Jora Credit Reviews (%countItem)
Jora Credit Rating
Address: 7701 Las Colinas Ridge Suite 650, Irving, Texas, United States, 75063
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I paid off my loan, except the last payment. I told them I needed to pay from a different account. They keep billing the wrong account.
I've received $172 in overdraft fees. They wont bill my primary bank account. They should have been willing to use alternative bank account info for the final payment. They are requesting screen shots and bank statements to use another account which is PIP, and unnecessary to make a final payment.
I owed $137, and have paid more than that in fees, due to their business practices. I believe my debt has been paid in full.
Contact Name and Title: Stephen ***
Contact Phone: XXXXXXXXXX
Contact Email: ***@joracredit.com
Ms. notified us the evening of March 31 indicating that she needed to change her bank account information for the payment that was due on April 1. However, her email was 5 hours after the cutoff time for payment processing and the payment had already been sent to the processor. We have adjusted Ms. account and emailed her account details to which she has responded with "Thank you for your help. Have a nice day". As such, we consider this matter closed.
This company does not want to work with you in anyway. They set you up for a struggle when you take out a loan. I am having a hard time paying back a loan and they do not want to work with me at all. Its dis heartening because we have had a decrease in income, a death in the family, and I am working two jobs. Start providing some type of relief for your customers. This is shady business.
Ms., we are more than happy to work with you during this time. We did extend 2 of your payments in November, 2 of your payments in December, 2 of your payments in January, 1 payment in February and 1 payment so far in March. One our of account representatives will reach out to you today to see what more we can do to assist you.
My credit line has been increased and I'm being told that I owe money that I never borrowed.
My credit line was originally $1,400 and that is how much I borrowed. As of 12/1/19, I've paid 1,352.59 plus interest. My credit line has been increased to $2,000 and now my account is showing that I owe an additional $730.69. I am being charged for money that I have not borrowed.
I would like my account adjusted to reflect the amount that I actually owe.
Our customer was originally approved for a credit line of $1,400 in December, 2018. They took one cash advance/draw from their line of credit for the full amount of $1,400. In Oct. 2019 we raised their credit limit to $2,000 but they have only been charged interest and fees on the amount they actually borrowed ($1,400). The remaining current principal balance from the $1,400 cash advance is $647.41. Jora Credit does not charge any interest or fees on available but unused principal. The customer has only been *** on the amount of principal that they have borrowed. They have made payments totaling $3,315.90. Those payments have been applied as follows: $2,346.99 to customary fees; $752.59 to principal and $216.32 to interest. In reviewing their payment history, it appears that we have billed their account properly and, again, we do not and have not charged any interest or fees on amounts that they did not borrow from their line of credit.
They raised my credit line to $1,600 and are now charging me for money that I have not borrowed.
I originally borrowed $1,000. As of 12/1/19 I have paid $1,291 plus interest. They are telling me that my current line of credit is 1,600 and that I owe $354.99 (principle amount of 308.15) more.
I want a refund for the amount that I have paid over and I want my account closed. I do not intend to pay back money that I never borrowed.
Ms. was originally approved for a credit line of $1,000 in November, 2018. She took 3 cash advances/draws from her line of credit totaling $1,061.56 ($600 in Nov. 2018, $105 in Dec. 2018 and $356.56 in Jan. 2019). In Oct. 2019 we raised her credit limit to $1,600 but she has only been charged interest and fees on the amount she actually borrowed ($1,061.56). The remaining principal balance she owes from the $1,061.56 cash advances is currently $308.15. *** Credit does not charge any interest or fees on available but unused principal. Ms. has only been charged on the amount of principal that she has borrowed. She has made payments totaling $2,192.61. Those payments have been applied as follows: $1,259.13 to customary fees; $753.41 to principal and $180.07 to interest. In reviewing her payment history, it appears that we have billed her account properly and, again, that we do not and have not charged her any interest or fees on amounts that she did not borrow from her line of credit. Per her request, we have closed her line of credit.
I have called and emailed Jora to change my address and was told they cannot change my address because I live in Illinois.
