Cashnetusa

Complaint: 11969910
I am rejecting this response because: On February 2nd, when I spoke with customer service, my complaint was not resolved at all. I did not want the payment reversed as it would take 3-5 business days to be reversed which would take me to the original due date. I was very clear with Customer Service when I spoke to them on 2/2/2017, that I was not at all satisfied at the level of response, customer service and willingness to fix this issue that I received. Not only did I receive Horrible customer service, with this very response it shows that my issues and concerns were not properly documented. I had asked if the issue happened frequently and the customer service rep told me that it did, not everyone is as attentive to their accounts as I was. There was nothing more that they could do with the payment, so I declined the reversal proposal. I am in no way shape or form satisfied with the outcome of my complaints/interactions with this business and made that very clear on 2/2/2017 when I spoke with them. I still would like to settle and part ways with this company and their response to the complaint further proves my point as to why I need too. I again spoke to this company on 2/9/2017 and was on the phone with them for hours as my account had reflected the payment of $254 not being there, after I had received confirmation of the payment. I dealt with about 4 different reps and a manager, all but 1 person was very rude and did not help at all. They all had different stories with different approaches and I had no resolve until they called my bank a second time to speak with them to see if the payment had went through. After I sent all types of verification and had them speak to a rep from my bank prior. Once again, I voiced that I was not at all satisfied with the customer service and response to the issues. I felt insulted and the rep from my bank felt the same as well. I feel as though the calls were not properly documented or recorded, if they were when going back through the records one would know that I was not at all satisfied with any of the outcomes from the last 8 days! When transferring me to different departments they just told me story by word of mouth never said that calls or anything were on a recorded line, so how can one prove my level of satisfaction without proper documentation of such?
Sincerely,
Adrienne [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 conduct. CashNetUSA is not associated in any way with the...

persons referenced in this complaint who are posing as consumer lenders. These 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. Ms. [redacted] was a former customer; however she does not have an account balance with CashNetUSA. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan.  While we sympathize with Ms. [redacted]’s situation, we cannot take action because the complaint is not related to CashNetUSA. We recommend that he 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.

Thank you for forwarding the customers correspondence to our attention. After carefully re-examining this case, we have decided to honor the 50% off discount in this instance. The discount will be applied to the finance charge of $1,590.84. However, the loan must be paid in full to receive the rebate, and it shall be paid via bank account ACH credit upon full repayment of the loan.  We sincerely apologize for any confusion this matter has caused Ms. [redacted]. If there are any outstanding questions, we ask that she please contact our compliance department at 888-801-9075 ext. 5063 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 March 23, 2013, Ms. [redacted] opened a $2,000.00 limit Line of Credit through CashNetUSA (CNU). Over the course of the business relationship with CNU, Ms....

[redacted] took several advances and made payments, either minimum payments or payments in full, throughout various times on her account.  According to our records, Ms. [redacted] requested assistance with her payments in December 2013.  Both parties worked out a monthly payment arrangement on December 16, 2013 for an agreed-upon outstanding balance of $3,166.34. The first due date of the plan was scheduled on January 31, 2014 with a final due date of December 31, 2014. Ms. [redacted] agreed to make the payments using [redacted]. CNU has received the following payments as of December 20, 2016. $166.34 January 31, 2014 $50.00 March 3, 2014 $50.00 April 30, 2014 $1.91 May 21, 2014 Based on our review, Ms. [redacted] has failed to satisfy the payment arrangement, thus leaving her account with an outstanding balance of $2,898.09. CashNetUSA values Ms. [redacted] as a customer and strives to provide the ultimate customer experience. As such, CashNetUSA would be happy to work out an arrangement that would accommodate Ms. [redacted] financial circumstances. We ask that she please contact [redacted] directly at [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.

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 conduct. CashNetUSA is not associated in any way with the...

persons referenced in this complaint who are posing as consumer lenders. These 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. On December 5, 2011, Mr. [redacted] applied for financial services through a third party marketer; however, Mr. [redacted] never received a loan. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan.  While we sympathize with Mr. [redacted] situation, we cannot take action because the complaint is not related to CashNetUSA. 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 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.

Thank you for
forwarding this customer complaint. We take all complaints seriously and make
every effort to implement a fair and satisfactory resolution. A review of the
customer file indicated that this complaint has been satisfactory resolved.On October 12,
2015, [redacted] applied and was...

approved for a $200.00
payday loan with CashNetUSA.On October 15,
2015, [redacted] contacted our customer service department to inform us that
the she had not received the funds in her bank account. As such, CashNetUSA explained
that it would receive confirmation of the deposit from her bank within two (2)
business days of the initial deposit. In addition, CashNetUSA confirmed that it
had not changed and/or updated any of the information entered on the
application.On October 16,
2015, CashNetUSA received notification from [redacted]’s financial institution
that the payment returned due to the bank not being able to locate the
account.On October 18,
2015, [redacted] updated her banking information and reapplied for a payday
loan.On October 19,
2015, [redacted] was successfully funded a $200.00 payday loan.We hope that this
resolves this complaint and answers any questions that your office has. If we
can provide any additional information, please contact us. Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Thank you for forwarding this customers correspondence to our attention. As previously mentioned, according to our records, Ms. [redacted] was funded a $1,000.00 advance on April 22, 2016. A confirmation email was sent to Ms. [redacted]’ email address on file advising her of the request for an advance. On May 23, 2016, Ms. [redacted] reported that she was the victim of Identity Theft/Fraud. As such, we advised Ms. [redacted] to please contact our fraud department and provide a copy of a police report to assist our investigation of this claim. Unfortunately, CashNetUSA has not received the requested documentation. Since Ms. [redacted] asserted that her police department advised that a police report is not needed to address her ID theft claim, as an alternative, we ask Ms. [redacted] to kindly provide the name and telephone number of her local police department so that we may address her concerns. 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 customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.  On September 12, 2016, CashNetUSA arranged a $350.00 CSO (Brokered) loan for Mr. [redacted]. He signed his loan agreement acknowledging that he...

