CashCall Inc

Please be advised that [redacted] loan is an unsecured installment loan that she obtained from a company called [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] February 21, 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].  As [redacted] noted in her complaint, on August 25, 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] (“[redacted]”) for servicing.  On November 28, 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.   According to CashCall’s records, [redacted] entered into a settlement agreement wherein [redacted] agreed to make one (1) installment payment of $100.00 on March 28, 2014, and twelve (12) consecutive installment payments of $250.00 beginning April 2014, with the last installment due on or before April 30, 2015. Pursuant to the settlement agreement, [redacted] made her March 2014 through December 2014 installment payments, and a partial payment in January 2015, but failed to make any further payments. As explained to Ms. Tindall upon entering the settlement agreement, should Ms. Tindall default on any one of the installment payments by the last day of the month, the terms and payment schedule as outlined in her loan Note will be reinstated.  As such, the loan was charged off for nonpayment on January 31, 2015, in the amount of $4,325.69 ($2,531.20 in principal, $1,359.49 in interest, and $435 in fees).   In summary, [redacted] loan has not been paid in full per the terms of the settlement agreement. However, CashCall is willing to assist [redacted] in making arrangements to satisfy the outstanding amount owed on the Note. With that, CashCall strongly suggests that [redacted] contact the Dispute Resolution department at [redacted] by February 28, 2015, in order to discuss available repayment options.

Ms. [redacted]’s loan is an installment loan that was originated and funded by CashCall, Inc. on May 25, 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. [redacted]). 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 on May 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 Truth in Lending Act Disclosure Statement at the top of page one of Ms. [redacted]’s Note clearly displays the Annual Percentage rate 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 May 25, 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 7, 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.  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. CashCall has no record of receiving a written request to cease calls prior to this complaint. Nonetheless, on November 6, 2015, upon receipt of this complaint, CashCall ceased all calls and emails to Ms. [redacted] in accordance with state and federal guidelines, and took steps to ensure all future contact will be made by mail 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 in on March 20, 2014 which reduced her interest rate and subsequently reduced her monthly installment payment amount. As of November 9, 2015, Ms. [redacted]’s payoff amount is $2,677.42 and she has twenty-seven (27) installment payments remaining.  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) [redacted] for further assistance with her account.

Mr. [redacted]’s loan is not a payday or deferred deposit loan.  It is an unsecured installment loan that was originated and funded by from a company called Western Sky Financial, LLC (“Western Sky”) on February 8, 2013 in the amount of $1,000.00 which is the loan amount of...

$1,500.00 less the $75.00 Prepaid Finance Charge/Origination Fee. On February 19, 2013, per the Notice of Assignment, Sale or Transfer of Servicing Rights e-mail that was sent to the address provided by Mr. [redacted], Mr. [redacted]’s loan was sold and was being serviced by CashCall.  
 
Per Mr. [redacted]’s request, a letter was sent to him on October 18, 2014, and included a detailed payment transaction history and a copy of his original Loan Agreement (the “Note”), which served as proper validation of this debt.
 
CashCall’s records indicate that Mr. [redacted] made only one payment to this loan. Subsequently, Mr. [redacted]’s account was charged off due to non-payment, on August 31, 2013, in the amount of $2,564.47 ($1,500.00 in principal, $914.47 interest, and $145.00 in fees), and assigned to Delbert Services Corporation (“Delbert Services”) for collection. Accordingly, please have Mr. [redacted] direct all future correspondence and inquiries to Delbert Services at:
 
Delbert Services Corporation
P.O. Box 4730
Anaheim, CA 92803
(855) 388-3764
 
 
In summary, this loan is valid and enforceable and CashCall has confirmed that it is accurately reporting all credit information for this loan to the credit reporting agencies, per all applicable laws and regulations. According to CashCall’s records, Mr. [redacted]’s account was charged off on August 31, 2013 and subsequently assigned to Delbert Services for collection.  Please have Mr. [redacted] contact the Dispute Resolution department at (714) 221-3300 if he has any further questions of CashCall. Otherwise, please have Mr. [redacted] contact Delbert Services Corporation at (855) 388-3764 for assistance.

