Rapid Cash

As briefbackground, the customer entered into two loan transaction with Rapid Cash, oneon October 20, and one on January 19, These loans were single-pay, payday loans inthe original principal amount of $each, plus fees of The customerprovided checks in the amount of $as payment to be deposited on the duedatesThe checks and subsequent collection payments were returned unpaid by herbank and a $fee was assessed per loanEfforts to communicate with the customer to reach repayment arrangementswere unsuccessful and her account was assigned to Speedy Cash's third-partydebt collection agency, [redacted] On August 4,2015, the customer went into Rapid Cash and completed a new CustomerApplication and requested a new loanDuring the application process, thecustomer provided her bank informationHer account was updated with all of theinformation he provided during the customer application processShe was thenprovided with a Loan Application Notice of Denial advising that her request fora new loan was denied because of an existing delinquent loan ThePayday Loan Agreement and Disclosure Statement that the customer signed on herprevious loans states, in pertinent part: Default Collection / EFT NoticeUpon default, you authorize us to withdraw from your bank account theamount you owe us according to this AgreementWe may make this withdrawal by re-presenting your check electronicallyand/or by using a Electronic Funds Transfer (EFT) or using one or more paper orelectronic automated clearing house (ACH) debits, not to exceed the amount owedto us Your electronic debit authorizationextends to the bank account listed on your original check If you provide us with a Visa or MasterCardcheck, debit or credit card (collectively the “Card”) you also authorized us,denoted by your signature on this Agreement to charge, submit and collect allamounts due to us We may submit thesecharges to your Card one or more times until the total amount owed to us ispaid in full Your authorization to EFT/ ACH and to charge your Card will remain in full force and effect until youterminate it by giving us written notice at the address listed on thisagreement and until we have had a reasonable opportunity to act on yournotice We may not require repayment ofloans by preauthorized electronic transfersYou voluntarily authorize the above collection of the Total of Paymentsby electronic means from your bank account and Card You may withdraw such voluntary consent bywriting to us at our business address set forth above.The customer hasnot revoked her ACH/EFT authorization While thecustomer authorized Rapid Cash to debit her Card for the amount due upon herdefault, based on the information in her complaint, we understand that she hasdisputed the transaction with his bankHowever, in order to find resolution, Rapid Cash will refund thepayments directly back on to her cardPlease allow up to hours for the refund to be reflected in the bankaccount Also please note, this refund willresult in the customer’s loan accounts returning to default statusWe urge thecustomer to contact Ad Astra directly to make arrangements to repay her loansat her earliest opportunity

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 meI Checked the login website to find out if my email was still being used for another persons accountAnd I found that the issue has been resolved.Sincerely, [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 meSincerely, [redacted] ***

We no longer have customers accountinformation on fileIt was removed from the systemWe need new account informationHas customer recieved check at this point?

We appreciate your efforts in alerting us to the customer's concerns and the opportunity to resolve it. Our Store Manger has contacted the customer directly and all of the customer's issues and concerns has been resolved

As briefbackground, the customer entered into two loan transaction with Rapid Cash, oneon October 20, 2011 and one on January 19, 2012.  These loans were single-pay, payday loans inthe original principal amount of $300.00 each, plus fees of 39.17. The customerprovided checks in the amount of...

$339.17 as payment to be deposited on the duedates. The checks and subsequent collection payments were returned unpaid by herbank and a $20 fee was assessed per loan. Efforts to communicate with the customer to reach repayment arrangementswere unsuccessful and her account was assigned to Speedy Cash's third-partydebt collection agency, [redacted] On August 4,2015, the customer went into Rapid Cash and completed a new CustomerApplication and requested a new loan. During the application process, thecustomer provided her bank information. Her account was updated with all of theinformation he provided during the customer application process. She was thenprovided with a Loan Application Notice of Denial advising that her request fora new loan was denied because of an existing delinquent loan.  ThePayday Loan Agreement and Disclosure Statement that the customer signed on herprevious loans states, in pertinent part: Default Collection / EFT Notice. Upon default, you authorize us to withdraw from your bank account theamount you owe us according to this Agreement. We may make this withdrawal by re-presenting your check electronicallyand/or by using a Electronic Funds Transfer (EFT) or using one or more paper orelectronic automated clearing house (ACH) debits, not to exceed the amount owedto us.  Your electronic debit authorizationextends to the bank account listed on your original check.  If you provide us with a Visa or MasterCardcheck, debit or credit card (collectively the “Card”) you also authorized us,denoted by your signature on this Agreement to charge, submit and collect allamounts due to us.  We may submit thesecharges to your Card one or more times until the total amount owed to us ispaid in full.   Your authorization to EFT/ ACH and to charge your Card will remain in full force and effect until youterminate it by giving us written notice at the address listed on thisagreement and until we have had a reasonable opportunity to act on yournotice.  We may not require repayment ofloans by preauthorized electronic transfers. You voluntarily authorize the above collection of the Total of Paymentsby electronic means from your bank account and Card.  You may withdraw such voluntary consent bywriting to us at our business address set forth above.The customer hasnot revoked her ACH/EFT authorization.  While thecustomer authorized Rapid Cash to debit her Card for the amount due upon herdefault, based on the information in her complaint, we understand that she hasdisputed the transaction with his bank. However, in order to find resolution, Rapid Cash will refund thepayments directly back on to her card. Please allow up to 72 hours for the refund to be reflected in the bankaccount.  Also please note, this refund willresult in the customer’s loan accounts returning to default status. We urge thecustomer to contact Ad Astra directly to make arrangements to repay her loansat her earliest opportunity.

