Cashnetusa

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 is not associated in any way with the persons referenced in this complaintThis is fraud and CashNetUSA is not responsible for or participating in the complained conductCashNetUSA is not attempting to collect any money from Mr [redacted] and has no knowledge of the situation that Mr [redacted] mentions in his complaintFurther, CashNetUSA does not have any entity attempting to collect a loan on our behalf According to our records, Mr [redacted] has applied for financial services with CashNetUSA, however we were unable to approve his applicationHowever, while we sympathize with Mr [redacted] ’s situation, we cannot take action because the complaint is not related to CashNetUSAWe 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/0258-fake-debt-collectors 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 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 Mr [redacted] and have no knowledge of the calls that Mr [redacted] mentions in his complaintCashNetUSA has not attempted to contact Mr [redacted] 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 systemBased on the details of the complaint, it is clear that fraudsters falsely posing as consumer lenders have contacted Mr [redacted] While we sympathize with Mr [redacted] ’s situation, we cannot take action because the complaint is not related to CashNetUSAIf Mr [redacted] suspects that she 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

Thank you for forwarding this complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionAs an initial matter, CashNetUSA is not associated in any way with the persons referenced in this complaint who are contacting Ms [redacted] It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection businessWe train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA)According to our records, Ms [redacted] submitted an application to CashNetUSA on July 14, Our review of her customer file revealed that we could not provide a cash advance to Ms [redacted] Since we could not provide a cash advance, we would not attempt to collect a debt from Ms [redacted] Based on the description of the complaint, it appears that she is being contacted by a fake entity impersonating CashNetUSAWe have been made aware of fake entities using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us While we sympathize with Ms [redacted] ’s situation, we cannot take action because the complaint is not related to CashNetUSAWe 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/0258-fake-debt-collectors 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

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

[redacted] 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]

Complaint: [redacted] I am rejecting this response because: I asked for proof of myself agreeing to %Apr, they've failed to provide this proof, they've sidestepped the issue completely, yes I've been a costumer for a long time as the business states, because I've been in debt for a long long time souly due to this business, I've paid many thousands of dollars over what I have borrowed and I feel my debt should be settled, I've asked for payment arrangements, they've refused, I'm effectively paying mortgage amounts a month, yo my home, the other to cashnetusa, I'm at the end of my tether and feel like fking topping myself because of you unhelpful bs, is this anyway to treat a veteran? Sincerely, Daniel [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 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've contacted CashnetUSA numerous times, and of those many correspondences that I still have, this is the most information I have receivedCashnetUSA changed the original requested amount on my behalf and changed the amount that I reported I madeThe company then issued that amount to my account and created a contract based on that fabricated informationLaws have not caught up to online lenders that do not report to credit bureausThe word choice CashnetUSA is using in these official responses is strategic to avoid admitting this fact and breech of contract so that it will not be null and void under the lawWhere is the original third party information to show this reported 1500.00? It should not be a scam to run an honest business with honest people who are not out to victimize would be loyal customers Sincerely, Ikea [redacted]

Initial Business Response / [redacted] (1000, 6, 2015/10/14) */ Thank you for forwarding this complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution MsSmith questions the legality of CashNetUSA being able to provide financial services to residents of TennesseeCashNetUSA is licensed to provide a Flex loan under the Flexible Credit ActOur license number is XXXXXXAt all relevant times, our lending, fees, interest, and charges have complied with the applicable laws It should be noted that we stopped offering our payday loan product to residents of Tennessee as of June On July 6, 2015, MsSmith opened a Flex Loan account with CashNetUSA with a credit limit of $1,Contrary to MsSmith's assertion, we do not give financial adviceCashNetUSA advised Ms [redacted] that we have a new product to offer to residents of Tennessee and provided features the Flex loan plan has to offer Before she became bound by the agreement, CashNetUSA disclosed the terms & conditions and the charging structure of the Flex Loan PlanMsSmith signed her Flex loan agreement stating she understood and agreed to the terms and conditions associated with the Flex loanThe interest and fees applicable to her line of credit were clearly set forth in the agreement Over the course of MsSmith's relationship with CashNetUSA, she has taken two (2) advances and made minimum monthly payments on her account, and additional payments without any penalty As set forth in MsSmith's Flex Loan agreement, interest will be charged each day on the principal that is scheduled to be outstandingThe daily periodic rate applied to her account is 0.XXXXX%There is also a customary fee of 0.069% that is based on the daily principal balance and the number of days outstanding during each billing cycle MsSmith 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 are shown on each periodic billing statement CashNetUSA values MsSmith as a customer and strives to provide the ultimate customer experienceAs such, we would be happy to answer any questions she may have regarding her Flex loan planWe ask that she please contact Laura [redacted] directly at 312-754-to address her concerns 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 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 complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolutionOn June 8, 2017, Ms [redacted] opened a $2,limit Line of Credit with CashNetUSABefore she entered the agreement, CashNetUSA provided the applicable disclosures and Ms [redacted] 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 loan 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 statement­­­­­­ Our records do not indicate that we advised Ms [redacted] that all her minimum payments would be $CashNetUSA cannot provide specific dollar amounts for the amounts that would be due throughout the life of the line of credit because the amount due at any given due date will be dependent upon the customer’s usage of the line of credit, including for example whether they made any draws and if so, the amount, and the amount of any payments by the customerOn June 8, 2017, per Ms [redacted] ’s request, she was funded a $2,advanceMs [redacted] always has the option to make additional payments or repay the amount outstanding in full at any time without penaltyAt this time, Ms [redacted] ’s account is delinquent CashNetUSA values Ms [redacted] as a customer; as such if she has any additional questions, we ask that she please contact our customer service department at ###-###-#### directly 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

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 did not change and/or alter the loan agreementCashNetUSA clearly disclosed the terms in the agreement, which were available and provided to her prior to signing the agreement, which also clearly disclosed the payment terms and dates On January 26, 2018, Ms [redacted] was funded an $Installment Payday loan with CashNetUSABefore she entered the agreement, CashNetUSA disclosed the Terms and Conditions associated with the loan, including the Annual Percentage Rate, Finance Charge, Amount Financed, Total of Payments, and the Payment Schedule in the form of Truth In Lending DisclosuresMs [redacted] then signed her loan agreement acknowledging that she understood and accepted the terms and conditions associated with the Installment Payday loanOn January 25, 2018, after review and approval of Ms***’ application, CashNetUSA sent Ms [redacted] a loan approval email, which included an attachment of her signed loan agreement, to the email address on fileBased on our review, nothing has come to our attention that causes us to believe that we have breached applicable regulations or standardsWe urge Ms [redacted] to review the loan agreement provided to her for information regarding her loan termsIf Ms [redacted] has any outstanding questions or concerns regarding her Installment Payday loan account We ask that she please contact our customer service department at ###-###-#### for 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

