Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc.
State: WA

Complaint narrative:
Four separate charges totaling {$81.00} in question : XX/XX/year> I contacted Grid via customer support on their app to cancel my subscription ; Grid makes it very difficult but finally verified they cancelled my subscription and confirmed I had the free version going forward. 

XX/XX/year> I was charged {$10.00} and {$29.00} by Grid. I contacted Grid via customer support on their app again as they previously confirmed I have the free app and there is no reason for these charges that I did not authorize- this is the beginning of charges that Grid has repeatedly ignored requests to provide an accounting for and full refund ; after asking for screenshots, which I provided to show the charge after cancellation, their customer service rep XXXX admitted they did not know what the charges were for. 

XXXX said hed escalate my concern to their internal team for further review and resolution, stating theyd be able to look into the refund request and provide the assistance I need. 

XX/XX/year> I was charged {$27.00} by Grid without my authorization and without any explanation from Grid. I continued attempting to get help from Grid via email with their customer support ; I provided screenshots again that showed I have the free app, that I have no balance due and to confirm they stop charging me. 

XXXX replied to state they were unable to establish a connection with my bank account and steps to resolve that. XXXX stated Regarding your questions about charges, refunds, and account status : I do not have information in the documentation I have found that explains these specific charges or confirms whether further charges will occur. If you need a full accounting or further explanation, I recommend continuing to work with our internal review team, as your case has already been escalated for further investigation. 

I repeated the requests several times to Grid for a full accounting of debts ( as no payday loan was successfully processed to me ) and for the fraudulent charges to my account without authorization ; Grid continued to not address these questions at all. 

I reached out to Grid again to provide a Formal Notice of Unauthorized Charges and Demand for Immediate Refund, citing withdrawal of funds under these circumstances qualifies as unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and potentially as deceptive or unfair business practice under 15 U.S.C. 45 ( a ).

I advised Grid theyd have 5 business days to provide a reversal and full refund of all unauthorized charges, written assurance that no further unauthorized debits will occur, and a complete accounting of all transactions and internal actions taken to investigate this matter. 

Grid continued to ignore this request and not answer to my concerns and the fraudulent charges. 

XX/XX/year> I was charged again, for {$14.00} by Grid again without my authorization or explanation from Grid. I reached out again to Grid via email with customer service, advising this issue is not resolved promptly, I will proceed with filing formal complaints and documentation with : The Consumer Financial Protection Bureau, the FTC, the State Attorney Generals Office and my financial institutions fraud and dispute department. 

XX/XX/year> Grid replied via email with false information, as my account has nothing owed which I can verify with screenshots and bank information : Grid response : Your outstanding balance with Grid was broken up into smaller charges because we could not charge in a single payment. You can view your payment details in the profile icon -> Settings -> Payment History -> Tab into the charge you want to view details and see what it applies to. 

I asked again for Grid to provide the accounting for the debt and they continued to not provide any accounting for this, especially when following their instructions proved my account had nothing due to Grid. 

I replied with a Cease and Desist message to Grid as they continue fraudulent, unauthorized charges to my account : This notice is to formally demand that your company immediately cease all unauthorized withdrawals from my account. You have continued to debit random, unsubstantiated amounts on a daily basis without any accounting or authorization. 
These ongoing charges constitute : Unauthorized Electronic Fund Transfers in violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), and Unfair or deceptive practices under 15 U.S.C. 45 ( a ) ( Federal Trade Commission Act ).

Be advised that continued withdrawals after this notice may also constitute willful conversion and theft under state law.

I am demanding the following actions within three ( 3 ) business days of this notice : Immediate halt of all electronic debits and closure of any automatic payment authorizations. 
Full refund of all unauthorized withdrawals. 
Written accounting of every transaction taken from my account, including dates, amounts, and authorizations. 
Written confirmation that no future charges will occur. 
Failure to comply will result in formal complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Consumer Protection Division My financial institutions XXXX department This is your final notice to correct and cease this unlawful conduct. 

XX/XX/year> XXXX replied that he had no explanation for the charges and my concerns have been escalated. 

XX/XX/year> Grid requested confirmation to revoke ACH and debit card authorization, which I confirmed to ensure no ongoing charges would ensue. Because Grid repeatedly and continually ignored the demand for an investigation and refund of unauthorized withdrawals, I advised Grid that : I am not acknowledging any valid debt or balance until you provide a complete and verifiable accounting of all transactions, including written documentation of my authorization for each charge. 

Your statement that revocation disqualifies me from using your services does not supersede my legal right to revoke payment authorization or to dispute fraudulent charges. 

XX/XX/year> Grid confirmed via email that they manually broke the connection to my bank, but also stated The revoked ACH and debit card authorization do not change the balance that you owe Grid. Your balance with Grid including subscription fees is still your responsibility and needs to be paid. I do not have anything owed to them so this statement does not apply and is avoiding the investigation into the fraudulent charges. 

I replied to Grid that I would escalate as to date, none of this required information has been provided : A full itemized accounting of all charges Documentation showing my authorization for each debit Confirmation that all unauthorized withdrawals will be refunded Confirmation that no further debits will occur XX/XX/year> Grid replied : Thank you for reaching out. It appears that your question has already been addressed in the thread. Please review the previous responses at your convenience.We have manually broken the connection with your bank per your request, you should not be charged by the confirmed payment method above moving forward until you reconnect one to reinstate authorization. 

The company has not provided legal proof of debt, proof of authorization, and continued charging me without authorization. This appears to be a predatory unauthorized withdrawal pattern. I am requesting CFPB intervention as theyve now charged me a total of {$81.00} without proof of debt or my authorization. 

I can include the full screenshots confirming my account was cancelled on XX/XX/year> and going forward on the free account, as well as the failed payday advance and confirmation I had nothing owed to Grid. 

Grid is functioning as a predatory and dishonest operation that stole money I do not owe to them.

Company response to consumer: Closed with explanation