CashCall Inc

Please be advised that [redacted] loan is an unsecured installment loan that she obtained from a company called Western Sky Financial, LLC (“Western Sky”) and that is currently being serviced by CashCall, Inc. (“CashCall”).  Western Sky and CashCall are separate companies with separate...

ownership.  Our records indicate that [redacted] installment loan was originated and funded by Western Sky on July 24, 2012 in the amount of $1,000.00 which is the loan amount of $1,500.00 less the $500.00 Prepaid Finance Charge/Origination Fee.  As such, all questions regarding the origination and funding of [redacted] loan should be directed to Western Sky, at: P.O. Box 370, Timber Lake, South Dakota, 57656.  Upon review of the file sent to CashCall by Western Sky, the loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of [redacted] loan, and she further accepted this choice of law and jurisdiction by executing her loan document. These facts were explained to [redacted] when she applied and again when she signed her Consumer Loan Agreement (the “Note”). Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, [redacted] signed the Note on July 24, 2012 via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations. The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty.  On July 24, 2012, [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note.  [redacted] was provided with an amortization schedule prior to her loan funding, which disclosed exactly how much of her payment would go toward interest and principal throughout the term of the loan. Pursuant to [redacted] Note, her loan is amortized using the simple interest method of loan amortization. As such, she has been charged interest on her outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of her payment will go toward principal.  Additionally, [redacted] has the right to prepay her loan, in full or in part, without penalty. Any such principal prepayments would have directly reduced her outstanding balance and her maturity date.   On November 25, 2014, per the Notice of Transfer of the Servicing of Your Loan notification sent to [redacted] via email the owner transferred the servicing rights to CashCall.  As was the case with the prior servicer, CashCall is permitted to enforce the terms of the Note as the current loan servicer.   Please be advised that CashCall places collection calls to delinquent borrowers.  Collection call conversations are intended as a professional effort to collect a debt that has become delinquent. In reviewing records of the conversations at issue, we can confirm that our collectors acted in a professional manner at all times. CashCall follows both state and federal debt collection practice guidelines with respect to debt collections. Telephone contact attempts are only made between the hours of 8 a.m. and 9 p.m. local time in accordance with the Fair Debt Collection Practices Act (FDCPA) without exception, even though CashCall is not a debt collector as defined by the FDCPA. Furthermore, multiple call attempts may be made during the course of a day, but no more than one outbound contact is made per day. Nonetheless, on March 31, 2015, upon receipt of this complaint, CashCall ceased all verbal contact with [redacted] in accordance with state and federal guidelines and took steps to ensure all future correspondence will be made in writing only. In summary, the loan is valid and enforceable and has not been paid in full. According to our records, [redacted] entered into a modification agreement with the previous servicer and there is a balance of $137.00 remaining.  In an effort to resolve this matter, CashCall is willing to waive the remaining balance and mark account as settled.  Please allow 30-45 day for the credit bureaus to update their records.  Please have [redacted] contact the Dispute Resolution department at [redacted] if she has any additional questions.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I never contacted cash call about a loan.
Regards,
[redacted]

Please be advised Ms. [redacted]’s loan is an unsecured installment loan that was originated and funded by Western Sky Financial, LLC (“Western Sky”) on July 6, 2012, in the amount of $2,525.00, which is the loan amount of $2,600.00 minus the $75.00 Prepaid Finance Charge/Origination Fee. As such, all...

