So I had a loan with Snap Finance. I was paying on time and was about to pay it off when I noticed that the balance was not going down even though I have paid it. I called them back and went over the bill and they charged me even more money! This is the third time this has happened so I did call and curse them out (I know, not the best thing to do). They called the police on me because I stated I had a mental breakdown due to them and I guess they thought of suicidal thoughts. Needless to say I will no longer deal with them. After arguing with the manager and their "specialty department" I threatened to sue them out of anger. Ever since then they have referred me to write their legal department and they automatically charged me off. They said I can only speak to the legal department going forward.
I have never heard of a company that does this but this is absolutely nuts. My question is usually how long does it take a company to send it to third party collections because they will not tell me over the phone? Should I write to their legal department? What do I do. I owed $250 but they told me $333 and when I threatened to record the conversation they hung up on me. I really can not deal with another ding to my credit.