I have called and emailed Jora to change my address and I keep being told that they cannot change my address because I live in Illinois. I live in Illinois and need my address updated and need it updated now. I find them being very difficult. I took my loan out in Tennessee but moved back to my home stats of Illinois. I have a financial hardship going on and I'm trying to change my address so I can update my information with them. They claim they don't do business in Illinois but I took the loan in Tennessee, what does this have to do with me moving to Illinois.
Update and Change my Address to *** Dr *** XXXXX
Our customer support agent misunderstood the procedures when a customer requests a change of address where they have relocated into a state where we do not lend. The agent should have changed Mr. address without any hesitation. We sincerely apologize for the experience Mr. had when calling our service center. We have used this incident as a training opportunity to review again our procedures related to address changes with our support agents. We have changed Mr. address in our records to the address he provided with this complaint.
I would like for someone from the corporate office to call me in reference to my account being compromised by a supervisor, Will, on November 6, 2019.
The supervisor said his name was Will. He remained in my account when I disconnected the line and made unauthorized changes to my account. I hung up the phone because Will refused to assist me. When I called back the representative stated he would not be able to transfer me to a supervisor unless I gave him my first and last name. My response was *** When the supervisor answered it was Will again. I said I would like to ask for an escalation to a supervisor. Will said I am a supervisor. I said not you another supervisor. Will said Mrs., I'm the only supervisor here. I said who, what? Will said Mrs. I just spoke to you about 5 minutes ago and still has your account open. I said excuse you how is my account still open when I have disconnected the call with you, called back and gave a different name? You were not authorized to be in my account once the call disconnected and I told you I was not pleased with you. Will became speechless. During this whole process nobody verified my account and began discussing the account. I recorded the conversation and the complaint that I sent requesting a call from the corporate location. I would like to speak to someone from the corporate office before I take further action regarding this matter. Will compromised the my security of my account.
I am willing to discuss a resolution because my account has been compromised. I will be seeking legal advice prior to speaking with Jora Credit on my options.
Contact Name and Title: ***
Contact Phone: XXXXXXXXXX
Contact Email: ***@joracredit.com
I spoke with Ms. on Nov. 7 via a telephone call but, unfortunately, she hung up during the course of our conversation and I was unable to finish discussing her complaint. The reason that Will was still accessing Ms. account when she called back was because he was still placing notes on her account as well as escalating Ms. concerns to our Compliance department. There was an extensive amount of notes being placed on the account and Will had not finished with those when Ms. called back. The reason that Will knew that it was Ms. calling back, despite her giving a false name to the person she spoke to immediately prior, was that 1) she had completed identity verification through the automated phone system; and 2) Will had just gotten off the phone with her so when she was connected to him again, he could see the number she was calling in from, that she had been verified by the phone system and that he recognized her voice after just having a lengthy conversation with her. We are uncertain what Ms. means when she claims her account was "compromised" as our customer service representatives must have access to her account information as part of their job. Any activity performed on Ms. account is recorded by the loan management system and in a review of the actions that were taken, we found no compromise of any of Ms. account information or personally identifiable information.
I am sorry that I could not resolve her issues directly with her but, again, attempted to do so over the phone when she abruptly disconnected the call without giving me an opportunity to finish the conversation.
(The consumer indicated he/she DID NOT accept the response from the business.)
*** is providing false information. I did notify him that the call was being recorded. Therefore, I have proof of my conversation with ***. My account was not verified by Will or anyone else. I can prove this because during the call (that I recorded) Will says, "I am unable to assist you without you verifying the account." I then asked Will to escalate my call because he wasn't being helpful. Will replied the same "I am unable to assist you without you verifying the account." I asked *** if he listened to the call and he said no. I told him he should listen to the call then call me back before he tries to defend Will's actions. *** has yet to call me back. Plus, Will did not escalate my call. I sent an email myself because once again Will said the account was not verified. I am very educated. So, I know in order to be assisted with my account it has to be accessed by a representative but not when I'm not on the phone. There would be no reason to be in my account especially when you have refused to assist me. Therefore, Will compromised my account causing me to place a fraud alert with the Credit Bureaus and having to close my checking account. If someone from Jora would like to listen to the call and then call me I will be more than happy to work with them.
