Consumer complaint received 2018-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Services Corporation, LLC
State: NV

Complaint narrative:
Complaint Description : Illegally charging late fees each month when payments are made on time ; billing error not resolved since XX/XX/XXXX. Approximately in XX/XX/XXXX my clinic XXXX XXXX opened a loan for me to finance a XXXX XXXX in the amount of {$1900.00}. The loan contract was submitted and an account was opened ( XXXX ) but the treatment did not start until a month after the loan paperwork was signed so XXXX XXXX contacted HCS to cancel the loan XXXX and opened a 2nd loan XXXX to replace the 1st due to treatment start date. This company DUPLICATED my loan and I ended up having 2 loans for the same amount ( XXXX and XXXX ). The correct contract was XXXX and had a 1st due date of XX/XX/XXXX for {$77.00}. In XX/XX/XXXX I had an add-on to the loan since I had additional treatment. This 2nd loan was for {$870.00} and acct # XXXX was created for this loan. I received 2 bills in the mail so I made one payment on one bill and when was getting ready to pay the 2nd one ( thinking was the 2nd loan I had ) when I received a 3rd bill. I then realized they had DUPLICATED my XXXX XXXX loan ( {$1900.00} ) so now I had 2 loans for {$1900.00} and one for {$870.00}. I then stopped paying until they closed the duplicated loan to avoid confusion. XXXX XXXX tried to close the duplicated account for 2 months until HCS finally closed it, they said they kept telling them to close it and they failed to do it. By then, both my accounts were past due as I had stopped paying until this matter was resolved. Once it was resolved, I paid both accounts current and asked them to refund late fees on both accounts due to the duplicated account they failed to close in a timely manner. They refunded late fees since I had paid the number of payments due minus late fees. To my surprise, they did credit the late fees BUT for some reason they accounts were still showing past due, each month the past due amount varies. I kept making my payments on time and every month I paid ON TIME they still charge me a {$35.00} late fee on each account. I've spoken to them 3 times as I started to get collections calls and letters and I explained all late fees were removed on BOTH accounts and on XX/XX/XXXX I made my number of monthly payments due to bring the account up to date, so WHY is it showing " past due '' each month? coincidentally sometimes it shows the past due amount is {$70.00} which are 2 late fees together which were already refunded ... I asked but they could never give me a response. They kept telling me they would send my account to another department for review and to fix any issues as they agreed with me, the account should be showing up as current as it was current, and someone would call me back ... NO ONE ever called me back. It's been a nightmare since XXXX when I paid current, they keep charging me $ XXXX/MONTHLY on " late fees '' on BOTH accounts. I am tired of asking them to review my account, review my number of payments for them to realize I have made ALL the number of payments required to bring the account current AND I have been credited all late fees so the accounts SHOULD be current in their system, however, their system is not working correctly and they are still charging a late fee each month when I continue to make my payments on time. At this point I feel completely ROBBED by HCS and I have notified them I refuse to continue to be abused and robbed as they have failed to fix their computer system/billing problem and failed to review my accounts and correct it. For example : ACCT # XXXX : XXXXst due on my 2nd loan was XX/XX/XXXX. I paid current in XXXX ( made 2 monthly payments together ). They refunded 2 late fees. Acct should be current. But on both XXXX and XXXX statements, it shows {$70.00} past due plus {$35.00} late fee ... I again just paid my monthly payment {$81.00} in XXXX and in XXXX. XXXX statement now shows {$100.00} past due plus {$35.00} late fee. This is unbelievable!!! ACCT # XXXX : 1st due XX/XX/XXXX for {$77.00}. This one of the duplicate accounts. Paid {$20.00} in XXXX and paid 3x {$230.00} on XX/XX/XXXX, totaling 3 monthly payments. XXXX and XXXX statements say {$70.00} past due and {$35.00} late fee, this never stops!!! In addition to all this, their statements are confusing as they do not mention the date I made a payment, it only shows a payment was made and the amount but they fail to write the date on it. This is also very confusing to the consumer as it is hard to determine or " see '' if they were right to charge a late fee if it was past the due date but not seeing the payment date and only seeing the " late fee '' charged is deceptive and shady on their end, offering only limited information to the consumer leads to abuse, as they can say whatever they want as to when the payment posted but they fail to show the payment date in writing on the statement.

Company response to consumer: Closed with non-monetary relief