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 The current date is October 25, 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 $ 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 $ 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]

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 disagree with the whole returned for nsfI have also reached out to the company and was told that they could not help me unless payment was made, which I was not disputingI was disputing the way they handled my bank issues and my payment issues with their company What I had a problem with was the company not listening to the explanation regarding the banks of returning the paymentThe issue was not also the dates that were mentioned, but the dates after that The dates were between April 2nd and 3rdI asked that the company not make my credit report show 30dys late and they did, due to the fact that the bank did not take responsibility for the payment being returned and neither did the company That is my issue with the companyIt as not paying them, it was trying to resolve the payment issue with the company and my bank I also tried to speak with the collection department and was told I could not until payment was madeThe company also said they had no idea of the date for the 30dys showing on my credit report and even a letter from my bank could not stop the reporting to the credit reports Regards, [redacted]

Please be advised that CashCall is willing to settle Ms [redacted] account for one lump sum payment of $1,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-by August 15, to set up payment arrangements or for further assistance with this matter

Please be advised that CashCall has investigated this matter and has concluded that Mr [redacted] submitted his personal contact information online in reference to a request for information regarding refinancing a property Mr [redacted] further consented to a return phone call and provided his telephone number as the primary number to contact him As such, a marketing agent for CashCall called Mr [redacted] at the number he provided Nonetheless, CashCall would like to apologize for any confusion or miscommunication on behalf of the marketing agent during the actual marketing call Accordingly, pursuant to this complaint, CashCall has permanently removed Mr***’ telephone number from its system, and can confirm that Mr [redacted] will not receive any further calls or communication from CashCall or anyone marketing on CashCall’s behalf CashCall thanks you for the opportunity to respond If Mr [redacted] has any further questions of CashCall, he may contact the contact the Dispute Resolution department, at 714-221-3300, for assistance

Please be advised Ms [redacted] loan is an unsecured installment loan that was originated and funded by Western Sky Financial, LLC (“Western Sky”) on March 5, in the amount of $2,525.00, which is the loan amount of $2,minus the $Prepaid Finance Charge/Origination FeeAs such, all questions regarding the origination and funding of Ms [redacted] loan should be directed to Western Sky, at: P.OBox 370, Timber Lake, South Dakota, The loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of Ms [redacted] 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, Ms [redacted] signed the Note on March 4, 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 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 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 NoteAdditionally, on March 8, 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 loanOn November 10, 2014, per the Notice of Transfer of the Servicing of Loan notification sent to Ms [redacted] via U.Smail, the owner transferred the servicing rights to CashCallAs 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 fullAccording to our records the last payment was received on July 30, 2015, and the account is current and next due for the August installment payment As of July 31, 2015, Ms [redacted] payoff amount is $2, However, in an effort to resolve this matter, CashCall is willing to settle Ms [redacted] account for either one (1) lump sum payment of $1,000.00; or five (5) consecutive installment payments of $250.00, totaling $1, Please have Ms [redacted] contact the Dispute Resolution department at (714) 221-by August 5, if she would like to accept either offer, or for further assistance with her account

According to our records, on October 9, Mr [redacted] completed an online application for an installment loan with CashCall, Inc(“CashCall”)Mr [redacted] was approved for the $2,loan product and decided to take out the loanMr [redacted] ’s loan was originated and funded by CashCall on October 21, in the amount of $2,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 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 Note According to our records, Mr [redacted] signed the Note on October 19, 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 regulationsThe Truth in Lending Act Disclosure Statement at the top of page one 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 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 loanPursuant to Mr [redacted] ’s 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, Mr [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 dateOn 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 NoteAdditionally, 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 scheduleMr [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,only went towards the interest and not the actual loan amount, which is inaccurateIn fact, after the interest was paid more than half of the first payment was applied to the principal balanceFurther, CashCall’s records indicate that Mr [redacted] failed to make the remaining payments as agreed to on this accountSubsequently, the account was charged off on May 31, in the amount of $1,($1,in principal, $in interest, and $in fees)The last payment was received on September 4, It was then sold to CCI Acquisitions, LLC on November 17, As such, all future inquiries regarding this account should be directed to: CCI Acquisitions, LLCNE 123rd StSuite 206North Miami, FL 33181(305) 851-CashCall has not made any attempt to contact Mr [redacted] in any manner after his account was sold in November In summary, CashCall no longer owns or services this loanAccording 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-if he has any further questions of CashCall regarding this matter