questions regarding the origination and funding of Ms. [redacted]’s loan should be directed to Western Sky, at: P.O. Box 370, Timber Lake, South Dakota, 57656. Upon receipt of this complaint, CashCall has sent Ms. [redacted] a validation of debt which included a copy of her loan Note that she signed on July 5, 2012 as well as a detailed payment history.  The loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of Ms. [redacted]’s loan, and she further accepted this choice of law and jurisdiction by executing her loan document. These facts were explained to Ms. [redacted] when she applied and again when she signed her Consumer Loan Agreement (the “Note”). Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, Ms. [redacted] signed the Note on July 5, 2012 via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations. The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty.  On July 6, 2012, Ms. [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note.  On November 19, 2014, per the Notice of Transfer of the Servicing of Loan notification sent to Ms. [redacted] via U.S. mail, the owner transferred the servicing rights to CashCall. As was the case with the prior servicer, CashCall is permitted to enforce the terms of the Note as the current loan servicer.  In summary, the loan is a valid and enforceable obligation and has not been paid in full. According to our records the last payment was received on October 15, 2015, and the account is current and next due for the November 2015 installment payment.  As of October 28, 2015, Ms. [redacted]’s payoff amount is $1,779.79.  However, in an effort to resolve this matter, CashCall is willing to settle Ms. [redacted]’s account for either one (1) lump sum payment of $500.00; or three (3) consecutive installment payments of $250.00, totaling $750.00.  Please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 by November 5, 2015, if she would like to accept either offer, or for further assistance with her account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Dear Sirs, The matter has been satisfactorily resolved with the company, Cash Call. They offered to settle with me for either a $1000 lump sum payment or 5 monthly payments of $250. When I called to make payments arrangements, the individual I spoke with said that they would close my account and consider the debt paid in full! Thank you so much for your assistance. With Regards,[redacted]

As previously stated, [redacted] April 2015 payment was returned unpaid due to a stop authorization initiated by [redacted]. The trace #[redacted] we received from [redacted] on May 14, 2015 confirmed that this transaction in question was indeed returned. Please have [redacted] contact the Dispute Resolution department at [redacted] if he would like to discuss this matter further.

Please be advised that Ms. [redacted]’s loan is an installment loan that was originated and funded by CashCall, Inc. (“CashCall”) on June6, 2012 in the amount of $2,525.00, which is the loan amount of $2,600.00 minus the $75.00 Prepaid Finance Charge/Origination Fee.CashCall holds a California Finance...

Lender License that was issued by the Department of Business Oversight (License No. 603-8780). This license grants CashCall an express exemption to the usury provisions contained in the California Constitution concerning interest rates for all loans of $2,500.00 or more. See California Financial Code Section 22002.Please be advised that all CashCall borrowers are instructed to read the Consumer Loan Agreement (the “Note”) in its entirety. Once they have done so, they are required to electronically sign or initial the Note in four different locations. The fourth of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note.According to our records, Ms. [redacted] signed the Note June 5, 2012, via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format, is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations. The Truth in Lending Act Disclosure Statement at the top of page one of Ms. [redacted]’s Note clearly displays the Annual Percentage rate (“APR”) and Total Finance Charge.  The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty. On June 6, 2012, Ms. [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note. Additionally, on June 6, 2012, a “Welcome Call” was placed to Ms. [redacted] in which a representative went over the terms of the loan with her, including the interest and repayment schedule. Ms. [redacted] gave no indication that she did not understand or did not agree to the terms of the loan.Ms. [redacted] was provided with an amortization schedule prior to her loan funding, which disclosed exactly how much of her payment would go toward interest and principal throughout the term of the loan. Pursuant to Ms. [redacted]’s Note, her loan is amortized using the simple interest method of loan amortization. As such, she has been charged interest on her outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of her payment will go toward principal.  Additionally, Ms. [redacted] has the right to prepay her loan, in full or in part, without penalty. Any such principal prepayments would have directly reduced her outstanding balance and her maturity date.  According to our records, Ms. [redacted] failed to make payments as agreed to this loan. The last payment was received on January 4, 2013. As such, Ms. [redacted]’s account was charged off on July 31, 2013 in the amount of $3,487.14 ($2,053.93 in principal, $1,358.18 in interest and $75.00 in fees).In summary, this debt is legal, valid, owing to CashCall, and has not been paid in full. We also have confirmed that Ms. [redacted]’s account balance is accurate and that we are reporting all credit information correctly for this loan. According to our records, the last payment was received on January 4, 2013 and the account has been charges off.  As of December 17, 2015, Ms. [redacted]’s payoff amount is $5,283.37.  Nonetheless, in an effort to resolve this matter, CashCall is willing to extend a new settlement offer to Ms. [redacted] with the same terms as previously offered: to settle her account for either (1) a lump sum payment of $1,437.77 or (2) six installment payments of $308.69, totaling $1,852.14.  Please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 by December 31, 2015 if she would like to accept either offer or for further assistance with her account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
I would except but I  do not want it to show as a settlement on my credit report. I want the finance charges removed to bring it to a balance of a 1,000 then I would agree. Let me know if this is possible.

As previously stated [redacted] has only made 2 of the 85 scheduled payments to this loan, totaling $889.45. The last payment was received on April 25, 2014. As such, [redacted] account was charged off on September 30, 2014 in the amount of $7,581.16 ($5,074.77 in principal, $2,431.39 in interest and $75.00 in fees). As of October 1, 2015, her payoff amount is $13,913.49 and the remaining principal balance on the account is $5,074.77.   Please have [redacted] contact the dispute resolution department to discuss this matter further.

[redacted] loan is an installment loan that was originated and funded by CashCall, Inc. on September 3, 2013, in the amount of $2,525.00 which is the loan amount of $2,600.00 minus the $75.00 Prepaid Finance Charge/Origination Fee. CashCall holds a California Finance Lender License that was...

issued by the Department of Business Oversight (License No. 603-8780). This license grants CashCall an express exemption to the usury provisions contained in the California Constitution concerning interest rates for all loans of $2,500.00 or more. See California Financial Code Section 22002. Please be advised that all CashCall borrowers are instructed to read the Consumer Loan Agreement (the “Note”) in its entirety. Once they have done so, they are required to electronically sign or initial the Note in four different locations. The fourth of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, [redacted] signed the Note on August 31, 2013, via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations.  The Truth in Lending Act Disclosure Statement clearly displays the Annual Percentage rate (“APR”) and Total Finance Charge. The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty.  On September 3, 2013 [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note.  Additionally, on October 1, 2013 a “Welcome Call” was placed to [redacted] in which a representative went over the terms of the loan with her, including the interest and repayment schedule. [redacted] gave no indication that she did not understand or did not agree to the terms of the loan.  [redacted] was provided with an amortization schedule prior to her loan funding, which disclosed exactly how much of her payment would go toward interest and principal throughout the term of the loan. Pursuant to [redacted] Note, her loan is amortized using the simple interest method of loan amortization. As such, she has been charged interest on her outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of her payment will go toward principal.  Additionally, [redacted] has the right to prepay her loan, in full or in part, without penalty. Any such principal prepayments would have directly reduced her outstanding balance and her maturity date.   In accordance with [redacted] executed Promissory Note, CashCall has the authority to withdraw payments and fees from her account and to resubmit payments that were returned by her bank. As stated in her Promissory Note, [redacted] has the right to cancel the EFT authorization by providing CashCall with written notice of such an election. CashCall has no record of such election from [redacted]. CashCall will consider this complaint the required written request and will cancel her EFT authorization. This in no way lessens [redacted] obligation to CashCall. In summary, this debt is legal and valid, and owing to CashCall, and has not been paid in full. We also have confirmed that [redacted] account balance is accurate and that we are reporting all credit information correctly for this loan. According to our records, the last payment on [redacted] account was received on June 1, 2015 and the account is current and due for the July 2015 installment. As of June 30, 2015, the payoff amount on this loan is $2,739.14. With that said, CashCall would like to work with [redacted] to resolve this matter.  Please have [redacted] contact the Dispute Resolution department at (714) 221-3300 if she would like to discuss possible repayment options.

