Cashcall

Please be advised Ms***’s loan is an unsecured installment loan that was originated and funded by Western Sky Financial, LLC (“Western Sky”) on July 6, 2012, in the amount of $2,525.00, which is the loan amount of $2,minus the $Prepaid Finance Charge/Origination FeeAs such, all questions regarding the origination and funding of Ms***’s loan should be directed to Western Sky, at: P.OBox 370, Timber Lake, South Dakota, Upon receipt of this complaint, CashCall has sent Ms [redacted] a validation of debt which included a copy of her loan Note that she signed on July 5, as well as a detailed payment history The loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of Ms***’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 July 5, 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 July 6, 2012, Ms [redacted] was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note On November 19, 2014, per the Notice of Transfer of the Servicing of Loan notification sent to Ms [redacted] via U.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 October 15, 2015, and the account is current and next due for the November installment payment As of October 28, 2015, Ms***’s payoff amount is $1, However, in an effort to resolve this matter, CashCall is willing to settle Ms***’s account for either one (1) lump sum payment of $500.00; or three (3) consecutive installment payments of $250.00, totaling $ Please have Ms [redacted] contact the Dispute Resolution department at (714) 221-by November 5, 2015, if she would like to accept either offer, or for further assistance with her account

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

CashCall would like to sincerely apologize if Mr [redacted] was dissatisfied with the application and approval process and for any inconvenience he has experienced Our records indicate that Mr [redacted] submitted an application for an unsecured installment loan with CashCall on December 5, All loan applications are subject to additional review and verification upon receipt of the required supporting documentation Unfortunately, based on the current underwriting guidelines Mr [redacted] does not qualify for a loan at this timeAccordingly, on December 5, 2014, per all applicable laws and regulations, CashCall sent Mr [redacted] an adverse action letterIf Mr [redacted] would like a specific reason as to why his application is denied he can follow the instructions in the adverse action letterPlease have Mr [redacted] contact the Dispute Resolution Department at (714) 221-if he has any further questions

Please be advised that [redacted] ’s loan is an installment loan that was originated and funded by CashCall, Incon April 30, in the amount of $9,which is the loan amount of $10,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 Our records indicate [redacted] failed to make payments as agreed to this accountSubsequently, the account was charged off on May 31, in the amount of $13,($9,in principal, $3,in interest, and $in fees) and sold to [redacted] *** As such, all future inquiries regarding this account should be directed to: [redacted] ***, [redacted] *** To the extent that [redacted] or her relatives received calls that were threatening or harassing in any manner, CashCall has confirmed that these calls did not originate from CashCall or its employeesPlease be advised that CashCall has not made any attempt to contact [redacted] in any manner after or at any location after her account was charged off nor does CashCall have any affiliation with “ [redacted] ***.” In summary, CashCall no longer services this loan CashCall has not made any attempts to contact [redacted] since her loan was charged offAny complaint or question regarding collection activity should be directed to the debt sale agency which purchased the debtWith that said, please have [redacted] contact the Dispute Resolution department at [redacted] if she has any further questions of CashCall regarding this matter

Ms [redacted] ’s loan is an installment loan that was originated and funded by CashCall, Incon July 1, 2014, 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 Initially, CashCall is not sure what Mr [redacted] means when he says, “and their web site is kicking out a scam webside.” Please have him clarify what this means and provide any examples so that CashCall can investigate his claims immediately Please be advised that as stated in Mr [redacted] ’s Promissory Note all CashCall loan payments are due on the first of each month and have a fifteen day grace period before a late fee is assessedOur records indicate that Mr [redacted] made his February payment on February 18, 2016, and $late fee was assessed to his CashCall loan accordingly Nonetheless, CashCall has elected to waive this fee as a one-time courtesy CashCall is an Internet based company, therefore all written communication is sent electronically Borrowers agree to this method of correspondence prior to submitting their application, and this disclosure is reiterated in their signed Promissory Note CashCall does not have record of Mr [redacted] requesting statements be sent to him via U.Smail Nonetheless, pursuant Mr [redacted] ’s request, CashCall has updated his account to send monthly payment reminders via U.Smail beginning with his next monthly payment cycleFurther, CashCall has no previous record of Mr [redacted] requesting a payoff quote for his account Nonetheless, upon receipt of this complaint, CashCall has sent Mr [redacted] a 10-day payoff quote for his accountPlease note that this amount will change depending on the actual date of payment as interest accrues daily based on the outstanding principal balance on the loan 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 February 18, 2016, and his account is current and next due for the March installment payment As of March 4, 2016, the payoff amount on this loan is $2,Please have Ms [redacted] contact the Dispute Resolution department at [redacted] if he would like further assistance with his account

