Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Double D Finance dba Idaho Finance
State: ID

Complaint narrative:
I pulled out a loan with Idaho Finance for {$1000.00} during late XXXX of XXXX. I stayed on top of my payments for many months and became a loyal customer with no complaints. I went through some health problems along with the need of several car repairs during the fall/winter of XXXX. I started to fall behind on not just my regular payments to Idaho Finance, but also on all my bills. I was missing work more than normal and did not get paid time off from my employer, making bills a nightmare. Whenever my payment was declined, I was bombarded with calls every single day until I found some time to call them back. I worked in XXXX so stepping away to take a phone call wasn't always easy. I tried to be open about these issues with XXXX and XXXX, yet neither of them really seemed to care. XXXX came off a little harsh yet mentioned he would give me a one-time only payment deferment yet never disclosed to me any fees associated with this. As the winter came my car began to have multiple issues and I was spending a large amount of whatever leftover money I had after priority bills on car repairs. I hoped to get back on track after the deferment was given to me, but this was not possible at that time. When I had a chance to call Idaho Finance back regarding my account, there were times I thought I could fork out some money to make the payment yet come payday those priorities had to change given my situation. When I had time to call the staff at Idaho Finance, I was met with an attitude and lack of understanding given my situation. Never once was I offered any form of payment plan, split payments, extra deferments, etc. I was simply told ok well we need a payment you are past due. I'm well aware of that, thanks. As days went on, I continued to get the same call every single day. Nobody has time to call back on every message and explain the same story every day. I called them when I could make time in my life as a single mother and XXXX worker. Even when I would call and manage to show that I wanted to keep in contact, they didnt care to listen to what I had to say, all they cared about was when I was making a payment. With the way things were going in my life it was extremely difficult to promise them an exact date. Thats not where I draw the line, during this same time they also called my family members and sent faxes/emails to my employer! At this point this isn't considered harassment, IT IS harassment. I finally became less willing to have grace with these people and became angry. When I called to tell them NOT to contact my employer/family members the request was ignored and simply met with When are you making your payment? I explained the same story over again, I am in financial hardship at this time, and I can not guarantee a promise to pay. XXXX the owner became extremely nasty at this point. He told me, I never asked why you cant make the payment ; I asked when I am getting a payment from you. He chooses to completely ignore my reasoning, never once offers to work something out, and therefore chooses to threaten me with legal action if this isn't taken care of ASAP. About a week or two later, the daily calls from XXXX still continued and they also started sending emails to my employer at this time as well. Do you know how embarrassing it is when your HR manager keeps having to pull you aside because some loan company keeps harassing her about your account? Seriously? How low do you have to be to continuously nag and not take a hint? I decided to call again, and this will be the last time I ever call this business again. I immediately got transferred to XXXX and I asked what plans could be made for my account since I am still unable to make my regular twice a month payment. XXXX proceeds to tell me the account has gone legal and there is nothing to be done to help me. Then why am I, my family, and my employer still continuously getting harassed every single day? My loan was for {$1000.00} for twice a month payment of {$100.00} as stated in my contract. Looking back at my statements, suddenly they began charging me payment increases to {$120.00} without any prior notice. Why? Since XXXX of XXXX I have paid a total of {$1100.00} to Idaho Finance. On XX/XX/XXXX, XXXX sent me an email stating my outstanding balance was {$1500.00}. So, my payments were increased without any prior notice or warning and now you are demanding me to pay my {$1000.00} original loan balance plus {$500.00} interest plus legal fees? To whomever is reading this, stay far away from this business. These people are predatory sharks.

Company response to consumer: Closed with explanation