eMoneyUSA Holdings, LLC

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Assumed Answered]
Complaint: ***
I am rejecting this response because:This business has violated the Ohio Short Term Loan Act along with violating the Fair Debt Collection Practices ActAlong with slander of my name, by making unfounded accusationsThey have no idea what is the deciding factors in filing bankruptcy or when a person will decide to file bankruptcyThey do not know my financial circumstances and do not need to knowI am in the process of taking the emails I have received from them along with their responses to my complaints to a personal attorney for damagesThis is complete harassment by a debt collector and very much illegal
Regards,
*** ***

After reviewing this situation, it is extremely upsetting to have received this complaint. In our opinion, this transaction may be one of the most egregious cases of financial fraud we have seen. Then to have it followed by a complaint is almost beyond words. Below we have provided the facts to the...

case, and you will see that Ms. [redacted] is not truthful. On Wednesday, March 28, 2018, we assisted Ms. [redacted] to secure a $400 loan. The money was deposited into her account at USAA Federal Credit Union ending in [redacted]. Her first payment was scheduled for Friday April 6, 2018 for $100.14. On Tuesday, April 3, 2018, 6 days after providing Ms. [redacted] this loan, she emailed our office indicating she was in the process of filing bankruptcy and provided her attorney's name and number. She stated she wanted to revoke her ACH. Our office instructed her to please follow the proper steps outlined in her contract to revoke her ACH. Ms. [redacted] never provided us a signed written consent.  Our office did proactively reach out to Ms. [redacted]'s attorney who informed us Ms. [redacted] had not filed for bankruptcy and there is not a case number. In our opinion, filing personal bankruptcy is not a knee-jerk decision. Therefore we are confident that on March 28, 2018 when Ms. [redacted] started this loan she knew at that time she had no intention of paying this loan back. This is made evident by the fact that just six days later she contacts us attempting to revoke her ACH and alerting us that she is filing for bankruptcy. It is indeed not against the law to take out a loan and not pay it back. However, in this case, it’s our opinion Ms. [redacted] fraudulently took out this loan, and at the time she took the loan out she had no intention of paying it back. We would much appreciate the agency's assistance in encouraging Ms. [redacted] to return the $400. We are happy to waive all fees and interest. Based on the circumstances of this financial transaction we feel this is an incredibly generous resolution based on the ethics of the case. If the matter is unresolved before a bankruptcy filing (assuming it is true that Ms. [redacted] will eventually file for bankruptcy) we feel that this case lends itself well to file an objection to discharge based on fraud.