Consumer complaint received 2025-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: GA

Complaint narrative:
Good afternoon, It's a disgrace that I have been treated rudely from your SST representatives for simply inquiring about a benefit that is owed to me for my service and sacrifice to our country. I have been XXXX XXXX for XXXX years with XXXX tours to XXXX and XXXX. Last week, I was made aware by my military XXXX XXXX about the XXXX benefits for active-duty service members whom are Ohio residents XXXX I called XXXX, XXXX XXXX and SST. In which they all complied with the Ohio provision expect SST/Pioneer loan. I called SST to make them aware and without even looking at my documents or acknowledging the Ohio provision the supervisor on the phone call immediately denied my request. So, I sent a follow up email on XXXX XX/XX/XXXX with the excerpt for Ohio and all my supporting documents showing proof of Ohio residency etc. I have yet to get a response, but I did call back to maybe get a hold of another supervisor who would take the time to listen to what I was saying but I was still met with the same gentleman who made the comment that I won't be approved because there was no break in my service. I once again tried to explain to him that I am an Ohio resident, his next response was well XXXX only serviced military clients if they did XXXX XXXX for everyone, then they wouldn't make any money. Which was very distasteful and didn't make any sense. There are XXXX key provisional states, and that is Ohio, Pennsylvania and Louisiana. The XXXX handbook in Ohio quotes. Chapter XXXX " To help ease financial burdens created by active military service, Section XXXX of the XXXX provides servicemembers with a XXXX XXXX interest cap on all debts incurred prior to XXXX XXXX, including federally insured guaranteed student XXXX Note that Ohio XXXX the XXXX XXXX interest cap on all debts, not just those incurred prior to XXXX XXXX. '' Additionally, the gentleman on the phone said the way SST is not held liable is because it's not a good or service which a loan is an obligation. However, the handbook states : XXXX The XXXX XXXX interest cap applies to all obligations and liabilities incurred by a service member, individually, jointly with a spouse, or in the name of a closely held business entity. In addition, courts have held that the cap applies to Chapter XXXX repayment plans and foreign judgements. Note : XXXX Ohio Law Note. The term obligation is defined as, any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of a contract or other transaction for the purchase of goods or services. Ohio XXXX. XXXX XXXX. XXXX ( A ) ( XXXX ) ( XXXX XXXX, Lastly, the other excuse the phone rep told me for my denial was because the loan was serviced in Nevada. Bottom line is " Ohio law does not limit coverage to only pre-service loans. '' Thank you for any help in this matter.

Company response to consumer: Closed with explanation