| 03/02/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/2019 I borrowed {$1000.00} from Money Key ( https : //www.moneykey.com/ ). I was approved via an online application, and they sent me the money via my XXXX XXXX bank account. I've heard horror stories about payday loans before, but I had just gone XXXX and wasn't insured and then had an unexpected XXXX XXXX XXXX -- I was in a massive amount of pain as I had a XXXX XXXX XXXX XXXX XXXX XXXX and the doctor told me it had to be XXXX ASAP but in order for the XXXX to go through I had to pay {$2500.00} upfront since I didn't have insurance. I needed the extra {$1000.00} to pay for the XXXX. If there was a family member I could've borrowed money from, I would have. I needed the money instantly, and so that's why I applied. I had every intention of paying them back. Then a close friend unexpectedly died. Around the same time I switched banks to an online bank I liked better because of its high yield saving account and other features. I just honestly forgot about repaying them. I was barely able to work during this time, I was so depressed. Fast forward to today, Monday, XX/XX/XXXX. I'm out of the country for work. I get a voicemail from a number in XXXX, Texas ( XXXX ) from XXXX XXXX saying that it was a " documented attempt to make contact, in reference to a complaint filed against my name and my social. '' I immediately call back because, again, I had completely forgotten about this loan. I fully admit that that is on me. She is rude from the beginning, bullying me into giving her money. It takes me a while to remember the loan, but when I do I calmly state that I understand I didn't pay it back, but that I would like a written record that Money Key sold the debt to them and that they are indeed that company. How am I supposed to know that they're the company. As I told them, I heard nothing from Money Key about this ( I later found an email from Money Key in my junk folder saying they sold my debt ( but it was only that one email, this is the first phone call ) but the name and number they say they sold it to isn't the same number I got a call from ). I'm on the bus when this is happening and I tell her I can barely hear her. We get disconnected. When I get to my friend 's place, I call back asking to speak to her but a guy named XXXX picks up and he won't transfer me to XXXX ( even though XXXX left me another voicemail and called three times from the same number ). XXXX starts harassing me. He tells me to just calm down, to call my daddy and ask for money. Like, what? Call my daddy? Who does he think I am. I tell him I'm traveling for work and I'd again like an email first. XXXX wouldn't give me one without me paying an amount because she claimed asking for an email was a " stall tactic. '' He is like well if you are traveling for work you therefore have a company expense account and can pay us back. I don't have a company expense account. I'm a book writer. I'm here to visit my XXXX XXXX. I'm nowhere close to rich, haha, most XXXX do not get paid a lot at all. XXXX do get paid an advance but the way it works is say you get {$30000.00} for a book. That {$30000.00} is paid over 2 years in 2-3 payments. So you're really only making about {$15000.00} a year. I'm not rich. I barely have a XXXX in my account. But I did have an expense account at my last job, when I was salaried, and you can't use a company expense account to pay back a loan/personal expenses -- that's illegal. So I'm trying to explain this to him, and I'm finally like listen, I work XXXX I can't pay it all ( about {$1900.00} ) right now, but I get paid a lump sum on XX/XX/XXXX and I can send most of it over then ( but again, I emphasize that I want something mailed or emailed ). He's like we can't wait that long it's been a year. ( It hasn't been a year yet, I got the loan in XXXX. ) But still I get that, so I'm like okay then can we do a payment plan? He pushes for me to pay the full. I'm getting frustrated because I am offering to pay via a monthly payment plan and he's aggressively trying to get me to instead pay the full amount. Finally, I'm like I'm back on XX/XX/XXXX and it'll be easier for me to talk to you then. I'd prefer to handle this when I'm in the United States so that I'm also not getting charged a ton for making international calls because it's clear this is going to be a long conversation ( even though it didn't have to be, why not just email me the record I'm asking for and setup the payment plan ). He says no. I am exhausted by this point and am like okay fine, let 's just setup a payment plan. He starts talking about how I owe {$900.00} in fees and that I should just pay a lump sum instead. I start getting incredibly suspicious now. Like I am actually willing to make a payment, it's not unusual to ask for a written verification detailing what's owed and the payment plan options, and then when I finally agree to just pay via a payment plan, you push for the full amount instead? He's like, why don't you just pay a lump sum instead. I say, I don't feel comfortable making that large of a payment over the phone nor do I have that money right now. Then he again tells me to be quiet and listen and he says I just need to " ask my daddy. '' He says that I took the loan, I have to repay it. I'm like, can you let me talk for a moment. I am trying to repay it. He's yelling at me and cutting me off. He says they're going to talk to the client if I don't handle it with them and then the client ( Money Key, I assume ) has the right to sue me and then I'll have to pay for court fees. I finally hang up because I'm tired of being yelled at. If I were some rich girl who could call her daddy, I would've never taken out the loan. If he wanted the money, if he was really concerned with me paying the debt, why treat me like this? He ( or XXXX ) could've emailed me while we were on the phone the payment plan, and then I could've made a payment. During this phone call he also had me verify my parents numbers and my job, so now I'm worried they're going to start harassing them. So then I call Money Key ( the client ) because I would prefer to handle directly with them. They say that they sold the account and can't handle it anymore. I tell them that these people told me they would call them/the client if they refused to pay. They're like why would they call us, we sold the account. Money Key gives me a XXXX number for the company that they sold the account to. I call that number and can't get through -- it's also not the same number that called me which I find very suspicious. I'm not trying to evade my payment, I understand I shouldn't let Money Key know when I changed accounts ( again, I had just lost a dear friend and wasn't in the right headspace ). But I am trying to fix the issue now. If I didn't want to fix the issue, why would I have called them in the first place? I could've just ignored their calls. Now I have my phone on silent because they've called multiple times, leaving harassing voicemails each time ( I have everything saved ). I just want to pay the original lender, as given all of this, I do not feel comfortable giving them money over the phone when they have given me zero verification that they are who they claim to be.
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| 08/11/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MONEY KEY bal. {$430.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau P.O BOX 4503 Iowa City, Iowa 52244
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| 05/03/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX XXXX XXXX originally contacted me on XX/XX/XXXX at XXXX. They had a lady contact me initially to let me know that they are pursuing a case against me # XXXX and that they were a XXXX XXXX Compliance Officer. They stated that they had been trying to reach me in regards to a MoneyKey loan that I had taken out. I didn't recall taking out a loan from this establishment. I requested to have documentation sent to me. They referred me to their legal department at XXXX. They informed me that they are only relaying a message that there is a court case being processed against me.
So, I contact the legal department same day at XXXX. I tried to speak with a lady who said her name too fast for me to write down. She began her speech of telling me that they had a court case being processed against me and that they will be pursuing criminal charges of fraud and a few other charges as well. She also stated that they had sent correspondence to my address ( of which scared me as they had all of my personal information ). They said that they had sent me letters on several occasions and that their communications had went ignored. I advised the lady I spoke with over the phone that I was not sure where this debt had came from and asked for written documentation of this debt. She didn't comply with this request and stated that they had already sent my correspondence via regular mail. I have not received this letter or any written documentation regarding this debt let alone any charges being pursued against me. When I stated that I was feeling threatened and that they were really harassing me on this subject, I heard weird scrambling noises and then they proceeded to hang up on me.
I contacted the XXXX XXXX Courts and they advised me that the case number they provided was an actual case number anywhere in the state of XXXX All of their case number start with a 2.
I contact my attorney who handled my chapter 7 bankruptcy case that was filed late XXXX of XXXX. I asked for advice on how to handle the matter. They tried to reach out on my behalf. But, since I had not given authorization to speak to my attorney, they refused to talk to them. I have not heard any response back on this until today XX/XX/XXXX.
This afternoon, I got another call from the XXXX XXXX Compliance Officer from phone number XXXX. They stated that they were processing my court case XXXX. They stated that I was being noncompliant and that my noncompliance is being documented and would forfeit my legal rights. I stated back to them that this was not true. I had requested documentation of the debt and no one was willing to assist me with this information. I advised them that my attorney has been notified of this. Had I known about this debt prior to my chapter 7 bankruptcy, I would have ensured that this was included. It is required to disclose all debts for this bankruptcy. Nothing was being reported to my credit. Nor were there any judgements filed against me stating that I owed this debt. I continued to state that they had been aggressive and when I had asked numerous times on the initial phone call for documentation of this debt, they simply told me that they had already sent this. Which is not true.
In addition to this, they contacted one of my colleagues. She called me right after letting me know that they had contacted her stating that they had been trying to reach me and that they had a case # XXXX against me. They provided her with all of that information and my full name. They asked if they could have her contact me back. They contacted her about XXXX XXXX after speaking with me over the phone letting me know I was being noncompliant and that my noncompliance was forfeiting my legal rights.
I contacted MoneyKey as well ( XXXX ). They transferred me to their payment solutions department. The gentleman I spoke with confirmed my information and identity. I informed him that my attorney would be contacting them to obtain information pertaining to this debt. But, I also gave them my bankruptcy case # XXXX. I advised them that had I known about this debt at the time of filing for bankruptcy I would have had this settled at that time. The gentleman was very nice, took down the information, and I authorized my attorney to access my account information as needed. He let me know that they had sold my loan to a 3rd party Debt Buyer by the name of XXXX XXXX XXXX. I have provided this information to my attorney.
I have received a few voicemails from this company. They were threatening me with arrest and taking me to court to file charges of fraud against me along with not having funds available in my account to pay for a loan as agreed.
XX/XX/XXXX is the first time I have been aware of this establishment. They have been harassing me, my coworkers and friends, and have been more aggressive in this manner than what is needed. They tried to state that I was being noncompliant and that I have forfeited my legal rights in my last voicemail. I felt very threatened and harassed in this situation. I have tried to request documentation regarding this debt and no documentation has been provided nor have they been willing to provide me that information as I have requested on several occasions.