Please be advised that [redacted] loan is an unsecured installment loan that she obtained from a company called [redacted] Financial, LLC (“[redacted]”) and that is currently being serviced by CashCall, Inc. (“CashCall”).  [redacted] and CashCall are separate companies with separate...

ownership.  Our records indicate that [redacted] installment loan was originated and funded by [redacted] on August 27, 2013 in the amount of $2,525.00 which is the loan amount of $2,600.00 less the $75.00 Prepaid Finance Charge/Origination Fee.  As such, all questions regarding the origination and funding of [redacted] loan should be directed to [redacted], at: [redacted].  The loan documents clearly indicate that the laws of the [redacted] apply exclusively to the terms and conditions of [redacted] loan, and she further accepted this choice of law and jurisdiction by executing her loan document. These facts were explained to [redacted] when she applied and again when she signed her Consumer Loan Agreement (“the Note”). Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, [redacted] signed the Note on August 27, 2013 via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations. The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty.  On August 27, 2013, [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note.  Additionally, on September 28, 2013 a “Welcome Call” was placed to [redacted] in which a representative went over the terms of the loan with her, including the interest and repayment schedule. [redacted] gave no indication that she did not understand or did not agree to the terms of the loan.  [redacted] was provided with an amortization schedule prior to her loan funding, which disclosed exactly how much of her payment would go toward interest and principal throughout the term of the loan. Pursuant to [redacted] Note, her loan is amortized using the simple interest method of loan amortization. As such, she has been charged interest on her outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of her payment will go toward principal.  Additionally, [redacted] has the right to prepay her loan, in full or in part, without penalty. Any such principal prepayments would have directly reduced her outstanding balance and her maturity date.   As [redacted] noted in her complaint, on September 16, 2013, per the Notice of Assignment, Sale or Transfer of Servicing Rights notification sent via email to [redacted] at the address she provided, the loan was sold and assigned to [redacted] (“Delbert Services”) for servicing.  On November 10, 2014, per the Notice of Transfer of the Servicing of Loan notification sent to [redacted] via email, the owner transferred the servicing rights to CashCall. As was the case with the prior servicer, CashCall is permitted to enforce the terms of the Note as the current loan servicer.   In summary, the loan is valid and enforceable and has not been paid in full. According to our records, [redacted] has made 22 of the 46 scheduled installment payments to this loan.  As of July 28, 2015 [redacted] payoff amount is $2,682.16.  However, in an effort to resolve this matter, CashCall is willing to settle [redacted] account for either one (1) lump sum payment of $1,000.00; or five (5) consecutive installment payments of $250.00, totaling $1,250.00.  Please have her contact the Dispute Resolution department at (714) 221-3300 by August 5, 2015 if she would like to accept either offer, or for further assistance with her account.

As previously stated, on November 10, 2014 per the Notice of Transfer of the Servicing of Loan notification sent to Ms. [redacted] via email, the owner transferred the servicing rights to CashCall.  As was the case with the prior servicer, CashCall is permitted to enforce the terms of the Note as the current loan servicer. 
 
Additionally, on January 5, 2015, CashCall sent Ms. [redacted] a validation of debt letter which included a detailed payment transaction history and a copy of her original Loan Agreement (the “Note”), for her records.  Please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 if she would like to discuss further.

Please be advised that [redacted] loan is an unsecured installment loan that he obtained from a company called Western [redacted] (“[redacted]”) and that is currently being serviced by CashCall, Inc. (“CashCall”).  [redacted] and CashCall are separate companies with separate...

