AmeriCash Loans, LLC

Initial Business Response / [redacted] (1000, 5, 2015/06/16) */ Contact Name and Title: [redacted] CEO Contact Phone: XXXXXXXXXX Contact Email: [redacted] @americashloans.net The customer was issued a loan on December 30, and defaulted after making only of scheduled payments in March Multiple attempts were made throughout to reach the customer to no availPlease note ownership of the company has not changed, only the name under which the company operates, and that change was not made until November 2014, eight months after the customer had defaultedWe regret that the customer is currently experiencing hardship and encourage him to contact our collections department at XXX-XXX-XXXX to create a payment arrangement more conducive to his current financial position or arrange for settlement on his accountThank you

Initial Business Response / [redacted] (1000, 10, 2015/07/30) */ Contact Name and Title: [redacted] CEO Contact Phone: Contact Email: [redacted] @americashloans.net The customer account has been updated to reflect the BK status and a wage release sent to the employerThank you for your involvement

Initial Business Response /* (1000, 5, 2015/06/10) */
Contact Name and Title: *** *** CEO
Contact Phone: XXXXXXXXXX
Contact Email: ***@americashloans.net
The customer was issued a loan in November for which she agreed to make a total of payments of $5,in the form of
biweekly paymentsUnfortunately, she defaulted in December after making only three of the scheduled paymentsNo additional payments were received until March 2015, when her wages were garnishedThe terms of the loan, including the APR, Finance Charge and Total of Payments were clearly and accurately disclosed in her loan agreementThe interest on her loan was frozen as of the maturity date of the loan, however, a balance of $3,remains due at this timeWe regret that she is no longer satisfied with the terms of the loan and encourage her to contact our collections department at XXX-XXX-XXXX to further discuss settlement options

We are in receipt of the complaint filed with your office and appreciate the opportunity to respond. Mr*** received an online loan on June 26, 2017. Unfortunately, he defaulted on the June loan in July and a voluntary wage assignment was placed on this account.
However, Mr*** contacted our customer service department on July 28, 2017, stating that he was not working and no funds would be available until October to be able to start a payoff of the June loan. To date, the June loan account has not yet been in full and is past due. We encourage Mr*** to contact our collections department at *** to further discuss settlement options. Thank you for your involvement

Initial Business Response /* (1000, 5, 2015/06/16) */
Contact Name and Title: [redacted] CEO
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@americashloans.net
The customer was issued a loan on December 30, 2013 and defaulted after making only 5 of 26 scheduled payments in March 2014. ...

Multiple attempts were made throughout 2014 to reach the customer to no avail. Please note ownership of the company has not changed, only the name under which the company operates, and that change was not made until November 2014, eight months after the customer had defaulted. We regret that the customer is currently experiencing hardship and encourage him to contact our collections department at XXX-XXX-XXXX to create a payment arrangement more conducive to his current financial position or arrange for settlement on his account. Thank you.

Initial Business Response /* (1000, 5, 2015/09/03) */
Contact Name and Title: Jill [redacted] CEO
Contact Phone:[redacted]
Contact Email: [redacted]@americashloans.net
The matter has been addressed and resolved directly with the customer. Thank you for your involvement.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Initial Business Response /* (1000, 10, 2015/07/30) */
Contact Name and Title: [redacted] CEO
Contact Phone: 888.907.4227
Contact Email: [redacted]@americashloans.net
The customer account has been updated to reflect the BK status and a wage release sent to the employer. Thank you for your...

involvement.

Initial Business Response /* (1000, 5, 2015/06/24) */
Contact Name and Title: [redacted] CEO
Contact Phone: [redacted]
Contact Email: [redacted]@americashloans.net
We are in receipt of the complaint received by your office and appreciate the opportunity to respond. The bank account referenced...

in the complaint was not closed as alleged by the customer and the refund was deposited to the bank account on file on June 12, 2015. We regret any inconvenience the deposit to her bank account rather than a paper check has caused the customer and, in an effort to work with the customer, will agree to waive the $75 fees balance remaining on her account with AmeriCash. Thank you for your involvement.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The information is incorrect about the account not being closed when thw refund was sent. That was confirmed when I originally called in and it was confirmed today when I spoke with Lori from Americash and conferenced her in with the bank. I dont appreciate being made out to be a liar. The bank confirmed the funds were rejected and sent back to wells fargo 6-12. The rep was given the reference # also. I don't appreciate going through all of this because no one has accepted responsibility for their mistake. How do you respond to a complaint without having all of your facts together? Again trying to blame the customer instead of holding each one the reps accountable and at this point Lori is included as well. I don't appreciate when she called me she had a nonchalant, its whatever attitude. Once all of the info was confirmed with the bank that account had been closed since 2014 and the funds were rejected is when she changed her attitude towards me and the situation. I could care less about the 75 being waived, I want my refund 209 and I expect to have it by this weekend. This is the worst customer service I have ever experienced and everyone needs to be retrained.
Final Consumer Response /* (4200, 11, 2015/06/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm disgusted that Ms. [redacted] being the CEO would imply that I misrepresented the status of my checking account. I'm also disgusted at the fact that you or your reps haven't apologized for your negligence. When I was on the phone with your rep Lori 6/26 and the bank ot was advised the account had been closed sinxe 11/2014 as it was advised to her before on a call with the bank. The representative from the bank stated the account had been closed however because I owed them money any funds that comes in to deposit is looked at as voluntary funds and applied to the balance. Again the refund should have never been sent to that account because your company was advised well before the refund was sent that the checking account was closed. And I was reassured that I would be mailed out a check. Pull and review all of your calls. Your company basically has admitted to fault in a sense due to waiving the $75 balance that I still owed with you. I could care less about that. But tell me why was that waived if your company didnt drop the ball? In the previous answer to this complaint if you read it, it will state that you waived and why. As the CEO of the company I would have expected for you to do your due diligence and look into the matter and research the issue and just not respond to a complaint and accuse me of misrepresenting myself or the stautus of my checking account. Again your company dropped the ball and sent my refund to an account that it shouldnt have been sent to and I expect you as the CEO to make good on this. If you would like I can conference you in with my bank so the representative can advise you the same information that was given to myself and Lori on 6/26. My balance that I owed with my bank has nothing to do with Americash and should have NEVER been sent to that account. Again pull the calls and review them starting when I called in 5/27/2015. I will not contact the bank for your MESS up. It seems to me that you would eat the loss because of your mistake and send to me whats rightfully mine. Your company shouldn't have taken out more than they should have in the first place.
Final Business Response /* (4000, 9, 2015/06/30) */
Contact Name and Title: [redacted] CEO
Contact Phone: [redacted]
Contact Email: [redacted]@americashloans.net
Contrary to the customer's allegations, the deposit was successfully made to her bank account, which her bank has confirmed. As previously stated to the customer, had the account been closed as the customer insists, the funds would have been returned by the bank and a paper check issued. Unfortunately, the customer misrepresented the status of the account as closed resulting in the funds being successfully deposited to the account and therefore no paper check issued. The customer is encouraged to reach out to her bank regarding any misrepresentations made regarding the deposit or if she has been denied access to these funds for any reason. We regret the customer continues to be dissatisfied with the service received and that we could not reach a mutually satisfactory result.