I APPLIED FOR A PAYDAY LOAN BACK IN SEPTEMBER OF THIS YEAR FOR $TO WHICH I WAS APPROVED, I WAS EXPLAINED THAT MY REPAYMENT AMOUNT WOULD BE $BIWEEKLY WITH THE FIRST PAYMENT BE DEDUCTED FROM ACCOUNT SEPTEMBER 13TH YO WHICH I AGREED TOHOWEVER I INQUIRED ABOUT MY REMAINING BALANCE LAST WEEK BY WAY OF EMAIL AND I WAS INFORMED THAT MY BALANCE WAS $I THEN CALLED CUSTOMER SERVICE TO FIND OUT HOW WAS THIS POSSIBLE TO WHICH I WAS TOLD THAT ONLY A SMALL PORTION OF MY REPAYMENT AMOUNT WAS APPLIED TO MY PRINCIPLE LOANTO ME IT SEEMS LIKE NOTHING WAS APPLIED AND ON TOP OF THAT INTEREST HAS BEEN ACCRUEDAS OF TODAYS DATE I HAVE MADE PAYMENTS IN THE AMOUNT OF $AND THEY ARE TELLING ME I STILL OWE $THIS IS AN OUTRAGE AND SCAM!! WHAT CAN I DO TO REPORT THEIR PREYING WAYS AND ADVERTISEMENT?
I borrowed from this companyI understood the cost was hugemy payments were for paymentsIn November I requested to skip a payment and pay that one at the end Every wks my money is in the bank for themtoday I check my account with advance cash to make sure the payment due today was creditedAt this point I have one more payment Now today there is not only the remaining payment they have tacked on an additional payment follow that onewhen I contacted them the email I received said its interest that interest is charged daily so long as there is a balance I signed a contract for a specific number of payments I will have paid them come 2/16/when I make that final payment of
The company is a group of professional criminalsThey have perfected the art of stealing from unsuspecting, needing AmericansNot that this is uncommon in business, but this company takes it to an extremeTheir interest rates are upwards of to 400%They have chosen very careful wording to make sure you do not realize how much you are ultimately paying backthe general public, especially the lower-income general public needs, very badly, to be warned of the tactics this company uses to steal from them what they already cannot afford to give
This company is unwilling to change my billing information on file so I can continue to make my payments
I contacted Sovereign Advance on 3/16/to advise I needed to update the billing information for my acct #***, I was advised they can't update my billing informationI advised if they try to deduct my payment from my current account on file the check would return and I would get charged $from my bank The rep from Sovereign Advance said they have to wait for my payment to return in order to help me I advised I don't think it's fair that we have to wait and for me to get charged a $fee I was calling to get this taken care of todayMy acct number with Sovereign Advance is Acct#***, and there phone# (701) ***
I applied for a loan of $online with MaxLendBecause I received an approval and the terms at the time seemed fair, I accepted the offerIt wasn't until after I expressed interest in the offer verbally during a phone call, expecting to receive documents stating the specifics as they were discussedI then received an email stating I was approved and shortly thereafter received the documentsI tried several times to contact them and I can never get a person on the phone long enough to go through the terms of the loanAfter going through the docs line by line I was appalled at the interest rates an terms and the fact that I was not told of this initiallyThe loan has 775.71% interest rateFor a $900.00, I am expected to repay $This is beyond extreme and definitely illegal which explains why my calls are always dropped or I am left on holdI have contacted the North Carolina Department of Justice who informed me that pay day laws are illegal in the state of Carolina,
Cover me cash a subsidy of Makes Cents was advised not to contact me at work On July I received a threatening phone call from someone representing Cover Me Cash Furthermore Cover Me Cash contacted me at 4AM which in accordance with the FDCPA is outside the hours that they are allowed to contact me
I have reached out numerous times to seek resolutionIn researching the complaints filed against MaxLend/Makes Cents Inc., I see the resolution given to dissatisfied customers is typically the one I am seeking which is to mark my account as “Paid in Full”, “Current” and “Closed”
Per South Carolina law, payday lenders can only charge you up to $per $
In December 2016, I was issued a loan for $ Paying at most $per $borrowed would yield my owing $yet I paid a total of $for this loan I paid $in fees exceeding the $by $ I paid 192% in fees
