Cashcall

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 reportI want the finance charges removed to bring it to a balance of a 1,then I would agreeLet me know if this is possible

Ms [redacted] ’s loan is an installment loan that was originated and funded by CashCall, Incon July 25, in the amount of $2,525.00, which is the loan amount of $2,minus the $Prepaid Finance Charge/Origination FeeAs outlined in Ms [redacted] ’s executed Consumer Loan Agreement (the “Note”), her loan was made pursuant to the Delaware Licensed Lenders Act Please be advised that all CashCall borrowers are instructed to read the Note in its entiretyOnce they have done so, they are required to electronically sign or initial the Note in three different locationsThe 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 July 25, 2014, via electronic signature, indicating that she did indeed understand the terms and conditions of the NoteThis 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 ChargeThe APR was disclosed in accordance with the requirements of the Truth in Lending ActNotwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty On July 25, 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 July 29, 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 scheduleMs [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 loanPursuant to Ms [redacted] ’s Note, her loan is amortized using the simple interest method of loan amortizationAs such, she has been charged interest on her outstanding principal balance dailyLike any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interestAs 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 penaltyAny 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 fullCashCall 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 agenciesAccording to our records, Ms [redacted] has only made of the scheduled installment payments to this loan The last payment was received on March 2, 2016, and her account is current and next due for the April installment payment As of March 30, 2016, the payoff amount on this loan is $2,Please have Ms [redacted] contact the Dispute Resolution department at [redacted] if she would like further assistance with her account

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

Initially, CashCall, Inc(“CashCall”) has investigated Mr [redacted] ’s claim and has concluded that this account was not the result of fraud as there is no evidence to support such conclusion Specifically, CashCall has determined that on September 22, 2015, it wired $27,000.00, which is the loan amount of $30,minus the $3,Prepaid Finance Charge/Origination Fee, into a [redacted] checking account owned and controlled by [redacted] Additionally, CashCall representatives have spoken to Mr [redacted] on several occasions regarding the settlement of his account Mr [redacted] never disputed the loan during any of these discussionsIn summary, after an investigation, we have concluded that the debt is valid According to our records on September 21, Mr [redacted] contacted CashCall to apply for a Small Business loan for his company [redacted] His loan was funded by CashCall on September 22, in the amount of $30,with Mr [redacted] as the Guarantor The borrower on the loan is [redacted] Each approved business applicant is required to have a person with signing authority sign a Promissory Note and Disclosure Statement (“Note”) on behalf of the company before any loan can fundAdditionally, a personal guaranty is requiredGuarantors are instructed to read the documents in their entiretyAccording to our records, Mr [redacted] signed the Note and the personal guaranty on September 22, via electronic signature, indicating that he did indeed understand the terms and conditions of the Note and the guarantyThese documents, in their original format, are electronic documents fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations Mr [redacted] was also sent a settlement statement via electronic mail to the e-mail address supplied, confirming the terms and conditions of the Note, on September 22, A “Welcome Call” was placed to Mr [redacted] on September 22, At that time, a CashCall representative went over the terms of the loan including the interest and repayment schedule and the Prepaid Finance/Origination feeMr [redacted] gave no indication that he did not understand or did not agree to the terms of the loan and the guaranty According to our records, [redacted] has only made payments on this accountThe last payment was received on December 1, As such, due to non-payment, the account was charged off on April 30, 2016, in the amount of $39,($29,in principal, $9,in interest and $in fees)As of July 1, 2016, the payoff amount is $46, Please note that if Mr [redacted] is claiming this account is not his, pursuant to the Fair Credit Reporting Act he must provide CashCall with 1) a police report evidencing his claim, in addition to 2) an acceptable affidavit of fact We have sent Mr [redacted] a blank affidavit via U.Smail for his use Please note that if Mr [redacted] does not return a valid police report and affidavit, CashCall will have no other choice than to conclude that his loan is valid Our records indicate that on June 21, 2016, CashCall offered to settle this account for either (1) one lump sum payment of $17,or (2) installment payments of $2,Please have Mr [redacted] contact the Dispute Resolution department at ( [redacted] by July 15, 2016, if he would like to accept either offer or if he would like further assistance with his account