understood and accepted the terms and conditions associated with the loan. On September 29, 2016, Mr. [redacted] contacted our Customer Service Department and requested to refinance his loan for an additional term. Unfortunately, we were not able to honor his request. We explained to Mr. [redacted] that we require at least two business days advance notice of the scheduled due date to process a request to refinance, therefore, we could not process his request. Our records indicate that we advised Mr. [redacted] that refinance requests must be received at least two business days prior to the due date. Amongst other details, this information was communicated to Mr. [redacted] via a payment reminders sent to his email at [email protected] on September 23, 26, and 28 2016. On September 30, 2016, the full balance of $442.89 was due. Contrary to Mr. [redacted]’s assertion, our records do not indicate that we attempted to debit his bank account prior to the due date of September 30, 2016. At this time, Mr. [redacted] does not have an account balance with CashNetUSA. Based on our review, nothing has come to our attention that causes us to believe that we have applicable regulations or standards. Please offer our apologies to Mr. [redacted] for any confusion caused. We urge him to contact us should he have any outstanding questions or concerns regarding his account. 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: I did not take out a loan with Cash net. I will be filing a police report regarding this matter. Thank you?
Sincerely,
Samantha [redacted]

Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.On October 13, 2015, Ms. [redacted] was funded an $800.00 installment loan. Ms. [redacted] signed her loan agreement stating she understood and agreed to the...

terms and conditions associated with the installment loan. Ms. [redacted] has questioned how the rebate coupon is applied. On October 12, 2015, prior to her loan being funded, Ms. [redacted] contacted CashNetUSA via email and provided the details of how the coupon operated. Ms. [redacted] was advised that the coupon is applied as a rebate. The rebate will be applied on the first two Installment payments according to the payment schedule, following the full successful repayment of the installment loan.  CashNetUSA strives to provide the ultimate customer experience and understand there may be some confusion. As such our compliance department will be more than willing to address her concerns and therefore we ask that she please contact our compliance department at 888-801-9075 ext. 5063.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.

Initial Business Response /* (1000, 5, 2015/04/20) */
Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
Our records indicate that Ms. [redacted] is an active customer with CashNetUSA. On October 2,...

2013, CashNetUSA funded Ms. [redacted] a payday loan in the amount if $255.00. The loan was successfully paid in full on October 16, 2013 as per the contract. This was the second and final loan issued to Ms. [redacted]
Our records indicate that the last email sent to Ms. [redacted] by CashNetUSA regarding her account was sent on May 19, 2014. CashNetUSA has no record of receiving an incoming email from the email address on file for Ms. [redacted] However, to best assist Ms. [redacted] CashNetUSA has updated Ms. [redacted]'s contact preferences to prevent marketing emails and calls regarding our products.
On April 20, 2015, our Compliance Department reached out to Ms. [redacted] regarding her compliant. Ms. [redacted] to assist us with our investigation forwarded the email communication in question. After review of the email received by Ms. [redacted] we were able to confirm that the she was contacted by a fraudulent lender. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These 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 has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from contacting the consumer.
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 12, 2016, Ms. [redacted] opened a $900.00 limit Line of Credit with CashNetUSA. Before she entered the agreement, CashNetUSA provided the...

applicable disclosures and Ms. [redacted] then signed her agreement acknowledging that she understood and accepted the terms and conditions associated with the Line of Credit. On January 11, 2017, Ms. [redacted] submitted documentation to update her pay frequency on her account with CashNetUSA. After a careful review, our records show Ms. [redacted] spoke with one of our customer support team managers on February 2, 2017 and her complaint was resolved in a way that was found satisfactory by all parties involved. At CashNetUSA we strive to provide the ultimate customer experience and we will further look upon ways to improve our services. If Ms. [redacted] has any outstanding questions or concerns, she may 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 customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. According to our records, on January 23, 2014, CashNetUSA originated a $450.00 payday loan for Ms. [redacted]. The account became delinquent, and the...

account was eventually sold to a third-party collection agency, [redacted]), on February 25, 2015. Inquiries regarding this debt should be directed to [redacted] – their contact number is 800-[redacted]. After transferring the rights to your account to [redacted], CashNetUSA has not attempted to contact you or collect the then outstanding balance on your account. At CashNetUSA, it is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA). We urge Ms. [redacted] to visit the following URL for information about her rights under the Fair Debt Collections Practices Act (FDCPA).https://www.consumer.ftc.gov/articles/0149-debt-collection   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.

I [redacted] was on the internet when saw an ad for loans with cashnetusa I filled out the loan application and was told that I was approved by Jeff Austin at 512 856-7319 he told me the wire $325 and I would get $3000 loan Jeff told me to wire the money to Roy Jet Li in Manyland I did and he said the loan would be desposited in my account in 2 hrs. it wasnt I call Jeff back and was told that I would has to pay another $235 dollars for taxes on the loan. I was instructed to send it to Gina Malwani in Nevada and I did. Jeff said in 2hrs. the money would be in my account and it wasn't. when I called Jeff the third time about the loan he said they need another $135 dollars to unlock my account. I ask Jeff for a refund of my money and was told that they can't do it i'm out of $600 dollars can you help thank you