XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00} 
