This company is the absolute worst. All their reviews are fake or bought and paid for. Please please for your own sake, don’t make the same mistake I did, and sort the comments from most recent and you will see how common their negative reviews are since they started operating under this name. It appears they have operated under several names in the past and start a new company name once too many bad reviews pile up. I was a great customer, had made my first three payments on time and as scheduled. On my fourth payment, they took TWO payments from me and REFUSED to return the second payment. I advised them that I was on an extremely tight budget and by them not returning the payment, it would cause multiple bills of mine to bounce, resulting in multiple NSF fees I could not afford. I also advised them by incurring these NSF fees, I would not be able to make my final payment on time because it put me behind. Yet, they continued to try and withdraw the next payment causing me another NSF fee. Had they not taken TWO payments on my scheduled 4th payment, or returned the additional payment they took, everything would have been fine and I would have been able to make all 6 payments as per the scheduled agreement. Not only did they break our payment schedule by taking 2 payments on the 4th payment period, they also charged me NSF return fees on their end of $65 for when they tried to withdraw the final payment. Despite me advising them that payment would no longer be doable because of the $165 bank NSF fees in incurred because of them taking two payments and causing other bills of mind to bounce. Then began the RELENTLESS harassment. These people are next level and extremely rude and nasty. I then received an email from them advising that if I sent them my final 6th payment, my account would be resolved in full and closed. I agreed to send them the final payment so that my account would be resolved and I would no longer have to deal with them. After sending the payment, I asked them to send me a release letter advising my account was paid in full and closed. They then advised that they would not close my account unless I sent them an additional $125 (essentially holding me hostage). It was a stupid mistake on my part to not get the letter in advance of sending the final payment; however, I do have two emails from them confirming resolution of my account if the final payment was sent but now I have to do the leg work to get it resolved Finally, after looking into the numbers on their Statement of Accounts that they send you biweekly and our contract agreement, I realized the numbers didn’t add up and I had already overpaid them $94 over the agreed upon loan repayment amount (which was already very very high). Please for your own good, look elsewhere. There are tonnssss of other companies out there. Going with Liberty will be your biggest mistake. Even if you do pay all your payments on time like I did/was, you have no way of knowing if one week they will need extra money and will just withdraw multiple amounts from your account and not offer any solutions or compensation for the hardship that caused you. They know if your someone coming to them borrowing $500 at such a high interest rate, you cannot afford an additional unexpected payment of almost $150 without it causing major issues to you budgeting. But that’s what they want. So that you can mess up you payment schedule with them and they can charge you these $65-70 fees for missed/returned payments which earns them more money. So trust me, this is something they are doing on purpose and will likely not stop.
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