Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONE WAY RECOVERY SOLUTIONS, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I received a payday loan in the amount of {$200.00} from a business by the name of XXXX located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I provided a post dated check to receive the loan funds for the amount of {$220.00}. On the day I was due to return to the business and pay off the loan or renew the terms ( by paying off and resubmitting a new check to extend the loan for another pay period ), the business was not open. I had already withdrawn the funds. The company had submitted my check and it was returned for NSF. I made several attempts to pay off the amount owed but the company was then asking for more than the balance due. I received a collection notice from XXXX   dated XX/XX/XXXX for the amount of {$220.00} plus a {$35.00} service charge. Since this was immediately after the holidays, I did not have any available funds. I received calls every day on my home phone, work phone and cell phone. I was threatened with legal action and repeatedly asked the man named " XXXX '' to stop calling and harassing me especially at work. He was very rude and demanding and not able to be professional. I received a letter dated XX/XX/XXXX from One Way Recovery demanding a balance now of {$320.00}. This is not what I owed. In XX/XX/XXXX he sent someone to my home to make a demand for me to pay it or he will pursue legal action. I was really shocked by this bold appearance at my home. On XX/XX/XXXX I made a payment of {$100.00} to his in house collection One Way Recovery Solutions in order to stop the harassment. XXXX continued to make harassing calls to me & I continued to ask him to stop. Months later I made another payment of {$50.00} and then stopped paying because I felt like I was dealing with a loan shark. On XX/XX/XXXX, XXXX filed a law suite with the District Court of MD. XXXX was trying to now extort {$370.00} from me. I fought the lawsuit in court which took more than a year. On XX/XX/XXXX the XXXX ordered a Judgement in the amount of {$150.00} to pay XXXX. They did not grant the the increased balance the company was asking because the Judge indicated payday loans are illegal in the state of Maryland. The check was not written for goods or services but only for the purpose of an illegal loan. 

XXXX was not happy with the Judges ruling and has continued to ignore the courts judgement. They continue to call and harass me for more and more money. I received another collections letter after the Judgment was issued. The letter was dated XX/XX/XXXX and they were now demanding {$460.00}. I have tried to resolve this matter but they continue to try to extort money not owed to them so I can no longer deal with it and feel I have no other way to stop the extortion. It keeps increasing and is now effecting my credit. I had to quit a part-time job I was working in XXXX because they tried to garnish my check for {$550.00}. This man ( XXXX, the loan shark ) should not have the right to do this to hard working citizens. Since XXXX XXXX has been reporting a collections to the credit bureaus for the amount of {$550.00}. They have ignored the courts ruling and continue to violate my rights with harassing calls. In XX/XX/XXXX, I filed a dispute with XXXX to remove this collections from my account because it is not valid or legal and they company continues to report to them that I owe them {$550.00}. I just submitted proof of my Judgement amount to XXXX  on XX/XX/XXXX but XXXX not confident that this will be resolved by way of dispute with the Bureau. Please help me stop this predator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation