Splash Cash Advance

Review: I used this service three years ago and paid the loan off as agreed. One week after I took the loan my home phone, work phone and cell phone were being called by scam artists and robo calls. I called Splash back and they told me their was nothing they could do. One week after paying my loan off my bank account had a check from a foreign company pass through for $172.00. My bank refunded my money after several weeks. For three years my phone is consistently called by middle eastern scam artists. They have even called my family in another state. I have called this company numerous times to help fix the issue and they blow me off, even hanging up on me. This company sold my information to criminals. I have had to change all my bank accounts and now changing my phone number today. I have hired am attorney to pursue legal action, [redacted] located in Los Angles to fix this issue. I have logs and logs of calls since they week after I took my loan. This is not only scary but deceptive. They have threatened my family, called my place of employment acting as lawyers and call my cell day and night. Sometimes at 3:00AM using all different numbers. The police will not help me either.

Even though the Revdex.com holds no weight or does anything to help consumers, I am filing this for record of fact.Desired Settlement: Company closed for privacy concerns. A call from the owner of this scamming business to get my information erased. Full settlement in a court of law.

Review: I took out a payday loan in the amount of $500 on January 11, 2013. I had it automatically deduct payments from my account. I lived in Pennsylvania at the time (i just moved to West Virginia in may of 2013). Apparently pay day loans are illegal in the state of pa which I was unaware of. But splash cash advance had no problem taking my money. I had forgotten that they had been withdrawing money from my account and in the end, they had taken $1947.95 from me.Below is a breakdown of some transactions from my bank statement so you can see, which is absolutely ridiculous. I got tired of paying for a loan that I repaid 4 times over so I called them and spoke to someone in customer service regarding them withdrawing money from my account over and over every payperiod. I explained how I repaid the loan 4 times over and for them to stop withdrawing money from my account. He said he was going to close the account for me and I should be good since it was repaid. Well it turns out, that he must have noted in their database that it was unpaid instead of paid, and therefore I started receiving constant collection calls and also emails about my account being delinquent, which is absurd!I get calls constantly every day and I'm sick of it. This should not be legal. They also wouldn't return any of the $2000 they took from me for a ridiculous $500 loan in the course of a few months they have been doing this. Now I'm getting emails directly from them about my account being delinquent. I even responded saying that I already spoke to someone and closed the account months ago, but they don't listen. This has to be stopped!!!!!Totals$500.00$1,947.9Desired Settlement: I want them to refund some of the $2000 they took from me over a miniscule $500 loan. Also, I want the phone calls and emails from collection agencies to stop immediately and from this company directly. This can't go on. ON top of that, I lived in PA at the time and was not aware that they shouldn't even have given me a loan, which makes me more mad.

Business

Response:

Please apply to customer's complaint.

Thanks.

Business

Response:

Please apply to customer's complaint.

Thanks.

Never use this company. I took out an initial loan of $500 and I am still making payments on it. After finally getting a representative on the phone who could follow example what was happening I was told the first four payments I made just were to extend the loan they weren't to pay on the principle. I never wanted to continue to extend it I wanted to pay it of. I told the rep that he said I should have gotten an email explaining this well I didn't. So here I am four months later still paying it off. He stated they will continue to charge me just $25 plus a fee until it is paid off. Long Story short this company is not worth doing business with. You will end up in a deeper hole than you started with.

Review: I had a payday loan that was due on Wednesday September 18th, at that time the finance charge was deducted from my checking account. I called the company on Monday September 23rd to pay off the loan in full. I was told I would have to pay the principal and another finance charge. I understand paying a finance charge for the days Wednesday thru Monday, but I was charged for the entire two weeks. I was told I could have paid up to two days later without another finance charge, but this company isn't open on weekends so I had to wait until Monday. I have used other payday loan services who do not do this type of business.Desired Settlement: $100 refund finance charge, I agree to pay $75 for days Wednesday thru Monday. $12.50/day

Business

Response:

I am writing on behalf of FACR ONE, LLC (FACR I), in response to your email dated September 24, 2013 regarding the above referenced complaint.

By way of background, FACR I is a limited liability company organized under the laws of the Chippewa-

Cree Tribe of the Rocky Boy s Indian Reservation of Montana (^Chippewa-Cree’), a recognized Indian Tribe and

sovereign nation. FACR I is owned and operated by the Chippewa-Cree, and operates exclusively on the Chippewa-

Cree Reservation. As such, FACR I is an uarm of the tribe,” and entitled to the same immunity from state laws as is

the Chippewa-Cree. See Cash Advance and Preferred Cash Loans v. Colorado ex rel. Suthers, 242 P.3d 1099 (Colo 2010).