My attorney is being given a signed affidavit showing that they have authorization to speak on my behalf and obtain information pertaining to this debt. But, they still continue to call and harass me.
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| 12/30/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had absolutely zero communication of any kind regarding this tradeline or debt.
Only yesterday, XXXX did I get a notification from XXXXXXXX XXXX XXXX that a debt collector reported a delinquency. This was shocking because I don't have any delinquencies. I reviewed my XXXX reports and found XXXX XXXX XXXX XXXX.
Never before was any original debtor trying to collect. Never was a letter sent. Never a phone call. Not even an email. The dates and amounts are not disclosed. And XXXX XXXX XXXXXXXX will not provide proof of ownership as rightfully due per FDCPA and FCRA rules.
Instead, I tried to call - no answer. Their voicemail doesn't work. They are not open XXXX. They have been named litigants ( defendants ) in multiple lawsuits. They are under scrutiny for predatory collection practices, and a unique styling whereby they wait for a consumer to repair/secure a favorable credit score and sustain for several months. Then they drop an unsupported collection to see of the consumer will pay, seemingly under duress.
I am currently alleging both civil and criminal fraud based on the general practice and specific knowledge I have.
My only means of correspondence was by web contact, where I issued the below today, XXXX : Greetings, This is my first and only demand letter for proof of ownership and information pertaining to the alleged debt your firm has placed as a collections tradeline on my XXXX Credit Report. Under FCRA rules, you must provide details to support your claim and justify my affiliation with the alleged debt and/or delinquency.
You have 10 calendar days to respond before I seek all available recourse and remedy against your firm for fraud, solicitation of information under false pretenses, falsification of facts, and willful consumer deception. I have never heard of your company or the tradeline represented.
Notwithstanding any alleged suspicions or outcome of purported investigations, it is your burden to demonstrate consumer responsibility. I hereby make this official demand following my unsuccessful attempt to call your offices. If your firm does rescind reports of this derogatory account and issue a blanket, written statement absolving my alleged liability and conceding error, I will escalate to evaluate both actual and punitive remedies for reputational harm, opportunity cost, recovery of time invested, and failure to mitigate.
If you choose to bring suit, which I encourage, do advise of dates of service and jurisdictional setting. I wish to be present at all hearings.
By simply disregarding several identifiable procedural steps as set forth by governing jurisdictional bodies over Credit matters such as the FDCPA, FCRA, CFPB, standards under XXXX, IRS Tax and Lien Code, and Interstate Commerce Code, your firm has made critical errors, if not willful attempts to harm, from the outset. XXXX XXXX XXXX neglected any effort to contact me prior to, or during this collection. Likewise with your client or former tradeline holder. I've not heard of them or from them, ever.
Lastly and in absence of evidence suggesting any legitimacy, I am asserting that your firm has acted criminally in violation of local, state, and federal fraud statutes. XXXX XXXX XXXX has made apparent by their business model and practices that personal gain or unjust enrichment is the outcome of this fraud if not combated. I intend to refer your company to the US Attorney for the XXXX XXXX and the Dept. Of Justice for a more thorough investigation.
It is not acceptable, unlawful, or ethically sound to defraud and cause harm to consumers for monetary gain. I await prompt, thorough, diligent, courteous, and truthful responses from XXXX XXXX XXXX.
If you extra time, do advise within 48 hours.
Sincerely, XXXX XXXX
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| 04/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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So I filled out loan app on internet to find a lender. These people called me ( XXXX ) XXXX XXXX saying I was approved for {$20000.00} loan. Did the whole process account number and routing. Then they said since my credit was low I'd need insurance to make accounting dept Feels better about giving me loan. I said I can't pay for that obviously I need money not have money. They said no we're not asking you to. We are going to wire it to you tonight {$920.00} and you send back in morning and then you'll be insured and we'll wire you loan. They sent it in the morning they started calling me at XXXX. Saying if you want loan just go get XXXX gift cards and take picture and send to phone number. Hurry so we can get you your loan money today. I did.. its their money I figure right. They call me back and say okay we're going to send your loan within 3 hrs the funds. Awesome. After 2 hours a " finance manager '' calls me back ( XXXX ) XXXX. He says okay we're going to send your loan but first we have to send you the money to pay the taxes. Itll be the same as this morning. Okay I say. At this point I'm just thinking about the loan money and my daughters birthday next week and how awesome I'll be able to make it for her with the loan. That night they sent wire. Next morning I see its for {$2900.00}. Damn I think but again all I'm thinking is everything went fine the morning before and how much the actually loan is going to help me out. They call me and tell me to send XXXX back and ill have my full loan by lunch. I follow the same instructions cept this time they say no pictures just read numbers over phone. Yessir I say. Around XXXX still no loan and as I'm checking for loan deposit I see my accounts negative. They pulled the XXXX back out i think. I call my bank and am raising XXXX. Saying I didn't authorize that being taken out to send back. I already sent them that in XXXX gift cards. Thats when the bank tells me it wasn't pulled out. The bank sent in back because of insufficient funds. WHAT! I say how was i even able to withdraw if the funds weren't checked. They wouldn't even give me an answer. Just told me I was scammed and I was responsible for negative balance. Next day you guessed it the XXXX was the same insufficient funds. Now my account is XXXX negative. And my paycheck is due to be direct deposited tomorrow and I won't see any of it. I asked my bank how is it that when I deposit a check even a Federal Government check i can't even have access to those funds till the check clears but for these checks the scammers sent that wasn't the case. And now my life is gon na be ruined. I'm a single father to my XXXX old son and XXXX old daughter and now we're probably going to be evicted. I can't believe this. Please help me get these guys.
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| 01/26/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I received a voicemail from " XXXX '' from XXXX, XXXX XXXX XXXX on XX/XX/XXXX from XXXX stating they needed a call back about paperwork with my name and social security number for an investigation they are conducting. The message went on to say that they needed to hear from me by the end of the day so they can notate my cooperation. I called them back and the first phone call I placed - no one came to the phone but sat in the background saying " they aren't going to put up with this XXXX. '' I hung up and called back and spoke with a representative who told me the debt they are collecting for is from Money Key and they will move forward with litigation ( not verbatim ) and stated, " you can't just take out a loan and not pay it back '' when I told him I've never had a loan from Money Key. I asked to speak to a supervisor. The supervisor " XXXX XXXX '' gets on the phone and when I asked for validation of the debt - he said it originated in XXXX and called Money Key on conference call. Money Key refused to verify any information and the supervisor didn't even attempt to identify himself as a 3rd party as he did with me. Once Money Key, I asked why the debt wasn't on my credit report and he said because they haven't moved forward with legal action yet. I asked why Money Key wouldn't have reported it delinquent. He stated I would have to take that up with Money Key. I called Money Key on my own and they confirmed by my social security number that they have never issued a loan to me and do not have any products or agencies in Virginia ( where I reside ). I called XXXX, XXXXXXXX XXXX XXXX back and requested they remove my work phone number from their records and the representative responded stating he would document my refusal to pay and hung up on me. I called back and " XXXX XXXX '' was back on the line but did not identify himself by first and last name ... it was just the same voice as the previous call. I asked if my number had been marked as no calls at work and he stated " No '' and proceeded to tell me I should be ashamed of myself for borrowing money and not paying it back. I used unsavory language and terminated the call. I immediately received a return phone call ( on the work phone that I requested NOT to be called ) from " XXXX XXXX '' or his voice at least - from a restricted number and he proceeded to tell me he would be delivering a court summons to my JOB and my house and they intend to move forward with their lawsuit. I may have responded but I can't recall. I terminated the call.
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| 10/30/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XX/XX/2019, I had taken a Payday loan from Money Key. I am NOT disputing Money Key, I am disputing a company that told me that they purchased the debt. The company is called XXXX, XXXX XXXX XXXX XXXXXXXX and I was told they are based in XXXX. I along with 2 of my friends received a call from an unknown number stating that if I didn't call XXXX that someone would be at my home or work place in 48 hours. I did not call back, so they called again the next day. My friend answered her call, and spoke with XXXX XXXX who called from an unknown number and told her that if I didn't call back they would be be at my home or work place in 24 hours. So I called back. I spoke with XXXX XXXX that had all of my information from Money Key. He had 2 recommendations for m. The first was that I could refuse to apply and they would proceed with legal action and I would be charged court fees and interest on top of the original debt or I could make a voluntary agreement with them to pay monthly installments on the debt but I would have to pay with debt card, credit card, prepaid card, but I could not mail the payments. I agreed and gave them my credit card. He then transferred to a lady. I didn't get her name, but she was to confirm everything. I asked what was the name of the company and she stated that I spoke with XXXX from XXXX but she was from XXXX XXXX which is explained to be a third party billing company. She stated that they would send me an email for me to sign to confirm. When I received the email, it did not look right to me. No address and the grammar was off. So I called the number I called early that evening and it went to voice and said that I reached a XXXX area code phone number which is in XXXX, WI. So I XXXX both companies and can't find a website or address. I XXXX the phone numbers and could find nothing. I called XXXX XXXX back at XXXX, the next morning, and they stated that they are based in XXXX, and they not have a building with an address for me to send my payments to. He then stated for me to follow the chain of title. That this was a pre litigation collection. So I stated to him that I would like for him to mail me everything. He got defensive and stated that he was removing my credit card information and take this to litigation, so I told him I would see him in court.
I have attached the agreement that was sent to me.
