Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
I had filed a previous complaint against JG Wentworth with the CFPB for trying to charge me more than {$1200.00} when I owed {$100.00}. I logged over 13 hours of phone calls with XXXX, trying to get them to fix this. Nothing but the runaround. I filed the complaint with CFPB, and XXXX finally agreed that they had an error, claiming, " Due to a skipped deposit for XXXX and with the next scheduled payment set for XX/XX/, the remaining balance of {$150.00} which includes {$130.00} in program fees and {$19.00} in XXXX escrow fees will be deducted accordingly. '' JG Wentworth is still incorrect and are trying to overcharge me for my graduation at {$150.00}. What I owe is {$25000.00}, minus the {$25000.00} that I paid, which equals {$100.00}. They claim a XXXX XXXX escrow fee of {$19.00}, when it has always been {$9.00} throughout the history of the program. I spoke with an agent, and she claimed the overcharges are a padding in case of unforeseen charges. She claimed that if there are no other unforeseen charges, the overcharge would be refunded. I do not agree to this. Also, strangely enough, I noticed their overcharge adds up to exactly the two refunded legal fees, {$15.00} each ( {$31.00} ), and XXXX added escrow fees of {$9.00} ( {$19.00} ). The math is ... {$100.00} ( My actual final balance without the final escrow fees ) + {$19.00} ( the amount of 2 escrow fee payments ) + {$31.00} ( XXXX trying to reclaim my 2 past legal fee refunds ) = {$150.00}. Now, after a third complaint to CFPB, XXXX claims, " Total Eligible Fees : {$2500.00} Fees Collected to Date : {$2400.00} Outstanding Fees : {$130.00}. The original fee of {$2500.00} was disclosed to XXXX XXXX at the time of enrollment. This amount represents 25 % of the original enrolled debt of {$10000.00} for the creditor referenced above. As reflected in the XXXX ledger previously provided, only {$2400.00} has been collected to date. Additionally, due to the skipped draft in XXXX and the upcoming scheduled payment in XXXX, the monthly escrow fees of {$9.00} for XXXX XXXX have accrued. This brings the total outstanding balance to {$150.00}. Should XXXX XXXX wish to remit payment prior to the scheduled draft date of XX/XX/2025, he may contact our office directly to make arrangements. If payment is received before the XXXX escrow fee is assessed, the total amount due would be {$140.00}. '' I know how much I paid in and how much I owe, and the final balance without remaining fees is {$100.00}. What I owe is {$25000.00}, minus the {$25000.00} that I paid, which equals {$100.00}. If it is true that I have XXXX more monthly payments of {$9.00} each, then the final balance should be {$120.00} ( {$100.00} [ Final Balance ] = {$9.00} [ XXXX XXXX ] = XXXX [ XXXX XXXX ] = {$120.00} ). {$130.00} is an incorrect final balance of fees due to their inconsistent accounting and should have been covered by the escrow account that I paid into. An example of inconsistent accounting.... Telling me I owe $ XXXX when I only owed {$100.00} ( Though you claim {$130.00} ) and wanting to keep charging me {$520.00} to get the $ XXXX, only admitting your accounting is wrong after a complaint to CFPB. I have fought for over a year and a half over their inaccurate accounting, and it continues to be the same. I will only pay the final mathematically correct balance of what I owe, minus what I have paid in, which is {$100.00}, with the fair charge of XXXX months of escrow fees of {$9.00} ( {$19.00} ), totaling {$120.00}. They have proven that their accounting can not be trusted.

Company response to consumer: Closed with explanation