FACR I takes all complaints along with customer service very seriously. Please note that the contract you entered into with FACR I is a fully enforceable contract under Federal Law and Chippewa Cree Tribal Law. We have reviewed the consumer’s account. As a courtesy we will refund the consumer $100. Said refund will be credited to the credit card used for the last payment. The refund will appear on the consumer’s credit card account within 5 business days. If you have any questions please contact our office TOLL FREE at ###-###-####.

Review: The loan contract that I have with you, according to my state's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan.Desired Settlement: To date, I have received $600 on 06/03/2013 and I have made a payment of $420. All Money that has been paid should be applied to the $845 principle. I am willing to repay the $845 balance via credit card in 12 monthly installments of $70.42 each. 08/15/201309/15/201310/15/2013 11/15/2013 12/15/2013 01/15/201402/15/201403/15/201404/15/201405/15/2014 06/15/201407/15/2014

Business

Response:

Review: I have a payday loan thru SplashCash for $500.00. The loan has been renewed 2 times. I had to close my bank account due to unauthorized withdrawals from my account. I received an email from Splash Cash advising that they had received notification that my account was closed. I called the business and asked for a mailing address so I may send a cashiers check to them to pay my loan in full and they would not provide one. I am not giving out my new bank account information due to fraud. The CS representative told me that they were investigating me for fraud due to me closing my account. I have also retained a payday settlement company to settle my accounts and they were to supply SplashCash with a ACH revocation letter. All I want to do is pay the loan in full via a cashiers check and they won't accept payment this way. I got a big speech about the Soverign Immunity and so forth, which is fine but I am offering to pay the loan IN FULL via a cashiers or certified check and they won't work with me or accept my payment.Desired Settlement: I want to pay the loan in full without having to provide a bank account or debit card number. I am not providing my bank information.

Business

Response:

April 10,2013

Revdex.com 152 S. Jefferson, Suite 200 Spokane, WA 99201

Re: [redacted] *. [redacted]

Revdex.com Assigned ID 9498037

Dear Sir or Madam:

I am writing on behalf of FACR ONE, LLC (FACR I), in response to your email dated April 10, 2013 regarding the above referenced complaint.

By way of background, FACR I is a limited liability company organized under the laws of the Chippewa-

Cree Tribe of the Rocky Boy’s Indian Reservation of Montana (“Chippewa-Cree”), a recognized Indian Tribe and

sovereign nation. FACR I is owned and operated by the Chippewa-Cree, and operates exclusively on land owned by

the Chippewa-Cree. As such, FACR I is an “arm of the tribe,” and entitled to the same immunity from state laws as

is the Chippewa-Cree. See Cash Advance and Preferred Cash Loans v. Colorado ex rel. Suthers, 242 P.3d 1099 (Colo. 2010).

Therefore, the activities of FACR I are not subject to licensing by any state and are immune from any state investigation or enforcement actions. The Colorado Supreme Court made clear in the Cash Advance case by holding that “tribal sovereign immunity applies to state investigatory enforcement actions[,]” with the Court further u[r]ecognizing that Congress has not imposed any limitation on the application of tribal sovereign immunity to entities acting as arms of a tribe, all the federal courts of appeals that have addressed this issue have held that such entities are entitled to immunity.” Thus, any state attempt to exercise supervisory powers over FACR I as an arm of an Indian tribe impinges upon the tribal sovereignty of the Chippewa-Cree.

FACR I takes all complaints along with customer service very seriously. As such, we have reviewed your

inquiry and have noted your account regarding your revocation of ACH authorizations. Please note that the

contract you entered into with FACR I is a fully enforceable contract under Federal Law. For your reference,

attached please find the loan application and agreement. The calculation of all interest and charges is clearly stated

in said loan agreement. In addition, it was agreed to by your execution of the agreement. Having clarified the

legality and validity of the agreement you signed and have entered into we urge you to contact our customer service

department to resolve your current default status. Every effort will be made to work with you to rectify this situation.

