$300 loan at CheckSmart over a year ago on my fourth month after paying $63 a month I asked to pay it off elderly lady that worked it to Huber Heights Branch where I took the loan out told me no I couldn't do that that would cost me over $1,000 to pay it off I didn't have over $1,000 at that time I had enough to pay the 300 plus the $63 interest on it so I thought at the end of the year that the loan would be paid off because that would have been paying them back 700 and something dollars to borrow 300 but that wasn't the case on the last month I paid my bill and then she told me I still owe $304 which would have maybe $1,057 to pay it off I did not pay the extra 300 I thought that was outrageous so I got a call the last of May with a man named John that worked in the head corporate office and I explained what happened that I had called a couple of times trying to pay that loan off when I had the money he said well it's due today and I said I'm sorry I'm on the mass layoffs and he said well you get Social Security and I said well my check is not in and I said and plus I don't think I owe that extra 300 he proceeded to stay things that were very rude and I check my checking account yesterday and they took it out of my checking account $304 so I called today and I got the same man and he called me a liar on the phone and said that he called me and I picked it up and that's a lie he did not but when we talked at the end of May I told him to give me to the first of the month and he said no you said the end of the month I said it's the same difference I don't get paid till January 3rd and he said oh well too bad we don't got the money from you so I am very upset with CheckSmart very bad procedures very rude people that work for them I don't expect to be called a liar when he said that I answered my phone when I did not answer my phone and then he I proceeded to tell him he told me that he would make a deal if I paid it I don't have to pay a hundred and fifty and I asked him what happened to that deal and he said well you didn't answer your phone so I took all the money but I did not get a receipt for them taking the $304 out of my checking account but the guy named John needs to be reprimanded he kept yelling and screaming at me over the phone and told me next time maybe I'll read all the papers before I sign them there's 12 pages to sign I had used CheckSmart before and this was not there procedure no one told me they change their laws and their procedures and that my percentage rate was going to be 356% on $300 they gave me a name of another company and said it was them I called that company back when they wouldn't let me pay it off and they said no that's a lie it's CheckSmart the one that's charging the very very high interest rate I just don't think they should have been allowed to take money out of my checking account without my approval I will never recommend CheckSmart User's recommendation: Very bad to do business with their employees are extremely rude.