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] on May 15, in the amount of $2,which is the loan amount of $2,less the $Prepaid Finance Charge/Origination Fee As such, all questions regarding the origination and funding of [redacted] loan should be directed to [redacted] ***, at: P.OBox 370, Timber Lake, South Dakota, Upon review of the file sent to CashCall by [redacted] ***, 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 documentThese 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 entiretyOnce they have done so, they are required to electronically sign or initial the Note in two different locationsThe second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the NoteAccording to our records, [redacted] signed the Note on May 15, via electronic signature, indicating that she did indeed understand the terms and conditions of the NoteThis 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 regulationsThe APR was disclosed in accordance with the requirements of the Truth in Lending ActNotwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty On May 15, [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the NoteAdditionally, on May 15, 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 loanOn November 19, 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 summary, the loan is valid and enforceable and has not been paid in fullAccording to our records, the last payment was received on January 15, 2015, and the account is delinquentAs of March 13, 2015, [redacted] payoff amount is $3,Nonetheless, if [redacted] *** is experiencing financial difficulty, CashCall is willing to work with her and discuss payment options available for her accountPlease have [redacted] *** contact the Dispute Resolution department at [redacted] if she would like to discuss possible repayment options available to her

As previously stated, on November 10, 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-if she would like to discuss further

Please be advised that [redacted] loan is an installment loan that was originated and funded by CashCall, Incon August 20, in the amount of $24,which is the loan amount of $25,minus the $Prepaid Finance Charge/Origination FeeCashCall holds a California Finance Lender License that was issued by the Department of Business Oversight (License No603-8780)This license grants CashCall an express exemption to the usury provisions contained in the California Constitution concerning interest rates for all loans of $2,or moreSee California Financial Code Section CashCall would like to sincerely apologize to [redacted] for any inconvenience or confusion he experienced with the servicing of his loan In an effort to resolve this matter, CashCall has reallocated his most recent payment to February 27, per his request and has marked [redacted] account as paid in fullPlease allow – days for the credit bureaus to update their recordsIf [redacted] has any additional questions or would like further assistance with this matter please have him contact the dispute resolution department at [redacted]

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] on September 28, in the amount of $2,which is the loan amount of $2,less the $Prepaid Finance Charge/Origination Fee As such, all questions regarding the origination and funding of [redacted] loan should be directed to [redacted] ***, at: [redacted] *** CashCall would like to apologize to [redacted] for any inconvenience or misunderstanding that she feels may have occurred with regard to the servicing of her loanOur records indicate that on March 27, 2015, [redacted] contacted CashCall to request a payoff quote Per the executed loan agreement (the “Note”), interest accrues daily based on the outstanding principal balance of the loan [redacted] was reminded of this fact and informed that the quote provided was for good for that day only On April 2, 2015, a payoff for April 8, was quoted for [redacted] Again [redacted] was advised that the quotes were good for the specific date provided only However, on May 2, 2015, CashCall received a check from [redacted] which did not match any of the quoted payoff amounts and a balance of $was remaining on her account As a matter of course, CashCall places collection calls to delinquent borrowersThose telephone conversations are never intended to be anything other than a professional effort to collect a debt that has become delinquentIn reviewing records of the conversations at issue, we can confirm that our collectors acted in a professional manner at all timesCashCall follows both state and federal debt collection practice guidelines with respect to debt collectionsTelephone contact attempts are only made between the hours of a.mand p.mlocal 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 FDCPAFurthermore, multiple call attempts may be made during the course of a day, but no more than one outbound contact is made per dayNonetheless, on October 7, 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 would be in writing onlyIn summary, this debt is legal and valid, and owing to CashCall, and was not paid in fullWe also have confirmed that [redacted] account balance is accurate and that all credit information for the loan is being reported correctlyOn September 2, CashCall sent [redacted] an offer to settle her account for a lump sum of $This offer expired on September 15, Please be advised that in an effort to resolve this matter, CashCall is willing to extend a new offer with the same terms of as the offer that expired on September 15, Please have [redacted] contact the Dispute Resolution department at [redacted] by October 15, if she would like to accept this offer or for further assistance with her account

Please be advised that on February 13, [redacted] contacted CashCall to set up an automatic payment withdrawalA payment in the amount of $5,was deducted from his bank and applied to his CashCall on February 13, In regards to the $18,payment referenced in [redacted] complaint, on February 27, CashCall received a check from [redacted] with a note written on the check stating: “Payoff.” As CashCall has previously explained to [redacted] , CashCall could not accept the check because that amount was not the correct payoff amount On March 12, 2015, CashCall received a $19,payment from [redacted] As a courtesy, this payment was reallocated to February 27, On March 7, 2015, CashCall received a payment of $which was applied on March 7, [redacted] had a remaining balance of $77.27, which was waived in an effort to resolve his previous complaintOn March 17, 2015, [redacted] account was considered paid in fullOn March 19, 2015, CashCall received a payment of $which will be refunded to [redacted] Additionally, on March 26, 2015, CashCall has sent [redacted] a $refund for the stop payment fee he incurred Please have [redacted] contact dispute resolution department at [redacted] if he would like further assistance with 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 This was a payday loan Western Finance was sued, as referenced by attached document, as operating a lending company without a legal license and was told to stop business The businesses Western Sky, Cash Call and Delbert Services are all owned by a single entity as you can see by attached document Also it referenced in the attached document that the state of Arizona does not required repayment of these type loans I paid them over $and the amount of the loan is still listed as $1474.00, which also makes the loan interest illegal according to federal law Regards, [redacted] ***