ownership.  Our records indicate that [redacted] installment loan was originated and funded by [redacted] on March 27, 2013 in the amount of $2,525.00 which is the loan amount of $2,525.00 less the $75.00 Prepaid Finance Charge/Origination Fee.  As such, all questions regarding the origination and funding of [redacted] loan should be directed to [redacted], at: P.O. Box 370, Timber Lake, South Dakota, 57656.  Upon review of the file sent to CashCall by [redacted], the loan documents clearly indicate that the laws of the [redacted] apply exclusively to the terms and conditions of [redacted] loan, and he further accepted this choice of law and jurisdiction by executing his loan document. These facts were explained to [redacted] when he applied and again when he signed his Consumer Loan Agreement (the “Note”).  Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, [redacted] signed the Note on March 27, 2013 via electronic signature, indicating that he did indeed understand the terms and conditions of the Note. This Note, in its original format is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations.  The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty.  On March 27, 2013, [redacted] was also sent a settlement statement via electronic mail to the address he supplied, confirming the terms and conditions of the Note. [redacted] was provided with an amortization schedule prior to his loan funding, which disclosed exactly how much of his payment would go toward interest and principal throughout the term of the loan. Pursuant to [redacted] Note, his loan is amortized using the simple interest method of loan amortization. As such, he has been charged interest on his outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of his payment will go toward principal.  Additionally, [redacted] has the right to prepay his loan, in full or in part, without penalty. Any such principal prepayments would have directly reduced his outstanding balance and his maturity date.   On November 25, 2014, per the Notice of Transfer of the Servicing of Your Loan notification sent to [redacted] via email, the owner transferred the servicing rights to CashCall. CashCall is permitted to enforce the terms of the Note as the current loan servicer.   In accordance with [redacted] executed Promissory Note, CashCall has the authority to withdraw payments and fees from his account and to resubmit payments that were returned by his bank.  Our records indicate [redacted] May, June and July 2014 payments were made late.  Additionally, [redacted] bank returned his June and July 2014 payments as non-sufficient funds (NSF). As such, fees were assessed to [redacted] loan accordingly.  On March 18, 2015, [redacted] was notified that CashCall would be debiting his bank account in the amount of $50.00 for the outstanding fees owed.  Please be advised that [redacted] still has a balance of $37.00 in fees owed.  In summary, the loan is valid and enforceable and has not been paid in full. According to our records, [redacted] has 24 remaining scheduled payments to this account.  The last payment was received on April 15, 2015, and the account is current. The next payment is due for the May 2015 installment payment.  As of May 7, 2015, [redacted] payoff amount is $2,751.74. Nonetheless, if [redacted] is experiencing financial difficulty, CashCall is willing to work with him and discuss payment options available for his account. Please have [redacted] contact the Dispute Resolution department at (714) 221-3300 if he would like to discuss possible assistance options or for further assistance with his account.

[redacted] loan is an unsecured installment loan that she obtained from a company called [redacted] Financial, LLC (“[redacted]”) and that was being serviced by CashCall, Inc. (“CashCall”).  [redacted] and CashCall are separate companies with separate ownership.  Please be advised...

that CashCall has made not made any attempt to calls to [redacted] nor had any contact with [redacted] since January 23, 2014.  To the extent that [redacted] received calls that were threatening or harassing in any manner, CashCall has confirmed that these calls did not originate from CashCall or its employees, and it appears that he may have been contacted by someone unrelated and unaffiliated with CashCall in any manner and may be the victim of a collection scam. According to our records, [redacted] has failed to make payments as agreed to this loan. As such, [redacted] account was charged off on November 30, 2012 in the amount of $1,352.36 ($818.99 in principal, $330.37 in interest and $203.00 in fees). Additionally, CashCall submitted a request to the credit bureaus to remove any reference of [redacted] current account with CashCall from her credit report.  Please have [redacted] contact the Dispute Resolution Department at [redacted] if she has any further questions or would like additional assistance with her account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.I want to thank all who made this resolution possible.  There are no more phone calls and my credit is restored.   Thank God for his mercy and blessings!
Regards,
[redacted]

CashCall would like to sincerely apologize if Mr. [redacted] was dissatisfied with the application and approval process and for any inconvenience he has experienced.  Our records indicate that Mr. [redacted] submitted an application for an unsecured...

installment loan with CashCall on December 5, 2014.    All loan applications are subject to additional review and verification upon receipt of the required supporting documentation.  Unfortunately, based on the current underwriting guidelines Mr. [redacted] does not qualify for a loan at this time. Accordingly, on December 5, 2014, per all applicable laws and regulations, CashCall sent Mr. [redacted] an adverse action letter. If Mr. [redacted] would like a specific reason as to why his application is denied he can follow the instructions in the adverse action letter. Please have Mr. [redacted] contact the Dispute Resolution Department at (714) 221-3300 if he has any further questions.