Initial Business Response / [redacted] (1000, 5, 2015/07/06) */ Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution This complaint has been resolved On June 29, 2015, Mr [redacted] was funded a $ Installment loan with CashNetUSA Subsequently, Mr [redacted] requested to rescind his loan On June 30, 2015, CashNetUSA honored his request to rescind his loan via email; as such Mr [redacted] authorized a debit for the principal payment On July 3, 2015, the principal amount of $was successfully collected from Mr***'s account At this time Mr [redacted] does not have a balance with CashNetUSA 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 the customers correspondence to our attentionFirst and foremost, we would like to apologize for the “Typo” which addressed Mr [redacted] as a “she” It was not our intention to offend Mr [redacted] in any wayAs previously mentioned, Mr [redacted] opened his Line of Credit on November 14, Therefore, it appears that he is familiar with how the product worksFurther, before he entered the agreement, CashNetUSA provided the applicable disclosures, and Mr [redacted] then electronically signed his agreement acknowledging he understood and accepted the terms and conditions associated with the Line of Credit accountAt this time, Mr [redacted] account balance is currentTherefore, he is not eligible for a settlement at this timeCashNetUSA strives to provide the ultimate customer experience and we are willing to work with him to see what options are available to get him back on trackWe ask that he please contact Laura Chavez directly at 312-754-for assistanceAlternatively, if Mr [redacted] is experiencing severe financial hardship, he may wish to seek advice from an accredited Consumer Credit Counseling ServiceWe have a process in place to deal with customers that enroll in Credit Counseling ProgramsWe 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 Business Response / [redacted] (1000, 5, 2015/04/23) */ Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution On February 5, 2015, Ms [redacted] opened a $1,Line of Credit with CashNetUSAMs [redacted] signed her agreement stating that she agreed to the terms and conditions associated with the Line of Credit Ms [redacted] has requested several advances Ms [redacted] has been successfully making minimum payments on her account and maintaining her account in good standing, until the payment due on April 16, On April 16, 2015, CashNetUSA submitted the minimum payment due of $to the bank account on fileHowever the payment returned unpaid by her banking institution due to the bank account being closed Due to her account being past due, Collections activity began on her account beginning on April 20, It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection businessWe train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA)In addition, CashNetUSA has attempted to reach Ms [redacted] only on the phone numbers provided to CashNetUSA by Ms [redacted] On April 20, CashNetUSA attempted to reach Ms [redacted] at the phone number submitted as the home phone number and left a voicemail messageAnother attempt to contact Ms [redacted] , via the work number provided by Ms [redacted] , was made as per FDCPA guidelines on April 20, However CashNetUSA was advised that the phone number was the wrong numberCashNetUSA has appropriately updated Ms [redacted] 's account and no further attempts to reach Ms [redacted] has been made using the number listed as her work number CashNetUSA attempted to contact Ms [redacted] via the home phone number on file on April 21, 2015, April 22, and April 23, Each day only one call was made and a voicemail message leftPlease be advised that since Ms [redacted] 's account has become past due, CashNetUSA has not spoken with Ms [redacted] Our records indicate that the last communication with Ms [redacted] occurred on April 2, 2015, when Ms [redacted] contacted CashNetUSA to determine if she could request a Line of Credit increaseMs [redacted] was appropriately advised that increases are performed manually and cannot be initiated by the customerContrary to Ms [redacted] 's assertions, after review of the call, there was no request to cease communications Our records do not indicate that Ms [redacted] requested that we cease telephone communicationHowever, it appears that Ms [redacted] is requesting to cease telephone communicationsAs such, effective immediately CashNetUSA has ceased telephone communications As of April 23, 2015, Ms [redacted] 's account is past due$210.25, with an account balance of $1,As Ms [redacted] has a Line of Credit, please be advised that interest is applied daily to the outstanding balance, therefore the balance due will increaseWe ask that Ms [redacted] contact our Collections Department directly at XXX-XXX-XXXX to setup payment arrangements and to update the method of repayment to get her account back on track 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 resolutionOn May 5, 2016, Mr [redacted] was funded a $installment loanBefore she became bound by the agreement, [redacted] 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 ScheduleMr [redacted] then signed his loan agreement stating that he accepted the terms and conditions associated with the installment loanAt this time, Mr [redacted] ’s account is current and he has honored all payments to date as agreed uponMr [redacted] is a returning customerHowever, the terms such as the duration of the loan of Mr [redacted] ’s current loan are different from Mr [redacted] ’s previous loan with CashNetUSATherefore, the payments are different.CashNetUSA values Mr [redacted] as a customer and strives to provide the ultimate customer experienceAs such, we would be happy to discuss any concerns he may haveWe ask that he please contact our Customer Support Team at (888) 801-should he wish to get in touchWe hope that this response resolves this complaint and answers any questions that your office hasIf we can provide any additional information, please contact us

my final payoff was and did apply to account of Customer # [redacted] - we were unsure when they would post our payoff - took a different loan at a much lower rate out to pay this off and the certified check that was sent overnight to them was in the amount of the - leave a balance owed us of and they are refusing to refund this back

