel as though these  XXXX  companies have wronged me and violated my consumer rights and I have attempted to rectify this issue numerous times with both companies and I really have not gotten too far, although I have filed disputes with  XXXX  of the  XXXX  credit bureaus.     Next, a summary of the incident : On   XXXX   XXXX   XXXX    , I made an internet purchase with  XXXX  on their website  XXXX . The purchase was for  XXXX  items : c  XXXX  (  XXXX  )   XXXX   at a price point of {$760.00}, and, a set of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for a price point of {$390.00}. The combined purchase amount in sum was for {$1200.00} and includes CA state taxes. The dumbbells were returned on  XXXX   XXXX ,   XXXX   by way of refusing the box from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for  XXXX  reason : the box was so damaged that the contains were visible/falling out, and also, the dumbbells were cancelled in the order. This is not in dispute with regards to the  XXXX  return, however, is a record of the overall events that happen during this transaction. At this point, a balance of {$810.00} was recorded by their billing department  XXXX   XXXX  assisted with the return of the   XXXX   XXXX  .   Exactly a month later,  XXXX   XXXX   XXXX  still did not have the  XXXX  on the radar for an item financed. I called   XXXX   XXXX     and their customer service representatives stated, " you own nothing '' the balance is {$0.00} with " Us ''. I called  XXXX   XXXX   XXXX  back and they also stated, " you have a credit balance of over {$400.00} for the return of the  XXXX  but nothing else was owed. I was confused and quickly explained the item I had and still, the representative insisted that they had no records and I owe nothing. I called   XXXX   back after several days of waiting and waiting to see who to pay and here is where we have a problem. On  XXXX   XXXX , I called the Billing department at   XXXX   XXXX   after calling  XXXX  Retail Credit again to see if there was a change- and the same answers applied- you owe nothing ( I also closed the account on  XXXX   XXXX ,   XXXX   to avoid charges from being applied to the account ). When I spoke with Billing at   XXXX   XXXX  , I explained the situation again  ( several times )  and spoke with  XXXX . I asked if I could pay with my  XXXX  card and she said  XXXX . I paid the account with her and I asked for a receipt to be emailed and she denied me the request for a receipt. She said, " we do not provide receipts '' for transactions and that the invoice would be emailed. No invoice was emailed.   At this point, I am thinking everything is ok and then I receive an alert on my credit that  XXXX   XXXX   XXXX  is reflecting a CLOSED account and a balance for {$820.00},  XXXX  of the  XXXX  bureaus is all I can see as I have not subscribed the third  XXXX  as of yet. I called the company for clarification around  XXXX   XXXX  and the representative pretty much told me to call  XXXX   XXXX  and get it resolved with them. Several attempts into this, it is quickly becoming a HUGE strain on my patience and at this point- I am frustrated that I am receiving alerts from  XXXX   XXXX   XXXX   XXXX  that I have a payment due even though the balance was paid in full back in  XXXX . To be clear, the elliptical was paid off on  XXXX   XXXX ,   XXXX   with the Billing representative a  XXXX   XXXX   XXXX    (  which she was rude the entire time ). The card provided is financed through  XXXX  and officially completed its pending process into a completed transaction on  XXXX   XXXX ,   XXXX  .  XXXX  did something in the process that was not correct so she or a representative with   XXXX     XXXX  ran the card again later in the month taking from my available credit TWICE, although  XXXX  of the  XXXX  pending transactions were FINALLY dropped in the end. The charge was for {$810.00} and officially I was advised that I have a {$0.00} balance.   I would also like it noted that without a receipt and only an invoice, I have no real receipt of the paid transaction, which is a problem. The invoice only reflects the initial transaction and not the return of dumbbells, the payment for the elliptical. The only confirmation that   XXXX   XXXX   would provide after numerous calls to resolve this was a confirmation number on a  XXXX   XXXX  (  XXXX  ) order number  XXXX , and also, a generic invoice. The only true purchase record is a credit card statement from  XXXX , which  XXXX  with  XXXX  said would be sufficient enough, although that is her  XXXX  opinion and not that of mine. I feel that I should have been given a record of receipt so that I could have turned that over to the credit bureau 's. Their lack of experience will cause my credit to receive damages if something is not done about this now.   In the end, I paid the bill but now  XXXX   XXXX   XXXX  wants money that does not belong to them! They have sent me a text message letting me know that I have a payment coming up. I received this yesterday,  XXXX   XXXX . I spoke with them again this morning and at this point, I am no longer trusting that either company will get their senses together enough before I have a real big problem on my hands.

Company response to consumer: Untimely response