Please be advised that Ms. [redacted]’s loan is an unsecured installment loan that she obtained from a company called Western Sky Financial, LLC (“Western Sky”) and that is currently being serviced by CashCall, Inc. (“CashCall”).  Western Sky and CashCall are separate companies with separate...

ownership.
 
Our records indicate that Ms. [redacted]’s installment loan was originated and funded by Western Sky on August 5, 2013 in the amount of $2,525.00 which is the loan amount of $2,600.00 less the $75.00 Prepaid Finance Charge/Origination Fee.  As such, all questions regarding the origination and funding of Ms. [redacted]’s loan should be directed to Western Sky, at: P.O. Box 370, Timber Lake, South Dakota, 57656.
 
The loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of Ms. [redacted]’s loan, and she further accepted this choice of law and jurisdiction by executing her loan document. These facts were explained to Ms. [redacted] when she applied and again when she signed her Consumer Loan Agreement (“the Note”).
 
Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, Ms. [redacted] signed the Note on August 3, 2013 via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations.
 
The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty.
 
On August 5, 2013, Ms. [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note. Additionally, on August 5, 2013 a “Welcome Call” was placed to Ms. [redacted] in which a representative went over the terms of the loan with her, including the interest and repayment schedule. Ms. [redacted] gave no indication that she did not understand or did not agree to the terms of the loan.
 
Ms. [redacted] was provided with an amortization schedule prior to her loan funding, which disclosed exactly how much of her payment would go toward interest and principal throughout the term of the loan. Pursuant to Ms. [redacted]’s Note, her loan is amortized using the simple interest method of loan amortization. As such, she has been charged interest on her outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of her payment will go toward principal.  Additionally, Ms. [redacted] has the right to prepay her loan, in full or in part, without penalty. Any such principal prepayments would have directly reduced her outstanding balance and her maturity date. 
 
On November 10, 2014, per the Notice of Transfer of the Servicing of Loan notification sent to Ms. [redacted] via email, the owner transferred the servicing rights to CashCall. As was the case with the prior servicer, CashCall is permitted to enforce the terms of the Note as the current loan servicer. 
 
Please be advised that CashCall places collection calls to delinquent borrowers.  Collection call conversations are intended as a professional effort to collect a debt that has become delinquent. In reviewing records of the conversations at issue, we can confirm that our collectors acted in a professional manner at all times. CashCall follows both state and federal debt collection practice guidelines with respect to debt collections. Telephone contact attempts are only made between the hours of 8 a.m. and 9 p.m. local time in accordance with the Fair Debt Collection Practices Act (FDCPA) without exception, even though CashCall is not a debt collector as defined by the FDCPA. Furthermore, multiple call attempts may be made during the course of a day, but no more than one outbound contact is made per day. Nonetheless, on March 31, 2015, upon receipt of Ms. [redacted]’s written request, CashCall ceased all verbal contact with Ms. [redacted] in accordance with state and federal guidelines and took steps to ensure all future correspondence will be made in writing only.
 