In August 2017, I was issued a loan for $ Paying at most $per $borrowed would yield my owing $yet I paid a total of $for this loan I paid $in fees exceeding the $by $ I paid 272% in fees
Once that loan was paid off, I was enticed back for another and I needed it due to the financial distress the first loan put me in…as a result, on
I received notice that my bill had been sent to a collection agency that states that Advance Cash has a loan that I owe money on I had never received notice from Advance Cash or Make-Cents Inc prior to this I was told by this collection agency that no information about the company was given such as a phone number, an address or anything I am willing to take a look at this dept and make it right, if proper documentation is given to me At this time I don’t’ feel that it is even a legit bill I would like proof sent to me of when and how this “loan” was taken out
Despite me telling company multiple times I cannot talk at work the debt collector calls me non stop at workshe will first call my cell phone, then will call not once but twice in a row to my work phone numberI have been written up for the numerous phone calls, and even after I say I cannot talk the rep will continue to talkI am about to lose my job as a result of this
I took out a $loan and have paid back $so I have paid back more than the principal which is all that is legally allowed I have attempted to contact the company with no success to obtain a settlement agreement and they refuse to work with me
I applied for a $short term installment loan through this company I was told upon applying that I would make payment of +/- $twice a month for months with the total payment payoff of $ 1st payment came out on the 1st, 2nd on the 15th, 3rd on the 1st and 4th on the 15th Payments are still being taken out of my account and according to their records will be until March Once all is said and done, I will have paid $for this $ This is not what I agreed to upon processing this loan..they are charging me 624.3546% (e) APR...absolutely criminal They sent me a copy of the contract after the fact showing that this is what I electronically signed This is NOT what I signed..I would have never agreed to this amount of APR I believe that I have been duped and I want some kind of investigation into their practices They state you can make payments through their website..you can NOT...I never received a copy of the original contract as signed until I comp
I took out a short term loan with Sovreign Advance AKA Make Cents Inc, in July for $I made four payments to this company (7/15/- $256, 7/29/- $242, 8/16/- $228, and 8/31/- $214) totaling $The maximum interest allowed to be charged in my state (Colorado) for lenders not authorized to lend in my state is 20%, plus 7.5% for loans over $Thus, my total amount due to this company is $1,I am willing to pay the $owed to make this debt paid in full
However, this company has hired a collections agency to pursue me for $I spoke with Kevin Egan (collector) and explained that I will not be paying more than the $I owe pursuant to Colorado lawThe collection agency is not willing to provide me with their information, therefore, I am unable to verify their authenticityAdditionally, since I am unable to identify them, I am unable to file with the CFPA for violation of the FDCPAI have asked that I only be contacted on my cell phone, and the colle
Initial Business Response /* (1000, 5, 2016/03/17) */
Sovereign Advance's management has met over the particular situation. We have came to the conclusion that although the rule has merit, there are situations in which an exception can be made. We have implemented these exceptions and we are...
reaching out to the customer.
Initial Consumer Rebuttal /* (2000, 7, 2016/03/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received a call from a Supervisor of Alex who assisted me with resolving my concern
I APPLIED FOR A PAYDAY LOAN BACK IN SEPTEMBER OF THIS YEAR FOR $TO WHICH I WAS APPROVED, I WAS EXPLAINED THAT MY REPAYMENT AMOUNT WOULD BE $BIWEEKLY WITH THE FIRST PAYMENT BE DEDUCTED FROM ACCOUNT SEPTEMBER 13TH YO WHICH I AGREED TOHOWEVER I INQUIRED ABOUT MY REMAINING BALANCE LAST WEEK BY WAY OF EMAIL AND I WAS INFORMED THAT MY BALANCE WAS $I THEN CALLED CUSTOMER SERVICE TO FIND OUT HOW WAS THIS POSSIBLE TO WHICH I WAS TOLD THAT ONLY A SMALL PORTION OF MY REPAYMENT AMOUNT WAS APPLIED TO MY PRINCIPLE LOANTO ME IT SEEMS LIKE NOTHING WAS APPLIED AND ON TOP OF THAT INTEREST HAS BEEN ACCRUEDAS OF TODAYS DATE I HAVE MADE PAYMENTS IN THE AMOUNT OF $AND THEY ARE TELLING ME I STILL OWE $THIS IS AN OUTRAGE AND SCAM!! WHAT CAN I DO TO REPORT THEIR PREYING WAYS AND ADVERTISEMENT?