The outstanding balance due and owing on your loan is $500 in principal. The two payments made were applied to

interest as agreed to in your loan agreement. Please note that your loan will continue to accrue interest as specified

in your loan agreement. Please contact our office TOLL FREE at ###-###-#### to make payment arrangements or in the alternative, mail payment to:

First American Capital Resources

93 Mack Road Suite 500

Box Elder, MT 595221

[redacted] Compliance Officer

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

I have reviewed the response made by the business in reference to complaint ID 9498037, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have been advised by the Maryland Office of the Commissioner of Financial Regulation, the Maryland Attorney General's Office and the Federal Trade Commission that since Payday loans are illegal in Maryland, the loan is unenforceable and uncollectible. I feel I have a moral obligation to repay the principal only and as such, have sent the remaining balance due via Certified Mail, Return Receipt Requested to First American Capital Resource. Letter was sent on April 11, 2013 with a money order attached.

I don't take kindly to threats and to be told I am being investigated for bank fraud, that my employer was going to be notified and that they were going to advise the Circuit Court Judges where I work that I am refusing to pay on a payday loan, when all I did was call to find out where I could mail the balance due is UNACCEPABLE AND AGAINST THE LAW.

In addition to making this complaint, I have also filed complaints against this company with the Federal Trade Commission, the Maryland Attorney Generals Office and the Maryland Office of the Commissioner of Financial Regulation.

Regards,

Business

Response:

April 22,2013

Revdex.com 152 S. Jefferson, Suite 200 Spokane, WA 99201

Re: [redacted]

Revdex.com Assigned ID 9498037

Dear Sir or Madam:

I am writing on behalf of FACR ONE, LLC (FACR I), in response to your email dated April 18, 2013 regarding the above referenced complaint.

FACR I takes all complaints along with customer service very seriously. Please have the customer advise as to the amount of payment that was sent in. Upon receipt and the funds clearing we will advise as to the status of the account. We will work with the customer to rectify this situation.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

In response to SPLASHCASH'S recent response, please be advised that a money order in the amount of $150.00 was sent certified mail, return receipt requested on April 10, 2013. I received verification that the letter was received by SplashCash and was signed for by [redacted].

Please advise if this answers the question.

Regards,

Review: I called Splash Cash yesterday October 2, 2013 to work out an arrangement for the payday loan I had through them and they gave me the number to [redacted].I called them to work this out because I should pay back the money I borrowed even though Splash Cash is NOT licensed to lend to California residents per the website for the Department of Corporations. But I borrowed the money and I will pay ONLY what was deposited not these fees they are attaching.Desired Settlement: I am working out a payment arrangement with [redacted] for a payday loan with Splash Cash I owed in the amount of $750. I do not mind paying the $750 even though Splash Cash is NOT licensed to lend in California which I did not know until after the fact.I am on a hardship payment arrangement and after 6 months they said I can work out a settlement (still waiting on my letter). I gave them my bank card info to begin paying on the loan but they want me to pay like an additional $400 for interest. I will NOT pay that. Splash Cash isn't and wasn't licensed to lend to California residents.

Business

Response:

Dear Sir or Madam:

I am writing on behalf of FACR ONE, LLC (FACR I), in response to your email dated October 4, 2013 regarding the above referenced complaint.

By way of background, FACR I is a limited liability company organized under the laws of the Chippewa-

Cree Tribe of the Rocky Boy’s Indian Reservation of Montana (‘‘Chippewa-Cree’), a recognized Indian Tribe and

sovereign nation. FACR I is owned and operated by the Chippewa-Cree, and operates exclusively on land owned by

the Chippewa-Cree. As such, FACR I is an “arm of the tribe,’' and entitled to the same immunity from state laws as

is the Chippewa-Cree. See Cash Advance and Preferred Cash Loans v. Colorado ex rel. Suthers, 242 P.3d 1099 (Colo. 2010).

FACR I takes all complaints along with customer service very seriously. We have informed the third party

collection agency that we will accept $750 to settle the account. If you have any questions please contact our office TOLL FREE at ###-###-####.

Consumer

Response:

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 have already spoken with [redacted] and have set up arrangements. However I did receive a call a week ago from [redacted] claiming they were retained by Splash Cash in a civil and criminal suit against me. I need to know what tht is in regards to.