The customer noted does have ymail address currently listed in our system. It was update on 12/18/16. The address was changed from gmail to ymail.

ON 12/18/16 at 15:13 central military time the email address for customer account was changed from [redacted]@gmail.com to [redacted]@ymail.com at our location at 12131 SE Powell Blvd. Portland, OR. 
 
Correct email customer as requested is on account as [redacted]@ymail.com .
 
Email addresses can not be on more then one customer account in our system, meaning the email address of [redacted]@ymail.com is only under this customers account in our system.
 
Email address is correct and not shared with another account. How else can we help?

Complaint: [redacted]I am rejecting this response because: The information in the response is incorrect. I did not go from a gmail to a ymail account. My...

email [redacted]@ymail.com has been my email address for some years and another customer of theirs that was an old roommate of mine is using it for his account. when I contacted the fraud department I was informed that they didn't believe that this email belonged to me. which is funny cause I have to use this very email to log into Revdex.com complaint. the fraud department informed me that they will not remove my personal email address from this other persons account. I want my personal email account removed. I am not changing my email address that I have been using for years in which they suggested I do. Sincerely,[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]

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. I Checked the login website to find out if my email was still being used for another persons account. And I found that the issue has been resolved.Sincerely, [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. I would like it noted that both transactions were included in a bankruptcy filed in March 2012. The checks were on a joint account with a different bank and I did not give permission to withdraw any funds at the time of my most recent transaction. My lawyer advised us not to pay loans because of the bankruptcy. As of the time of this response, the funds have not been reposted to my account. I am expecting them to honor their response or I will open another case. Sincerely, [redacted]

This account had gone to a collection agency and I have been making payments to them under a payment arrangement. Well I am notified that Rapid Cash pulls the account from the agency and forwards it to an attorney and I had to pay over $1100 to the attorney while I still am making payments to the collection agency. I have proof of payments and according to the collection agency, they see the arrangements and they do not know why Rapid Cash took my account to an attorney!Desired SettlementThe account that went to the attorney was for around 500. I would like the rest refunded to me I paid exactly $1169.00. And I have paid the collection agancy like $500.00. I have all the documents and bank statments showing what I have paid! Business Response Our records show that this customer has three outstanding loans that are in default and have been sent to our 3rd party collection agency,[redacted]. She is set up in a payment arrangement on one of the loans and is currently making payments to[redacted]. No payment has been made on the other two loans since June 13, 2014 and these two loans have been referred to the attorney's office.We don't dispute the customer's claims that she is making payments to[redacted] for her loan; however, she broke the payment arrangement she set up October 6, 2014 on the other two loans and collection activities commenced as allowed by law. We urge her to contact[redacted] should she have any further questions regarding her loans.

Rapid Cash has taken out 2 payments of $80.20 that they should not have which resulted in $70.00 of over-draft fees from my bank.I applied for 2 seperate loans. 1 on Nov. 14, 2015 in the amount of $300.00 and the other on Nov. 16th in the amount of 166.00. Payments of $80.20 and $56.80 to come out every check. I had called on a Sunday and begged them to please extend my $80.20 payment as they extended me the week prior for one week knowing full well I did not get paid that week as they have my pay-dates on file. I plead with them letting them know the fees would not be available and I would be more than happy to pay the late fee rather than have the late fee as well as an over-draft fee of $35.00 from my bank. They insisted( argued with me) there was nothing they could do and that the owner was "out of town" conveniently. As a result, they still attempted to apply payment knowing the funds would not be there and resulted in an over-draft from Wells Fargo. About three weeks later or so, I noticed I had a negative balance for approx 76.00 from my bank. When I received that statement, Rapid cash had attempted to take out TWO $80.20 payments as well as the $56.80 on one pay-check. I would like them to be investigated as well as refund my over-draft fees of $70.00. I feel what they did what unlawful and horrible customer service as I had successfully paid off a prior loan with no problems on my end. They were rude, unprofessional and completely financially set me back for other bills. This is not how you do business as I am in a similar business and I know they could have pushed that payment back, charged me a late fee and all would have been good. And they had NOOO right to pull 3 payments off one pay period. Thank you for your attention to this matter. Sincerely,Fawn F. Losh 1/20/2016 9:16 amDesired SettlementFull refund for my $70.00 over-draft fees as well as I think they should all have thorough training as they have no clue what customer service or professionalism is. I think they are frauds and a scam personally. Business Response We have thoroughly reviewed the customer's account and find that there were no violations of law or best practices. On November 14, 2015, the customer entered into a loan agreement to be paid in six payments of $80.20, first payment being due on November 22, 2015. The customer requested to extend the initial payment due date to November 29, 2015. Just prior to the first payment being due, the customer made an additional request to extend the payment due date further. However, the customer was advised that the payment due date could no longer be extended since the loan has reached the maximum 7 days a payment due date can be moved. Notwithstanding, as courtesy, we have agreed to refund $70.00 caused by overdraft fees. Our store manager will be contacting the customer to arrange the refund. Thank you for alerting us to the customer's concerns.