Allegro Credit Allwell.com Provided loan that was supposed to be 12 months same-as-cash, but charged interest when I tried to payoff at 6 months Burlingame California

I created a same-as-cash loan through my audiologist to Allegro Credit. I made regular monthly payments, and then at the 6 month mark, I requested a payoff amount. They refused to refund the interest amounts for these six months.

Allegro Credit claimed the audiologist created the loan incorrectly. After many contact attempts and phone calls (Ruby Myint, & Bianca) , I still cannot get this problem resolved. First, Ruby tried to create a second loan correctly with the Audilogist, with the correct payoff amount. When I went to pay off the second, corrected loan, I was restricted from making the payoff payment.

The original loan was never closed out. With two loans outstanding, I demanded resolution. I called daily to get action on this condition from 24 June 2019 through 5 July 2019.  Latest person to offer help from Allegro is Alicia Stevens. Still waiting on a resolution, which has now taken over a month (second loan was created on 13 June 2019).

Their contract states in section E: "Refunds- you may pay the total unpaid balance on this contract at any time. If you prepay this contract in full, you will be entitled to a refund of the unearned Finance Charges. Your refund, if any, will be less a minimum Finance Charge of $5.

You will not get a refund if the amount is less than $1, except as otherwise required by applicable law."  The intent is still there- pay the balance in full before the end of the term to receive a refund of all finance charges, minus a $5 fee.