I called Ms. on Nov. 22 after listening to the recorded calls in order to discuss her complaint to see if it could be resolved. When trying to confirm I was speaking to Ms., the person on the phone repeated "How can I help you?". I would ask "Is this Ms.?". Again, the response I received was "How can I help you?". I asked if I could leave a message for Ms. and was told not to call this number back again. So, needless to say, I was unable to speak to Ms..
In response to Ms. claim that Will did not verify her account, I can not add any further explanation than what I stated in my previous response to this complaint. In response to Ms. saying that Will said he was unable to assist her without verifying her account, I can confirm that the call recording did, in fact, include that. The reason Will made that statement was that he was attempting to take action on a directive that Ms. gave him. That directive was to "revoke the access to her account" and that our company "did not have permission to draft any payments from her account". Our internal policies require that we confirm certain customer information before making account changes such as the one Ms. gave. Ms. seems to be most upset with the fact that Will still had her account pulled up on his computer when she called back a second time after already having spoken to him and being dissatisfied with how he handled her call. While he explained to her that he was the only supervisor on the floor, when she called back asking for a supervisor her call was again transferred to Will since there was no other supervisor there. Will had not yet completed the notes on Ms. account and this is why he still had her account open when she called back. On her second call, she repeated several times to Will that she knows that "once she disconnects the call, he must exit her account". Our agents are trained to exit customer accounts once they complete placing notes on the account to memorialize the conversation with the customer. Will had not exited the account because he was typing somewhat lengthy notes based on the previous conversation with Ms..
All this being said, the reason Ms. called initially on Nov. 6 was to move her payment date just as she had done many times before. Our customer support agent who took the call did not do a good job of assisting her. He should have been able to service her request without any difficulties. As a manager listening to the call recording, I was frustrated with how the call went and I can only imagine how frustrated Ms. was. We clearly failed to provide Ms. with proper customer service on that call and it seemed to go downhill from there. We will be more than happy to accommodate Ms. pay schedule if she would like to give us another opportunity to resolve her complaint. She has been an excellent customer and we would like to try and get her back to being a happy, satisfied customer. I am including my contact information with this response and would be more than happy to get this issue resolved with Ms. if she chooses to contact me.
***
Chief Compliance Officer
817.546.2735
complaining about the interest they are charging and was not explained
complaining about the interest they are charging and was not explained
repay the interest
Contact Name and Title: ***
Contact Phone: XXXXXXXXXX
Contact Email: ***@joracredit.com
On August 7, 2019, Ms. was provided a Line of Credit Disclosure and Credit Agreement that clearly disclosed the Federal Truth in Lending Act Disclosures which included the Annual Percentage Rate, the Periodic Interest Rate and the Customary Fee Rate. These rates were in bold font within a section that was written in all capital letters and bold font reading "INTEREST AND INTEREST CHARGES". Ms. signed this agreement with her name and the phrase "I Agree". Above where Ms. signed this agreement it states "BY ELECTRONICALLY SIGNING THIS AGREEMENT, YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED AND HAVE READ A COMPLETED COPY OF
THIS AGREEMENT, YOU UNDERSTAND THIS AGREEMENT AND YOU AGREE TO ITS TERMS...".
Lastly, the Credit Agreement Ms. signed provided explanations for the "Annual Percentage Rate", "Periodic Interest Rate" and "Customary Fee Rate". A redacted copy of the agreement showing these disclosures is attached.
I am trying to make payments and they have refused. They say the only way to settle this is to pay the balance in full.
I am trying to make payments as originally set up. They are now demanding the balance in full or they will take legal action. I explained that I am on disability and have a limited income so making the entire amount due is impossible. I can continue to make payments every two weeks as originally set up. I would be happy to do this.
The ability to continue to make payments every two weeks as originally set up.