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.
As the principal has already been paid, I do not understand why I should have to pay for it a second time.  I have attachments that show the final payment being $155.00, then a zero balance.  When I contacted Cash Call ([redacted]) when it was $155, I was first told that was the final payment (also confirmed online) but a second person said I either owed $400 or $500.  If Cash Call would like to settle this for the $400 or $500, of which they never really told me just how much was left, I will work with them on that, however, I refuse to pay the principal again after it has already been satisfied.  I am asking Cash Call to be ethical in this matter.  If I'm late on anything, it's due to their negligence and refusal to tell me exactly what I owe, which I still feel is nothing.  Again, if Cash Call can tell me the exact amount left (in the $400-$500 range), I'll make quick arrangements to settle this.  
Regards,
[redacted]

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.
1. Western Sky is no longer in business and can not be reached. Western Sky Financial asserted state laws did not apply to its business because it was based on an Indian Reservation and owned by a member of the Cheyenne River Sioux Tribe. But this relationship with a tribe does not exempt Western Sky from having to comply with state laws when it makes loans over the internet to consumers in various states. These type of lenders and servicers are engaging in unfair, deceptive and or abusive ways.2. Contract is null and void as the loan was taken off that protected land.3. I have paid back well over the principal amount which I borrowed( $ 2600.-), in total pd.$ 4680.  I do not owe any more money!
Regards,
[redacted]

According to our records, on October 9, 2013 Mr. [redacted] completed an online application for an installment loan with CashCall, Inc. (“CashCall”). Mr. [redacted] was approved for the $2,600.00 loan product and decided to take out the loan. Mr. [redacted]’s loan was originated and funded by CashCall on...

October 21, 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. 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, Mr. [redacted] signed the Note on October 19, 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 Truth in Lending Act Disclosure Statement at the top of page one clearly displays the Annual Percentage rate 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.  Mr. [redacted] was provided with an amortization schedule, which disclosed exactly how much of his payment would go toward interest and principal throughout the term of the loan. Pursuant to Mr. [redacted]’s 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, Mr. [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 October 21, 2013, Mr. [redacted] was also sent a settlement statement via electronic mail to the address he provided, confirming the terms and conditions of the Note. Additionally, on October 31, 2013, a “Welcome Call” was placed to Mr. [redacted] in which a representative went over the terms of the loan with him, including the interest rate and repayment schedule. Mr. [redacted] gave no indication that he did not understand or did not agree to the terms of the loan.  Mr. [redacted] stated that his first payment of $1,100 only went towards the interest and not the actual loan amount, which is inaccurate. In fact, after the interest was paid more than half of the first payment was applied to the principal balance. Further, CashCall’s records indicate that Mr. [redacted] failed to make the remaining payments as agreed to on this account. Subsequently, the account was charged off on May 31, 2015 in the amount of $1,865.65 ($1,330.19 in principal, $415.46 in interest, and $120.00 in fees). The last payment was received on September 4, 2015. It was then sold to CCI Acquisitions, LLC on November 17, 2015.  As such, all future inquiries regarding this account should be directed to: CCI Acquisitions, LLC2124 NE 123rd St. Suite 206North Miami, FL 33181(305) 851-6066 CashCall has not made any attempt to contact Mr. [redacted] in any manner after his account was sold in November 2015. In summary, CashCall no longer owns or services this loan. According to CashCall’s records, Mr. [redacted] failed to make payments as agreed, and his account was charged off on May 31, 2015, and subsequently sold.  Please have Mr. [redacted] contact the current owner of the account, CCI Acquisitions, LLC for inquiries on his account.  With that said, please have Mr. [redacted] contact the Dispute Resolution department at (714) 221-3300 if he has any further questions of CashCall regarding this matter.

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.
Apparently the person who responded to my complaint didn't fully dissect the information that I gave them. I fully understand the terms of my loan with this company. I acted within the scope of their so-called policies for repayment. And did in fact have several conversations with people in their office. I HAVE been contacted by the illusive [redacted] whom I originally communicated with when all of the malfunction occurred on Cashcalls end. [redacted] contacted me several weeks ago, and I again went over all of what we had discussed. He then asked that I give him permission to contact me regarding this matter. I never heard from him again. So, as I told [redacted] when we last spoke on 2/4/15 at 10:28 am. From this point forward I will only communicate with him since no other person seems to know what is going on with my account.For the record, on 3/2014 I contacted someone from the cashcall office and inquired about how best to repay my loan. She explained to me that if I would like to make a principle only payment I would have to make it at the same date as the interest ACH is being applied to my account so that all of the PRINCIPLE ONLY payment is fully applied. After that daily interest would be deducted first and the remaining balance then would be applied to the principle. I did nothing but pay my INTEREST ONLY payments for the next several months. 10/2014, I contacted the Cashcall office to set up a $300.00 PRINCIPLE payment above and beyond my interest payment of $388.40. The following week I checked the status of my account and found the they DID NOT properly credit my account. And it wasn't until I insisted that I speak to a supervisor that I was connected with [redacted]. He fixed the ERROR, properly credited my account, and even made a follow up call to make sure the problem was fixed. By that time 10/27/14 I received a payment reminder for 11/14 payment of $88.40. At that time while on the phone with [redacted] I set up a PRINCIPLE ONLY ACH of $400.00 to come out of my account on 11/1/14. [redacted] then sent me an email reminding me about the arrangement. 
Regards,
[redacted]

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. Thank you.
Regards,
[redacted]

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 June 17, 2013. 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 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 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 June 5, 2013, via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. On June 17, 2013, Ms. [redacted] was also sent a settlement statement via electronic mail to the address she provided, confirming the terms and conditions of the Note. Additionally, on June 17, 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 rate 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 also 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 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 her payment will go toward principal.  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] has taken advantage of this option, and has significantly paid down her loan with prepayments, subsequently reducing her overall loan term from 85 months to only 18 months.  According to our records, Ms. [redacted] has only 4 installment payments remaining on the Note.    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 as a matter of course, CashCall places collection calls to delinquent borrowers. Those telephone conversations are never intended to be anything other than 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.  Please be advised that CashCall will consider this complaint the necessary formal written request and has ceased all verbal contact with Ms. [redacted] in accordance with state and federal guidelines. We have taken steps to ensure that all future correspondence will be in writing only.   In summary, the loan is valid and enforceable and has not been paid in full. According to our records, the last payment was received on November 3, 2014, and the account is delinquent. As of January 2, 2015, Ms. [redacted] payoff amount is $945.18.  Nonetheless, if Ms. [redacted] is experiencing financial difficulty, CashCall is willing to work with her and discuss payment options available for her account. Please have her contact the Dispute Resolution department at (714) 221-3300 if she would like to discuss further.

Please be advised that CashCall is willing to settle Ms. [redacted] account for one lump sum payment of $1,000.00. Additionally, CashCall will remove any reference of Ms. [redacted] account from her credit report.  Please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 by August 15, 2015 to set up payment arrangements or for further assistance with this matter.

Ms. [redacted]’s loan is not a payday or deferred deposit loan.  It is an unsecured installment loan that was originated and funded by a company called Western Sky Financial, LLC (“Western Sky”) on April 8, 2013 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. Please note that Western Sky, Delbert Services Corporation (“Delbert Services”) and CashCall are each separate companies.
 
On April 16, 2013, per the Notice of Assignment, Sale or Transfer of Servicing Rights e-mail that was sent to the address provided by Ms. [redacted], Ms. [redacted]’s loan was sold and was being serviced by CashCall.  
 
With that said, CashCall no longer services this loan. Per the Notice of Assignment, Sale or Transfer of Servicing Rights e-mail sent to Ms. [redacted] on August 25, 2013 this loan was sold and the purchaser assigned the servicing of the loan to Delbert Services Corporation (“Delbert Services”).
 
Please direct all future correspondence intended for Delbert Services to:
 
Delbert Services Corporation
P.O. Box 4730
Anaheim, CA 92803
(855) 388-3764
In summary, this loan is valid and CashCall has confirmed that it is accurately reporting all credit information for this loan to the credit reporting agencies, per all applicable laws and regulations.  Additionally, CashCall no longer services this loan.  Please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 if she has any further questions of CashCall. Otherwise, please have Ms. [redacted] contact Delbert Services Corporation directly at (855) 388-3764.

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
The
current date is October 25, 2014. This
reply is in regards to my complaint against Cash Call dated 10/17/The
assigned ID# is [redacted]
I
had recently pulled my credit report since I had not looked at it for a
while. I noticed that there was a
company on my report by the name of Cash Call reporting a collections for
$1500. At the time of this discovery I
did not know what this company was. I looked
up the company name on Google. I
discovered many sites reporting reviews for Cash Call. There was nothing but scam after scam and
nothing but negative comments about this company to include legal suits against
Cash CallI looked it up on the Revdex.com (Revdex.com) to make sure it
was a legal businessUnder the Revdex.com site it says that Cash Call is not
accredited with the Revdex.com. Also there is a
listing of many lawsuits against Cash Call from the states attorney generals
etcFor example: Cash Call purchased, serviced, and
collected consumer-installment loans that state laws rendered void or
limited the consumer's obligation to repayAs a result, Defendants took
money from consumers that those consumers did not owe and typically could
ill-afford to loseIt is alleged that CashCall used Western Sky to fund and
service the loans, and Western Sky was claimed to be part of an Indian Tribe
which would essential void any licensing requirements and other consumer
protectionsThe CFPB alleges however, that Western Sky was not in fact part of
an Indian Tribe and was actually just a front to allow CashCall to violate
state and federal laws
Also,
under the consumer affairs web site there is at least or more complaints,
negative reviews, rip off reports and tons of pissed off consumers for wrong
doing by Cash Call Even the CNBC site
reports Cash Call as a scamThere is much more online as well
Ok
with that said, after discovering that Cash Call is associated one way or
another with Western Sky Financial I remembered that as of January my
bankruptcy was officially discharged. In
trying to rebuild my credit I was looking for a loan I could pay off and up my
credit score. Unfortunately, as it turns
out, I came across Western Sky Financial.
I came across them through a Google search for loans. At the time I had no education or knowledge
of payday loans, installment loans etc from Tribal Companies. They approved me for $1000. They did end up taking one payment from my
bank account. Then about a month or later
the company by the name of Payless Financial contacted me about payday loans
etc. They informed me that payday loans
etc from Western Sky and other companies in fact could be illegal. I hired this company not knowing my legal
rights. Payless Financial contacts
companies to validate the loans etc Payless Financial informed me to close my bank
account and that the loan from Western Sky was not legal and told me that I did
not have to pay it back and should not pay it back. Therefore I followed their advice. I came to understand that since Western Sky
and Cash Call are not licensed in the state of Montana regardless if they are online
that the loan was in fact an illegal contract.
Also the loan with Western Sky was extremely high interest plus $
origination fees. In the state of
Montana any loan over 36% is in fact deemed illegal, therefore null and void
If
the situation on my credit report is not removed by Cash Call I will have no
choice but to contact my Attorney General, Consumer Protection Agency, Division
of Banking and Finance, and because I am a disabled veteran I will also contact
the Disabled American Veterans and the American Legion for companies taking advantage
of veterans, as well as other attorney options
I also just recently discovered through the Revdex.com site that Western Sky
Financial has been shut down and no longer in business:
According to information in Revdex.com
files, this company is no longer in businessIf you have an unresolved dispute
with this company you may wish to seek legal advice
On October 1, 2013, the Attorney General of Arkansas filed
suit against Western Sky, its affiliates and respective owners for allegedly
violating the Arkansas Deceptive Trade Practices Act
Western Sky Financial staff notified the Revdex.com on May 20,
that Western Sky has now completely ceased doing all business and cannot be
contacted via the website, email, or phoneAll of the loans that were funded
were sold and serviced by one of the following companies that have access to
all original documents:
CashCall, Inc
S Douglass Rd
Anaheim, CA
I have not received any emails, phone calls, regular mail,
no communication what so ever from Cash Call in regards to this issueI also
have no clue who this Delbert Services Corporation isI have not received any
communication whatsoever from this company either. Since February after first contacting
Western Sky I have not received any communication from any company whatsoever
Today being October 25, there have been approximately months with no
contact by Western Sky, Cash Call, or this Delbert ServicesAt this point in
time I guess I am not sure what I need to do this point forward
Thank you for your assistance
Respectfully
[redacted]

Please be advised that Mr. [redacted] loan is an installment loan that was originated and funded by CashCall, Inc. on January 17, 2014, 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. According to CashCall’s records, Mr....

[redacted] made a payment on October 3, 2014 in the amount of $688.40, which included his normal monthly payment amount of $388.40 and an additional principal balance payment in the amount of $300.00. CashCall inadvertently applied the overpayment in the amount of $300.00 to his November 2014 payment.  On October 27, 2014 [redacted] received a payment reminder indicating an amount due for his November 2014 payment of $88.40. With that, [redacted] requested that the $300.00 overpayment be applied as requested to his principal balance.  CashCall immediately reapplied those funds to his principal balance and advised [redacted] that his regular monthly payment for November 2014 would be $388.40 versus $88.40. At that time [redacted] requested to make a principal balance payment of $400.00 and chose to pay $488.40 which CashCall allocated to his full November payment in the amount of $388.40 and the remaining $100.00 was applied to the principal balance.  In summary, according to Cashcall’s records, [redacted] has made 9 of 47 scheduled installment payments on this account, with the most recent payment received on November 1, 2014. CashCall’s records indicate that [redacted] is due and owing for the December 2014 through February 2015 installments. As of February 17, 2015, the payoff amount due on this account is $3,285.72. Further, our records indicate that all payments were applied and allocated correctly and there was not an additional principal balance payment made in the amount of $400.00 in the month of November.  In closing, CashCall would like to sincerely apologize to [redacted] for any misunderstanding or miscommunication he experienced with regard to the servicing of his account.  Should [redacted] have any further questions or concerns regarding this matter he is encouraged to contact the Dispute Resolution Department.

Ms. [redacted]’s loan is an installment loan that was originated and funded by CashCall, Inc. on November 18, 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. [redacted]). 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 on November 16, 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 at the top of page one of Ms. [redacted]’s Note clearly displays the Annual Percentage rate 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 November 18, 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 November 26, 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. 
In summary, this debt is legal, valid, owing to CashCall, and has not been paid in full. CashCall also has confirmed that Ms. [redacted]’s account balance is accurate and that all credit information for this loan is being reported correctly to the credit reporting agencies. According to our records, Ms. [redacted] has only made 25 of the 47 scheduled installment payments to this loan.  The last payment was received on January 1, 2016, and her account is current and next due for the February 2016 installment payment.  As of January 25, 2016, the payoff amount on this loan is $2,580.05. Please have Ms. [redacted] contact the Dispute Resolution department at [redacted] if she would like further assistance with her account.

Please be advised that [redacted] loan is an installment loan that was originated and funded by CashCall, Inc. on August 21, 2014 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. [redacted]. 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 as a matter of course, CashCall places collection calls to delinquent borrowers. Those telephone conversations are never intended to be anything other than 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. As [redacted] mentions in his complaint, on August 28, 2015 a representative from CashCall’s customer service department attempted to contact him in an effort to address his concerns as he expressed in his email to CashCall. This call was not an attempt to collect a debt. Nonetheless, on August 28, 2015, CashCall ceased all calls to [redacted] in accordance with state and federal guidelines, and took steps to ensure all future contact will be in writing only.  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 all credit information for this loan has been reported accurately to the credit reporting agencies. According to our records, [redacted] has only made 10 of the 47 scheduled installment payments on this account.  The last payment was received on July 1, 2015 and the account is delinquent.  As of September 3, 2015, [redacted] payoff amount is $3,177.88. Nonetheless, CashCall would like to continue to work with [redacted] if he is experiencing financial difficulty. Please have him contact the Dispute Resolution department at [redacted] if he would like to discuss options available for his account.

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. On November 10, 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.   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.  [redacted]’s December 2014 and January 2015 payments were returned by here bank as non-sufficient funds (NSF).  As such, fees were assessed to [redacted]’ CashCall loan accordingly.  As stated in her Promissory Note, [redacted] has the right to cancel the EFT authorization by providing CashCall with a written request of such an election.  CashCall will consider this complaint the necessary written notice and has cancelled automatic withdrawals from [redacted]’ bank account. This in no way lessens [redacted]’ obligation to CashCall, which has a current amount of $495.18 due. Please be advised that pursuant to an interim agreement with the [redacted], CashCall has temporarily modified [redacted]’ interest rate to 18.00%, effective February 2014.  As of the date of this response, the payoff amount on [redacted]' loan is $1312.12, and she has nine (8) scheduled installment payments remaining on the account.  Please have [redacted] contact the Dispute Resolution department at [redacted] if she would like to discuss possible repayment options.

