Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Giggle Finance for what I believe to be misleading lending practices, aggressive collection actions, and failure to provide proper documentation regarding a loan I received from them in [ Month/Year ]. 





Background : In or around XXXX, I took out a loan of approximately {$700.00} from Giggle Finance.

I was told this was a business loan, not a XXXX XXXX XXXX ( XXXX ). I was unfamiliar with how XXXX products work and was never fully informed about the terms, risks, or consequences. 
Due to financial hardship and a default on a previous loan from XXXX XXXX XXXX, I fell behind on my payments. 






Discrepancy in Loan Balance : Giggle Finance claimed I owed {$1400.00} as reflected in the UCC lien they filed against me.

However, when I contacted their office, I was told I owed {$1500.00}. I asked for an explanation of the discrepancy and was promised one, but never received it. 
I was forced to pay the {$1500.00} under pressure, even though this amount exceeded the amount on the UCC lien and was never fully explained.

Unfair Collection Practices : Giggle Finance froze my XXXX and XXXX accounts, which cut off my income stream and made it even more difficult to repay them. I was unaware they had the ability or right to do this. 
During phone conversations, their XXXX of XXXX, XXXX XXXX, was disrespectful, raised his voice, and even hung up on me when I asked for clarification about the payment differences. 
I contacted Legal Aid for assistance and refused further communication with XXXX XXXX after his unprofessional behavior. 






Lack of Documentation : On a recorded line, XXXX XXXX promised to send me a proper receipt and a detailed merchant chargeback explanation for the extra amount I was charged. 
He sent only a minimal, vague receipt and refused multiple requests to resend a clearer version. 
To date, I have not received : A clear explanation for the increased balance, An updated payoff statement, Or a detailed breakdown of charges as promised. 







My Request : I believe I was misled, overcharged, and treated unfairly during this process. This appears to be predatory lending behavior disguised as a merchant cash advance, without adequate disclosure or consent. I am requesting that the Consumer Financial Protection Bureau investigate : Whether the terms of the loan were fairly and transparently disclosed ; Why there is a discrepancy between the UCC lien and the final payoff amount ; Whether Giggle Finances collection methods ( including freezing payment platforms ) were lawful ; Why the promised receipts and explanations were not properly provided.

This experience has caused significant financial and emotional stress. I am willing to provide phone call records, email communication, payment receipts, and any additional documentation you may require for investigation. 



( I still would like my records for the {$1500.00} of that pay for stating an explanation from the funds I originally owed of {$1400.00}. I would like to General ledgerso I can explain this when I find my IRS taxes. I have not received proof of receipt of breakdown of payments. 



Sincerely, [ XXXX XXXX

Company response to consumer: Untimely response