Cashnetusa

Recently borrowed $on July 17th of the month (payment in full was approximately 26% of borrowed amount.) Made online payment in full of $1,on July (days later) Checked the online account the following day (Aug1) and they added an additional charge of $stating that the payment was made too late????? I paid the additional $and demanded that they close my account Such a rip off -- will never use them or any other!!!

This company opened an account under my name without my consent, using a collection of information that included my Driver's License, Phone Numbers, and Banking information (some of which was no longer valid)I have emailed them to close the account, however I do not like the fact that they opened an account without my authorizationI previously had done business with a Cash Advance company before, however this was not the company I had worked withI believe that however they got the information, it may have been in an inappropriate manner as I did not consent to share any of that information with another business (even if the information is highly inaccurate)

CashNetUSA repeatedly took payments from me that I was not given credit for on my loan account with themI was then charged additional fees due to "late/missed payments", even though they had already taken my moneyI called and emailed them dozens of times, always being told that if I provided the required information, the situation would be resolvedIt was never resolved despite my proof and following their instructionEven after the loan was paid off in full, they continued to attempt withdrawing payments from my bank account, which resulted in insufficient funds fees from my bank, even though the loan had been paid off and the account had been closedI forwarded them the confirmation email of the account being closed, which they sent to me, and this still continued, until I was forced to have their payments blocked through my bankI received one refund from them, but still lost over $due to their negligence

On October 19, I called to pay my balance in fullUpon speaking to the agent, I gave the agent the debit card detailsThe agent placed me on holdOnce she returned to the phone, she stated the transaction would be cancelled because the payoff amount she initially quoted was now $moreI've called the company multiple times over the past week in hopes to settle my account I'm being targeted and scammedThe interest occur on daily rate which makes paying them off impossibleOnce the payments are taken, they wait two days for it to clear your accountHow can anyone pay off a loan when the money isn't taken upon agreement?
I've spend multiple minutes on the phone trying to come to a resolution which obviously isn't in the best interest of the company since they collect interest on a daily rate

During I took out advances totaling $ The accompanying contracted fees and interest were $and $respectively Therefore I owed Cashnet USA a total of $ I made payments totaling $ Thus, I have overpaid Cashnet USA $ I requested a refund and was told that I was not owed a refund I was told there were hidden fees and interest by one representative I then requested a breakdown of how my payments were applied The last three payments are not broken down into principle, interest, and fees I requested the breakdown of these payments from Deborah *** in the Final Resolution team She stated that all three payments were put towards principal However any other payment that I have made in the past is broken down I no longer can email the Final Resolution team as my email is blocked by the server

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionAfter a careful review of this complaint we have determined that this is fraud and CashNetUSA is not responsible for or participating in the
complained about conductCashNetUSA is not associated in any way with the persons referenced in this complaintWe are not attempting to contact Ms*** and have no knowledge of the calls that Ms*** mentions in her complaintCashNetUSA has not attempted to contact Ms*** regarding a loan and any disbursement of funds as we do not have an account under her name or the contact information that she provided in our systemBased on the details of the complaint, it is clear that Ms*** has been contacted by fraudsters falsely posing as consumer lenders. While we sympathize with Ms*** situation, we cannot take action because the complaint is not related to CashNetUSAIf Ms*** suspects that she is being contacted by a fraudulent entity we recommend that she follow the link below to the Federal Trade Commission’s web site for information on how she can protect himself against this type of activityhttp://www.consumer.ftc.gov/articles/0078-advance-fee-loans We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Thank you for
forwarding this customer complaintWe take all complaints seriously and make
every effort to implement a fair and satisfactory resolutionOn March 9, 2015, Ms*** was funded a $2,
installment loanCashNetUSA disclosed the applicable interest and payment
schedule for the
loan prior to her signing the agreementIn addition,
CashNetUSA disclosed the cost of credit and the total amount payable under the
loan agreementMs*** then signed her loan agreement stating that she
agreed to and accepted the terms and conditions associated with the personal
installment loanMs*** is a returning customer therefore it appears that
she is familiar with how the product works.Ms*** agreed to the following payment schedule when she
entered into the loan transaction:Payment NoAmount of Payments When Payments Are
Due$04/01/$04/15/$05/01/$05/15/$06/01/$06/15/$07/01/$07/15/$07/31/$08/14/$09/01/...⇄ set forth in Ms***’s installment agreement, the Annual
Percentage Rate is 187.99%The dollar amount the credit would have cost Ms
*** is $5,The total amount Ms*** would have paid after she has
made all scheduled payments would have been $8,126.31. All of this was clearly disclosed, before she
signed up for the loan, and in the agreement. In review of Ms***’s concerns we have concluded that on November 30, 2015, Ms*** contacted our customer service department and requested that we lower the interest on loanHowever, at the time that she contacted us, her account was current and we could not accommodate her request because the terms of the original loan agreement were still in effect. Although we were not able to accommodate Ms***’s request, we offered alternative payment assistance, but Ms*** did not agree to the options presented. CashNetUSA strives to provide the ultimate customer experience and although all of the loan information, terms and conditions were fully disclosed to Ms*** in advance of her signing the agreement, we are willing to answer any additional questions she may haveWe ask that she contact our customer service department at 888-801-for assistance. Lastly, we apologize that our agent was unable to answer Ms***’s question about who regulates usCashNetUSA is licensed and regulated by the California Department of Business Oversight. We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide more information, please contact us