I borrowed from this companyI understood the cost was hugemy payments were for paymentsIn November I requested to skip a payment and pay that one at the end Every wks my money is in the bank for themtoday I check my account with advance cash to make sure the payment due today was creditedAt this point I have one more payment Now today there is not only the remaining payment they have tacked on an additional payment follow that onewhen I contacted them the email I received said its interest that interest is charged daily so long as there is a balance I signed a contract for a specific number of payments I will have paid them come 2/16/when I make that final payment of
The company is a group of professional criminalsThey have perfected the art of stealing from unsuspecting, needing AmericansNot that this is uncommon in business, but this company takes it to an extremeTheir interest rates are upwards of to 400%They have chosen very careful wording to make sure you do not realize how much you are ultimately paying backthe general public, especially the lower-income general public needs, very badly, to be warned of the tactics this company uses to steal from them what they already cannot afford to give
This company is unwilling to change my billing information on file so I can continue to make my payments
I contacted Sovereign Advance on 3/16/to advise I needed to update the billing information for my acct #***, I was advised they can't update my billing informationI advised if they try to deduct my payment from my current account on file the check would return and I would get charged $from my bank The rep from Sovereign Advance said they have to wait for my payment to return in order to help me I advised I don't think it's fair that we have to wait and for me to get charged a $fee I was calling to get this taken care of todayMy acct number with Sovereign Advance is Acct#***, and there phone# (701) ***
I applied for a loan of $online with MaxLendBecause I received an approval and the terms at the time seemed fair, I accepted the offerIt wasn't until after I expressed interest in the offer verbally during a phone call, expecting to receive documents stating the specifics as they were discussedI then received an email stating I was approved and shortly thereafter received the documentsI tried several times to contact them and I can never get a person on the phone long enough to go through the terms of the loanAfter going through the docs line by line I was appalled at the interest rates an terms and the fact that I was not told of this initiallyThe loan has 775.71% interest rateFor a $900.00, I am expected to repay $This is beyond extreme and definitely illegal which explains why my calls are always dropped or I am left on holdI have contacted the North Carolina Department of Justice who informed me that pay day laws are illegal in the state of Carolina,
Cover me cash a subsidy of Makes Cents was advised not to contact me at work On July I received a threatening phone call from someone representing Cover Me Cash Furthermore Cover Me Cash contacted me at 4AM which in accordance with the FDCPA is outside the hours that they are allowed to contact me
I have reached out numerous times to seek resolutionIn researching the complaints filed against MaxLend/Makes Cents Inc., I see the resolution given to dissatisfied customers is typically the one I am seeking which is to mark my account as “Paid in Full”, “Current” and “Closed”
Per South Carolina law, payday lenders can only charge you up to $per $
In December 2016, I was issued a loan for $ Paying at most $per $borrowed would yield my owing $yet I paid a total of $for this loan I paid $in fees exceeding the $by $ I paid 192% in fees
In August 2017, I was issued a loan for $ Paying at most $per $borrowed would yield my owing $yet I paid a total of $for this loan I paid $in fees exceeding the $by $ I paid 272% in fees
Once that loan was paid off, I was enticed back for another and I needed it due to the financial distress the first loan put me in…as a result, on
I received notice that my bill had been sent to a collection agency that states that Advance Cash has a loan that I owe money on I had never received notice from Advance Cash or Make-Cents Inc prior to this I was told by this collection agency that no information about the company was given such as a phone number, an address or anything I am willing to take a look at this dept and make it right, if proper documentation is given to me At this time I don’t’ feel that it is even a legit bill I would like proof sent to me of when and how this “loan” was taken out
Despite me telling company multiple times I cannot talk at work the debt collector calls me non stop at workshe will first call my cell phone, then will call not once but twice in a row to my work phone numberI have been written up for the numerous phone calls, and even after I say I cannot talk the rep will continue to talkI am about to lose my job as a result of this
I took out a $loan and have paid back $so I have paid back more than the principal which is all that is legally allowed I have attempted to contact the company with no success to obtain a settlement agreement and they refuse to work with me
I applied for a $short term installment loan through this company I was told upon applying that I would make payment of +/- $twice a month for months with the total payment payoff of $ 1st payment came out on the 1st, 2nd on the 15th, 3rd on the 1st and 4th on the 15th Payments are still being taken out of my account and according to their records will be until March Once all is said and done, I will have paid $for this $ This is not what I agreed to upon processing this loan..they are charging me 624.3546% (e) APR...absolutely criminal They sent me a copy of the contract after the fact showing that this is what I electronically signed This is NOT what I signed..I would have never agreed to this amount of APR I believe that I have been duped and I want some kind of investigation into their practices They state you can make payments through their website..you can NOT...I never received a copy of the original contract as signed until I comp
I took out a short term loan with Sovreign Advance AKA Make Cents Inc, in July for $I made four payments to this company (7/15/- $256, 7/29/- $242, 8/16/- $228, and 8/31/- $214) totaling $The maximum interest allowed to be charged in my state (Colorado) for lenders not authorized to lend in my state is 20%, plus 7.5% for loans over $Thus, my total amount due to this company is $1,I am willing to pay the $owed to make this debt paid in full
However, this company has hired a collections agency to pursue me for $I spoke with Kevin Egan (collector) and explained that I will not be paying more than the $I owe pursuant to Colorado lawThe collection agency is not willing to provide me with their information, therefore, I am unable to verify their authenticityAdditionally, since I am unable to identify them, I am unable to file with the CFPA for violation of the FDCPAI have asked that I only be contacted on my cell phone, and the colle
Initial Business Response /* (1000, 5, 2016/03/17) */
Sovereign Advance's management has met over the particular situation. We have came to the conclusion that although the rule has merit, there are situations in which an exception can be made. We have implemented these exceptions and we are...
reaching out to the customer.
Initial Consumer Rebuttal /* (2000, 7, 2016/03/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received a call from a Supervisor of Alex who assisted me with resolving my concern