Regards,

Review: in May I took a cash advance from splash cash advance for 500.00 I spoke to a representative over the phone and we agreed the principal amount of my loan plus the interest and fees would be coming out within thirty days. I then gave him a check number and routing number that could be used within that thirty days to withdraw the agreed upon amount. after thirty days passed the principal amount and fees were not withdrawn instead I saw a partial payment had been made of 200.00 I figured they must be taking it in payments and went about my business I saw it three more times and figured the amount certainly must be paid off by now. then I saw it again last month but when I continued to try to call them I could not get through. then I forgot about it as I am a business owner and do not have tons of time to deal with these matters, then I saw a withdrawl again today extremely upset I called them to ask them what was going on. They proceeded to tell me that nothing I have paid so far 1200.00 has gone towards principal and that all of those withdrawls were their fees for my failure to call them to set up a payment plan. Of course I was beside myself as I was told the payment plan was set to come out within thirty days via the check number I had provided them. Then they asked if I read the fine print? Of course I responded by saying does the fine print say we can steal from you? don't companies that want to get paid call you? I have used money tree and checks cashed etc many times and I never had to call them to have them withdraw the money that we had already agreed would come out on a certain date. we give them a check number for the withdraw its basically a prepayment. They proceeded to tell me that at this time since I have called I can set up payment for the principal and they will now take out the 641.00 I . this seems entirely illegal. no other payday companies I have ever worked with have operated in this fashion. I would like someone to investigate this I end up paying 2241.00 on a 500.00 loanDesired Settlement: 1200.00

I requested to pay my 300.00 loan in full on the due date of 5/15/13 instead of a partial payment of 90.00. The supervisor insisted that I musy carry the loan over and pay an additional 90.00 for funds which I don't need to borrow because of my not giving them 3 day notice. I want to challenge this so called policy because their website encourages people to borrow responsibly and pay off early. I Want to pay and they will not let me pay the loan and be clear of this debt.

I am a returning customer in good standing but I WILL NEVER USE THIS COMPANY AGAIN NOR DO I RECOMMEND THEM TO ANYONE! I am not going to play the game of closing my account to avoid them. I will take this as a hard learned lesson about using such a business.

Review: I have received phone calls from this company saying that I owe $778.00 in a payday check loan. I have asked them to please validate this by sending me the documents showing that it was me that took it out, due to my ex using my information. They told me that it was done on the internet and that it was me that did it. I asked them numerous times to please send me the documents to my address. They still have not done that. I got a call yesterday from "Legal Services" at my place of work. They asked if I could receive a summons there at work. I asked them what this is in regards to and they gave me another number to call which was ###-###-####. When I called that number a person by the name of [redacted] answered and I proceeded to ask him what this was in regards to and he told me that I was going to be summons to court for a bad check charge. I told him what I have told them all along that they needed to send me the documents to be verified so I can see for myself what I am being charged for. He then told me that he didn't need to do that do to the fact that they have sent out 12 letters to my address (he gave me an address that I have not lived in over 9 years.) I then asked him again please, send me the documentation so I can validate this. He told me that since this is in the process of being summoned, he could call the person that would be here at my place of employment in a few hours. I told him that I am at work and that he would need to contact me after I get off work which would be at 5pm MST. I never got a phone call back from him, however today 3/6/14 I received another call from [redacted] asking for my information. When I told him that I have talked to a lawyer and I am filing for bankruptcy, he told me that I could not do that. I told him again that I have filed for bankruptcy and that he can no longer contact me, he then asked for my lawyers information and said he would get in touch with my lawyer. I also told again like on 3/5/14, please do not contact me at my place of employment.

I have contacted the FTC about this as well. They have given me a reference #[redacted]. They have broken the FDCPA regulations: Failure to cease communication upon request. Engaging a telephone conversation repeatedly. Contacting a person at their place of employment. And contacting me which is being represented by a lawyer.Desired Settlement: I would like for this company to stop contacting me and harassing me at my place of employment and also on my personal phone. •Proof that the collection company owns the debt/or has been assigned the debt. •A copy of a statement from the original creditor. I want amount of the debt by requiring complete payment history, starting with the original creditor. •Copy of the original signed loan agreement or credit card application.

Review: I obtained a payday loan from Splash Cash\First American Cap after making payments realized none of the payments collected were applied to the loan only interest which is over 75%! All they continue to do is renew the loan and charge a fee of $175.00 which is automatically deducted from your account bi-weekly for a total of $350 a month on a $650 loan. Additionally all you pay is interest only not a dollar goes to principal. This is a loan shark company and they need to make this clear when they give these loans out. Once I noticed this I immediately contacted the company via email, they would only contact me. I wanted to make an agreement to close this account. I then added up all the fees paid thus far and they have collected over $700!!! I then again emailed the company regarding this and they still wanted me to pay 500.00 more to settle. THIS IS A LOAN SHARK company!Desired Settlement: Accept all payments received which is well over the loan amount as full and final payment!

Business

Response: