Cashnetusa

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn July 11, 2016, Ms*** opened a $limit Line of Credit with CashNetUSABefore she became bound by the agreement, CashNetUSA disclosed
the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances, Paying Interest, and FeesMs*** then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the Line of CreditIn addition, the fees and interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to her (via email) when she opened the accountIn 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 statementOn July 12, 2016, per Ms*** request she was funded a $advanceOn September 1, 2016, Ms*** paid her full account balanceTherefore, at this time, she does not have an account balance with CashNetUSAContrary to Ms*** assertion, our review of the recorded conversation found that our representative was friendly and professional and at no time was she informed that no fees would be chargedBased on our review, we found no breach in our process that would justify refunding Ms*** advance feeWe value Ms*** as a customer. As such, we would be more than willing to address any outstanding questions or concerns. We ask that she please contact our compliance department at *** ext*** for 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

Complaint:
I am rejecting this response because: I tried calling laura chavez telephone it says a digit extension which is not the telephone number I dialedPlus it does not say lauras name or cashnetusaWhat is going on
Sincerely,
Carol ***

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, the telephone number *** does not belong to and is not used by CashNetUSAThis 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 complaintAccording to our records, Ms*** has applied numerous times, however we were unable to approve her applicationCashNetUSA is not attempting to obtain money from Ms*** to secure a loan, and has no knowledge of the calls that Ms*** mentions in her complaint. While we sympathize with Ms***’s 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 herself 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 resolutionBased on the description of the complaint, it appears that Ms*** complaint centers on the hold time she received when trying to contact
our customer service department, and a rebate that she believes she should have received upon full repayment of her previous loanPlease note, Ms*** concerns were elevated within in our internal resolution process and she was advised that a rebate was previously submitted after the full payoff her loan on July 11, 2017, in the amount of $for her loan that was funded on February 23, Further, she was advised of her payoff amount for her current outstanding loanWe apologize for the inconvenience this matter may have caused Ms***Should she have any additional questions regarding her account, we ask that she please contact our customer service department directly at 888-801-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

Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** No, I did that because no one ever offered me a payment plan and when I asked, why? Cashnet floor manager tols me that they only send out extensions not a payment plan. Yes, I did stop payment on this account, because this was a scam. I lost more that , so that is that. Take it from all the money you all received for extensions and give me my change. Now, how agout that? Your contract only has extensions not a payment plan. I am totally disable and Cet USA should be a shame for the way they are doing peopl, everyone should know that they offer a payment plan, I am sure the customers would rather know that they could make a payment plan that to pay for extension with extra fees. I can assure you, we would

Thank you for forwarding the customers correspondence to our attention.As previously mentioned, CashNetUSA disclosed the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and Payment Schedule from the outsetMr*** then signed his loan agreement stating that he accepted the terms and conditions associated with the installment loanSince our last response, we have worked with Mr*** to arrange a plan that suits his circumstancesIf Mr*** has any outstanding questions or concerns concerning this matter, we ask that he please contact our Customer Service Team at 888-801-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 complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionBased on the description of the complaint, it appears that Ms***’s complaint centers on a rebate that she believes she should have received upon
full repayment of her loanOn May 31, 2017, CashNetUSA arranged a $2,Installment loan for Ms***Before she entered into the agreement, CashNetUSA disclosed the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and the Payment ScheduleMs*** then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loanOn November 15, 2017, Ms*** paid off the full account balanceOn November 20, 2017, when she contacted us about her rebate, she was advised that a promo code was never appliedHowever, Ms***’s concern was elevated within our internal resolution process and we honored the rebate as a onetime courtesy. For future reference, promo codes/coupons must be applied during the application process or within business days of fundingIf Ms*** is unsure if the promo code has been applied, we ask that she please contact our customer service department at 888-801-for assistanceWe apologize for the confusion 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

Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, CashNetUSA does not provide financial services to residents of Vermont. After 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 conduct. CashNetUSA is not associated in any way with the persons referenced in this complaintWe are not attempting to contact Mr*** and have no knowledge of the emails that Mr*** mentions in his complaint. CashNetUSA has not attempted to contact Mr*** regarding a loan and any disbursement of funds as we do not have an account under his name or the contact information that he provided in our system Based on the details of the complaint, it is clear that Mr*** has been contacted by fraudsters falsely posing as consumer lenders. While we sympathize with Mr***’s situation, we cannot take action because the complaint is not related to CashNetUSAIf Mr*** suspects that he is being contacted by a fraudulent entity we recommend that he follow the link below to the Federal Trade Commission’s web site for information on how he 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

Complaint: 11733980
I am rejecting this response because:
Sincerely,
Alice [redacted]

Thank
you for forwarding this customer complaint. We take all complaints seriously
and make every effort to implement a fair and satisfactory resolution.On
October 29, 2015, [redacted] was funded a $2,600.00 installment loan with
CashNetUSA. [redacted] signed her loan agreement stating that she...

agreed
to and accepted the terms and conditions associated with the personal
installment loan. [redacted] agreed to the following amortization schedule when she signed her
installment loan agreement:Payment No. Amount of Payments When Payments Are
Due1 $219.27 11/13/20152 $219.27 11/30/20153 $219.27 12/15/20154 $219.27 12/31/20155 $219.27 01/15/20166 $219.27 01/29/20167 $219.27 02/12/20168 $219.27 02/29/20169 $219.27 03/15/201610 $219.27 03/31/201611 $219.27 04/15/201612 $219.27 04/29/201613 $219.27 05/13/201614 $219.27 05/31/201615 $219.27 06/15/201616 $219.27 06/30/201617 $219.27 07/15/201618 $219.27 07/29/201619 $219.27 08/15/201620 $219.27 08/31/201621 $219.27 09/15/201622 $219.27 09/30/201623 $219.27 10/14/201624 $219.27 10/31/201625 $219.27 11/15/201626 $219.27 11/30/201627 $219.27 12/15/201628 $219.27 12/30/201629 $219.27 01/13/201730 $219.27 01/31/201731 $219.27 02/15/201732 $219.27 02/28/201733 $219.27 03/15/201734 $219.27 03/31/201735 $219.27 04/14/201736 $219.27 04/28/201737 $217.81 05/15/2017On November 25,
2015[redacted] contacted our Customer Service Department to schedule a
payment of $219.27 on November 27, 2015. According to Ms. [redacted], she was
scheduling the payment on November 27th to cover her next installment payment
which was contractually due on November 30, 2015.  On November 27,
2015, $219.27 was successfully collected.On November 30,2015, we attempted to debit $7.57 due to a technical error - which has
now been fixed. We pride ourselves
on looking after our customers by attempting to resolve any issues in a
straightforward, efficient, and amicable manner – we put our customers first.
We have ensured that the account reflects the appropriate balance, and are applying
a credit of $50 toward the next installment payment for the error.In addition, we are
willing to reimburse any bank fees Ms. [redacted] may have incurred due to our
debit. We ask that she please submit via email, or fax, a bank statement
outlining the fees she incurred to:Fax: 877.897.1533 Email: [email protected] apologize for the inconvenience this matter has
caused, and hope Ms. [redacted] is satisfied with the resolution of her issue. We
hope that this response resolves this complaint and answers any questions that
your office has. If we can provide any additional information, please contact
us.

Complaint: [redacted]
I am rejecting this response because: they are lying. I told them that they are set to take the money one day be fore my pay date. I returned the money in 48 hours I would have returned the month the same day but there system would no let me. I was also told tht they only way they would give me more time is to sing up for check care. I pay the money 150 back and I did not approve them taking the 20$. I did make the payment of 20$ they took it with out connect. 
Sincerely,
Hector [redacted]

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On June 15, 2017, Ms. [redacted] was funded a $1,000.00 Installment loan with CashNetUSA. Before she entered the agreement, CashNetUSA disclosed...

the Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and the Payment Schedule. Ms. [redacted] then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the installment loan. On July 14, 2015, Ms. [redacted] paid off the full account balance. Ms. [redacted] states in her complaint that she applied a rebate coupon code to her Installment Loan. However, according to our records, no coupon code was applied. At CashNetUSA, we pride ourselves in resolving any and all customer concerns in an effective and amicable manner - we put our customers first. As a one-time courtesy, we processed a rebate in the amount of $18.10 to Ms. [redacted]' bank account. We ask that she please allow 3-5 business days for the transaction to complete. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Complaint: [redacted]
I am rejecting this response because: Yes I have honored all payments . I would like to ask  that the payments I have made be considered paid in full. I did not realize that is was like paying back triple in interest . At this time I do not have the money to keep paying . I am sorry I didn't catch how out high the interest was. Thank you so much for talking with me. 
Sincerely,
Angie [redacted]

Thank you for forwarding the customer’s correspondence to our attention. Unfortunately, we cannot honor Ms. [redacted]’ desired resolution based on the reasons provided. If Ms. [redacted] will not have the money to satisfy an upcoming payment, we ask that she contact us via phone or email at least two business days before her upcoming payment to inquire whether she may eligible for a payment arrangement. Alternatively, is she is experiencing severe financial hardship, she may wish to seek advice from an accredited Consumer Credit Counseling Service. We have a process in place to deal with customers that enroll in accredited Credit Counseling Programs. CashNetUSA values Ms. [redacted] as a customer and strives to provide the ultimate customer experience therefore; we ask that she contact our Customer Service Team at [redacted] for assistance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide more information, please contact us.

Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. On January 23, 2018, Ms. [redacted] was funded a $300.00 Payday loan with CashNetUSA. She signed her agreement...

acknowledging that she accepted the terms and conditions associated with the loan. Further, Ms. [redacted] signed an Automated Clearing House (ACH) authorization allowing debits to her account. On February 21, 2018, Ms. [redacted] requested to schedule a payment plan. However, due to an administrative error, Ms. [redacted]’s request was not executed properly and as a result; she was debited for the full account balance. However, according to our records, CashNetUSA reversed the erroneous debit transaction, thereby, refunding her the amount debited.  Further, CashNetUSA credited an additional $104.00 towards her account balance for the NSF fees incurred on her bank account. Based on our review, it appears Ms. [redacted] has a scheduled a payment arrangement for the account balance. We apologize for the inconvenience this matter has caused Ms. [redacted]. If Ms. [redacted] has any additional questions or concerns regarding her account we ask that she please contact our customer service department at 888-801-9075 for assistance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On January 24, 2018, Mr. [redacted] was funded a $800.00 installment loan with CashNetUSA. Before he entered into the agreement, CashNetUSA disclosed the...

Terms and Conditions associated with the loan, including the Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments and the Payment Schedule in the form of Truth in Lending Disclosures. Mr. [redacted] then signed his loan agreement acknowledging that he understood and accepted the terms and conditions associated with the installment loan for which a copy of was provided to him via email. To address any confusion about the ability to make an early payoff, please note Mr. [redacted] always has the option to make extra payments or repay the amount outstanding in full at any time without penalty. We apologize if Mr. [redacted] was not happy with the services he received when trying to address his concerns. CashNetUSA strives to provide the ultimate customer experience and will further look upon ways to improve our services. Based on our review, Mr. [redacted] attempted to make a payment on his Father’s account. However, CashNetUSA values the privacy of all our customers and we maintain procedural safeguards to ensure our customers privacy; accordingly, we would not discuss the specific details of the account without the account holder’s permission first.   Mr. [redacted]’s account was under review, therefore at that time, we were unable to accept the payment. On March 13, 2018, Mr. [redacted] paid $875.00 via debit/credit card. At this time, there is a remaining balance of $39.29. Again, we apologize for the inconvenience this matter has caused Mr. [redacted].  CashNetUSA values him as a customer and strives to provide the ultimate customer experience; therefore, we have waived the remaining balance of $39.29. If Mr. [redacted] has any outstanding questions regarding his account, we ask that he please contact our Customer Service Team at [redacted]or assistance. We hope that this response resolves this complaint and answers any questions your office has. If we can provide any additional information, please contact us.

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On November 27, 2017,  CashNetUSA originated a $150.00 Payday loan for Mr. [redacted] with a maturity date of December 6, 2017. Before he...

entered into the agreement, CashNetUSA provided amongst other loan details, the applicable disclosures, due date, and steps to take to exercise the right to rescind the loan. Mr. [redacted] then signed his agreement acknowledging that he understood and accepted the terms and conditions associated with the Payday loan. Further, Mr. [redacted] signed an Automated Clearing House (ACH) authorization allowing debits and credits to be made through his bank account. For details regarding rescission, we urge Mr. [redacted] to refer to the section labeled RESCISSION on the copy of the agreement that was provided to him at [email protected] when the loan was approved. Based on our review, Mr. [redacted] exercised his right to rescind, but he requested that CashNetUSA collect the principal amount on December 21, 2017 – a date that falls outside of the rescission deadline.  Because Mr. [redacted] requested additional time to return the principal, CashNetUSA advised him that if he needs additional time to pay, he may wish to enter in a 60-day Grace Period Deferment Agreement. According to our records, Mr. [redacted] made a payment of $150.00 on November 30, 2017, and a second payment of $20.00 on December 6, 2017. At this time, this loan is paid in full. CashNetUSA strives to provide the ultimate customer experience. Should Mr. [redacted] have any additional questions regarding his account, we ask that he please contact our customer service department directly at 888-[redacted]. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Complaint: [redacted]
I am rejecting this response because:This response in no way addresses my complaint. Yes, I am now aware of the of the current financial agreement. My complaint is concerning the fact that I paid off a loan to receive a new loan and the was told the new loan would be available to me the following business day. IT WAS NOT!! And I suffered penalty fees which I would not have acquired had I NOT paid off the previous loan. The company representative gave incorrect information and even after CashNet reviewed the recorded phone phone call and agreed I was given bad information, I was given no offer of assistance!!
Sincerely,
Trena [redacted]

Thank you for forwarding this customer complaint. We 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 about conduct. CashNetUSA is not associated in any way with...

the persons referenced in this complaint. According to our records, on November 14, 2016, Ms. [redacted] has applied numerous times, however we were unable to approve her application. CashNetUSA is not attempting to obtain money from Ms. [redacted] to secure a loan, and has no knowledge of the calls that Ms. [redacted] mentions in her complaint.  While we sympathize with Ms. [redacted] situation, we cannot take action because the complaint is not related to CashNetUSA. If Ms. [redacted] 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 herself against this type of activity. http://www.consumer.ftc.gov/articles/0078-advance-fee-loans We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
Mickey [redacted] I only took out $500.00 and already paid.04/17/2017ACH Share Withdrawal / CASHNETUSA 1 [redacted] CASHNETUSA 1 PAYDAYADV 170416$110.1305/31/2017