Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I received many payloans over the years from Easy Money. Normally they are easy to work with ; however since I have to keep re-borrowing to pay bills you get in a cycle where you can't get out of them without penalty to your other bills. The fees are {$87.00} to borrow {$500.00} and I'm sure over the years they have got me for over {$2000.00} or even {$3000.00} in fees. 

I called Easy Money today, XX/XX/2019 at the XXXX, Alabama location. My loan was due XX/XX/2019 and I lost my job on XX/XX/2019 and am having to move and I didn't get a lot on my last check. My tax return is supposed to be deposited on or around XX/XX/2019. They had called my phone at least 4 times over the weekend and twice this morning ( XX/XX/2019 ) and didn't leave a message which is annoying. I knew I needed to take care of it so I called around XXXX XXXX XXXX XXXX  to the local store and identified myself. I asked that since I lost my job and my income tax was coming back on XX/XX/2019 if they could hold it until then and I would take care of it. The girl named XXXX said " absolutely NOT '' with an attitude and I told her they have done that before for a few days to let me take care of it. I specifically asked her if she had deposited it yet and she said either today at XXXX XXXX   or tomorrow at XXXX XXXX the check would go in. I specifically asked her again if she could please hold the check for 3 more days so I wouldn't get any fees. She said " absolutely not '' with attitude and I told her the check WOULD bounce if she put it through at those times and she said " you'll incur fees at your bank AND with Easy Money. '' I told her I would get it back by them taking it off the loan when the check came back and she argued with me and told me she was just sending it through immediately since I made her angry apparently. She maliciously and knowingly put the check through to incur fees when I told her specifically I could take care of it in three days. My bank will charge me {$40.00} for the transaction and Easy Money will charge me {$30.00} or something like that. It will cost me {$70.00} extra. Again, this was malicious and deliberate in order to get fees. 

In the past I have called and said I had issues and they sometimes hold it until I get can back and take care of it but XXXX refused and told me I was out of luck and she was sending the check through in order for me to incur extra fees. 

I wish you all would shut these sharks down. I do not plan to use them anymore, even if I have to eat out of a paper bag behind the dumpster. They are crooks and ripoffs and should not be in business. 

I will enter my mailing address as I don't want Easy Money or CFBP to send any mail to my actual house address for others to see. 

My home address is XXXX XXXX XXXX, XXXX XXXX, AL XXXX ; however please do not send any mail here, please use XXXX XXXX XXXX address for any correspondence.

Company response to consumer: Closed with explanation