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| 06/16/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Someone called me from XXXX XXXX, saying that he was calling about a lawsuit from Money Key and that I was going to be served for the debt owed. He said that I refused to pay the money owed to Money Key, roughly {$800.00}. He asked, is that correct? I said absolutely not. I told him that I've been working very diligently to repay my debts over the last several years.
I was recently diagnosed with XXXX and XXXX, after diagnosed with XXXX in XXXX. I had gotten into so many payday loans when I had XXXX XXXX XXXX. However, I had worked on settling this debt. I had thought I'd settled this debt previously.
He asked if I could resolve the debt in 2 payments in 30 days. I told him no, I still owed on my rent. He said he could get it taken care of for me as a financial hardship arrangement on four payments every two weeks at {$180.00} each payment, with a {$5.00} processing fee per transaction. We set up the payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
He insisted I use a XXXX or XXXX number, not ACH. I was unaware at the time that this was a huge red flag. I gave them my debit card number, but did not sign any paperwork. Later, I found out my SSN was compromised back in XXXX of this year. I contacted CFPB who suggested I request my credit reports, review to see if the debt exists, if not, contact my bank to stop payment with them, then place security freezes on my credit reports.
I also tried to search the company, and could not find any information on XXXX XXXX. When I called to get the amount of the transaction, I called XXXX and left a voicemail. No one ever returned my phone call. I called again on XX/XX/XXXX and spoke with XXXX XXXX.
He called me on XX/XX/XXXX from phone number XXXX, when the transaction did not go through. I asked for a validation of debt. He said I received the XXXX on XX/XX/XXXX. I looked through my emails to the address he said and could not find anything. He said he would resend.
He actually sent the information to a totally different email address that he did not confirm with me. He called me again and I requested a validation of debt. He said they are not a debt collector. I told him if Money Key would like to send me a validation of debt, I'll be glad to resolve.
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| 07/28/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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On XX/XX/XXXX XXXX XXXX XXXX XXXX called my last employer, XXXX and told the GM I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by MoneyKey and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. MoneyKey sent an email stating my debt had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.
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| 09/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I got this loan due to a need to get groceries and now I am having trouble paying the loan back as I am on ssi but they automatically take payments out of my bank account every month. I did an online chat today and asked about getting another loan after paying off my current loan and then asked if some of the fees for my current loan could be waived. Here is their answer : You are connected.
me : I was wonder if when I pay off my loan, if i reapply for a new loan if they fees are less or not?
XXXX : Welcome to XXXX. My name is XXXX. How may I help you today?
me : I was wonder if when I pay off my loan, if i reapply for a new loan if the fees are less or not?
XXXX : I can take a look at your account and assist you.
XXXX : Before we proceed I need the telephone number that is associated with the account and your state of residence.
me : XXXX me : Tx XXXX : Can I get your first and last name please?
me : XXXX XXXX XXXX : XXXX I please verify the laXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX month and year of your birth?
me : XXXX XX/XX/1981. If you just said all that in XXXX XXXXe it would've been quicker.
XXXX : Thank you. You need to payoff your existing loan before you can apply for another loan and yes there is always fees and interest to reloan.
me : I know that I was not asking about my current loan, I just wanted to know, if I did or when I do decide to apply for another loan if the fees are less than in my current one or not.
XXXX : It's gon na be the same rate.
me : Ok, then I will not apply for a new one when I pay off my current loan.
XXXX : Alright. have a great evening.
me : Is there any way I could waive some of the fees or one payment?
XXXX : The payoff amount as of today XX/XX/XXXX is {$170.00} and I am unable to waive the fees.
me : ok.
Here is the payment schedule and dates for my current loan : PAYMENT SCHEDULE No. Payment Date Payment Amount 1 XXXX {$100.00} 2 XXXX {$100.00} 3 XXXX {$100.00} 4 XXXX {$100.00} 5 XXXX {$100.00} The amount of the loan was only for {$220.00} and I feel all these fees are way too much and they aren't even reporting it to any of the credit bureaus.
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| 01/15/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have a payday loan with Moneykey that was obtained online several months ago. Due to an IRS tax obligation, I had to revoke the ACH authorization privileges on my account and begin making manual payments over the phone with a representative. Due to the fact that Moneykey was not able to receive twice-monthly payments from my checking account, they eventually converted my account to an in-house collection and attempted to set up payment arrangements with me for same. I have ALWAYS stayed in contact with Moneykey and have CONTINUED to make payments towards my account when funds are available to me, however they will not work with you on a payment plan that makes financial sense to their customers. I have informed them numerous times ( on recorded phone lines ) that I intend to pay this debt and will call them every couple of weeks in order to keep the lines of communication open and have EVERY SINGLE COMMUNICATION written down and accounted for in order to ensure they are not attempting to blur federal lines with their collection tactics. In the past, they have contacted my son and forcefully asked him to TEXT ME to call them, they have called my place of employment even though I had spoken to them earlier in the day. All of the collection tactics are harassing and highly unnecessary when I keep in CONSTANT contact with them. When they e-mail me, I immediately respond and have a record of every single e-mail communication in a special folder due to the fact that I can not trust them. This morning, they contacted a reference on my application and left a voicemail on her answering machine asking her to get in contact with me to call them. THIS IS UNACCEPTABLE AND UNNECESSARY when I have never disappeared from their radar and continue to communicate with them AND PAY MONEY towards this debt. Moneykey needs to cease and desist from contacting my employer, my office, and my references immediately. As a matter of fact, I made a payment to to them 6 DAYS AGO on XX/XX/2020. Why do they need to harass my references when I just recently made a payment?? Please assist me in making this harassment stop. Thank you.
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| 11/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I borrowed {$800.00} and have repaid $ XXXX yet this company claims I owe more than {$800.00} still. This is predatory lending. This is obscene!!! They arent even located in the United States, they are in XXXX!
I already filed complaints and this company 's response was that I am to STILL repay {$800.00}. Ridiculous! The resolution presented is : " PROPOSED RESOLUTION We understand that you are not completely satisfied with your Line of Credit. As a one-time courtesy, we would like to propose the following resolution : The outstanding balance on your account will be frozen in the amount of {$800.00}, the amount due as of your last statement date of XX/XX/2019. This means that no further fees or interest will be charged on a go-forward basis from this statement date ; The outstanding balance noted above will be divided into 5 installments of {$130.00} and a final 6th installment of {$120.00}, which will be payable on your scheduled pay dates ; and Once all installments are paid, your account will be closed as Paid in Full. '' MoneyKey is offering zero resolution in this matter. I have repaid the {$800.00} borrowed PLUS {$140.00} in fees. Based the original agreement, MoneyKey expects {$800.00} to pay off the loan meaning MoneyKey would collect {$940.00} in fees XXXX 118 % )!!! I would repay {$1700.00}!!! This is OUTRAGEOUS!
MoneyKey 's proposal solves nothing. MoneyKey still expects me to pay an additional {$800.00} for a total of {$1700.00} for {$800.00} borrored. Again this is predatory, unethical lending!!! And to add to it, MoneyKey wants to sent payments at a rate HIGHER than my loan agreement.
25 % interest in a fair interest amount. 25 % of {$800.00} is {$200.00}. I have paid {$140.00} of that. I will pay an additional {$55.00} payable by check to MoneyKey to be paid by XXXX XXXX.
My account will then be marked CLOSED/PAID IN FULL/IN GOOD STANDING MoneyKey has received its {$800.00} plus additional profits from me. I will AGAIN report this as MoneyKey as provided no resolution. MoneyKey is simply restructuring how it still gets the obscene amount of an additional {$800.00} from me.
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| 09/02/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Received call from company of whose name I did not notice at XXXXCST on XX/XX/2020. Individual called from a XXXX. Identified himself as Mr. XXXX from the XXXXXXXX XXXX XXXXXXXX XXXX. Reported that he needed my statement of defense regarding a civil complaint filed against me immediately. Received a second call a few minutes later. Mr. XXXX reported that he was unable to take the statement or give me information. Placed me on hold to speak with a Ms. XXXX. I disconnected the call to answer another incoming call after being on hold too long. Received another call from same number. Individual was a female identifying herself as Ms. XXXX. Reported need for me to provide a statement of defense for civil complaint from her client. Client was later identified as Moneykey with balance owed of XXXX. Ms. XXXX stated Moneykey had sent several collection notices that were returned by the post office. Ms. XXXX reported I needed to settle issue today or she would further advise her client, Moneykey, to pursue a judgement within my county. I requested The documentation that Ms. XXXX have be sent to me for verification purposes. She informed me that she could not do so even after confirming my email address with her. Ms. XXXX demanded that I provide a settlement amount request or she would advise client to pursue judgement in civil court. I offered Ms. XXXX a number and disconnected the call after a prolonged hold period. Ms. XXXX later continued to contact my phone with an estimated six calls in a two minute timespan. On the last call at XXXX, Ms. XXXX threatened me once again stating i had thirty minutes to return her call or she would encourage her client to pursue a judgement. Her approach has been harassing and threatening in nature and she discussed I could Only communicate with the client through her, not directly. The inability of her to provide sufficient documentation surrounding this complaint was extremely concerning as when I attempted To look up her agencies contact information, nothing was located regarding XXXXXXXX XXXX XXXX XXXX.
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| 05/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Around XX/XX/2019, I applied for a loan and was approved for XXXX. I then called, as the email that I received advised me to do, to speak with a representative to ask questions about the loan. He reassured me that I could pay the loan off early or making a large payment before the first initial payment is due would help with the minimum payment amount going forward. I accepted the loan. I then gave XXXX another call ( another name they are known as is XXXX XXXX ) on XX/XX/2019 due to the payment being due on the XXXX to see how much I would have to have paid on the due date ( XXXX ) and to discuss options with paying them back. I set up a XXXX dollar payment to come out on the due date. the rep advised me by the end of the call that it would be beneficial to pay the loan off by the due date. I said ok, let me see what I can do. I advised the rep to leave the payment set up on the account. I then called back on the XXXX to make the payment in full ( the remaining balance which is due on the XXXX!! ) and was told by the representative to wait until tomorrow ( which would be the XXXX ) to make the remaining payment. I call on the XXXX and they are now telling me that I have to make a payment in the amount of XXXX dollars!!! I explained to them what was due on the due date and they tried to explain to me that the payment that was made was a payment towards the principal. I escalated the problem to a supervisor! She called me the next day and tried to explain to me that they could offer me a deal to pay the balance in full with a payment of XXXX dollars!!!! This is terrible. I wanted to pay my loan in FULL on the actual date when it was due and Im being charged an additional XXXX dollars to do so!!!! Had I been told that any payment made on the account would only count as a payment and not to help me pay my balance in full I would of simply waited!!! That makes no sense! Im disappointed that this is happening. I hope people choose not to work with this company at ALL!!!
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| 07/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, my daughter took out what we both thought was a small payday loan for {$500.00}. We agreed to the repayment of a {$800.00} with this expectation of the loan repayment of the {$300.00} in accrual. To date we are still repaying this loan having paid it back 3 times over and it is now XX/XX/XXXX. XXXX XXXX states that there is still a total amount due of over {$500.00} and the unbeknownst to either of us only 5 % goes toward the outstanding principal with a current interest of over {$6.00}. XXXX XXXX is deducting payments for said payday loan biweekly and the closer we get to paying off this loan the less money they deduct in order to continue making money off of us. We can not get rid of this loan!. My daughter is a struggling young single mother of XXXX who works hard, is in school and does not make a lot of money. At this time she is in financial dyer straights and can no longer continue to pay XXXX XXXX on this ridiculous loan. She has been compliant in paying XXXX XXXX back and on time. We would like this to stop! The amounts they deduct from her checking account are never in a set amount as they spike up and down. It is almost as though they just choose a number of dollars and take it from her in repayment. She appreciated the help and has been very grateful, respectful and kind. I as a mother want them to stop taking advantage of my child. Please help her/us, and I say us because when she hurts, I hurt for her and I too help her keep these people off her and I do not make a great deal of money myself. It's a shame that when you are an honest person you have those that manipulate on those that need it. Yes we knew we would have high interest but not one that would continue to keep her bonded financially
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| 04/22/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I received a call in the middle of the work day yesterday from a " Process Server '' representing XXXX XXXX or XXXX XXXX as I was told on the phone. I received a call from XXXX XXXX, and I explained to her that I couldn't talk to her at the moment because I was in the middle of a XXXX meeting for work. I asked her to call back at a later time. She then proceeded to repeatedly dial my number three more times. After this she called my teenage daughter while she was at school. My daughter called me hysterical saying that a lady said that I was being sued and proceeded to give her all of my personal information, name, date of birth, and social security number. She told my daughter that I would be arrested. She then contacted my estranged husband, and told him the same thing. I got a call from him a few minutes after my daughter. They both took down the phone number I was to call, XXXX. I called the number and spoke to XXXX at XXXX XXXX or XXXX XXXX ( she gave me both names ) and explained to her what happened. This morning I received another call from XXXX XXXX from the number XXXX. I answered the call and asked Ms. XXXX who she works for. She advised that she works for the " government '' for the state of Texas. I asked her to confirm the above number and she said " if that's what came up that's the government number, but it doesn't take inbound phone calls ''. I asked her to confirm that she was a " Process Server '' and that she did contact my daughter and husband and give them person private protected information. She confirmed. I explained to her that I would be reporting this incident and then hung up. She proceeded to call my cell phone three more times after this encounter.
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| 04/21/2016 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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To start with, the original creditor was never up front and was very confusing about their fees they were charging me. I would pay a fee and towards the balance but then they would just keep rolling it over every month. I was n't making progress and got under water. After a few months ( and had actually paid off the balance but for the fees it still was n't paid off ) which surprised me. The amount in collection does n't even represent the proper amount of payments that were made.
They ended up sending me to an outside collection agency but never told me that they were. I never received any Debt Validation letters, nothing showing who actually owned what until it showed up on my credit report under XXXX XXXX.
The problem with this, is XXXX, along with several other debt buyers have been calling me relentlessly for at least 8 months if not longer. They say that I am going to jail if I do not pay my debt, that someone is coming to my house! They say someone is going to the local court house, etc., it never ends. Sometimes it is a live person, sometimes it is a robocall.
Their harassment does n't end with me. Some how they managed to find the phone numbers to my mother, both of her sisters ( my aunts ), my brother and my father. They then continued to harass them about me, yelling at them telling them I would be arrested if I did not pay my debt gave random names/case numbers.
That is a violation of the Consumer Protection laws. No collection agency is allowed to give out personal information to a third party, or harass anyone.
I am a XXXX individual and this has caused an excessive amount of stress and financial strain.
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| 04/05/2018 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.
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| 04/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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Obtained Loan for {$1000.00}, I paid each payday, and came to a point of having issues paying due to the frequency/interest accrued. They froze the interest from that point on I paid {$90.00} each pay day day/ bi-weekly, {$180.00} per month. And if additional pay day I paid another {$90.00}. I continued to pay as agreed and watched the website balance go down per each month. Balance finally reflected on the website I was Paid In Full. Website reflected {$0.00} balance. This company now wants to continue to pull another {$270.00}. from my bank account after showing on their own website {$0.00} balance. I told them to send me something to substantiate their claim. I have asked numerous times for an accurate account. At this time they have not provided an accurate disclosure but sent me to collections instead. I have told them for the past few months - provide me the proof I owe you more money but they do not. They have my correct email address and correct address. Still no disclosure of proof, but their website reflected {$0.00} balance. I think its fraudulent to send me to collections if their website reflected one thing and they cant seem to show me proof I owe them any more money? If their own site reflected {$0.00} balance they should honor that. You cant claim there is something wrong with your website and expect people to just buy into it bc you say so. Show me the proof a complete and clear reconciliation to substantiate your claim. Due to their own lack of honesty I refuse to pay them unless they can substantiate it.
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| 11/30/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX A lady by the name of XXXX XXXX at XXXX and XXXX XXXX aka XXXX XXXX contacted me stating that they were taking me to court if I didn't pay the debt that I owed from Moneykey. I have been trying to fix my credit so I went ahead and paid {$430.00} to settle the debt because I didn't want it to hit my credit. She sent me a letter of satisfaction of the debt and stated that they will not pursue any other action.
Then on XX/XX/XXXX I get a call from XXXX XXXX stating that they are going to be serving me with a lawsuit that day if I didn't pay the debt that I owed for Moneykey. I forgot that I had already paid them and not wanting it to hit my credit I set up a payment arrangement and paid {$250.00}. Later that day I finally realized that I had already settled and paid the debt with them in XXXX. I called the next morning to get it resolved and get refunded and they were extremely rude stated that I have XXXX accounts for Moneykey and that I owed them.
I called Moneykey and was advised that I only had XXXX account and NEVER had XXXX accounts with them.
I reached back out to XXXX and XXXX consultants aka XXXX XXXX and talked to XXXX XXXX and he stated that it was untrue and they will not be refunding any money.
I Disputed the charge with my bank account and left it alone.
On XX/XX/XXXX at XXXX, XXXX, and XXXX I received a call from the " Attorneys office '' of XXXX and XXXX consultants demanding that I pay them or they were going to be serving me with a lawsuit.
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| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I have disputed this XXXX account that's on all 3 credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX, I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX then 2 months later open another account with XXXX in XXXXXXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's XXXX XXXX. XXXX
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| 12/08/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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The loan company Money Key Loans called me on XX/XX/2020 saying we saw you had a inquiry to get a loan and we are willing to provide so we will go forth and process your loan their phone number is XXXX. They asked me for and I gave them My bank account number and my Social Security number along with my bank account login information Then once they figured out it was my account they wanted to start a security process of putting the amount of {$700.00} into my account and then use two gift cards to give it back to them and they did this twice On the next day the second time was in the amount of XXXX and that was for what they said was to fix my credit score so the loan company itself would approve of the loan since at the time I did not have good credit. A couple of days went by and then I noticed that my bank account was overdrawn by {$2500.00} I then called my XXXX XXXX about that and they said two amounts of {$900.00} and {$730.00} were waiting to be processed to be put back into my account then my balance read {$1400.00} on XX/XX/2020 I tried to close that account and open a new one but the bank rejected it and cancelled all my accounts My account however is as also attached to my Mothers accounts and then the bank then took my mothers available funds and her payroll in the total amount of {$1000.00} on XX/XX/2020.
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| 09/09/2020 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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1. On XX/XX/XXXX, I borrowed {$420.00} from Money Key. On XX/XX/XXXX Money Key Sold account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports.
2. XXXX XXXX sold account to XXXX XXXX XXXX XXXXXXXX ( amount unknown ) 3. XXXX XXXX reported to Credit Bureaus XX/XX/XXXX.
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them.
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay XXXX of the debt in order to reverse the 61 points decreased from my credit score. I stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7. The attached documents show I paid a total of {$580.00} to Money Key. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.
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| 10/29/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the XXXX requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the XXXX XXXX a documentation must be provided. You as a company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections XXXX not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything
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| 10/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I spoke with a representative at Money Key advising them I'm revoking any and all ACH authorizations starting with the next payment date of XX/XX/2019. On XX/XX/2019, my account received an ACH debit from Money Key in the amount of the payment. I called and spoke to another representative who listened to the recorded call I previously made and said it sounded like I only wanted to revoke authorization for the payment on XX/XX/XXXX, I told her no that isn't correct I called to revoke any and all ACH authorizations. She then said she made sure to take care of that going forward and would speak to a Supervisor. The representative spoke with her supervisor and got approval for a refund and said that it would be refunded to my account on Tuesday, XX/XX/XXXX ( due to the holiday on Monday ) On Wednesday XX/XX/XXXX I received the refund to my account. Subsequently Money Key took out another payment via ACH on Friday, XX/XX/XXXX. I spoke to another representative on Saturday, XX/XX/XXXX who apologized and reassured me I would have the refund back to my account no later than Tuesday, XX/XX/XXXX and I still have yet to receive the refund. I spoke to someone again who said I should see the refund no later than Thursday, XX/XX/XXXX now.
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| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX XXXX I open loan ( i.e. ) line of credit? they change specification during dispute regarding this action.? for the sum of {$900.00} for twelve months period.
First payment for the sum of {$100.00} was made on XX/XX/2023, was surprised when the balance due was still {$920.00} principal? get my attention to this result?
Contact Money Key customer services and get some confusing responses was not really understanding. Become suspicious about this company i decided to pay off this loan quick a could the loan was paid off for a total payment on XX/XX/2023, total amount paid {$1000.00}. and decided to close this account! was denied as apparently the balance overdue was {$250.00}. despite paid off after ninety days full amount of this loan??
contact customers services by phone! was explain this was not a loan but line of credit.?? This was completely misleading their facts sheets in their Financial Implications form regarding interest & Finance Charges show! for {$1000.00} 12 months total costs will {$160.00}.
I dispute this Banking action as a scam contact XXXX business bureau regarding this abusive interest charged! will be cost multi thousands of Dollard before been able to rid of it this account.
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| 04/04/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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Thus far I have paid XXXX in fees and XXXX in interest with a payoff of over XXXX dollars. I borrowed a total of XXXX on a XXXX loan. only XXXX % of my payments are going towards my payoff-the remaining monies are being applied to Fees and interest. WIth what I have already paid, plus the XXXX ( payoff balance ), my total payoff will be approximately XXXX. However, If I do not pay the payoff and just keep making the bi-weekly payments, It will take me at least two years ( and several thousands of dollars ) to be anywhere close to paying this off. After looking over my statements and seeing how there was no dent being made in my balance, I started doing some research and found out that many of these companies are not licensed to provide loans in some states. After calling the DLLR for the state of Maryland today, i was told that Moneykey is one of those said companies that should not be providing loans in this state. I was advised to file a complaint and close my bank account.
XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX in fees YTD and XXXX in interest
|
| 08/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.
|
| 10/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I took out an installment loan with MoneyKey. Due to a loss of income I got behind on the loan. I am unsure if MoneyKey is even an authorized lender in the state of Alabama due to their enormous interest rates and unfavorable terms. They were recently sued by the Attorney General for the State of Virginia for this very reason. Today, XXXX, my sister, daughter-in-law, mother, grandmother, and my daughter-in-law 's brother called me to tell me they had been called by XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Florida XXXX XXXX Number XXXX regarding my whereabouts. Moreover, the collection agency told my daughter-in-law 's brother that I would need a lawyer regarding the debt that was owed. Moreover, my grandmother was told she should lend me the money to pay the debt. My grandmother is XXXX as well as my mom and they are very upset about the calls that they received today. Additionally, discussing my debt with my daughter-in-law 's brother is a true violation of the debt collection law. My mother, sister, and daughter-in-law were called two times today XX/XX/2023. Please protect me as the consumer as this is unfair debt collection.
|
| 03/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I called moneykey on XX/XX/XXXX to tell them that my job closed my store due to the virus and I have no income coming in at the moment. I wanted to set up a payment plan for when I get income coming back in. The guy on the phone told me " I suggest you apply for unemployment so that way you can pay us back. That is the option most people are taking to get our money back. '' Then I told him I wanted to revoke the authorization for ACH because my bank account is now negative $ XXXX due to this. He told me he turned that off for me. Now, on XX/XX/XXXX I am getting automated voicemails from them for me to call and also a email saying that a payment did not go through. I checked that bank account and again they tried and I have more overdraft fees. I called them on XX/XX/XXXX to ask why they tried to push a payment through after I revoked permission for them to do that last week and we set up a payment plan when I got income coming back in. They lady on the phone acted like she couldn't hear me after I finished my question. I kept repeating myself over and over and still same response " I can not hear you can you repeat that again. ''
|
| 02/20/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
The state of Maryland has never authorized payday loans. Money Key is in violation of Usury Laws in Maryland and because of this violation I Am not obligated to pay Money Key. Money Key has harassed me constantly since the day the illegal payday loan account was opened. Money Key is threatening to sue me in civil court in regards to an illegal payday loan. I 've paid {$110.00} in fees/interest. Also Money Key has a regular finance charge fee on my statement and then " other charges/fees '' is also listed on my statement. Money Key does not explain what " other charges/fees '' means or where it comes from. I was charged {$30.00} for each {$100.00} of your average daily principal balance and also {$15.00} for each {$100.00} of my average daily principal balance. Money Key tries to illegall lend out money and hide under the guise that they are a " Line of credit '' but it clearly states on their website " Payday Loans ''. When you search for Payday Loans, Money Key is the first to come up on search engines. I have tried to negotiate payments with Money Key but now they are threatening to sue me for triple the amount that I owe them.
|
| 12/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as XXXX XXXX XXXX XXXX XXXX with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made.
This morning, after an additional review of my XXXX and XXXX reports, it was associated with Money Key. I attempted to contact Money Key from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times.
I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.
|
| 07/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My son received a phone call from a company Ive never heard of " XXXX ''. These folks told me that they were a proceedings office and that they were taking me to court for an online payday loan that was taken out two years ago. They had a very old address for me and a very old bank account for me on file.
I have never taken a payday loan from MoneyKey and the bank account that they gave me was a credit card account that I haven't had for many years so the funds could not have been provided to me through that account.
The contacts name from " XXXX '' was XXXX XXXX Ph XXXX Ext XXXX Case ref : XXXX.
I also looked up XXXX with XXXX on the phone and they have no website or any trace of their business. XXXX also let me know that she could not send me further written details. I think her expectation is that I pay the outstanding amount right there and then without any clue as to what any of this was about.
I believe that this is a fraudulent transaction made in my name by someone else or being made up by this mysterious XXXX proceedings company.
|
| 12/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
On XX/XX/2019, I submitted a written email three ( 3 ) business days PRIOR to the date of my next loan payment and revoked authorization for an ACH withdrawal. Within in a few hours of that same day, XX/XX/2019, I recieved a written response from an agent, XXXX, who stated via the email below that they received the response, turned off ACH and that they would not direct anymore withdrawals from my account. On XX/XX/XXXX, the company made an automatic ACH withdrawal without notice.
Hello XXXX, Thank you for your email.
We have received your your request and have turned off the ACH Authorization accordingly. We will not direct any automatic payment request to your banking account.
Please remember that now you will need to call us on your due dates to make the payments with a debit card.
If you have any questions you can call us at XXXX during the business hours of XXXX XXXX XXXX XXXX and an agent will be able to assist you.
Best Regards, XXXX.
MoneyKey Customer Care P : XXXX XXXX XXXX XXXX F : XXXX XXXX XXXX XXXX
|
| 07/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I am requesting your help in this matter, due to COVID and losing hours and no stimulus and not qualifying for unemployment we were desperate and sought financial line of credit through money key however we now have realized there is no way we can afford to continue this payment at {$180.00} dollars every two weeks and this not getting paid off for years and the loan bal starting at XXXX and will end up paying three times that, in recent news we have become aware of President XXXX overturning the rent a bank true lender rule and the bank connected with this company was also mentioned in the Congress letter as one of the rent a banks that has went around states laws and using outrageous fee and taking advantage of people during this financial and health crisis, we live in the state of Arkansas which is cap at 17 percent, I am asking for your help in this matter and to have resolutions of voiding their contract and Harassing phone calls due to signed law by XXXX to protect Americans from such illegal money scams
|
| 10/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.
|
| 07/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I contacted Money Key regarding my account number is XXXX. I explained that my main bank checking account listed with Money Key was hacked by ID thieves. I was informed by law enforcement to file a report with the Police, Texas Attorney General office, and Consumer Finance Protection Board. I have no way to make my final payment right now pending this investigation and reestablishing my direct deposit from my XXXX pension fund. Is there any way that Money Key could give me an extension on this final payment without reporting it as a negative entry to my already decimated credit profile? If you need me to compete an affidavit please send me the link or document via email, XXXX. Here are the report numbers for verification and to place a collections suppression order on this account *XXXX Police Department 's Economic Crimes Unit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *OAG/Federal Trade Commission Affidavit , # XXXX *Consumer Financial Protection Bureau , # XXXX
|
| 10/03/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My name is XXXX XXXX. I received a BLOCKED call from a XXXX XXXX on my cell phone on XX/XX/XXXX @ XXXX and i still have the saved recording. On the message, He stated that there was a Legal Case ( XXXX ) against XXXX XXXX and i was listed as an associate to the address XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I called the number that was left to call, XXXX. When i called, i blocked my cell number just as they did, but they would not disclose what company they were and what company they collecting for. The last cal to them, i was advised that they had spoken with XXXX XXXX and it was taking care of and they couldn't discuss her case without her approval. I hung up and called my daughter and she said they had called with the same LEGAL threat. My daughter took out the ONLINE PAYDAY LOAN with MONEYKEY in XXXX. I called them and apparently they are unaware that they can be held responsible for the actions of the their THIRD PARTY DEBT COLLECTOR for consumers.
|
| 12/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received between 5 and 10 calls, every single day for months. I have asked that they stop calling my cell phone, since they are calling so much and the calls just increased. Some of the calls, when answered, just sit quietly and hang up after a minute or so, others they answer the phone screaming and then when you tell them you don't appreciate being called 10 times a day they tell you to " get over it. '' They also call from a different, but similar, number every single time, so trying to block the numbers won't work either. Tonight, I stated that I was going to report them and the woman laughed at me and said " like the government would take the side of someone who owes money over the ones putting money in their pockets. '' I understand I owe a debt, I have lost my job, I have properly communicated this information with XXXX XXXX per my signed agreement, yet they are literally harassing me all day and night, every single day and night.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to MoneyKey. I am not familiar with this debt, and I have never taken out a loan from MoneyKey. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report.
Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with MoneyKey. The reported amount and the alleged occurrence date are from the year 2021. However, I have not received any documentation or notice from MoneyKey regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt.
I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.
|
| 05/11/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
I am experiencing a hardship after being a victim of fraud in XX/XX/XXXX. In efforts to protect myself I made a police report in XX/XX/XXXX as soon as I found out about the fraud. I also contacted my creditors about the fraud committed against me and would no longer be able to pay my debts. I wrote them Hardship letters explaining my situation and asked please not to contact me. I am currently living off my Social Security benefits and it is the only source of income I have. Currently the phone calls have not stopped. I received anywhere from 15-20 calls a day and also they leave voicemails. I have explained to them over the phone I do not have money left over after my expenses are paid off. I am reaching out to you concerning the debt collectors practices. I am currently working with a financial counselor assisting me in getting my finances in order, however it is taking me some time to get back on my feet.
|
| 10/03/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
XX/XX/2018 -XXXX XXXX XXXX contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension.
XX/XX/2018 -I called XXXX XXXX XXXX -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract.
XX/XX/2018 XXXX XXXX -XXXX XXXX XXXX contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day.
XX/XX/2018 -I contacted XXXX XXXX XXXX -I requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
|
| 08/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/2019 I took out what I thought was a payday loan for {$520.00}. It turned out it was a line of credit in which this company expected me to pay {$66.00} bi weekly. Only {$20.00} of the {$130.00} would be applied to the principle balance which is Insane!!. This company has caused overdrafts to my bank account and financial stress. It is wrong for companies of this kind to take advantage of individuals who are experiencing financial hardships and add more financial crisis on customers. This company is a complete RIP Off!!. I spoke to them and they showed no empathy at all. They are harrassing me at home and even calling my work place. I fear of losing my job, due to the harrassing calls. I feel I have paid enough on this loan and haven't been given any credit. Now I'm being told I owe {$720.00} now even after my payments for the last 3 months. This company is a complete RIP OFF!
|
| 07/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Pawn loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XX/XX/2023, I applied for a online loan with a company called Money Key, they called me and said that I was approved for {$5000.00} and then they asked me how much do I want to borrowed, then I said {$3000.00} and then they told me that they have to put insurance on they money in which they said it would be {$900.00} that they will send me and that I would have to send the money back to them. So they told me to go to XXXX and get a pre paid card and load the money on the card, .so I did and I had trouble getting the money out of my checking account, so they told me to go to a ATM machine to draw the money out of my account, out of the {$900.00} that they said they sent to me, I only could get {$300.00} out of my account And my checking account is overdrawn {$560.00}. Now Im behind for my XXXX and my XXXX on bills, Im not going to have money too pay for my Rent.
|
| 08/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I was contacted through text message from a company called Money Key loans and they said that I was approved for {$5000.00} and I paid a loan I gave them all of my credit card and all of my banking information and the end I was told that I would have to send {$100.00} through XXXX XXXX and also I contacted the actual money XXXX company and they said that they have no numbers or anything pertaining to the number that contacted meAll of this took action onXX/XX/2019A target my savings account you which was through XXXX XXXX XXXX and also my XXXX XXXX account which is through XXXX XXXX XXXX It also through my next been account and two of my accounts I already have move the funds over that I had left in each account before they could even try to take anything out but I did get out all of my personal information and Im a little bit skeptical about that at this moment
|
| 02/20/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The company XXXX contacted my sister around XXXX on XX/XX/2019. The representative was very rude with her and said she better have her ( me ) contact us or were going to SUE. I called the number back numerous time just trying to find out what company it actually was. He left a voicemail that didnt state what company he was calling from. When I called back, it just kept going to his voicemail. I finally got a live person and I asked for a supervisor. I was put on hold and after around 4 minutes, the lady tried to locate my account but couldnt find me. Finally she found me and didnt verify she was speaking to me and didnt ask for the last four of my social security number. She stated the last four of your social is XXXX. I explained to her this is not aloud and she was very nice but she still didnt get the proper personal information before discussing my account.
|
| 03/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I switched banks in XXXX. I updated the information as required. On XX/XX/XXXX I made XXXX payment with the new bank. However XXXX XXXXmoney key decided to try and take money from my old account. Pls note that I did not have automatic payments set up I always made the payment myself they never automatically took it out and I have prof of this on my bank statement. I noticed it said that I didnt make the payment so I called and was told what happen and was told it was fixed. However it was not and they are reporting that I was late with XX/XX/XXXX and XX/XX/XXXX payment. My bank statements prove that I made a payment on XX/XX/XXXX and XX/XX/XXXX for XXXX payment. I have called at least six times I have been told they will get back to me but nothing. They refuse to fix their error even with the bank statements I sent showing I was never late in a payment.
|
| 11/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
My name is XXXX XXXX I am XXXX yrs old.
In XXXXI got a loan from XXXX XXXX for {$500.00}. the intrest was to be {$87.00} I paid {$71.00} in XXXX, I paid {$180.00} in XXXX, I paid {$210.00} in XXXX {$200.00} in XXXX {$180.00} in XXXX. they gave me an add {$110.00} in XXXX. took another {$180.00} in XXXX. I changed act. as to me this should of been paid in full. they attempted to charge me another {$220.00} the first week of XXXX. and are claiming I now owe them over {$600.00} They have black marked my credit file and thus claiming I did not pay any money on the loan. all I paid was intrest fees. and it is going up and has stopped me from getting a bank loan to keep living. I know my payments more than paid the loan. want something done about it. my address is XXXX XXXX. XXXX XXXX lot XXXX in XXXX ks XXXX, my phone mess. is XXXX thank you.
|
| 09/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
On XX/XX/2023 I got a loan for XXXX $ so I could consolidate some bills. The site says you are encouraged to pay more than the minimum payment. On XX/XX/2023 I paid XXXX $ towards the loan. On XX/XX/XXXX I paid XXXX $ towards the money owed. So I looked at credit reports and I am over the limit! This has been reported. So I paid XXXX $ since I got the loan only to be both over the limit and more in debt. I am a senior citizen of XXXX and I needed the money for an emergency. I have a house payment and home insurance to pay and a cyberstalker who steals from me. I wont be able to eat much next month as I will have to pay them first. I have medical issues and I think its wrong since XXXX of XXXX I paid XXXX $ in their handling fee. I know they cant operate in my state of Mn now as I called Dept of Commerce snd they recommended I file here
|
| 09/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called XXXX threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something.
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates.
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did.
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
|
| 05/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to XXXX. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from XXXX, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
|
| 07/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing Money Key for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is XXXX XXXX XXXX at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license
|
| 04/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
The loan was taken out in 2017.
Attempted to payback and was unsuccessful. Keep getting calls and voice mails stating the following : This message is showing is for XXXX XXXX my name is XXXX more and this is your from a vacation in regards to delivery _______ of our documents we making several times to reach you at your residence or place employment today XX/XX/XXXX between the hours of XXXX and XXXX XXXX so I'm unable to reach you guys are location is documented as a direct refusal to sign your questions concerns or need to reschedule prior to my arrival please come get the van parts office directly at XXXX and refer to reference number on this in the in XXXX Ary this is your phone the vacation I'll be out today between XXXX and XXXX XXXX They are also calling family members and leaving voice mails.
|
| 03/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I did not apply for a pay day loan. I was defrauded at the XXXX banking instution and closed my accounts due to this non stop fraudulent activity. I was alerted by the credit karma that there was a new item on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX # XXXX is reporting a collection for Money Key # XXXX. I have also been contacted by XXXX XXXX with XXXX XXXX XXXX XXXX stating I owe this money regardless they have the wrong mailing address etc, I asked for tangible documents to be sent to me to file a complaint and he hung up on me. I then contacted XXXX XXXX and spoke with XXXX who stated that they outsourced the collections to XXXX XXXX and that I should ask for a supervisor. I dispute the validity of this collection item and want it closed and removed from my credit files.
|
| 08/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
A car accident injury and Covid has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that XXXX XXXX XXXX, XXXX report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Reference # XXXX Current Credit : XXXX XXXX XXXX XXXX XXXX Current creditors account # : XXXX Original Creditor : Money Key Original acct # : XXXX Current account balance : {$1000.00}
|
| 11/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company has been harassing me on my mobile device and calling my place of employment, they have been threatening that a locator has been looking for me and they are trying to take me to jail because the loan was not paid off. The reps in which Ive spoken with today XX/XX/2018 were very rude and told me that the company WILL receive their money by any means. I am very disappointed that they are and have been harassing me like so. I asked the rep how much did i owe she gave two different amounts in which one amount i have no clue of. I asked about an installment plan but she was beyond demanding about receiving my funds after me telling her that Im unable to pay at this moment. Also i havent yet to receive anything in writing from this company demanding money.
|
| 02/07/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
I applied for a payday loan of {$570.00} in XX/XX/XXXX. The first payment was due on XX/XX/XXXX, of {$270.00}. Paynent was successfully paid. I told XXXX, That I would like the payments to be paid on the XX/XX/XXXX or XX/XX/XXXX of each month. She said OK. I contacted her to let her know that I had change my bank account because, someone had taken XXXX from my account. Even so, the bottom line she is saying in order to pay this account off I need to pay on the tenth of XX/XX/XXXX {$420.00}. and that is only a payment. I asked what was the interest she said 0.5 percent interest. The next payment I do not know what she will add on. I needed the money and I feel this is a rip off. Can you help me. In addition I believe the interest is totally wrong. 0.5 percent.
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Here is a transcript of the call. I have not received documents they are referring to.
XXXX Deposited a new message : " Hello. Unfortunately, our office has been retained at this time to file for a levy and a garnishment in regards to the individual by the name of XXXX XXXX. M O N E Y K E Y, our client has sent several pieces of documentation in the mail offered several ways to handle the matter, amicably. They've also sent several offers via email to the email address that's listed on the contract with them at this point in time. Nothing 's been done and our client is asked. So we contact the employer right away. Our office line here directly is XXXX. We need a return call right away. Thank you for your time. Have a good day. M O N E Y K E Y XXXX XXXX. ''
|
| 04/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company called my mother XXXX XXXX at XXXX, on XX/XX/21 at approx XXXX and threatened that a process server would be serving me with legal paperwork over a debt. My mother was advised of a case number against me - and my mom was told I had a debt and was threatened by a XXXX XXXX that papers would be served to my place of employment that day.
I called back on XX/XX/21 to the number given - XXXX. I was told that this was the number to call back. This was not XXXX XXXX nor the company he claimed to be calling for, it was XXXX XXXX XXXX for a debt that had been sold twice.
I was told that they are a mediation company that tries to reason with the person before it goes to litigation. I agreed to the terms but I am now concerned that this is a scam.
|
| 06/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I emailed Money Key 's Customer Service Dept asking them to stop the upcoming ACH debit and future debits from my account. I told them this account was closing and that I would make alternate payment methods on this account.
I emailed their Cust Serv again on XX/XX/XXXX specifically asking someone to acknowledge receipt of either of my two emails. I specifically stated that any prior ACH authorization that was given, was now rescinded and that they are not allowed to acess my account in any form without my permission. The 1st email was done within 72 hours as is typical time to react. They have intentionally avoided contact in the past. I want ( I NEED ) them to re-credit my account asap!
|
| 01/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Received a call from a 3rd party collection agency that threatened to have me arrested for wire fraud for stopping my ACH. I was unable to make the demanded high payment right at the time, and the company identified themselves as summers process servers. The man said if I could not pay, I would be in jail in four days for wire fraud and hung up.
They claimed the process servers were located in my county, but after doing research, I found no such company. He said that by ending my ACH authorization, I had committed wire fraud because my bank account was collateral. The number was from XXXX, Tx and the man was very pushy, rude, and very threatening, almost laughing. The number was XXXX.
|
| 09/08/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says MONEYKEY but my credit report says XXXX XXXX XXXX which is two different companies,
|
| 08/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Company has not contacted me for over 2 years regarding this debt. They called from an unknown number threatening to send police and contact my supervisor at work to find my location. Proceeded to contact family members and ask if I live there and stating they would send police to verify if I didn't contact them. I called as soon as I could. They proceeded to put me on a payment plan that is above my means currently but I agreed so they would not continue to harass me or my family. They did not give their name or any information other than the phone number and case number. I do not have anything in writing to confirm the payment agreement.
|
| 03/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I paid this loan off in full on XX/XX/XXXX. I received a receipt but not a pay off letter. I then received a letter in the mail in XXXX of XXXX saying that this debt had been sent over to a another collection agency. I contacted money key and they said they couldn't help me because I had to speak with the collection agency. The collection agency was less than helpful. So I contacted the creditor that the money was paid to. They sent me a paid in full letter. However they keep sending the debt to different collection agency to try and collect more. I need this to stop as it is affecting my credit and reputation. Thank you.
|
| 10/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I and several members of my family have been continually harassed by XXXX and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have submitted several disputes about the XXXX Money Key line of credit which should have never been reported to credit bureau XXXX there was never a 30 day missed payment, the loan amount inaccurate, payment % inaccurate, account never been updated since XXXX XXXX showing incorrect information as if no payments were made on account. This information Should not be on account if company is not going to accurately report information consistently. No one at the company is reporting this matter correctly or trying to fix their error. Which shoes I owe an amount that is inaccurate. Refuse to take off credit report.
|
| 01/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka XXXX XXXX left detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of XXXX to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.
|
| 10/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
I have made payments to Money Key and they debited my account for two, one I paid. They made a payment arrangement for this month to pay on XX/XX/22 through one of the employees in collections. They are now stating that I owe more money than the payment to be paid on XX/XX/22 This has occurred each time I make a payment. They called me 3 times today and emailed me 3 times. The last phone call I made to verify and the Person started yelling at me that the payment was not enough I owed for other payments. I have an agreement in writing for the payments that have been made.
They have other complaints online.
|
| 10/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
on or around XX/XX/ i started getting calls from Money Key at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX that i owed a debit to them ( loan number XXXX ) i have never had loan with this company in my life my bank account was compromised around this same time when i lost my ss number my bank and i closed that account and started a new one money key some how had my phone numbers from my phone and was calling my contacts looking for me, i do not i repeat do not do online loans nor have i ever had one with money key this is money keys mailing address XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX, XXXX, DE XXXX
|
| 03/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company is reporting debt that is not mine on my credit report. i have written letters directly to the address on my report and never received a response. This derogatory information has impacted my scores dramatically and this debt is not mine. I have asked on countless occasions for documentation to show where this debt originated from and signed literature showing this belongs to me and none has ever been provided. I want this erroneous information removed from my credit report. i do not owe this debt.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
|
| 07/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Informed money key collection agency Third party i believe at XXXX that they were only to be contacting me regarding this balance as XXXX XXXX. They called my references again today XXXX/XXXX/15 regarding my balance. I have told them that I was only able to afford XXXX month XXXX or XXXX begin to be rude and saying that money key did n't give you payment arrangments when they gave you the loan. I do not feel that i should be treated like that was n't disputing that i did n't owe it just could n't afford to pay what that collection agency wanted. Still harassed me and I termnated the call.
|
| 11/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2019, my supervisor came to me and informed me that someone was reaching out to me and didnt say where or who. My supervisor gave me the number to call back. On Monday I received a phone call from a company that claimed that is a 3rd party for money key. I nicely told them that can they please stop calling my job and me. The lady on the phone was very rude and started yelling saying that I need to pay them back or they will take legal action soon. Today XXXX XXXX the same lady called and once again being rude and threatening me by saying they will file a lawsuit against me.
|
| 12/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Mr XXXX from XXXX XXXX XXXX called me about a debt from money key. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the money key loan of {$410.00} the loan is from XX/XX/XXXX. I called money key to see if I owed them money and it was paid off XX/XX/XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the XXXX XXXX XXXX. Please do what is necessary to stop my harassment.
|
| 05/25/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX ( akaXXXX ) is misrepresenting a situation.
I got a call today XX/XX/2019 from a lady wanting to serve me papers at my residence. I told her come on i was home. She insisted on giving me XXXX XXXX phone nimber XXXX and a claim number XXXX. Within 5 minutes both my sister and ex-husband called saying she had called them also telling them i was being served for not paying a debt and to call mr. XXXX. Lady never came. I callef mr XXXX and he wanted to talk about an old moneykey payday loan from years earlier where i had already filed a cease n desist.
|
| 10/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
During the application process I was sent a link to access my checking account information. I ask the customer service representative what the purpose of accessing my account was, to which she replied " it's to verify that your checking account is active. '' she put me on a brief hold and return to the phone asking if my check was partially deposited into this account and the rest deposited elsewhere. Based on this questioning, I knew that she had accessed my account, without my consent or knowledge. This happened on XX/XX/2018 at approximately XXXX XXXX
|
| 08/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
On XX/XX/20 at XXXXXXXX XXXX I received a call from am unknown number letting me know that someone has case information for me and that they are trying to locate me. They gave me a number to call and a case number the number is XXXX. When I called, they informed me that there was a case against me regarding an unpaid debt. They made themselces sound like they were from a government agency, even indicating my county as if to associate themselves with county officials. They also called my mother and said the same things.
|
| 05/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I lost my part time job and i now have XXXX and moved in with my father.While i worked i got a loan with Moneykey.After i lost my job i got behind.Then the collection calls started.I got a debt relief lawyer the XXXX law firm to settle the debt.Monkey claims they will not work with this law firm.I talked to the XXXX Law firm and said they have worked with Moneykey before.Moneykey then started phone calls and threats.Can you please help me.Moneykey corporate office is XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX.
|
| 09/13/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.
|
| 05/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I was given a call by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
|
| 04/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
On XX/XX/21 an alleged process server went to my job i was notified spoke to the individual they said they were hired to serve me for a same day case at 2 different address one in nc which i hadnt lived at in four years well before the alleged debt took place. She gave a a phone number and case number i contacted the individual and they said that once the process server got to me they would immediately start a garnishment of 52 %. I made an arrangement out of fear that i wouldnt be able to provide for my family
|
| 07/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a XXXX XXXX loan in XX/XX/XXXX and have already paid more than the balance of the loan. I have come to some financial hardship due to high medical bills for our son. I called XX/XX/XXXX and asked for a repayment plan and told them that with my work contract I would be going with a three week period of no paycheck and they said they can't change the payment schedule and will need to pull the money out anyway knowing I won't be getting a paycheck. This will cause overdraft fees on my account.
|
| 04/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Received a stern message from a debt collector @ XXXX with personal information shared ( XXXX ) stating this was a warning & if I did not return the call my employer would be contacted & legal action would be taken against me. The caller gave my full address & stated I would be served but must provide photo ID & wear a mask. Others in my family also received the same message. I have no idea what this is in reference to & do not appreciate the threat. If money is truly owed, send me a bill!
|
| 10/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I took out a loan with Money Key for {$1000.00} in XXXX of 2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from XXXX. I never received any communication from XXXX XXXX that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted XXXX who advised that they sent a notice in XXXX 2016. I advised them that I never received any communication.
|
| 11/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I emailed the company to Let them know my pay days have changed and it would be the opposite Fridays. Their response clearly lead me to believe they didnt read my email.
I sent them paystubs as proof and I got no response from them. No communication what so ever. They just took money from my account on a Thursday morning. Which is not what is agreed upon in our contract. This cause me to become overdrawn.
I reached dour to them again and have received no response yet again.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I believe this loan from Money Key is based on an Interest Rate that exceeds Maryland XXXX Law. Each payment is not applied to the principal ; in addition {$30.00} per {$100.00} borrowed is charged monthly. The unpaid balance appears to increase monthly. After approximately {$900.00} in payments I called in for an advance on my Line-of-Credit. I was told a payment of {$310.00} was returned and that payment must be made to access any available funds.
|
| 02/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
This is a payday loan from MOney Key. Somewhere along the line a Company called XXXX called me and my spouse using legal action and would file a record of fraud on me. I asked for verification debt and what there address was and they refused and told me they were just going to proceed. I got scared and paid them {$300.00} I want my money back till I get my verification which they refused and they wouldn't give me there address of where they are at.
|
| 05/31/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Sent email to them on XX/XX/XXXX advised them not to contact me.
Contacted them on XX/XX/XXXX to make settlement. Got email back wanting more information, sent that to them. Still did not want any more calls. They then called that same evening.
Then on XX/XX/XXXX they called again I called them back and told them no more calls they said they would no longer contact me and she was blocking all communication.
XX/XX/XXXX they called again.
|
| 03/20/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call from an unknown caller, " XXXX XXXX '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the sheriff to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago.
Very nasty, making threats.
|
| 06/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
I was contacted via telephone number XXXX. A company that would only identify themselves as " XXXX '' They said I must pay {$3400.00} or a settlement of {$2200.00} or I would be charged with 'defrauding a financial institution ' and would go to jail. They contacted myself, my ex wife, and my wife. Telling them all of the information on the case, including the amounts, the debtor and the case number.
|
| 02/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I keep getting different final amounts owed from week to week even after paying a substantial amount towards the loan. The company does not allow the user to view thier previous payment history on the website or from their app so I can track my payment history. Every week I have to ask what my remaining balance is, and every week it either goes up or goes down. I feel I am being taken advantage of
|
| 11/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
While making payments, I discovered that I am being charged a ridiculous amount in fees when making payments for a loan I requested to help me and my gamely move. When making a {$180.00} payment on every occasion XXXX would continue indefinitely, every 2 weeks, they were charging me a " service fee '' of {$160.00}, only allowing {$20.00} to go towards my total loaned amount.
|
| 01/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call on XX/XX/XXXX from monkey saying that they were calling about a loan someone open in my name the account was open in XXXX of XXXX under a bank account that I no longer has access too and a job I haven't worked at since XX/XX/XXXX there saying I owe XXXX which I have no clue of the money and that they is going to file a legal suit against me.
|
| 05/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I received a loan from XXXX XXXX on XX/XX/2018 they take out XXXX biweekly I called to inquire about payoff amount I borrowed XXXX and my payoff balance as of XX/XX/XXXX is XXXX not only have nothing came off of my balence of the XXXX already paid. The said it is so high because I didnt do the other pay off options that was never even offered to me
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX have been calling my job repeatedly. They have called my mother, who is XXXX from XXXX, and other family members. They have threatened to send the police to my job.
They say I owe a payday loan from 2016. I have no recollection of that transaction. They said the loan was for {$500.00} but they want to charge me {$3500.00}.
|
| 02/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
borrowed XXXX do not agree with payment agreement due to loan sharking activities for such small amount. trying to make pay XXXX dollars .will be willing to find affair resolution to this exorbitant amount of interest that they are asking for yours truly XXXX XXXX let be known it was done due lack resourses when I requested help
|
| 10/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I borrowed {$800.00} and have repaid $ XXXX+ yet this company claims I owe more than {$670.00} still. This is ridiculous! They do not respond to emails. Their chat feature never connects. They arent even located in the United States!
I want my account marked PAID IN FULL/IN GOOD STANDING/CLOSED
|
| 12/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am filing a complaint XXXX XXXX for operating a payday loan service in the XXXX of Arkansas and charging customers interest rates beyond the allowed limits in the state of Arkansas of 17 %. Also, under Arkansas XXXX payday lenders are prohibited from providing loans to customers in Arkansas.
|
| 02/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I guess money key sold my information to I dont know who and theyve been calling my sisters and Job pretending to be a government official of XXXX and that they would take legal action I will attach a transcript of what they called messaging my sisters. Same voicemail was left to my employer.
|
| 04/29/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Monkey Key Never Told Me That The Fee They Charge When You Make The Loan Also Is Charged Interest Too. And Can Bring Your Loan Pass You Iimit Which Brings You To a Higher Loan Rate For Your Loan ... They Charge Fees Before And After I Make A Payment.Leaving Me Paying Nothing On The loan.
|
| 07/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
This company obtained all my financial banking information including access to my bank account number, banking transactions and my debit card all before approving loan.
They are refusing to remove my personal information from their system although I did not obtain any loan from them.
|
| 12/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
this was a payday online loan debt trap with extra amounts added to my pay back amount, which i was unable to meet their pay back guidelines, due to paying my rent and lights, gas, causing financial stress on my household. Receiving harassment emails. Affecting my credit score.
|
| 04/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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On XX/XX/2018, an associate at XXXX XXXX XXXX contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.
|
| 10/19/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.
|
| 09/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Hi XXXX, We would like to speak with you so that we can finish processing your request for a new Installment Loan through MoneyKey for up to {$5500.00}. If approved, any requested funds may be deposited into your bank account the same business day2.
|
| 07/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I borrowed {$600.00} from XXXX XXXX and repaid almost {$800.00} in prinicipal interest and fees. They are now claiming that I owe an additional $ XXXX+ in fees and I believe it is unfair practices and predatory to require these additional monies.
|
| 10/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I told XXXX XXXX that I had trouble with licensing at my job and would not be getting paid until it was fixed, they have called and emailed me repeatedly. I told them I could do $ XXXX/month until I am able to pay more and they told me no.
|
| 09/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I realized I was being charged over 700 % APR and according to the state of Florida usury laws, any loan over 25 % interest is unlawful and considered criminal. This company is a scam and is hounding to be relayed with that interest.
|
| 09/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
When I applied for this loan, it was not disclosed to me that my loan balance would increase. I was not made aware of this. I will not repay this loan back because the balance continues to increase. Please help me thank you!
|
| 06/23/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
Money Key has contacted my family and employer. This is completely inappropriate and I have already told them in writing that they are not authorized to contact anybody other than myself about my business with them.
|
| 10/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The company seemed to charge extra interest on the loan. It seemed like the more I paid it down, the more interest was charged. I took out another loan to pay this loan off completely.
|
| 05/05/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
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I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.
|
| 01/19/2017 |
Yes |
|
|
|
Web |
|
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THE COMPANY NAME IS MONEY KEY AND THEY KEEP CALLING MY PLACE OF WORK AT XXXX AFTER I HAVE REPEATEDLY TOLD MONEY KEY REPRESENTATIVES I CAN NOT TAKE PERSONAL CALLS AT MY WORK.
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I am getting multiple stories on the customary fee, I even received an email stating that i am not charged a customary fee, but it's 260 % interest. I need to understand.
|
| 10/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
209percent interest on a {$2600.00} dollar loan. Now owe XXXX dollars because I don't have payoff amount. Falsely led small print writing I signed for but did not see it.
|
| 12/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Called from XXXX refused to give a correspondence mailing address threatened to take me to jail and prosecute me accused me of fraud also called my family members
|
| 11/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
This company emailed me out of the blue saying I took at a loan which I have never done with a payday loan. My mother just passed away and they are harrassing me.
|
| 09/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I can not afford to pay back the loan right now my financial situation is not in good standing and I need the company to stop over drafting my account
|
| 12/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
They contacted me and from the gate it felt off because I buying gift cards applying for a loan it didn't make sense then telling me to go to a XXXX
|
| 03/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
{$270.00} dollar loan was told to settle on XXXX XXXX for {$310.00} on my online profile it says {$350.00}, called in, now they say {$390.00}.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXXMoneyKey is an account that i do not remember as mine ... .. this accoun is a mistake in my credit report ....
|
| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Im a single mother I borrowed {$300.00} this pay back chart has paying back {$600.00} this is crazy!
|
| 05/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Threatened and called my family members, threatened arrest/warrant, threatened to call my employer.
|
| 02/25/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have not received any documentation to validate this debt.
|
| 02/02/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Servicemember |
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 05/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American, Servicemember |
|
|
| 04/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 08/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 05/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
|
| 07/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 05/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 02/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 02/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 01/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
|
|
|
| 12/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/05/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 07/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 06/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 11/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 11/03/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Phone |
Servicemember |
|
|
| 10/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 10/17/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/01/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 05/20/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/23/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 08/07/2014 |
No |
|
|
|
Web |
|
|
|