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, in the amount of $2,which is the loan amount of $2,less the $Prepaid Finance Charge/Origination Fee As such, all questions regarding the origination and funding of [redacted] loan should be directed to [redacted] ***, at: P.OBox 370, Timber Lake, South Dakota, 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 documentThese 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 entiretyOnce they have done so, they are required to electronically sign or initial the Note in two different locationsThe second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the NoteAccording to our records, [redacted] signed the Note on March 27, via electronic signature, indicating that he did indeed understand the terms and conditions of the NoteThis 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 ActNotwithstanding 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 loanPursuant to [redacted] Note, his loan is amortized using the simple interest method of loan amortizationAs such, he has been charged interest on his outstanding principal balance dailyLike any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interestAs 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 penaltyAny 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 CashCallCashCall 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 payments were made late Additionally, [redacted] bank returned his June and July 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 $for the outstanding fees owed Please be advised that [redacted] still has a balance of $in fees owed In summary, the loan is valid and enforceable and has not been paid in fullAccording to our records, [redacted] has remaining scheduled payments to this account The last payment was received on April 15, 2015, and the account is currentThe next payment is due for the May installment payment As of May 7, 2015, [redacted] payoff amount is $2,Nonetheless, if [redacted] is experiencing financial difficulty, CashCall is willing to work with him and discuss payment options available for his accountPlease have [redacted] contact the Dispute Resolution department at (714) 221-if he would like to discuss possible assistance options or for further assistance with his account

Ms [redacted] loan is not a payday or deferred deposit loan It is an installment loan that was originated and funded by CashCall, Inc(“CashCall”) on September 17, in the amount of $2,525.00, which is the loan amount of $2,minus the $Prepaid Finance Charge/Origination Fee.CashCall holds a California Finance Lender License that was issued by the Department of Business Oversight (License No603-8780)This license grants CashCall an express exemption to the usury provisions contained in the California Constitution concerning interest rates for all loans of $2,or moreSee California Financial Code Section 22002.According to our records, Ms [redacted] made only four payments to this loan, totaling $The last payment was received on February 11, As such, Ms [redacted] account was charged off on August 31, 2011, in the amount of $4,($2,in principal, $1,in interest and $in fees)Please be advised that, as also previously explained to Ms [redacted] , the interest rate relief provision of the SCRA does not apply to her loan In summary, this debt is legal, valid, owing to CashCall, and has not been paid in fullWe also have confirmed that Ms [redacted] account balance is accurate and that we are reporting all credit information correctly for this loanAs of November 20, 2015, her payoff amount is $10, 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 on April 6, 2015: to settle her account for either (1) a lump sum payment of $1,or (2) nine installment payments of $172.43, totaling $1, Please have Ms [redacted] contact the Dispute Resolution department at (714) 221-by November 30, if she would like to accept either offer or for further assistance with her account

Initially, CashCall Auto would like to sincerely apologize if Ms [redacted] felt as if she was treated unprofessionally and for any inconvenience she experienced CashCall Auto prides itself on providing borrowers with an excellent and prompt experience, so her feedback is helpful On December 12, 2014, upon receipt of this complaint, CashCall sent Ms [redacted] a payment transaction history per her request Additionally, please be advised that CashCall Auto is reporting to the credit bureaus as of October and has confirmed that we are reporting all credit information correctly for this loan Please have Ms [redacted] contact the Dispute Resolution department at ###-###-#### with any concerns or issues 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 resolvedDear Sirs, The matter has been satisfactorily resolved with the company, Cash CallThey offered to settle with me for either a $lump sum payment or monthly payments of $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 assistanceWith Regards, [redacted]

[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, 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 scamAccording to our records, [redacted] has failed to make payments as agreed to this loanAs such, [redacted] account was charged off on November 30, in the amount of $1,($in principal, $in interest and $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