On June 7, 2019, Jora Credit received an application for credit in the name of Karen ***. The application was approved and on June 8, Jora Credit originated a loan in the amount of $2,600.00. Unbeknownst to us, at the time, was that Mrs. had passed *** a week prior to the application being submitted to us. However, loan payments were made on July 12 and July 19 and then on July 22, the complainant emailed our company with a copy of his wife's death certificate. On July 23, Jora Credit ceased charging any further interest on the outstanding loan balance.
The death certificate indicated the date of death as May 31, 2019. Being that Mrs. passed *** 7 days prior to Jora Credit receiving an application in her name, we began processing an identity theft claim. However, through the course of our investigation, a phone call with the complainant and various emails exchanged with the complainant, it became evident that the complainant took out the loan using his deceased wife's information over a week after her death. The complainant admitted to doing so in an email dated Sept. 12, 2019 citing funeral expenses as the reason. Considering the circumstances, Jora demanded repayment in full but later agreed to a repayment plan where the balance would be over several payments and paid in full by October 25, 2019.
Below are a few of the email exchanges between Jora Credit and the complainant which detail what occurred with the fraudulent loan that he obtained in his deceased wife's name. These also evidence the agreed upon repayment plan to which the complainant now asserts, through this complaint, "I am trying to make payments and they have refused". The complainant, in his "desired resolution" section of this complaint, asks to be able to continue to make payments every two weeks "as originally set up". Jora Credit "originally set up" biweekly payments when we thought we were extending a loan to Mrs. Karen ***. For the complainant to now ask that we honor a loan and repayment schedule that he fraudulently obtained in his wife's name a week after her death is unconscionable.
X-XX-XX from Jora Credit to Complainant ***: It is now evident to me that it was you who applied for this loan in Karen's name 7 days after her passing. I have a phone call recording, that I just listened to, from June 8 where you called in on Karen's account and said that "you" applied for this loan, that there was no money deposited into "your" account and that "you" were the account holder of the Jora account you were calling in on. I recognize your voice on this recording from when I spoke to you on the phone last month. To further add to this, you applied for a loan with us, in your name, on July 10. The IP address from where the application was submitted for both Karen you was the same. Also, the bank account information listed on each application was the same account.
I'm sorry that, at this point, I don't think I can provide you any more assistance unless you immediately repay us what is owed. If that's not possible then I will have to move forward with our normal procedures of fraud handling. I'll extend you 24 hours to let me know if you're paying the balance owed. If so, I'll give you a very limited time frame to get this paid. My options are extremely limited given the amount of information I now have about what has transpired.
X-XX-XX from Complainant *** to Jora Credit: Hello. So this is what I can and will do. I put a check for $500 in the mail today. I will put 3 more checks in on 9/27, 10/11, and the remaining balance on 10/25. The money was used for my wife's funeral expense and final expenses. I was broke at the time. As I told you before I am on disability and a very limited income. They address I will be sending the money to is ***, XXXXX. I hope this is correct. It doesn't do either one of us any good to go any further in a different direction. I think this is more than reasonable and not out of the question. You get your money back and I can move on. Thank you very much. ***.
X-XX-XX from Jora Credit to Complainant ***: Ok, this is reasonable. Thank you.
X-XX-XX from Complainant *** to Jora Credit: I just enclosed a sheet with the check containing the name on the account and the address. Can you please, for the future, give me the account number so I can enclose that as well? Thanks.
X-XX-XX from Jora Credit to ***: Sure, the account number is XXXXX. Just include that along with Karen's name.
Total scam to collect private information. Sent a letter stating "Based on Transunion Credit file was prequalified for a loan".
Total scam to collect private information. I was sent a letter stating "Based on Trans Union Credit file, you are pre qualified for a loan".
Have received numerous letters from this company all stating the same thing. Thinking that they were legitimate I decided to apply to pay off two small credit card balances. After giving them ALL my private info including my BANK LOGIN information, (stupid of me)they processed my loan info. A page appeared saying I was on my way to a $1600 loan. After several minutes was told my application was declined.I'm convinced this a scam to collect private information from gullible people (ME) and possibly sell it on the internet. I've since changed my bank login and alerted the bank of this incident.
I would like to have a correction made to my credit file to retract the credit application inquiry that will now be on there from these people. Would also like to see Federal authorities investigate this company for fraudulent activity.
