Mr. Amazing Loans

Review: I called on 10/29 and spoke with [redacted] about changing my payment date from the 26th of every month to the 30th of every month. my pay dates were falling within a couple days of when my payment was due and we both agreed this would eliminate any future issues. I checked my bank statement on 11/26 and noticed that the company had charged my account on the original date. Not the updated date. My direct deposit did not go into my account until 11/28 when I got paid. My account was charged a $34 fee from the company and my bank also charged me an overdraft fee. I called on 11/28 to let them know they were not authorized to go into my account on 11/26 and made them aware of the fees they caused on my account. I was told I would get a call back with an answer as to what my options were regarding them reimbursing me for the fees that were charged. I never heard from anyone. I called Monday to discuss and I was told someone would call me back. I missed the call and called back as soon as I saw they called. The same girl I had already spoken to that day was the one who called me back. Not a manager. She then proceeds to tell me that the only thing I can do is contact my bank about the fee they charged me because she couldn't do anything about the overdraft fees. She advised me [redacted] never changed my payment date in system which is why it was processed on the wrong day. I was also told [redacted] is on maternity leave for 6 weeks so they said they have no way of asking her. I told her that it was not my fault she did not do her job correctly and that I felt I should be reimbursed for the fees that were charged to my account. Had the payment processed on the correct date there wouldn't have been any issues because the funds would have been there. The representative basically told me I had to call the next day when [redacted], the supervisor would be in. I called on Tuesday, 12/2/14, and spoke with someone named [redacted] I believe. She spoke with me about my concerns and told me she would discuss with her operating supervisor and call me back. She called me back and told me that they would be processing the $94 on 12/3/14. She told me I requested to make payment that date. I never once requested to set the payment for 12/3. A lady named [redacted] talked to me about a payment I was behind on and we set up for a double payment to come out 12/30 for $180 to cover the December payment and the payment I was behind. She never mentioned Dec 3rd to me once nor did I bring up that date. I told [redacted] that the funds would not be avail on 12/3 due to all the fees I had been charged. She basically acted like this was my fault and that I wouldn't have had funds available anyways which is not true. Then they went into my account again on 12/2/14. They were not authorized to access my account on this date. Why did they attempt to pull funds again after I had already called to address the issue with them going into my account on 11/26. She told me they would reimburse the $70 of fees to me on my January payment. I told her that the issue is them going into my account again when I clearly don't have the funds in there. Not only did they process the payment on 12/2 when they were not supposed to, but they did another withdraw today, 12/3/14 for the $94/ So at this point, they have gone into my account 3 times. Causing me to be over drafted each time. I feel like the situation was handled completely unprofessionally. I had two people hang up on me all because I was challenging the fact that they are saying they will not pay the fees , only credit me for January. That doesn't change the fact they cause me over $130 in overdraft fees at this point. I do not feel I should be responsible for paying all of these when the ball was dropped on there end. They have record of me calling on 10/29 to make the schedule change. [redacted] read the note to me yesterday when I spoke with her. So they were full aware that my payment date had changed. They messed up and can't even accept responsibility for it. Instead, the chief operating manager got on the phone and requested I send her my last 30 days of bank statements. She told me she was going to review them and if she doesn't like what she sees she told me she would take me to court for the loan. So they mess up and overdraft my account and I call to complain and she threatens to take me to court? What is she going to take me to court for? For being upset that someone didn't do their job and caused my financial distress that could have been avoided? I think it is completely unacceptable the way I was treated. Had it been a matter of me just not having funds on the date I agreed to I would understand. But I called to specifically avoid this from happening. I feel this issue needs to be corrected. I should not be treated this way due to someone else's mistake.Desired Settlement: I want my overdraft fees reimbursed to me for each time they went into my account without authorization.

Business

Response:

Ms. [redacted] borrowed $3000 dollars from our company on 08/26/2014 and signed an ACH authorization form with the first payment due on 9/26/2014. On 09/26/2014 the ACH authorization to draw $93.25 from her account was rejected as there were no funds available and our ACH processor charged her account in the amount of $25 reject fee which is detailed on the ACH Authorization form she signed on 08/26/2014. Note we did not charge her a late payment fee on her account ($10) and waived the late fee charge. She emailed us on 09/30/2014 and indicated the funds would be available on 10/3/2014 however again the funds were unavailable. On 10/26/2014 the ACH authorization was again processed for both the 09/26/2014 payment and the 10/26/2014 payments which were both rejected again we did not charge her a late payment on either the 09/26/2014 payment or the 10/26/2014 payment. Note her new loan funded on 08/26/201 is now 60 days past due the first two scheduled payments.On 11/3/2014 we received via ACH one payment in the amount of $93.25 bring the account now 38 days past due as of 11/3/2014. As it relates to her comments regarding changing the payment due date to the 30th I have no knowledge however will assume she did have a conversation with one of my staff members. The 11/26/2014 payment ACH authorization for the October and November payment were rejected and she was charge a $25 fee by our ACH processor her bank may have also charged her. I am happy to refund the $25 fee. Again on the payment was rejected as Ms. [redacted]’s checking account was in the negative by 453.17. On 12/2/2014 Ms [redacted] contacted our office and spoke with my collector regarding the 11/26/2014 payment which should have been set up for the 30th. The collector spoke with Ms. [redacted] which I was present for and she was told she need to bring her account current and that we would work with her and request one payment (October 26th payment) to come out of her account on 12/3 and the would permit her to make the November 26th and December 26th payment on the 30th of December again we waived her late charges for September, October and November payments. She was also told once the loanaccount was current I would credit her January payment with the refund of fees up to $75 (3 reject fees charges by our ACH processor).As of this date we have cancelled her ACH agreement and will only accept payments in the form of a check or money order. I will issue a check to Ms. [redacted] in the amount of $75 as I am not responsible for her personal bank charges. I will provide her with the notice of past due payments and payment coupons for future use. Her account status as of this date is past due 2 payments in the amount of $186.50 and another payment due on 12/26/2014 in the amount of $93.25. Additionally, I have waived all of her late charges. If the account is not brought current I will seek remedies afforded me by law to collect the past due payments and the outstanding principal balance as the loan will be in default and subject to legal action.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.When can I expect to receive the check being issued to me for the returned check fees?Also, I have no problem getting my account current. That wasn't the issue and no one even went into detail with me about getting my account current other than when [redacted] advised me there would be a double payment for $180 for my December payment. Like I said, I have no problem making my payment. I had a problem with the payment being taken on the wrong date- more than once. Also, please be advised that my December payment and all future payment need to be on the 30th- in the email you sent me you said my December payment is schedule for 12/26/14. it needs to be changed to the 30th which should have been changed a month ago. I also want either an email or an updated agreement to reflect that my future payments will be drafted on the 30th. I don't want to run into this issue again and the date obviously still has not been changed based on the email response I received from your company today.

Regards,

Mr. Amazing is not so amazing and quit frankly a waste of time! The requirements that are requested which I provided are then changed through the process of the loan. I submitted everything asked of me and then when I questioning the decline reason I was transferred to [redacted] who was very unprofessional, rude and abrupt. I would not recommend giving this company your personal information as I am unsure where it goes after you have been declined. They are unwilling to answer questions and just want to get you off the phone.