In summary, the loan is valid and enforceable and has not been paid in full. According to our records, Ms. [redacted] has made 17 of the 48 scheduled payments on this loan.  The last payment was received on January 1, 2015 and the account is delinquent. As of April 9, 2015, Ms. [redacted]’s payoff amount is $3,530.28.  Nonetheless, CashCall would like to work with Ms. [redacted] to resolve this matter. Please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 if she would like to discuss possible assistance options or for further assistance with her account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I called the business (Cash Call, Inc.,) on April 26th, 2016 and spoke with one of the representatives, the situation did not go anywhere better since she constantly repeated that I acknowledged the term and accepted the loan. I told her that I did not say that I refused the loan. I just thought that the total amount had been paid ($6,478.12) was more than enough to help me out by adjusting the term. She kept arguing and finally, she transferred my call to someone else. This time I spoke with the gentleman name [redacted]. He modified my term down to 45% interest on the amount own which mean I still have to pay $3,873.74 more. In conclusion, the loan of $2,600 which I received $2,525 turned into $10,351.86. This is the unacceptable amount of payment that they took and will continue to take from everyone who poor and need emergency cash like me.I have forced to take the modification since they gave me only three days to sign the agreement. I do not know if you can help me more on this matter or not. I hope they can drop the entire loan since I had paid ($6,478.12) as I asked the first representative the paid amount of $6,478.12 had not satisfied your company so they can clear my term. She replied back to me "no". You have to pay according to your term and the amount has to be $14,400 in the amount of $2,600 loan. Outrageous!
Regards,
[redacted]

Please be advised that Ms. [redacted]s loan is an unsecured installment loan that she obtained from a company called [redacted] Financial, LLC (“[redacted]”) and that is currently being serviced by CashCall, Inc. (“CashCall”).  [redacted] and CashCall are separate companies with separate...

ownership. Our records indicate that Ms. [redacted]s installment loan was originated and funded by [redacted] on June 10, 2013 in the amount of $2,525.00 which is the loan amount of $2,600.00 less the $75.00 Prepaid Finance Charge/Origination Fee.  As such, all questions regarding the origination and funding of Ms. [redacted]s loan should be directed to [redacted]  On November 19, 2014 per the Notice of Transfer of the Servicing of Your Loan notification sent to Ms. [redacted] via email, the owner transferred the servicing rights to CashCall.  As was the case with the prior servicer, CashCall is permitted to enforce the terms of the Note as the current loan servicer.   Please be advised that CashCall places collection calls to delinquent borrowers.  Collection call conversations are intended as a professional effort to collect a debt that has become delinquent. In reviewing records of the conversations at issue, we can confirm that our collectors acted in a professional manner at all times. CashCall follows both state and federal debt collection practice guidelines with respect to debt collections. Telephone contact attempts are only made between the hours of 8 a.m. and 9 p.m. local time in accordance with the Fair Debt Collection Practices Act (FDCPA) without exception, even though CashCall is not a debt collector as defined by the FDCPA. Furthermore, multiple call attempts may be made during the course of a day, but no more than one outbound contact is made per day. Nonetheless, on January 13, 2015, upon receipt of Ms. [redacted]s written request, CashCall ceased all verbal contact with Ms. [redacted] in accordance with state and federal guidelines and took steps to ensure all future correspondence will be made in writing only. In summary, the loan is valid and enforceable and has not been paid in full. According to our records, Ms. [redacted] entered into a modification agreement with the previous servicer which reduced her interest rate and subsequently reduced her monthly installment payments.  However, Ms. [redacted] has failed to make payments as agreed and her account is now delinquent.  As of January 26, 2015, Ms. [redacted]s payoff amount is $2,884.49.  Nonetheless, CashCall is willing to work with Ms. [redacted] to discuss alternative payment options if she is experiencing financial difficulty. Please have her contact the Dispute Resolution department at (714) 221-3300 if she would like to discuss options available for her account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

Mr. [redacted]’ loan is an unsecured installment loan that he obtained from a company called Western Sky Financial, LLC (“Western Sky”) and that is currently being serviced by CashCall, Inc. (“CashCall”).  Western Sky and CashCall are separate companies with separate ownership.
 
Please be...

advised that in an effort to resolve this matter, CashCall has elected to waive the remaining balance on Mr. [redacted]’ loan and will mark the account as paid. Additionally, CashCall has removed any reference to Mr. [redacted]’s current account from his credit records.  Please allow the credit bureaus 30 – 45 days to update their records.
 
Please have Mr. [redacted]’s contact the Dispute Resolution department at (714) [redacted] if he has any further questions or would like additional assistance with this matter.