Initial Business Response / [redacted] (1000, 5, 2015/10/06) */ 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 is not affiliated with the persons referenced in the complaint Our records indicate that Ms [redacted] has applied for financial services with CashNetUSA several times through third party marketing partners; however, CashNetUSA was not able to approve her applicationTherefore, CashNetUSA has never issued a loan to Ms*** CashNetUSA has not attempted to contact Ms***Based on the complaint details it is clear Ms [redacted] has been contacted by fraudulent collectorsCashNetUSA has no knowledge of or control over the conduct of the individuals who contacted Ms [redacted] who are posing as a collection agency or law firmTherefore, and unfortunately, CashNetUSA cannot prevent them from calling Ms*** Ms [redacted] requested her information be deleted from our database; please note her CashNetUSA account has been deactivatedShe will not receive further correspondence from CashNetUSA and will no longer be able to log into her customer profileHowever, CashNetUSA will not be able to honor Ms***'s request to delete her personal details from our internal databaseState and Federal laws require CashNetUSA to retain a record of customer information submitted to us as part of an application for set periods of time However, we can assure Ms [redacted] that CashNetUSA takes seriously its responsibility to protect customer informationMs [redacted] may refer to CashNetUSA's Privacy Policy for more details regarding the collection and use of customer data by following the link below: https://CashNetUSA.com/privacy-policy CashNetUSA values the privacy of all our customers and we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer information 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 / [redacted] (2000, 7, 2015/10/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) In my initial statement, I ALREADY acknowledged that I NEVER obtained a loan from Cashnet USAI am understanding of Federal and State regulationsI have applied for loans DIRECTLY through this companyPlease do not insult my intelligenceThis matter is resolved and I Thank you all for deactivating my profile

$in [redacted] cards paid to allegedly named Cashnet USA online for processing fee for a loanI was scammed because they took my money and I got nothing in return and was told that I could not get a refund

Initial Business Response / [redacted] (1000, 5, 2015/08/12) */ Thank you for forwarding this customer complaintWe take all complaints seriously and make every effort to implement a fair and satisfactory resolution On June 4, 2015, CashNetUSA arranged a $1,CAB Installment loanMr [redacted] signed his loan agreement stating that he agreed to the terms and conditions associated with the CAB agreement On June 17, 2015, Mr [redacted] contacted our customer service department and requested to pay the full balance of $1,on June 18, via Automated Clearing House (ACH) On June 18, 2015, Mr [redacted] paid the full balance of $1,via ACHHowever, due to an inadvertent error, an additional debit of $was collected from Mr [redacted] 's bank account CashNetUSA was not able to process Mr [redacted] 's reimbursement request via ACHTherefore, we advised Mr [redacted] (via email) that a reimbursement of the additional payment of $would be issued to the address we held on file via checkAs such, CashNetUSA mailed a check to the address Mr [redacted] listed on his account profileAt that time, Mr [redacted] did not advise CashNetUSA of his new mailing address Mr [redacted] contacted CashNetUSA in regards to the status of his reimbursement, essentially advising us that the address he has on file is not current and provided his current mailing addressCashNetUSA advised Mr [redacted] that since a check was issued to his old mailing address, CashNetUSA will have to confirm and/or verify the status of the previous check prior to issuing a new check On August 5, 2015, CashNetUSA placed a stop payment on the previously issued check and submitted a new request to issue the check to Mr [redacted] 's current addressWe ask Mr [redacted] to please allow 7-business days for him to receive the check We apologize for the confusion and inconvenience this matter has caused Mr [redacted] As a gesture of goodwill for his experience, we have waived $off of Mr [redacted] 's current CAB loan balance 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