Please be advised that on April 16, 2013, CashCall ceased all calls to Mr [redacted] per his request Contrary to Mr [redacted] ’s complaint, CashCall notified via email on August 21, that his account was going to be charged off and assigned to a third party for collections As previously stated, Mr [redacted] ’s account was charged off on August 31, and subsequently assigned to Delbert Services for collection Mr [redacted] may contact the Dispute Resolution department at (714) 221-if he has any further questions of CashCallOtherwise, please have Mr [redacted] contact Delbert Services Corporation at (855) 388-for assistance CashCall’s is confident that this response has addressed the issues as presented in this complaint and considers this matter closed

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, 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 loanI told her that I did not say that I refused the loanI just thought that the total amount had been paid ($6,478.12) was more than enough to help me out by adjusting the termShe kept arguing and finally, she transferred my call to someone elseThis 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,moreIn conclusion, the loan of $2,which I received $2,turned into $10,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 agreementI do not know if you can help me more on this matter or notI 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,had not satisfied your company so they can clear my termShe replied back to me "no"You have to pay according to your term and the amount has to be $14,in the amount of $2,loanOutrageous! Regards, [redacted] ***

Mr [redacted] ’s loan is an unsecured installment loan that he 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 ownershipOur records indicate that on September 19, 2016, Mr [redacted] contacted CashCall to request the payoff amount on his loanAt this time Mr [redacted] was advised that due to an agreement with the state of Illinois we could not accept any payments and he would be receiving notification from the state regarding this matter Please be advised that in light of Mr [redacted] ’s excellent repayment history, CashCall has elected to waive the remaining balance on Mr [redacted] ’s loan and will mark his account as paidAdditionally, CashCall has elected to remove any reference to Mr [redacted] ’s current account from his credit records Please allow the credit bureaus – days to update their records Please have Mr [redacted] contact the Dispute Resolution department at [redacted] if he has any further questions or would like additional assistance with this matter

Ms [redacted] ’s loan is an installment loan that was originated and funded by CashCall, Incon November 18, 2013, 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 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,or moreSee California Financial Code Section Please be advised that all CashCall borrowers are instructed to read the Consumer Loan Agreement (the “Note”) in its entiretyOnce they have done so, they are required to electronically sign or initial the Note in four different locationsThe 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 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 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 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 January 1, 2016, and her account is current and next due for the February installment payment As of January 25, 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

[redacted] loan is an unsecured installment loan that was originated and funded by CashCall, Incon September 29, 2014, in the amount of $5,000.00, which is the loan amount of $5,minus the $Prepaid Finance Charge/Origination FeeCashCall 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,or moreSee California Financial Code Section 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 According to our records, [redacted] April payment was returned unpaid due to a “Stop Authorization” initiated against CashCall with [redacted] Credit Union Please be advised that contrary to [redacted] complaint, CashCall is not reporting his account as delinquent to the credit bureaus In summary, the loan is valid and enforceable and has not been paid in fullAccording to our records, [redacted] has four (4) remaining scheduled payments to this account The last payment was received on May 8, 2015, and the account is currentAs of May 28, 2015, [redacted] payoff amount is $1,Please have [redacted] contact the Dispute Resolution department at [redacted] for further assistance with his 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]

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 meThank you Regards, [redacted]

