Payday loan, title loan, or personal loan -- Charged fees or interest you didn't expect -- Complaint #6439278
Complaint Overview
Complaint ID: 6439278
Company: Rfna, LP
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Florida
ZIP Code: 32311
Date Received: 2023-01-13T12:00:00-05:00
Date Sent to Company: 2023-01-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I agree to a loan based a check received by mail that once deposited you agree to terms and conditions. I was instructed to download mobile app and you could create account online Republic Finance.com to view your account details and make payments. The problem I have been addressing since XX/XX/XXXX when I made my first payment greater than the required XXXX XXXX monthly. I have been paying more than this amount to payoff loan sooner. I can not understand why my account only displays payments only and nothing more. I have call over 3 times and again today XX/XX/XXXX about not being able to see how my money is being applied to interest and principal. I've been total conflicting information from technical problems, a supervisor going call you, mail information, supervisor call me back on and on. I have NEVER dealt with a loan servicing company who can not provide me with this simple request that does not display by way of Republic Finance website or Mobile app. The only thing showing is my payments and payment date and balance. The balance does not automatically update after making payment. I make extra and additional amounts over my monthly payment. I am paid ahead through XX/XX/XXXX. Today, site show a payment due of {$38.00} so I paid {$40.00}. My balance went from {$3000.00} to {$3000.00} after paying {$40.00}. Now it shows a payment due of {$190.00} due XX/XX/XXXX. (??? Why did the amount due increase ). Again I am requesting an amortization showing the original loan amount, payments applied to interest and balance thereafter. Why is Republic Finance reluctant to send me this information because it is now shown on the website or App. No more excuses about technical problems, will mail, supervisor will call. Lies since XXXX and it is year XXXX, I still do not have the information. I strongly feel something fraudulent is going on. I demand to see how my money is being applied. Please mail me this information that I was told over 3 to 4 times. Today Agent told me a supervisor will call me, really? You verified my address etc. and to date nothing. My account XXXX. XXXX XXXX XXXX commerce XXXX, XXXX XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX.
Frequently Asked Questions
What is Complaint #6439278 about?
Complaint #6439278 was filed against Rfna, LP regarding Payday loan, title loan, or personal loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2023-01-13T12:00:00-05:00.
How did Rfna, LP respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against Rfna, LP?
Yes, visit the Rfna, LP company profile at readthecomplaint.com/company/rfna-lp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.