White Hills Cash

Review: This company is engaged in making loans that are well above the legal rates Pursuant to Titles 45 and 47 of the Tennessee Code. After the LEGAL and enforceable amount( principle) had been repaid,they refuse to cease calls to myself and my place of employment after receiving certified mail and email of demand to cease communication and their clear violations of the law in my state.Desired Settlement: To have this company cease all communication from me and any references they have listed. All legal debt considered paid in full and all usurious interest rates considered null and void.

Business

Response:

Dear [redacted]:

Reference: Case ID 9666693

We would like to inform you that White Hills

Cash has a disclaimer on our website and on the contract signed by Mr. [redacted]

[redacted] which clearly indicates that White Hills Cash is a tribal limited

liability company wholly-owned and controlled by, the Ft. Belknap Indian

Community of the Ft. Belknap Reservation Montana (the “Tribe”). As a sovereign

enterprise, White Hills Cash is not subject to state regulations. By

signing, the Loan Agreement on May 6, 2013, he agreed to comply with all the

terms and conditions.

Our records indicate that Mr. [redacted] was

issued a loan (number [redacted]-00) in the amount of $305.00 on May 13,

2013. As of today, we have received the following payments:

May 31,

2013

$91.50

June 14,

2013

$91.50

July 5,

2013

$91.50

As a courtesy, to resolve this matter, White

Hills Cash is willing to settle this account for the balance due on the

principal in the amount of $30.50 as long as it is paid no later than Friday,

August 23, 2013.

In his complaint letter, the Tennessee Code

Titles 45 and 47 refer to interest on mortgage loans. Additionally, we

would like to mention he has not paid any interest on this loan.

As per his request, we will cease all calls

to him place of employment, home and cell phone number.

Mr. [redacted]

may send his payment for the balance of the principal due to White Hills Cash, [redacted]

Respectfully,

Manager

###-###-#### Extension [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9666693, and find that this resolution is satisfactory to me.

Regards,

Review: There is a loan in my name with this company and unfortunately they call anyone who has your last name giving out your information. They will not stop. I am an adult and any business they have or think they have with me they have the means of contacting me directly. They have my cell, home numbers and email.Desired Settlement: I want them to stop calling anyone with my same last name and either call me and me only on my cell, house phone or thru mail or email. No one else is listed or involved in anything.

Business

Response:

I don't think its right for me to pay Wkly .When all other loan places are monthly pymts by the time I pay white hills cash I'm broke .I want my money back since I know now that they aren't with Revdex.com.

However, lately when I emailed this rep to ask how things were going, I never get any replies from [redacted]. I am concerned in this area because I never met her but whenever she did not reply, problems occured in reference to my account. My account was debited ahead of time but even in this, a supervisor reviewed my account, apologized, credited the fees and worked with me. I am so disappointed that others experienced a different side. If they hired more representatives with a heart like [redacted]'s then things would be better.

Review: I took out a loan for $355 in March 2013. White Hills Cash has been withdrawing $106.50 out of my account every 2 weeks since then. I sent an email asking my payoff amount the end of June, to which they responded I still over $420 and they would be withdrawing the entire amount. I responded by telling them do NOT withdraw that amount. They are continuously harassing me and trying to withdraw from account which has caused me several overdraft fees and subsequently the bank closed my account this past week. When they leave messages between their harassing calls they will not identify themselves.Desired Settlement: I would like my debt settled once and for all. This company has cost me hundreds of dollars more than the loan with their poor business practices and unwillingness to put money paid towards principle.

Business

Response:

Dear Ms. [redacted],

Review: threating phone calls, they stopped for a year and started up again calling three times a day

Started threatening phone calls over a year ago. Told them to contact payday support which works with them to settle debt. Never complied with the regarded information now they are starting to use threatening calls says I have a summons, lawsuit and threatening to come and get me. I know its a scare tactic but Im tired of this harassment. They need to be closed down for good and all payday loan centers.Desired Settlement: stop harassment. I had a company try to work with them to get paid for an illegal debt in which they don't a license to practice payday loans.

Business

Response:

Dear Ms. [redacted],

Please make sure you know the company you are speaking with. We have not called you since January 2, 2014 and we do not make threatening phone calls. Our company uses the following guidelines to protect you:

Review: My orignal loan was with another company that they bought out, unknown to me - So I was current with it until january , when I had to borrow again due to work cutting hours and ss with holding my benefits for three months - - then in mid january I got same note that they were having trouble withdrawing ach- which at time I thought was very strange- so I gave them my debit card number- I was current until I had to get a replacement card- and due to all the credit cards from master card being hacked - I had to wait three weeks to get anew one. I had informed them of all finacial issues ss being with held and work cutting hr plus back card issue.. I just now got my ss back and it was not full amount- - They have taken out over 300 in finace charges so far and laons total 526.50 . then they had allied finace calling me- no clue who they are- And have also threatened me with reporting me to check companies and legal action which is against the law. also have sent me email saying I owed 700??? In there letter they stated they would settle for 350- but in another 325 takein out in two installment- which is way beyond what I can do.. I have also checked with my state they are not licensed to operate in Ohio even over the internet as them or their Parent company Island finasce. this tribsl business is wrong- they should be held accountable li9ke other businesses. I had every intention of paying them back- until- I got notice they had taken monery out of my account a weekago and they did not have my card info. Very fishy.Desired Settlement: the account cleared or waived because of practices that were not ethical. I have already turned this over to my attorney and am considering ftc as well

Business

Response:

Dear Ms. [redacted],

Thank you for letting us know of your concerns.

Review: I contacted White Hills Cash by calling ###-###-#### on Thursday February 6th at approximately 4:45 pm to apply for a $300.00 loan. After spending about 30-45 minutes on the phone with a customer representative, giving all of my personal and banking information and signing online documents agreeing to the terms and conditions of the loan I was told I was approved and the funds would be wired to my checking account by the end of the banking day Friday February 7th. By 4:00 pm on Friday the 7th, I had not received a deposit of $300.00 into my account so I called White Hills Cash, again they asked for all of my information and placed me on several long holds only to tell me they did not see a wire transfer set up and the rep said she was working with a supervisor to correct the issue and would call me back by their closing time of 8:00 pm and I could receive the funds by Monday. I never received a call back on Friday so I called Saturday morning at 8:30 am and was after being placed on hold for another long period of time was told that there was no record of me calling Friday but if I would give them all of my information again they could set up a wire transfer today, interesting since I was told Friday they could not do wire transfers over the weekend. This was enough for me to tell White Hills Cash, if that's even who they really are to take all of my information out of their system and I disconnected the phone call. Not once did the representative answer any of my valid questions about my previous calls and never once said what happened to the Thursday and Friday conversations.Desired Settlement: This company needs to either be investigated for it's validity or change their business practices because after my experience White Hills Cash seems fraudulent and I am concerned where all of my personal and banking information has gone.

Business

Response:

Dear Ms. [redacted],

We are truly sorry for your experience, unfortunately we had some recent job re-assignments. As a result, the representative assisting did not follow the proper procedures for wires. We understand that the delay in funds, cause you to maybe take your business elsewhere. This is unfortunate for us as we have truly valued our past relationship with you and apologize for any inconvenience this may have caused. Please rest assured that all the information in our database is kept in a secured environment.

Should you have any questions, please feel free to call me.

Sincerely,

Director

###-###-####

Review: White hills cash interset rate is 637.69% APR per loan. I took out a loan for $425.00 in July, the extended it every 2 weeks at 637.69% APR unless paid in full. I couldn't pay the full amount and its caused me to lose accts due to these payments. I have been paying since July and still owe $350.00 I believe .I have paid about $800.00 already. I don't see where this loans are legal with a apr that high. My bank advise me to report them due to the issues I''m having. White hill cash aslo changed their billing system and no longer take payments out of checking accts and are requiring another form of payment, I feel this is on fair not everyone has a debit card. Now they are sending me emails, calling, and sending texts. How is it on me when its their issue?Desired Settlement: I would like them to stop charging me every 2 weeks and have me pay the bal in Feb with no extra charges. Also stop harrassing me

Business

Response:

Dear Ms. [redacted],

I have reviewed your account and see that you have had several loans with us in the past. As a courtesy, I am putting a hold on your account, waiving all the fees going forward and offering to settle the account in full with a one time payment of $110.00 in February which may be made by check or money order and sent to the follow address:

White Hills Cash

I trust this meets with your approval, should you have any questions, please feel free to contact me at ###-###-####.

Sincerely,

[redacted], Director

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.]

I have reviewed the response made by the business in reference to complaint ID 9899743, and find that this resolution is satisfactory to me.

Regards,

Review: This company is a payday loan company and requires your banking information. This company deducts reoccurring payments from your bank account, however after the amount of the loan is "paid off" through these deductions plus interest they add 10 to 15 dollars on top of their 100/mo "fee" to simply have an "account" with them. This is misleading and pretty much stealing as they seem to state that you will have deductions plus interest..however the deductions evidently do not go towards your loan..it is a meer "fee" of some kind. My loan was for 350.00 and I was charged almost 800 for this loan and was forced to have my bank stop payment on their deductions. I have found online many people who are being scammed and robbed from due to lack of communication, false advertising, and fine/ or non-existant small print about their practices. This is highly unethical. it is understandible to pay your loan off plus interest, however to continue being charged WELL over your loan is nothing but highway robbery. Americans need to be assisted by these type of companie,s not robbed from by trickery and manipulative business practices. Thank you.Desired Settlement: 437.00 for over charged funds. I would even accept half. This is about principle not so much money to me since I now have a stop payment from them. My goal is to simply protect other people (single working mothers as myself) from being put in a more difficult finiancial situation then we already are. There are many people that do not abuse these loan services and need them as a resource if they fall on tough times or in the event of an emergency. I greatly appreciate any action at all you take. Thank you.

Business

Response:

When I went through the loan process with White Hills Cash, everything looked good and something that I could afford. After accepting the loan, I was unable to print their loan documents. I called the company and they told me that the money was already in my account. I asked for a copy of the loan papers to be emailed to me and I was told to go to the website. I still did not give me a copy of the loan papers. I asked on three different occassions to have a copy of the loan papers. After a month of calling, I finally found someone who would send me a copy of the loan papers. Come to find out, It would cost me over four thousand dollars to borrow $475. This is crazy. I was in a really tight bind and needed money fast so I was unable to do research on the company.

Review: This company has been repeatedly calling me at work and at home regarding a bill that is not mine. I have told this is not my bill and I've asked them to send me, in writing, a detailed explanation of the bill, including all service charges. They will not send me a bill. They have threatened to have police come to my place or work and arrest me. They have called me names. They have yelled at me on the phone. They have threatened my family. They are rude and vicious. This is not bill and they will not listen to me. Their methods are illegal.Desired Settlement: I want them to stop call me immediately. I want them to stop sending me text messages. I do not want them to send my any email. I do not want to be contacted by these people at all. This is not my bill.

Business

Response:

Dear Mr. [redacted],

Review: This company called my place of business. I cannot receive those type of calls here. I told them to call my cell or email me. [redacted] called today. I want her reprimanded.Desired Settlement: I would like for them to please call my cell phone only. I would also like for them to email me and I would like restitution on my account.

Business

Response:

Dear Mr. [redacted],

Our file indicated that [redacted] did call your work on 4/11/13 to speak with you. [redacted] advised her that you could not receive calls or messages at work so [redacted] marked you file as 'DO NOT CALL WORK', The number was then taken out of our dialer. I do apologize for any incovenience.

Sincerely,

[redacted],

Director

Review: I contacted White Hill on 3-27-14 to request a loan in which I was approved. I can send the paper work to your office if needed. The amount agreed upon was $500.00 via an ACH to my bank account on the very next day. I spoke with [redacted] who informed me that the loan would be processed via ACH not wire transfer. I wouldn't have agreed upon a wire transfer because I know it cost to do that and I needed the money for moving. The call was even recorded. Anyway, the amount was never sent ACH to my account. I didn't receive it as agreed upon. I called their office at 1:54pm and was informed that there was an issue and that the loan should be coming through via ACH by the end of the day. At that time I asked for them to cancel it because I found help for my moving through someone else. I was informed to call back as soon as the loan was processed. I saw that it was done around 3:30pm and I called them. I noticed that it was sent via wire transfer. I wasn't happy about that. I called them and proceeded to cancel the loan. I was informed that something was wrong with their ACH system and all loans were sent wire transfer to their clients that day. I am disputing the $15.00 wire transfer charge that I got from my bank chase. I called White Hill today 3-31-14 and spoke to a manager who informed me that they cant refund the money or wont. I wont have never received that charge from Chase if they had sent it via ACH. I didn't agree to a wire transfer. It they had called me to inform me of the issue with their ACH system or even told me that during the approval process I would've made an informed decision to accept it or not. They are refusing to refund the amount even though the issue was caused by them.Desired Settlement: I request a refund of the $15.00 from White Hill Cash for the wire transfer incoming charge.

Business

Response:

Please be advised that we have refunded the customer $15 to cover the bank wire fee charged by his bank. Should there be any other questions or concerns, please do not hesitate to contact us.

sincerely,

Director

Consumer

Response:

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID 9990652 and find that this resolution is satisfactory to me.

Regards,

Review: This company is a payday loan, they keep calling my job. They want to collect money from me which I already paid. They call from different numbers a leave messages. Also different people call all the time.Desired Settlement: DesiredSettlementID: Other (requires explanation) I want this company to stop calling me.

Business

Response:

Dear [redacted],

We have called you to collect money that you still own on your loan. You did not pay off your loan as agreed on your next payday and choose to pay the extension fees in it's place as illustrated in your Truth in Lending Agreement which is part of your loan agreement. As a courtesy, we have settled the remaining balance on your loan. Please call should you have any other questions.

Sincerely,

[redacted],

Director

###-###-####

Review: After Christmas (2012) I needed some money to pay my bills so I decided to get this loan from White Hills Cash ($300.00) and I was told by them that I had to pay back a total of $400.00. On March 15th 2013 I thought it was my last payment. On March 29th I checked my bank account and there was another $100.00 deducted from them. I called and they said that for every $90.00 I payed, it was only really putting $30.00 toward my loan. As of April 2nd, they told me I still owed $383.50, I called the Revdex.com and they said that Payday loans are illegal in New York State. They also said that there is a 25% limit on interest (New York State Law). I feel that I have more than paid back what I borrowed. They charged me an interest rate way over 25%. I have also filed a complaint with the Attorney General.Desired Settlement: I would like a refund for being overcharged in interest. I would also like all emails, texts, and phone calls to cease. I would like documentation that my account has been paid in full.

Business

Response:

Dear Ms [redacted],

Review: I borrowed 430.00 was told the finance charge would be 129.00. I agreed with total amount owed of 559.00. I repeated all the information to the customer service employee, She confirmed the amount of 559.00. She then sent me a document to sign. Read the information and signed. I have already paid 665.00 When I called to find out the issues and how they may be resolved I was then told that the full amount owed would be $3,910.00 for the $430.00 borrowed. I can't pay this. Please help me resolve this issue with these people. I never saw any information anywhere about 3,910.00 to be paid back until today. when I asked if she could forward this information to me by email, she became very rude and told me she could not send any information that I had signed or agreed too. I don't think anyone would borrow 400 to pay back 4000Desired Settlement: I want this as listed paid in full. I have already paid back what was agreed too. I will not and should not pay 4000.00 I do not have it. This business should be shut down. they are thieves and in this country we arrest thieves.

Business

Response:

I see you took out a loan on 1/22/13 for $405. I also see that we waived off your balance due on 4/8/13 because you did not understand the program. You stated at that time you did open out emails because you thought they were junk and that you that you thought the loan was paid off after six payment. The $3910.00 that you are referring to is what is listed on the Truth In Lending Disclosure that is required by Federal Law that we provide you.

I feel confident that when you made your second loan with us on 5/29/13 for $430. that you fully understood the program, especially after calling in back in April. Again as a courtesy, I will waive all you fees; however you will still owe the principal of $430.00, but you will save $285.00.

I am more than happy to work with you to set up a payment plan. but I will need to hear from you by August 29, 2013.

Sincerely,

Review: I have several loans with this company and I miss one payment and they are fairly settling with me. They actually want the amount of payment to be more than what I paid in the past. I explain to them I cannot afford this payments and ask for options. I have read reviews on this company and that they are scam. It is illegal to have payday loans in Georgia as well. I feel I have been scam with this company.Desired Settlement: A affordable settlement or close of accounts.

Business

Response:

Dear Ms. [redacted],

I would like to address the allegation

you laid out by saying we are a scam.

The great thing about the internet is that one can say what one wants

and for the most part face no consequences for slanderous comments. We have grown accustomed to this. In fairness to my company, as stated in your

loan agreement and our website; White

Hills Cash, LLC is a wholly Native American owned Limited Liability Company

located within the boundaries of the Fort Belknap Indian Reservation, a

sovereign Native American Nation. As such, White Hills Cash, LLC conducts its

business under applicable Federal law and the laws of the Fort Belknap Indian

Community Tribe. Your agreement was executed pursuant to the Indian

Commerce Clause of the United States Constitution. Native American tribes have

a special status under the US Constitution and as such are exempt from state

regulation. Pursuant to Federal Law, White Hills Cash, LLC is a completely

lawful enterprise in any area.

In a review of you file, I see that

you have three loans with us. Your first

loan is almost paid off with a balance of $65.

You stopped payment on you other two outstanding loans. The current balance to pay off you loans is

$705.00. As a courtesy we will waive all

fees (this includes finance, late, and nsf ) and settle your account for

$450. This is the outstanding principal

on your account. I am proposing the following terms:

$50 on June 28, 2013

$50 on July 12, 20113

$50 on July 26, 2013

$50 on August 9, 2013

$50 on August 23, 2013

$50 on September 6, 2013

$50 on September 20, 2013

$50 on October 4, 2012 and a final

payment

$50 on October 18, 2013

If this is not doable for you, please

call and speak with me directly, we are will to work with you to reach an

amicable settlement.

Sincerely,

Director

###-###-####

Review: I have been trying to make payment arrangements with the company and I get no response than all of a sudden I'm getting threaten emails of jail.from Acs inc for the balance of the amount due to white hills cash.no one answers My emails and it is getting frustraDesired Settlement: That the company accepts my payment arrangements at this time because I am a single parent that was in a tight bond and I am having financial dignities and cannot pay $100 a month but can send $20 to $30 and if I can send more I will

Business

Response:

Dear Mrs. [redacted], I am sorry to hear someone is bothering you, but it is not our organization. Should anyone call from our company, ask them for your security code. If they do not know it, then hang up it is not us. Should you not know your security code with us, call us or email us and we will send it to you provided you use the email on file here or verify who you are on phone. I do see that on 11/4/13 you notified us by email that you were struggling and asked us to be patience. We did respond that we understood your situation and requested to speak with you about setting up some sort of arrangement. On 11/22/13 you advised that you had no way to call us and that you were using a borrowed computer. We did email you back on 12/13/113 with information you could use one line. I feel confident that should you call our office we could work out an affordable arrange to pay back only the Principle owed of $455.00. We will be more than happy to work out small monthly payments, but we need to speak with you to work it out. You may reach us toll free at [redacted], should you want to speak with me, my extension is [redacted]. Sincerely, [redacted]Director.

Review: This business keeps calling me. I have not spoken to them as I feel I've paid them enough. The initial loan was for $345.00 on 1/10/12. I have already paid a total of $542.50. Payments have been on 1/27/12, 2/10/12, 2/24/12, 3/9/12 & 3/23/12. I would like for the payments that I have already paid to be settled and paid in full as I've paid more than the original loan amount.Desired Settlement: Settlement, paid in full and no more phone calls.

Business

Response:

Dear Mrs. [redacted],