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, 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] *** 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 documentThese 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 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 August 27, 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 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, 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 loanPursuant to [redacted] 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, [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 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 CashCallAs 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, [redacted] has made of the scheduled installment payments to this loan As of July 28, [redacted] payoff amount is $2, 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, Please have her contact the Dispute Resolution department at (714) 221-by August 5, 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 Cashcall has still not addressed the FCRA violations in my original complaint to themThey claim to have sent proper validation on September 20, 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 validationThey 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 days and the second after an additional daysThey are in violation of the following:sFCRA 623(a)(3) [U.S.C1681s-2]FCRA (a)(8)(E)(iii) [U.S.C1681s-2]Cashcall also continues to just give information regarding the original loan that has no bearing on the complaintCashcall is trying to ignore the fact that they have violated my rights and the FCRABecause of this they need to delete all negative information on my credit reports 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, 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, 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 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 June 5, 2013, via electronic signature, indicating that she did indeed understand the terms and conditions of the NoteOn 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 NoteAdditionally, on June 17, 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 scheduleMs [redacted] gave no indication that she did not understand or did not agree to the terms of the loanMs [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 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 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 her payment will go toward principal 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 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 months to only months According to our records, Ms [redacted] has only 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 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 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 guidelinesWe 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 fullAccording to our records, the last payment was received on November 3, 2014, and the account is delinquentAs of January 2, 2015, Ms [redacted] payoff amount is $ Nonetheless, if Ms [redacted] is experiencing financial difficulty, CashCall is willing to work with her and discuss payment options available for her accountPlease have her contact the Dispute Resolution department at (714) 221-if she would like to discuss further

According to our records Ms***’s loan was funded on May 22, 2013, in the amount of $2,525.00, which is the loan amount of $2,less 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 According to CashCall’s records, Ms***’s loan was settled on July 17, Please be advised that per FCRA, CashCall is required to report accurately to the credit bureaus CashCall has investigated and confirmed that it is correctly reporting all credit information for Ms***’s loan, per all applicable laws and regulationsPlease have Ms [redacted] contact the Dispute Resolution department at (714) 221-if she has any further questions regarding this matter According to CashCall’s records, Ms***’s loan was settled on July 17, 2014, and has been properly reported to the credit bureaus as such Please have Ms [redacted] contact the Dispute Resolution department at (714) 221-if she would like further assistance with this matter

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 ownershipOur records indicate that [redacted] installment loan was originated and funded by [redacted] *** February 21, 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] *** 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 $on March 28, 2014, and twelve (12) consecutive installment payments of $beginning April 2014, with the last installment due on or before April 30, Pursuant to the settlement agreement, [redacted] made her March through December installment payments, and a partial payment in January 2015, but failed to make any further paymentsAs explained to MsTindall upon entering the settlement agreement, should MsTindall 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,($2,in principal, $1,in interest, and $in fees) In summary, [redacted] loan has not been paid in full per the terms of the settlement agreementHowever, CashCall is willing to assist [redacted] in making arrangements to satisfy the outstanding amount owed on the NoteWith that, CashCall strongly suggests that [redacted] contact the Dispute Resolution department at [redacted] by February 28, 2015, in order to discuss available repayment options

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, in the amount of $1,which is the loan amount of $1,less the $Prepaid Finance Charge/Origination FeeOn 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 loanSubsequently, Mr [redacted] ’s account was charged off due to non-payment, on August 31, 2013, in the amount of $2,($1,in principal, $interest, and $in fees), and assigned to Delbert Services Corporation (“Delbert Services”) for collectionAccordingly, please have Mr [redacted] direct all future correspondence and inquiries to Delbert Services at: Delbert Services Corporation P.OBox Anaheim, CA (855) 388- 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 regulationsAccording to CashCall’s records, Mr [redacted] ’s account was charged off on August 31, and subsequently assigned to Delbert Services for collection Please have Mr [redacted] contact the Dispute Resolution department at (714) 221-if he has any further questions of CashCallOtherwise, please have Mr [redacted] contact Delbert Services Corporation at (855) 388-for assistance

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, 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, 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, Ms [redacted] signed the Note on August 3, 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 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 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 NoteAdditionally, on August 5, 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 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 CashCallAs 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 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 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 fullAccording to our records, Ms [redacted] has made of the scheduled payments on this loan The last payment was received on January 1, and the account is delinquentAs of April 9, 2015, Ms [redacted] ’s payoff amount is $3, Nonetheless, CashCall would like to work with Ms [redacted] to resolve this matterPlease have Ms [redacted] contact the Dispute Resolution department at (714) 221-if she would like to discuss possible assistance options or for further assistance with her account