Contact Name and Title: ***, CCO
Contact Phone: XXXXXXXXXX
Contact Email: ***@joracredit.com
Mr. applied for a loan but, unfortunately, we were not able to approve his request. We notified him of this credit decision immediately and provided him the name of the credit reporting agency that we obtained information from with instructions on how to request a free copy of his credit report.
Jora Credit of New Mexico, LLC ("Jora") is licensed by the State of New Mexico as a Small Loan Company with license number XXXXX expiring on June 30, 2020. A copy of this license can be found on our website.
Jora does not sell consumer information. Mr. can be assured that any non-public, personally identifiable information he provided to us will not be shared with or sold to anyone.
Since Mr. did, in fact, apply for a loan with Jora, we are unable to remove the credit inquiry that was placed on his credit file. In cases of fraud or identity theft, we do have inquiries removed but when the consumer legitimately applies for credit, we do not remove inquiries. Additionally, prior to submitting his credit application, Mr. acknowledged the following disclosure on his application: "By clicking here you verify the information given in connection with this loan application is true and accurate to be the best of your knowledge, and you give Jora Credit consent to obtain information about you from a consumer reporting agency or other sources as detailed in the Disclosures. You also acknowledge that you have read and agree to our Privacy Policy."
We are sorry that Mr. is not happy with his experience with us but, unfortunately, we are not able to approve every application for credit that we receive.
(The consumer indicated he/she DID NOT accept the response from the business.)
Jora did not address the issue of lying about the fact that I was "pre approved" for a loan. The letter I received from Jora stated that due to information they received from my trans Union credit report. This is no doubt a lie as well. I have sent a letter to Trans Union to inquire about this but have not heard from them yet. I've also sent a copy of the letter to the New Mexico Attorneys General office.
Its hard to believe that liars and cheats like Jora get away with this especially in light of the recent personal information scams going on.
Hopefully Jora and it's ilk will be bankrupt and out of business as soon as possible.
The prescreened offer that Mr. included the following disclosure:
"You were selected for this offer based on information in your credit report that satisfied the lender's criteria for creditworthiness. Certain events or changes to your information may impact your eligibility. This offer is not guaranteed if you do not continue to meet the criteria used to select you for this offer. If you reside in a state in which Jora does not provide services, you will be ineligible for this offer. This offer is available only to the addressee and may not be transferred to any other party. Refer to Loan Cost & Terms for additional details at JoraCredit.com."
While Mr. initially met the criteria used to preselect him, he did not continue to meet this same criteria when he applied for credit because his credit file had changed since the time he was preselected. Since he did not continue to meet the criteria used for the initial selection, we were unable to approve his credit request. This is why we provided the disclosure that "the offer is not guaranteed".
(The consumer indicated he/she DID NOT accept the response from the business.)
This latest response from Jora is just another example of the lies they tell. They say my credit situation has changed since they originally "pre approved" me. Absolutely untrue. I had a truck repossessed(voluntarily) last March that drove my credit score lower than it's ever been, understandably. Since that time my score has been recovering slowly as shown by weekly updates from Experian and Credit Karma who I subscribe to. If anything my score has increased from a low of 524 in March to my present score of 580, depending on the day and the Bureau reporting it.
This latest response from Jora simply proves they cannot and will not admit that they are liars and cheats and probably illegally making claims that are not true and will continue to do so until they will be sued, hopefully, or taken out by the government.
loan for myself and wife. turned out to be a letter of credit where payment goes from $99 a month to $300 a month. but did not tell us that.
wife and I obtained two loans. hers for $2000 and mine for $1200. told a set payment then was told it was letter of credit and 2nd payment would be $300 instead of $99. so we asked to be set on a payment plan because we could only afford amount quoted in first place. they refused. so we are not paying until we can get an agreement, through Revdex.com, to do this.
wish to have, in writing, a payment plan of less than $100 a month, for each account, or $200 a month for both, until what we borrowed is paid. this letter of credit is a scam we did not agree to.