Please be advised that CashCall has investigated this matter and has been informed by its third-party marketing vendor that Mr***’ phone number was submitted online in reference to a request for information regarding refinancing a property, which included consent to receive a return phone call at that same number As such, the third-party marketing vendor used by CashCall called Mr [redacted] at the number provided Nonetheless, CashCall would like to apologize for any confusion or miscommunication on behalf of the marketing vendor during the actual marketing call With that said, pursuant to Mr***’ request as outlined in his complaint, CashCall has permanently removed Mr***’ telephone number from its systemMr [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 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 ownershipOn 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 and January 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 accountThis in no way lessens [redacted] ’ obligation to CashCall, which has a current amount of $duePlease be advised that pursuant to an interim agreement with the [redacted] , CashCall has temporarily modified [redacted] ’ interest rate to 18.00%, effective February 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

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

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 helpfulUnfortunately, 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***’s payment, on April 26, 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 errorAccordingly, her April payment did not clear CashCall fixed the error and backdated Ms***’s payment to April 26, per her request Ms [redacted] took issue with how the payment was appliedAs previously explained to Ms***, the first scheduled payment on her account was due on May 1, in the amount of $ This scheduled installment payment takes into account principal and accrued interest up to that dateOn April 26, 2017, Ms [redacted] called CashCall to make a payment of $ CashCall applied $to Ms***’s May 1, payment (covering interest through May and portion of principal) and the remaining amount was also applied to reduce her principal balancePlease note that a borrower may make an early payment at any time without penaltyIf Ms [redacted] had wanted to pay off her balance in full she would only have paid interest up through the date of the paymentHowever, 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 balanceCashCall applied the payment using option bPlease note that Ms [redacted] wanted a hybrid of these options, which is not possibleIf, as she requests, the payment is applied on April to only interest accrued through April and no further payment until June 1, then the amount of interest accrued for April 27-would not be covered by her June paymentThe minimum installment payments take into account accrued interest for an entire monthIf 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 detailHowever, please have Ms [redacted] contact the Dispute Resolution department at (714) 221-if she has any further questions regarding this matter

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- If Ms [redacted] has questions regarding her account prior to November 10, 2014, she will need to contact the prior servicer for assistance

Please be advised that [redacted] loan is an installment loan that was originated and funded by CashCall, Incon August 21, in the amount of $2,which is the loan amount of $2,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 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 FDCPAFurthermore, multiple call attempts may be made during the course of a day, but no more than one outbound contact is made per dayAs [redacted] mentions in his complaint, on August 28, 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 CashCallThis call was not an attempt to collect a debtNonetheless, 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 fullWe 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 agenciesAccording to our records, [redacted] has only made of the scheduled installment payments on this account The last payment was received on July 1, and the account is delinquent As of September 3, 2015, [redacted] payoff amount is $3,Nonetheless, CashCall would like to continue to work with [redacted] if he is experiencing financial difficultyPlease have him contact the Dispute Resolution department at [redacted] if he would like to discuss options available for his account

Ms [redacted] ’s loan is an installment loan that was originated and funded by CashCall, Incon May 25, 2012, 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 No***-***)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.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 May 24, 2012, 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 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 penaltyOn 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, 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 loanMs [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 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 dayCashCall has no record of receiving a written request to cease calls prior to this complaintNonetheless, 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 onlyIn summary, the loan is valid and enforceable and has not been paid in fullAccording to our records, Ms [redacted] entered into a modification agreement in on March 20, which reduced her interest rate and subsequently reduced her monthly installment payment amountAs of November 9, 2015, Ms [redacted] ’s payoff amount is $2,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 difficultyPlease have her contact the Dispute Resolution department at (714) [redacted] for further assistance with her account

Ms***’s loan is an installment loan that was originated and funded by CashCall, Incon May 8, 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 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 May 7, 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***’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 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 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***’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***’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 April 15, 2016, and her account is current and next due for the May installment payment As of April 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