As previously stated the servicing of Ms. [redacted]’s loan was transferred to CashCall effective November 10, 2014, and CashCall has verified that it has properly reported all credit information regarding this loan to the credit bureaus.  If Ms. [redacted] has any further questions of CashCall, she may contact the Dispute Resolution department directly for assistance, at 714-221-3300.  If Ms. [redacted] has questions regarding her account prior to November 10, 2014, she will need to contact the prior servicer for assistance.

Ms. [redacted]’s loan is an installment loan that was originated and funded by CashCall, Inc. on May 8, 2014 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. [redacted]). 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 Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in three different locations. The third 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 May 7, 2014, 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 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 May 8, 2014, 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 May 31, 2014, 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.
In summary, this debt is legal, valid, owing to CashCall, and has not been paid in full. CashCall also has confirmed that Ms. [redacted]’s account balance is accurate and that all credit information for this loan is being reported correctly to the credit reporting agencies. According to our records, Ms. [redacted] has only made 22 of the 48 scheduled installment payments to this loan.  The last payment was received on April 15, 2016, and her account is current and next due for the May 2016 installment payment.  As of April 25, 2016, the payoff amount on this loan is $2,682.80. Please have Ms. [redacted] contact the Dispute Resolution department at [redacted] if she would like further assistance with her account.

Initially, CashCall would like to sincerely apologize to Ms. [redacted] for any inconvenience or confusion she experienced with her loan payments.  CashCall prides itself on providing borrowers with an excellent and prompt experience, so her feedback is helpful. Unfortunately, due to an email error,...

CashCall’s complaints email inbox was down and CashCall did not receive the emails Ms. [redacted] sent regarding her payment issues.  Once CashCall was aware of the issue with the inbox is was immediately resolved.   With regard to Ms. [redacted]’s payment, on April 26, 2017 Ms. [redacted] contacted CashCall to make a payment to her account.  CashCall alter learned that during the loan funding process the incorrect routing number was entered on her account in error. Accordingly, her April 26 payment did not clear.  CashCall fixed the error and backdated Ms. [redacted]’s payment to April 26, 2017 per her request.   Ms. [redacted] took issue with how the payment was applied. As previously explained to Ms. [redacted], the first scheduled payment on her account was due on May 1, 2017 in the amount of $681.13.  This scheduled installment payment takes into account principal and accrued interest up to that date. On April 26, 2017, Ms. [redacted] called CashCall to make a payment of $700.00.  CashCall applied $681.13 to Ms. [redacted]’s May 1, 2017 payment (covering interest through May 1 and portion of principal) and the remaining amount was also applied to reduce her principal balance. Please note that a borrower may make an early payment at any time without penalty. If Ms. [redacted] had wanted to pay off her balance in full she would only have paid interest up through the date of the payment. However, since this was a partial pre payment she had two options: (a) apply the payment to interest accrued only up until the date of payment and the remaining to principal while making another payment on the next due date (here May  1) or (b) apply the payment as if it were being made for the scheduled installment and apply any overage to the principal balance. CashCall applied the payment using option b. Please note that Ms. [redacted] wanted a hybrid of these options, which is not possible. If, as she requests, the payment is applied on April 26 to only interest accrued through April 26 and no further payment until June 1, then the amount of interest accrued for April 27-30 would not be covered by her June 1 payment. The minimum installment payments take into account accrued interest for an entire month. If the month of April’s payment is shorted by four days of interest then there will always be a tailing amount of additional interest owed that is not covered by future minimum installment payments.   The above has been explained to Ms. [redacted] in detail. However, please have Ms. [redacted] contact the Dispute Resolution department at (714) 221-3300 if she has any further questions regarding this matter.

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.
Cashcall has still not addressed the FCRA violations in my original complaint to them. They claim to have sent proper validation on September 20, 2016 but have not given any proof of delivery despite having asked them on at least two other occasions (complaint to CFPB, letter sent to them via certified mail). I have no record of receiving this alleged validation. They need to provide proof of delivery.Cashcall ignored two letters that I sent to them via certified mail (I have signatures on file), one after 30 days and the second after an additional 30 days. They are in violation of the following:sFCRA 623(a)(3) [15 U.S.C. 1681s-2]FCRA 623 (a)(8)(E)(iii) [15 U.S.C. 1681s-2]Cashcall also continues to just give information regarding the original loan that has no bearing on the complaint. Cashcall is trying to ignore the fact that they have violated my rights and the FCRA. Because of this they need to delete all negative information on my credit reports. 
Regards,
[redacted]