Consumer complaint received 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
I received a check in the mail from Regional Finance for a loan offer of {$1200.00} on XX/XX/XXXX. Since I had some medical procedures and bills to take care of in XXXX of that year, I deposited the check, and the funds were made available to me on XX/XX/XXXX. I then received a missed call from Regional Finance on XX/XX/XXXX at XXXX and a voicemail left by the representative Regional Finance. At XXXX I returned the call and spoke with the company representative where we discussed the modality of the loan repayment. The agent told me that the payments will be due on the XXXX of each month. I notified the agent that I will not be able to make my payments on the XXXX of each month and that the reason I accepted the check offer was because on the back of their letter it stated monthly payment will be on the XXXX of each month which was appropriated for me or the XXXX of each month. The representative then told me that she will have to consult with her manager and will get back with me. At XXXX of that date XX/XX/XXXX the representative reached back out to me and informed me that the manager offers payment due date for the XXXX of each month, and I have until the XXXX to make the monthly payment without occurring any penalty. Although I mentioned to her that I preferred a payment due on the XXXX of each month where I am sure to be able to make my payments. She stated they can not set up my payments for the XXXX but only just to the XXXX and will not get penalized if the payment arrived on the XXXX. We then agreed on those terms. 
However, on XX/XX/XXXX, I received a missed call from the company and similarly on XX/XX/XXXX. 
On XX/XX/XXXX received another call at XXXX from one of their representatives where he told me to my surprise that I missed a payment due on XXXX let him know that my payment is not due until XX/XX/XXXX and I have until XX/XX/XXXX to make my payment as it was previously agreed upon. The agent told me that I should have received a paper for the new due date but since I have not received it I will have to pay late fee. I advised him that I never received these documents from them, and they should send it to me in order to sign them. They still have not sent a document to me and yet charged me a late fee. 
On XX/XX/XXXX I received a phone call from the company at XXXX and again the same scenario I am being told by the agent that I am past due. I went through the same ordeal with him about the previously agreed payment due date on XXXX just for him to tell me again about the documents to be received and signed to complete the change. When I asked him why they still never sent and could not send these documents to me, he told me that he did not know the reasons, but I will have to pay another late fee if making the payment on the XXXX. They are acting as if I am the one at fault yet they wouldn't send the documents to sign as they said they will but they preferred to play gimmick and charge these fees.

Company response to consumer: Closed with explanation