Contact Name and Title: ***, CCO
Contact Phone: XXXXXXXXXX
Contact Email: [email protected]
The loan that Mr. obtained was a line of credit (not a letter of credit). Mr. was provided with a copy of his Line of Credit Disclosure and Credit Agreement ("Agreement") prior to him obligating himself for this loan. This agreement explained, in detail, the interest and interest charges associated with the line of credit account. This Agreement provided him the Annual Percentage Rate of 274.85%, the Periodic Interest Rate of 23.00% per year and the Customary Fee Rate of 251.85% per year. The Annual Percentage Rate is the sum of the Periodic Interest Rate and the Customary Fee Rate. Additionally, the Agreement explained what each of those rates meant and were disclosed in accordance with the requirements of the State of Tennessee. Lastly, the Agreement provided Mr. with an explanation of how minimum principal and interest payments were calculated. Mr *** signed this Agreement stating that by signing he "...had read, understood, and agreed to the terms and conditions of this agreement...". We are confused by his complaint where he states that he did not agree to the terms of the loan when he signed an agreement stating that he did.
The reason that the minimum monthly payment amount increased from the first payment to the second payment was based on a shorter billing cycle for the first payment. Mr. initially borrowed money on his line of credit towards the end of a billing cycle so the number of days in the billing cycle were less than a full month. The minimum payment for that first payment reflected interest and charges for a much shorter time period than a full month. However, for his second payment, there was a full month in his billing cycle and the minimum payment amount reflected that full month's worth of interest and interest charges.
We will be happy to work with Mr. on a repayment plan if he will contact us directly to discuss.
This company keeps withdrawing funds from my checking account after I have sent written notification to STOP, they keep debiting my account!
I took out a loan with this company for $1400 and paid it off last year and then they baited me back in with another loan shortly after paying the 1st one off for $3000. I have recently lost my job and sent them a request to revoke the ach authorization 3 days before the withdrawal date and they continue to debit my account causing overdraft fees. I requested this stop to allow me to manage the payback via a money order or check so I can try and get a handle on the outrageous and overpriced loan but they keep debiting my account even after acknowledging receipt of my request for them to stop. I have borrowed in total $4400 and have paid them now in excess of $4600 between the 2 loans. I am going to have to take this issue to my state regulators to look into this as the interest they charge has to be illegal and they keep debiting my account even after sending a written request for them to stop!
Close this loan and call it even. I have paid you back over the original amount that I borrowed. The interest of this loan is predatory and I asked them to stop withdrawals and they just wont stop and it is causing me more of a hardship as I have already lost my job and overdraft charges are accumulating on top of the excessive interest rates they are charging on this loan it has to be illegal!
(The consumer indicated he/she DID NOT accept the response from the business.)
I sent the repose BEFORE the cutoff time and I have the email to prove it! They continued to submit drafts to my account AFTER requesting them not to and even sent 2 paper checks through my banking account AFTER I advised them not to and I never even authorized these erroneous checks to be drafted. This caused my account to become extremely delinquent due to overdraft fees. It was my legal right to revoke these payments and even after requesting them to stop effective immediately, the drafts and paper checks continued to be sent through my checking account. I will be seeking my legal options regarding this matter.
Ms. P' loan payments are due on the 1st and 16th of each month. As such, she had a payment due on July 16, 2019. The only email we have record of Ms. P sending where she wanted her electronic payments to stop was on July 20 (see attached copy). Obviously, this was 4 days after her payment was due so it would not have been possible for us to stop the payment that was submitted on July 16. If Ms. P has record of correspondence prior to July 16 where she indicated her request to cease electronic payments, please have that sent to *** so that we can review. If we missed a request that was made timely, we will gladly reimburse her any fees incurred as a result.
(The consumer indicated he/she DID NOT accept the response from the business.)
Lies. I submitted my request to stop the ach draft on July 9th (see dated email attached) at 10:04 am and this was 3 days before the required due date of the 12th! They submitted numerous ach drafts through my account after I submitted my request revoking the authorization ( see attached). I will be filing a complaint with my state attorney general.
I received an "attempt to collect a debt" message for a loan from this company. I never received money nor did I ever apply for a loan from them.