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, CashCall, and Delbert Services Corporation (“Delbert Services”) are each separate companies Our records indicate that Ms [redacted] ’s installment loan was originated and funded by Western Sky on October 22, in the amount of $2,which is the loan amount of $2,less the $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.OBox 370, Timber Lake, South Dakota, As background, Western Sky is a wholly Cheyenne River Sioux Tribal Member owned business and is located and operates within the exterior boundaries of the Cheyenne River Indian ReservationWestern Sky loans are initiated, approved, issued and disbursed within the confines of the Cheyenne River Indian ReservationWestern Sky is licensed with the Cheyenne River Sioux TribeThe 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 his loan documentThese 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 entiretyOnce they have done so, they are required to electronically sign or initial the Note in two different locationsThe second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the NoteAccording to our records, Ms [redacted] signed the Note on October 21, via electronic signature, indicating that she did indeed understand the terms and conditions of the NoteThis 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 (“APR”) as 139.13% and Total Finance Charge of $11,The APR was disclosed in accordance with the requirements of the Truth in Lending ActNotwithstanding these disclosures, borrowers are free to pay their loan in part or in full at any time without penalty On October 22, 2012, Ms [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the NoteAdditionally, on October 25, a “Welcome Call” was placed to Ms [redacted] in which a representative went over the loan terms with her, including the interest rate and repayment scheduleMs [redacted] gave no indication that she did not understand or did not agree to the terms of the loan As Ms [redacted] noted in her complaint, on August 13, 2013, per the Notice of Assignment, Sale or Transfer of Servicing Rights notification sent via email to Ms [redacted] at the address she provided, the loan was sold and assigned to Delbert Services Corporation for servicing On November 10, 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 In accordance with Ms [redacted] ’s executed Promissory Note, CashCall has the authority to withdraw payments and fees from her account and to resubmit payments that were returned by her bankAs stated in her Promissory Note, Ms [redacted] has the right to cancel the EFT authorization by providing CashCall with written notice of such an electionCashCall has no record of such election from Ms [redacted] Nonetheless, CashCall will consider this complaint the required written request and will cancel her EFT authorizationThis in no way lessens Ms [redacted] ’s obligation to CashCall In summary, the loan is valid, enforceable, and has not been paid in fullAccording to our records, Ms [redacted] has scheduled installment payments remaining on this accountThe most recent payment was received on November 1, 2014, and the account is current and next due for the December installmentAs of November 28, 2014, Ms [redacted] ’s payoff amount is $2, With that said, CashCall is willing to work with Ms [redacted] to discuss alternative payment options if she is experiencing financial difficultyPlease have her contact the Dispute Resolution department at (714) 221-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 Western Sky is no longer in business and can not be reachedWestern 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 TribeBut 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 statesThese type of lenders and servicers are engaging in unfair, deceptive and or abusive waysContract is null and void as the loan was taken off that protected landI have paid back well over the principal amount which I borrowed( $ 2600.-), in total pd.$ I do not owe any more money! Regards, [redacted]

Please be advised that Mr [redacted] loan is an installment loan that was originated and funded by CashCall, Incon January 17, 2014, in the amount of $2,which is the loan amount of $2,minus the $Prepaid Finance Charge/Origination FeeAccording to CashCall’s records, Mr [redacted] made a payment on October 3, in the amount of $688.40, which included his monthly payment amount of $and an additional principal balance payment in the amount of $CashCall inadvertently applied the overpayment in the amount of $to his November payment On October 27, [redacted] *** received a payment reminder indicating an amount due for his November payment of $With that, [redacted] *** requested that the $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 would be $versus $At that time [redacted] *** requested to make a principal balance payment of $and chose to pay $which CashCall allocated to his full November payment in the amount of $and the remaining $was applied to the principal balance In summary, according to Cashcall’s records, [redacted] *** has made of scheduled installment payments on this account, with the most recent payment received on November 1, CashCall’s records indicate that *** [redacted] is due and owing for the December through February installmentsAs of February 17, 2015, the payoff amount due on this account is $3,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 $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

As previously stated, this debt is legal, valid, owing to CashCall, and has not been paid in fullCashCall also has confirmed that Ms***’s account balance is accurate and that all credit information for this loan is being reported correctly to the credit reporting agenciesAccording to our records, Ms [redacted] entered into a modification agreement on April 29, 2016, which reduced her current interest rate and subsequently reduced her monthly installment payments As of May 1, 2016, the payoff amount on her loan is $2,and she has twenty-six (26) installment payments remainingPlease have Ms [redacted] contact the Dispute Resolution department at [redacted] if she would like further assistance with 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 Regards, [redacted] There should be a payment applied to my on 4/17/I will attached the proof of payment