Applied for a loan was instructed to send $via *** *** and would have the loan deposited to my account I was then told to send $for state taxes before money would be transferred I let them know I was not sending anymore money to cancel my application and was told I would have it in 7-days The following week was told I wasn't getting a refund and I needed to send a $*** card in order to receive my refund This is a scam and now they will not stop harassing me me There number is 346-***-*** I was trusting and stupid enough to send money I just want them to leave me alone, I realize I lost $and that was my fault and not to trust this "loan company"

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionAs an initial matter, CashNetUSA does not report to the three major credit bureaus: ***, *** and ***However, after carefully
reviewing this complaint, CashNetUSA was not able to locate an account whose information matched the complainantsWe are willing to investigate Ms*** concerns; however, more identifying information (i.eAccount Number, etc.) is needed to verify if there is an accountWe ask that she contact Season *** in our compliance department directly at 773-***-*** for additional assistanceWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

I engaged in an online loan with Cashnet USAUpon getting the loan in 7/2015, I was not advised about the courtesy fee of or more that would be charged to my accountI understood that I would pay interest per day because that is the usual for most loans but to have to pay or more plus interest and my payments are for example per pay periodI automatically pay and then they add in the per day, which may be another dollars and then they put whats left on the loan! That is crazy! And even then the loan amount still fluctuates! It never goes down, You will never get through paying these ppl! I refuse to keep letting them take my check! My payments are getting higher and higher each pay period! I cannot afford this! I have added up all my past payments and I have paid them their loan times over! I am working with a credit repair company trying to get my credit right and after Cashnet takes out every pay period I don't have a lot left for b

I received the attached email This has me angry and very very upsetArrest warrant I'd :- MTR**SSN** which will be going to release on Friday noon pm
Attention
This is the last and final chance for youThis Legal Proceedings issued on your Docket Number EVR-*** with one of Cash net usa IncCompany in order to notify you that after making calls to you on your phone number we were not able to get hold of youSo the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against youCASE NO:BA=*** DOCKET EVR: ***
Amount Outstanding = $ We have sent you this warning notification about legal proceedings of March 8, but you failed to respond on time now it’s high time if you failed to respond in next HOURS we will register this case in courtConsider this as a final warningAnd we will be Emailing/ Fax this issue to your current employer to make sure they take strict against youYour salary wages will be garnishedDo revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against youAnd we apologies that this notification will also sent to your current employerThe opportunity to take care of this voluntary is quickly coming to an endWe would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate actionYou can Email back to get the payment mode too***[email protected]
Attorney Roy M***
EXT.*** We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to $and will be totally levied upon you and that would be excluding your attorney chargesIf you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in futurePlease let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door stepNote : This notice is provided to you on behalf of cash net usa Incand its parent company , and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “cash net usa Related Companies,” “we,” “our,” or “us”)The cash net usa Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, Day Loan, Net loan USA, Fax free Cash, Pay-day one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Pay-day, Personal Cash Advance, Rapid Cash, Sonic Pay-day, Speedy Cash, My Cash Now, National Pay-day, Pay-check Today, Pay-day OK, Cash Central Loans, Cash Net 500,CASH NET USA, Allied Cash, Super ***, Check into Cash, Check Smart, E-z Money Cash America Net, Cash America, Cash America ***, Cash land, Super ***, Cash America Pay-day Advance, or any company-owned MrPayroll locations“You” or “Your” means you as a participant in or as a user of the products and/or services offered by a cash net usa Related CompanyWE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUSLATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORTTERMS & CONDITIONS YOU AGREEDBy electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your recordsRoy M*** (Accounts Dept )
CASH NET USA IncS Wilton Place,
San Francisco, CA-Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, U.S.C2510-and intended only for the use of the individual or entity to which it is addressedAny review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibitedIf you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this messageThank you for your co-parsonThank you !

After Hurrican Florence, I applied for a loan to help with an emergency which arose with losing my houseWhen filling out the paperwork online I was prompted to speak with customer serviceAfter, speaking with *** I was promised the loan I applied for was to he a monthly loan for my papymet planAfter realizing after received confirmation emails yesterday, my loan was entered as Bi weekly after being promised it was monthly and the amount of interest charged is also incorrectI'm being charged 325% instead of the cheaper rateIt was explained to me that it was appreciated when I applied for loan a chance to help a Hurrican Florence Evaccuee to get into a stable environmentI was lied to about the how much would be due and also the frequency of the paymentsDue to my situation I completely understand I was taken advantage ofAfter speaking to a manager it was said again that they understand the promblem at hand but...they would be able to help me due to the fact I spoke with

On July 5, I contacted the company to request a payment postponement for the July 8th payment and was contacted via email later that afternoon & was informed that could be done, however a double payment would be due July and confirmation of this would need to be okayed by July 6thI sent THREE emails giving consent on July 5th at 2:pm, 2:49pm and again at 7:26pm just to ensure they received my consentHowever, a withdrawal of $was still processed today overdrawing my account and causing me to pay overdraft fees which was the entire reason I requested a payment extension originallyI I have contacted the Revdex.com, the *** ***'s officer for consumer protection and the *** *** *** *** to file a complaint against Cashnetusa for blatantly ignoring my requestThe company cannot say that they never received my emails because it is the same email address that I had used to send the original email requesting the postponement

This Company took money out of my Bank account three months earlier than they should have; and worst took out four times the amount that was agreed upon for a payment agreementThis in turn caused my checking account to get NSF charges, up to four of them, and still countingI have tried communicating with them, though they have asked me for faxes showing the NSF charges they have still failed to act on reversing any charges or putting my money back in my accountNor have they reversed the total sum I originally borrowed from them that I don't even owe until next month
I am baffled as to why they have costed me so much, and why they have made me all these promises that clearly they are not keepingThey have actually caused me financial ruin
I have lost my trust in them

I paid the loan off 02/03/16, the payment cleared my account and they are saying I still owe moneyI paid with my debit card $on 02/03/

Initial Business Response /* (1000, 5, 2015/07/07) */
Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution
This is fraud and CashNetUSA is not responsible for or participating in the complained
conduct
The phone number listed in the complaint, XXX-XXX-XXXX does not belong to, nor is it used by CashNetUSA
CashNetUSA does not employ an individual known as "*** ***
On June 2, 2015, or records indicate that Ms*** applied for a loan with CashNetUSAHowever, we were unable to provide Ms*** with financial services; Ms*** was advised of this by our Application Support DepartmentAn email advising Ms*** on the reasons for her denial was sent to the email on file on June 7,
Ms*** contacted CashNetUSA on July 2, to determine if her eligibility to apply for a loan had changedAfter review of the information on file Ms*** was advised that she continued to be ineligible for financial services with CashNetUSAAn email advising Ms*** on the reasons for her denial was sent to the email on file on July 5,
On July 3, 2015, Ms*** contacted CashNetUSA and advised us of her experience with fake lendersMs*** was advised that she was ineligible for financial services and educated on fake lendersEmail follow up regarding this contact, including important information and tips regarding fraudulent lenders, was sent to the email address on file
CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lendersThese persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers
CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loanCashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loanTherefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer
CashNetUSA did not receive $from Ms*** and therefore cannot honor her refund requestWe apologize for the confusion and inconvenience this matter may have caused Ms***
We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us
Initial Consumer Rebuttal /* (2000, 7, 2015/07/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Just for future references

An unauthorized payment was taken out of my bank account of $on 2/1/which caused for my account to be over drafted and fees came along with that from my bankWhen in contact with this company I made them aware that the payment was to be taken out on 2/10/as my pay dates had changed since I obtained a new jobWhen corresponding with customer service as they requested I let them know ahead of time my dates and contacted them when they told me to changeI did just that, and the payment still was not changedI am accruing overdraft fees and do not have the money to have my account in the positiveThis is a huge inconvenience on the part of this company as I did my part to make sure all lines of communication was clear, and they had no authorization to take this payment out, and I have several repercussions from this with my bank as well as with the bills and things that I already have to pay and now I am in the negative due to an unauthorized payment coming outThe o

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution.After a careful review, we have determined that CashNetUSA is not associated in any way with the persons or practices referenced in this complaint
It appears that the persons contacting Ms*** are fraudulently using our trade name in an attempt to extort money from her by claiming to offer consumer loan services in exchange for a payment(s) made in advance On December 2, Ms*** submitted an application to CashNetUSAOur review of her customer file revealed that we could not provide a cash advance to Ms***We do not believe Ms*** is dealing with someone from CashNetUSA because we do not require or request a payment in advance in exchange for a loan.While we sympathize with Ms***’s situation, we cannot take action because the complaint is not related to CashNetUSABased on the nature of the complaint, we recommend that she follow the link below to the Federal Trade Commission’s web site for information on how she can protect herself against this type of activity.http://www.consumer.ftc.gov/articles/0078-advance-fee-loansWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

Cashnetusa scammed usThey did a fake deposit in our checking accountThey said it was to improve our credit score then we would be able to get our loan After waiting for days we never got our loan They have our bank account information and I'm afraid they will take our money out of our checking account How can we stop this

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn July 7, 2015, Ms*** opened a $1,Flex Loan Plan Account with CashNetUSABefore she became bound by the agreement, CashNetUSA
disclosed the interest, fees, and charges to be charged under the flex loan planMs*** signed her Flex loan agreement stating she understood and agreed to the terms and conditions associated with the flex loan planThe interest and fees applicable to her flex loan credit plan were clearly set forth in the agreement supplied to Ms*** when she opened the account. Over the course of Ms***’s relationship with CashNetUSA she has requested and received numerous advancesMs*** always has the option to pay more than the minimum payment or make additional payments without any penaltyAs set forth in Ms***’s Flex Loan agreement, interest will be charged each day on the principal that is scheduled to be outstandingWe do not charge interest on fees or accrued interest (no compounding).The daily periodic rate applied to his account is 0.00657%The corresponding Annual Percentage Rate is 24.00%As set forth in Ms***’s Flex Loan agreement a customary fee is an account administration fee of 0.69% that is based on the daily principal balance and the number of days outstandingMs*** will be required to make minimum payments every billing period she carries a balanceThe minimum amount due on each due date will be the greater of 5% of the outstanding Principal Balance plus all fees and accrued interest or $35, not to exceed the account balanceThe due date and minimum payment amount will be shown on each periodic billing statementIn addition to disclosing the charging structure from the outset, we keep our customers informed by supplying periodic statementsAmongst other loan details, the due date, minimum payment amount, and account balance are shown on each periodic statementWe value Ms*** as a customer. As such, we have been in touch with her and have worked out a payment arrangement that suits her circumstancesIf Ms*** has any outstanding questions or concerns, we ask that she please contact our compliance department at 888-801-extfor assistance We hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us