The one thing I know is that this collection activity came from a text message from this personal loan company. As I said, I've never received any money from this company, nor applied for a loan with them.
To cease their contacts with me.
We received an email from Mr. on Feb. 27 stating that he had not applied for nor had he received any loan proceeds from our company. There is a completed credit application using Mr. personal information as well as a loan that was issued in his name in our records. On Feb. 27 we responded to Mr. email letting him know that we will need a couple of documents from him in order to be able to process his claim of identity theft. Once those documents are received, we will close the account that was opened in his name. In the meantime, we will cease further communication per his request.
(The consumer indicated he/she DID NOT accept the response from the business.)
What the company is alleging is that my personal information that they received. When I attempted to contact customer service by phone to dispute this, I can't get beyond the automated service asking for my SSN. I refused to divulge this info, not knowing if it's a scam or not. They are charging me for services I've never received nor requested from them. The only personal information they apparently have is my physical address, as far as I know is my physical address, which can be easily found on the Internet.
We completely understand Mr. reservation in providing his social security number or any other personally identifiable information to us when he calls. We realize that he is likely a victim of identity theft. Whoever obtained the loan in his name has more than just his address. They provided us his social security number and his date of birth as well. We have asked Mr. to send us an ID Theft affidavit and provided him a link to the Federal Trade Commission's website where he can obtain one of these. We also advised that we need a police report on file. We have no intention of Mr. having any responsibility whatsoever for this fraudulent loan but we do need the affidavit and police report from him. I would be more than happy to speak to Mr. or his attorney if there is any further information we can provide in order to assist him in dealing with this identity theft situation. Jora Credit is a victim in this particular case just as Mr..
(The consumer indicated he/she DID NOT accept the response from the business.)
The company is still harassing me with debt collection calls via a local number, after they've agreed in their response to my complaint not to do so on this site.I am working on getting the info together for the police department to investigate. There is no reason to try to cause extra stress to me as I try to seek a resolution to this matter, as I am certain that the business wants too.I have a very busy schedule and I am working as fast as I can to resolve this matter for their benefit as well. Reneging on a proposal they had agreed to is of benefit to no one
Jora mailed me at least 2 times a week to apply on their website for a 1400 loan at 400% interest.. I was desperate enough that I decided to take them up on it to fix an emergency. I applied online and was approved and signed a promisary note. Afterwards they ask if you would like a check mailed to you or have them electronically deposit and withdraw from your bank account. Given the terms of this loan I thought getting payment and paying by check would be safer.. They give me a confirmation and state the check is being mailed and will arrive in 7-10 days. I was despreatley waiting for it to arrive to solve my emergency and on day 10 they e-mail me and say they decided to cancel the agreement even after it was contractually binding and this timeline was in effect. This is not legal or ethical, I called and they had no reason for not performing per the contract and said silly things like we need photo id and bankstatements, far after the application process was completeled and in effect. I believe they simply cancled it because they intended to act innaporpriatley with acess to my bank account. This has now caused me irriversible damage and monitary damages over $2000. Don't be folled by these guys, they do not honor their contracts.
Product_Or_Service: High interest loan
Order_Number: Loan# XXXXX
Account_Number: Loan# XXXXX
Repair I would like to be compensated for the damages caused by Jora breaching our contractual agreement. $2000 would settle it or I intend to seek legal assistance.
On October 3, 2018, the below email was sent to Mr.. To date, we have not heard back from him.
Mr., your email has been forwarded to me for review and I just finished reviewing all the activity that occurred with your application and loan acceptance. It appears that we had a breakdown of one of our processes that prevented your loan from funding. I sincerely apologize for this and apologize that it has taken this long to get back to you. If you're still interested in a Jora loan, I will personally make sure that you are funded and will have a check sent to you via overnight mail if you'd like. In order to have this happen, you will need to login to your Jora account and resubmit your application. All your information should be retained so the process should be very quick. If this is what you decide to do, please email me back as soon as you've completed signing the new loan agreement and I will take it from there.
Again, I apologize for the troubles you had and would like an opportunity to make this right if you're still interested.
Sincerely,
Stephen ***
Compliance Officer