AAA Auto Title Loans, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85209	Web	Older American
In XX/XX/2021 I visited the Cash 1 store on XXXX and XXXX to refinance my loan which I had done at XXXX and XXXX XXXX a month or so before. During my visit to the XXXX store I told the Representative to make my payment date for the XXXX, like the previous store. The Representative said ok no problem. Well they didn't do as asked Apparently. So on XX/XX/XXXX my daughter gets a text message and I get a email stating the payment was coming out of my account on XX/XX/2021. I also specifically ask to have a 6 month term as the Representative said they could do. I called to find out why they were requesting my payment on the XXXX that it was due on the XXXX. The man that represented himself as the Store manager his name is XXXX. He stated he could not change the due date, and he wanted my bank statement to prove when I got paid my Social Security and Pension payment from my deceased husband that I receive monthly. My daughter was listening and said mom they are asking for that information because they are trying to make you sign a new contract. If my daughter wasn't there and works as a Loan Specialist for a very large financial institution, I would have done it, which in turn would start my loan all over again, which means I pay alot more in interest. This company has you express sign electronically in front of them off your phone. It has you check off on boxes for consent. They don't go over all the information with you to make sure everything in correct like loan term, payment date, interest rate etc. So here I am thinking and trusting in there practices. Boy was I wrong. The store manager as he called himself absolutely refused to change my payment date and tried to get me to sign another express loan agreement. He was rude, very unprofessional. Im a XXXX year old women and was told by XXXX to stop cussing. I was applauded. I don't use curse words and when I asked what he was talking about, he stated back to me well you almost did. Wow unbelievable. This company is taking advantage of the elderly by trying to get them to sign new contacts to increase their paybacks in interest. And abusing the elderly/ myself with accusations. Again if my daughter wasn't listening to what was going on over the phone they would have got me. I just was trying to get corrected their mistakes on my payment date. And they put me on a 7 month contact, instead of a 6 month as they stated they could due, and agreed too. I hope by writing this complaint to the CFBP they will change how they conduct business and treat people in general, and that they will make my contact a 6 month original term and the payment date of the XXXX each month. I was always paid my loans on time, paid them off be for they came to term, etc. Please help me resolve this situation. Best Regards, XXXX
11/14/2022	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	AZ 85044	Web
On XX/XX/2022 I received a phone call from Cash 1 title loans ( XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) asking if I applied for a loan. I told them no, and a lady named XXXX told me that someone obtained my drivers license and car registration from hacking the DMV 's website. This person used my license and registration to apply for a title loan. I asked how we can stop it and she said that no loan was approved, but they put a lien on my vehicle. I've filed a police report, a report with the FTC website, opened a case with Arizona DOT Office of the Inspector General, and contacted Life Lock. I have yet to be assigned a detective with the XXXX, and they keep telling me to be patient as they are busy. It's been over a month. I filled out all the documentation for identity theft, and have received no response. I've been in touch with Cash 1 multiple times to ask them to remove the lien from my vehicle and I keep getting the run around with them. Everytime I call, I get " It will be released in 2 hours '', " it will be released in 2 days '', " we're having program/system problems ''. I contacted Cash 1 again for the last time on XX/XX/XXXX, and XXXX told me the same thing " I put in an emergency request to remove the lien, and it will be cleared in XXXX hours ''. XXXX has refused to provide any written documentation that this lien has been removed from my vehicle. I don't have much faith in what she says because I've heard it multiple times from her. I told her that this is the XXXX time she's told me it will be removed, and all times it hasn't been taken care of and she denied ever saying that the lien will be removed. They did not physically see my vehicle to put a lien on it, which according to the Office of the Inspector General with Arizona Dept of Transportation, they can not put a lien on a vehicle without it being right in front of them. This person who stole my license also has been trying to apply for a credit card with XXXX XXXX, which I put a stop to, but now I'm waiting for it to be removed from my credit report. I pulled my credit report and have noticed several soft inquiries with my information for title loans and credit cards. I am looking to trade my vehicle in, but I can't because they are the Lien Holder on my vehicle. I own the car, have the title for it, but their name is on it as the lein holder.
11/20/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	NV 89120	Web
I have had loans with cash 1 in the past and always paid them off and never had a problem with them. I would always pay my loans on time and in full. A few weeks ago, I talked to cash 1 loans to let them know that I had XXXX recently and had to catch up on hours at work. I let them know that I was behind on my rent and other bills and wanted to lower my payments so that I could catch up on those and still play them. I went into cash one store to cut off my automatic draft out of my bank account on my current loan so that I could stop payments from coming out my bank account automatically. Also, I wanted to see if I could set up a payment plan so that I could pay a lesser payment while I get back on my feet. I have had friends that had similar situations with cash 1 in the past and they were allowed to set up a different payment plan and take off automatic draft. Even a week ago I had a friend that did. Cash one said they can not take of automatic draft and that I could only pay the installment loan full amount an nothing would be allowed. Please do not do business with this company because they will not work with you if something ever happens to you, even though they have done it for other people. I have never had any problems like this before, and am very disappointed in a company that I once had the uptmost trust in. This is not fair treatment. Two weeks ago I canceled my automatic drafts with my bank since I ca n't through cash one and wo n't be able to pay anything since they will not allow me to set up a payment plan for a lesser amount. Friday, I looked at my bank account and noticed they withdrew {$150.00} out of my account even though I called my bank and stopped the automatic drafts. Yesterday, when I called my bank they said that the original time cash one tried to draft the payment it did not go through. So my bank said cash one changed their numbers around to try to draft the money out of my account until it worked. My bank tried to stop it after it started processing but could not. They said it was taken out. I want to take off automatic draft and to make payments in smaller increments and pay it off but I do not know what to believe anymore. Please be aware of this company if something ever happens.
11/10/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AZ 85225	Web
I called XXXX XXXX in XXXX, AZ on XXXX XXXX today, XXXX XXXX, 2017 to pay off my title loan in full because the car no longer runs & I dont use it, so need to junk car. Last statement amount is {$510.00} but they charge interest daily. Im changing bank accounts & had debit card from my joint account instead of account they have on file. Was told I could not pay off my loan in full except with card on file over the phone, only make a 1 time installment payment for the minimum amount. I told them I couldnt come into the store because I moved out of area. True. The location is in XXXX, AZ & I live over an hour away in XXXX, AZ. They wouldnt take money from me/let me pay off loan. I told them repeatedly I found it odd they didnt want to take my money & it seemed like they didnt want the money & if they wanted their money they needed to let me pay off the loan or they could just have the car. They refused both. I asked to speak to a manager. First woman claimed to be a manager, so I requested to speak to someone above her. She finally agreed after I insisted & put me on hold for several minutes. Then another woman got on the line & claimed to be a manager. Im not convinced either employees were really managers. She told me I couldnt pay loan off or give them the car & they had a lien on the car so I had to make payments. It made no sense. I want to pay loan so I did something Im not proud of, I lied & said I moved to California & couldnt come to location. She still wouldnt let me pay the loan off. I asked to speak to her boss. She told me she was the boss. I told her she must have a boss. She told me to call corporate XXXX number & leave a message. I went to website where theres zero information on paying off loans, only information on taking out title loans. I filled out a contact form asking why it was impossible to pay off loan & telling them if they wouldnt allow me to pay off the loan, I was having car towed to their XXXX location this weekend & that the account they have on file is being closed.
03/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85051	Web
Beginning of XXXX I took a loan out through XXXX XXXX for XXXX. My intention was to pay the loan back within the first week of XXXX. Hours are short in my line of work during the month of XXXX typically so I do not make as much. But I receive a bonus on XXXX, which was why I planned to pay the loan back quickly. Due to unforeseen circumstances I was unable to do so. At that point I continued to make the regular payments that were due through my contract with them. After a month or so of paying them quite a bit of money and receiving an email that my loan had not gone down by very much I decided to look closer at the details of the loan. My interest rate was 167 %! By end of XXXX I had paid approximate {$560.00} and my loan had gone down by about {$75.00}. Of course this is my mistake for not looking at the details beforehand. In my case, it was because I didn't plan on paying through the full length of the contract so at the time I felt the details were irrelevant. Again, my mistake. But regardless of those facts 167 % interest is outrageous! I attempted to call the XXXX XXXX location to discuss the matter and spoke with XXXX, the manager on duty. Where she informed me that she did not think that rate was unfair and it was actually one of the company 's lower interest rates. For a company who, for the most part, serves customers in financial duress, this practice seems unconciencable. They are taking advantage of people at a low point. For the record my payments have all been made on time and will continue to be. I just want to warn anyone in a time of need to please use any other options! You will dig yourself a hole with this company that is very hard to get out of. After my experience I was able to find other companies with much more reasonable interest rates. Do your research. Hope this helps someone.
04/01/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	AZ 85249	Web
I had been reading publications and seeing news segments about how consumers have been getting short ended by payday loan groups pulling funds intermittently out of their bank accounts. Well, this is extacly what has been transpiring in my case for the last 5 months. XXXX title loans pulls funds out of my checking account when first and foremost, I never gave them authorization to. They asked to see my debit card and I asked why. The representative stated, " because this is just to verify if the debit card is linked to your name and your account. For veification purposes only. '' Then, 2 weeks later I began to see charges from XXXX on my statement. I called the company and told them to stop taking money out of my account, and that I can sumbit payments to them through and online portal or by phone. They refused and week after week, having funds in my account or not, XXXX continues to give themselves authorization to pull funds from my account. Every time this happens, my bank hits me with overdtaft fees. When I address this to XXXX XXXX XXXX and attempt to get refunded, they refuse to. With that being said, at this point, I'm not only being account jacked for all of my hard earned money, the bank holding my personal interests are allowing this and leaving me with multiple overdraft fees that they refuse to refund ; even after i called them multiple times to stop all transactions from XXXX Loans. I Had been out of work and in between jobs for 2 months, which is the reason I got the loan. Not only am I being forcefully locked into having a company forcefully extract funds out of my account, my bank allows it and collected over {$300.00} in overdraft fees. The biggest question I have is, are the Banks in on this consumer scam as well? Please help me.
08/11/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89031	Web
On XX/XX/2023 I had issues checking my balance and payment history using Cash 1 phone app and it was after normal business hours, so I called them the next day to discuss my loan. I requested a copy of my contract with loan terms and am puzzled as to why I have consistently been making payments of {$250.00} every two weeks and my balance remains close to {$3000.00}. None of my payments have been going towards the principle for almost a year. Also discovered Cash 1 has been submitting payment requests to my bank account ending XXXX 1-2 days prior of the due date, which is causing issues to my account. This gross mishap has taken place previously but definitely happened on XX/XX/2023 which is prior to my actual payday. I find this very unethical. Also because of the balance never going down, I can no longer afford to continue these high payments. The payments of this loan are higher than the Nevada payday loan limit per my income. Nevada limits payday loans to 25 % of their income and for some reason it is way over that regulatory limit. I request ( 1 ) a Cease and Desist of all collection activities until ( 2 ) a complete audit of my loan has been performed. ( 3 ) New affordable Loan terms are created to match my monthly income or ( 4 ) an agreeable settlement offer to conclude this loan or ( 5 ) if this loan has been found to misrepresent the terms and is deemed " predatory '', then the loan should be rescinded and brought to a XXXX balance, and no longer leaving me liable for the loan.
09/12/2018	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	AZ 85281	Web	Servicemember
I searched online for a loan a month prior to needing the loan I used an account that I do not have my full paycheck deposited into as I was entering the information online. when it came time to get the loan I went in and reapplied in person I was asked if I wanted to add an account to my contract I said no he then told me they have account information from a online application a month prior I again said no as that isn't even the account I would use when my bill became due they text and it was not what was discussed as I only wanted to make 1 payment a month not 2 the lady was real nice and changed my due date is what she told me I9 made a double payment on the due date we had discussed the following month I again got a text stating my bill was due I again called in and advised I can only do 1 payment a month the man was not as nice I told him I will make a double payment on my second check a few days later I got a over draft from my bank as he put a payment through on a account they should not of had on file and I did not give permission to run I talked to the district manager who has since insured me that the account is now removed but says the only way to recover my nsf fees is walk into the location of the people that she also told me she will reprimand this is causing severe XXXX and my account is getting more and more negative but she wont let me email it to her this is not right when they didn't even have permission in the first place and I called and said no and they just ran it
08/04/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85203	Web
I opened a line of credit online with cash 1 in XX/XX/2023. The type of credit I applied for was a personal loan. I was approved for XXXX dollars and a XXXX dollar one time fee was added to that, so my loan amount should have been in total XXXX dollars. I live in Arizona where 10 % is the max apr. The total apr for this amount should be XXXX. I do not have a vehicle, and did not apply for a title loan. Apparently one of the online employees added a vehicle not belonging to me to the paperwork. I did everything online, and never was given any paperwork through the mail, email, or through the telephone app, nor can I find a copy of any of my paperwork. I have already paid XXXX dollars towards interest alone on this loan, three times what it should be for the entire year. I can prove I never owned a XXXX XXXX XXXX which is the vehicle they are claiming I put on my paperwork. They are intentionally and illegally frauding me. They refuse to fix this situation. I really need help. I'm a XXXX XXXX XXXX woman, so these fraudulent charges are coming out of my social security check every month. I have paid in total so far XXXX dollars of a XXXX dollar loan. With the interest added on, I should only owe XXXX, but they are saying I owe XXXX dollars. That's more than I even borrowed. I had no way of knowing they would do this, and the company shows XXXX interest in correcting any of it. Please help me.
10/12/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85029	Web
I wasnt sure which option to click but this is what the issue is. If i remember correctly i made one payment to the company. I knew i was going to be behind because i lost my best paying job, we almost just got evicted and im behind on a car payment. I emailed them to let them know that i was aware i was behind anx i intended to pay them, and that i was hard to reach via phone because i work a night schedule. They sent a text message to my phone on XX/XX/18 that read exactly this : Your XXXX Acct. is in XXXX! You qualify for a LIMITED TIME offer that will WAIVE 40 % OFF YOUR BALANCE! Call XXXX for details. XXXX Debit Collector Then on XX/XX/18 they text messaged my phone this : XXXX, XXXX XXXX Pre Legal @ XXXX. We need to hear from you or we will pursue all remedies against you as stated in our contract. XXXX Debt Collector My mother saw this text because she was using my phone. In no way did they verify who they were speaking to before texting this information. They did not do the standard debt collection disclosure anywhere in the message, and i dont understand how they can threaten legal action 1 day after sending the first message. Im upset at this situation for so many reasons and feel my privacy in regards to this debt has been violated. I borrowed less than {$200.00} and contacted them to explain that i knew i was late but intended to pay.
10/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with the payoff process at the end of the loan	OR 97086	Web
I have called this company and requested them to stop a payment. I was told that I can not stop the payment. They will continue trying to pull from my bank even though I requested them to stop. I then asked for my remaining balance which they could not tell me, I didnt ask for the amount that I have paid towards this loan which the representative told me she could not calculate or see, and then asked why I was not able to log onto my online account to see the balance or the remaining amount, and she said its an issue with IT theyre aware of I let them know its been months since Ive been able to see my online account Ive been locked out they could not reset it for me. I didnt ask for the corporate number. She gave me a different number for the same office when I called back I spoke to the same representative XXXX I didnt ask to speak with the right corporate office and she said her manager would call me tomorrow and that she did not have any of the information for their corporate office or for any of my loan information, and that I could not log on to my online account to see it myself. This was a {$300.00} loan I took out years ago and I wanted to know the amount I had paid towards it.
09/11/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NV XXXXX	Web
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( IXXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX Next Card ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXXXXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
08/10/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NV 89123	Web	Older American
I don't understand how I'm making the same payments every month and different amounts are applied to the Principal. My balance in XXXX was {$1000.00} - after a payment of {$170.00}. {$110.00} went to XXXX & {$62.00} went to the Principal. XXXX a payment of {$190.00} - {$110.00} went to Interest & {$78.00} went to the Principal. XXXX a payment of {$190.00} - {$170.00} went to Interest & {$20.00} went to the Principal. XXXX a payment of {$190.00} - {$190.00} went to Interest & {$.00} went to the Principal. My balance today is {$1000.00} after making XXXX payments of {$190.00}. They are charging way too much Interest. {$190.00} and ONLY XXXX cents is subtracted from the loan amount. This should be against the law. 99 % INTEREST. Cash XXXX KNEW that I get paid from Social Security XXXX on the XXXX of EVERY month because they ask for verification of income. And every XXXX of the month, they have taken out the payments. If they thought I wasn't able to payback the loan on THEIR Terms, they shouldn't have offered the loan. Instead, they add monumental amounts of Interest in an effort to profit - and this should be illegal.
06/01/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	AZ 85742	Web
I have tried to stay in contact with this company since I lost my job at the time in XX/XX/XXXX I was receiving unemployment and in the state of arizona even at the max I was only getting just over $ XXXX. Every time I called to try and work things out with them the same male answered the phone ( i cant remember his name or if he ever gave it ) I explained my situation several times over only to be belittled for having lost my job and unable to pay back the loan. I pleaded and told him that i could barely afford to feed my child let alone pay bills. He then replied with " well my kids are fed so I can sleep just fine at night ''. I have also made several attempts since then to set up payment arrangements with other representatives i even told them about what was said to me by their fellow peer they didnt care. They have since refused my offer to pay off the balance with in means of my budget and refused to work with me to find a manageable amount for me with the other bills that I have. The comment made by the rep what was said to me is a violation of the law and is considered abusive language.
05/17/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89012	Web
Complaint against Cash 1, LLC. On XXXX XXXX, a summons was given to me. Received numerous calls, texts, voicemails, and email telling me to settle this account before going to court. Today, XX/XX/2023, I called to have the debt settled as determined by default account from the court documents to be {$1600.00}. I was threatened that I had to pay another amount totaling {$2000.00}. I asked to speak with the supervisor or a legal department supervisor to escalate the information regarding the correct amount due and she wanted me to disregard the documents. I was denied access to speak with a supervisor. The representative XXXX XXXX in the legal department that I was speaking to denied me access to her supervisor or a manager in the lethal department. When I asked for the complaint officer information, she again denied me access and said XXXX will call you back. She became belligerent and stated you can file a complaint against me. I responded this is not personal. According to her, XXXX is her supervisor and the complainant officer for the legal department.
08/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ XXXXX	Web	Servicemember
5 days after missing the first payment on loan my vehicle was repossessed from me and held by the company whom demanded that the loan amount be paid in full in order to retrieve vehicle. The loan was poorly explained to me, I was under the assumption that there was to be one payment made monthly, not two. It has been a year now since XXXX XXXX had taken my vehicle. I have been since honorably discharged from the XXXXXXXX XXXX XX/XX/2018. I currently find myself unemployed and with little hope in sight. This company has caused great distress and more than financial hurt in my life. I was employed full-time with a position I had enjoyed, after losing my transportation I had lost my job. I would just like it to be known how cynical and deceiving this company is. Something like this should not be legal. What they have done to my life now is extreme to say the least. I would like to warn the public of this company and their tactics in hopes that they can avoid this occurring to them.
10/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AZ 85301	Web
I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.
05/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NV 89119	Web	Older American
I borrowed at the most according to when they tell me that I have {$25.00} or 20 at the most to borrow this account go back to XX/XX/XXXX from what I was told from cash 1 loan somehow I started borrowing using my cell phone making a transaction on my cell phone with cash 1 loan ( no inside building paper transaction ) the problem is that Ive been paying {$180.00} every month towards a loan that Im still paying on still as of today I feel like Ive been paying off on this account forever it seems like Ive been playing on one payment for three months before I could see any changes in the amount owe and the more I pay it goes up but not down why am I at {$600.00} today XX/XX/XXXX from XX/XX/XXXX and still paying {$180.00} a month and still have a way to go I dont understand I even paid more then I should in the month of XXXX something is wrong here am XXXX and need support help with this issues please Thank You XXXX XXXX
01/04/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	VA 22031	Web	Servicemember
XXXX Cash 1 in Arizona has been harassing me and threatening legal action regarding a title car loan. Calling texting voicemails. I owe them approximately {$3000.00}. Today day with penalties and interest its {$9000.00}. These deceptive practices are hateful and awful. I have spoken with them this month and last month to negotiate. Recently I asked if they could waive the {$6000.00} just in interest alone that is owned and allow me to continue with payments on the amount I borrowed of XXXX. I have made payments to them but they stopped because of a hardship. I was trying to even go so far as surrendering the vehicle to them at one of the cash1 locations. In hopes they would sell it and put that against the money owed. Due to it not running the cost would be enormous. I am also a XXXX veteran and trying to resolve this the best I can. XXXX at a loss for words at this point.
08/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85202	Web
I have been a customer with cash 1 for quite some time now. I've had multiple loans and paid them off. Due to unforeseen circumstances associated with my mom 's health I was not able to pay for the last loan I received. I've called the legal department to make payment arrangements because I do not want to be in bad standings. They are not willing to make any payment arrangements and have no sympathy for my situation. Despite my history with them they are unwilling to work with me. Not only do they not want to work with me, but now they want to charge me {$10000.00} for a {$3000.00} that I made multiple payments on. I don't know how a company like this can stay in business. I find this situation very unfair and most of everything very disappointed at their lack of sympathy and only solution offered is to threaten me to take me to court and garnish my wages.
10/30/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89102	Web
Loan with company : CASH1 I am struggling to make payments due to several personal circumstances. When called the Cash 1 Prelegal Department ( XXXX ) to arrange a payment plan, someone by the name of XXXX responded. I told her the reason why I was behind on my payments and that because of a family emergency, I had to travel out of the country. She said, " that I travel too much and that was the reason I could not pay my loan '' she also said " you are not going to tell me how you want to repay this loan '' among other things. I have been a customer of this company for several years. I am not happy with the way this person responded to me, even when I told her I wanted to repay every cent and needed help repaying with a NV Plan like they have done in the past. As of XX/XX/2020 Loan ID : XXXX Balance : XXXX XXXX ID : XXXX Balance : XXXX
11/21/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	AZ 85209	Web
I have been a customer at Cash 1 for many years. I have paid off loans with them, paid numerous payments on time. When I ask why my credit line never gets extended to a higher limit they alway tell me me its computer based and never had a satisfying explanation. This is what has happen my mom has a XXXX XXXX XXXX. She owes XXXX on her car, she pays her payments every month as I do. In fact mind comes directly from my employer. And its always double the minimum payment. My car is worth more than my mom 's but they seem to always increase her line of credit and not mine. To me this makes no sense. In fact I earn about XXXX to a XXXX dollars more than she does as well. Im looking for answers in there lending practices. It clearly unfair practices.
05/11/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 897XX	Web
I received a loan from Cash1, XXXX , NV. Im struggling to pay the amounts. This company asked for a check for " Visual purposes '' for my file. I told them I do not use that bank. The young woman said that they will photo copy my debit card and they only use that for payments. Iv been notified by this company by email that they have taken the amount due from my debit card.They also been depositing the check I left! I now get emails, calls, and text from this company stating that Im past due! Calls from their " legal '' department as well. They have violated my privacy and violated the 3rd party act in the FDCPA. I have had a family member see my text from these people which violates my privacy. Now everyone knows my business
10/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85286	Web	Older American
I am getting numerous and many calls everyday on this loan, which are harrassing and extremely disruptive to my work day. This company is also trying to take funds out of any account they ever used and trying to OVERDRAW my bank account. I have advised them that my finance status has changed. I can not afford to pay this loan at the amount they require me to pay which is accruing MUCH INTEREST everyday. I know I owe the money and am willing to pay this, but not at the original agreement ( other than to file bancrupty ). I want the excessive calls to stop, put the loan on HOLD for interest and fees, and give me a chance to catch up on the principal amount owed. They are unreasonable at this point
11/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89120	Web
I was struggling to make the original payments on an installment loan taken out with XXXX. I called them on XXXX, XXXX XXXX to set up payment arrangements in order to retire my loan on XXXX XXXX, XXXX. They agreed to a payment plan and would allow me to pay {$50.00} once every 2 weeks for XXXX and XXXX of XXXX, and then {$100.00} once every two weeks in XXXX. Today they just charged my debit card 3 times the amount promised and authorized on my card. I did not autorize my debit card to be charged this amount. Now there is no written paper work to show proof of a payment arrangement, the only proof would be a recorded phone call, which is what they do for all of their phone calls.
05/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	AZ 85138	Web
I have been paying back my loan for over very long time. The balance is the same and sometimes more. Whenever I have a few dollars of equity the company hounds me via text and email to take out whatever I have. Essentially, refinancing the loan. At one point due to financial hardship they waived some of their fees, I received a tax doc for the write off amount but then they added those fees again. None of my {$200.00} plus payment per month goes towards the balance. There is no end in sight. Due to my current job loss and spouses medical issues, they just keep adding on the fees. This is predatory lending at its best.
02/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	AZ 859XX	Web	Older American, Servicemember
I have a loan with Cash1 I have been making payments to them got laid off for the virus and sent the a email told them to take out of the XXXX and XXXX so I can still be able to pay the account In XXXX my balance was XXXX now it is XXXX and shows no payment made to them. I have asked for a statement no reply so since the they have received 2 payment of XXXX XXXX time a month and nothing taken off but only added on. Do I not have a right to see a statement of my account I do not really know what I owe and I thought when I made a payment I should be able to see the charges and what the do with the payment
08/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 754XX	Web	Servicemember
I was paying this loan back and had to relocate and fell on a hardship and was trying to work out some arrangements with them and they kept coming back with a monthly amount owed that kept increasing. They demanded that I pay them what they needed which was not affordable to me. Since then, the original balance i borrowed has increased from {$7800.00} to {$18000.00}. They said if i would pay them, they would reduce the actual amount owed back down by over {$10000.00}. This company has completely not be willing to work with me and so I was unable to deal with them any longer and the talks broke down.
09/06/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AZ 85042	Web
On Saturday, XX/XX/2016 Cash1 called me and did not leave a message at XXXX from phone # XXXX. They did not leave a message. They called me again on XX/XX/2016 at XXXX from XXXX and I told them I had left my brother 's funeral and that it was not the right time to talk. They then called me again on XX/XX/2016 at XXXX from XXXX. I am not sure why they keep calling asking for a payment, especially when the cash1 collections dept, took two payments on XX/XX/2016. I have asked them to stop calling all day and they insist on calling me mutiple times a day, from the XXXX phone numbers mentioned aboved.
10/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85013	Web
Company is violating my rights under FDCPA by leaving account specific information on a cell phone voicemail that does not clearly info date who it belongs too or without making direct consumer contact. Threatening to transfer account to legal department via voicemail to coerce payment. Advising I have 5 days to submit a payment or my account will be transferred to legal department via voicemail. Not honoring multiple requests to call within preferred call window as I am employed and can not answer the phone during work hours. Violations of both FDCPA and UDAAP violations.
09/16/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 84062	Web
On XX/XX/XXXX I received an email from Cash1 LLC, claiming that I owed {$540.00}. I have never heard of this company and they are claiming that this debt has been owed since XX/XX/XXXX which was the month that someone was using my identity in order to get personal loans..I don't owe this debt because I never signed up or was aware of this personal loan that was taken out in my name with my social security number, I am aware who this individual was that stole my identity and chose not to press charges due to mental illness issues and lack of accountability
08/14/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	AZ 85382	Web
I am past due of a small amount on a loan through Cash One. I have repeatedly tried to call and explain my dire situation, and i am now being harrased and abused. I have been told i am a low life, money sucker, lying, pathetic person. They will not notate my account and continue multiple times a day to harass and threaten me. I have tried to talk to a supervisor and no one will ever let me do that. This is so upsetting and makes me feel like a completely XXXX person because of how they are treating, threatening, abusing, and harassing me.
05/01/2022	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	AZ 85015	Web
I spoke to a Cash 1 representative on XX/XX/2022 and informed her that I was unable to be able to pay on that day due to unforeseen circumstances. She threatened to send my account to collections if I didnt pay. I informed her I need some additional time at which point she confirmed and she said she would follow up with me on Monday XX/XX/2022. On the same day I spoke with the that representative, XX/XX/2022, my bank account was charged the payment amount of {$570.00} and caused my bank account to go negative.
05/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	AZ 85138	Web
This is a predatory loan with an outrageous interest rate. Almost my entire payment goes to the interest and when you are about to pay off the loan they prey on you to get more cash and refinance the loan. They send you multiple emails and texts telling you you have available funds. They know people who are struggling will take the bait. I would like a copy of every single payment along with the contracts. I intend on starting a class action lawsuit against this company.
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 75134	Web
They sent a wage garnishment to my job without properly informing me that I have court. When I called to set up a payment plan the woman was very rude and said that I should quit my job. Since I have set up a payment plan they have been very rude. They made me go out and purchase a card since they do not accept american express. This was a very difficult task and cost me extra money. They have never tired to contact me via phone nor email before moving forward legally.
11/21/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AZ 85040	Web
On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. I then called the number back to find out that this was the Cash One Legal department
03/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89115	Web
The send me a threatening letter about my loan in default when it is not! They say it's from 4 months ago but i gaff paid it? AlsoI 'm laid off per the governor I'm a XXXX in a XXXX and they say people are still working! Cleaning crews i guess, they want paperwork that doesn't exist to stop making my valve negative. Basically telling me to bad nothing i can do and they'll just keep hitting my negative account costing me a fortune! Help me!
07/19/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NV 89103	Web
I have already paid back over XXXX k on a XXXX loan and they keep harassing me they call my job and now they sent a man to my home at XXXX XXXX at night, I tried to explain this and they won't leave me alone, now they are suing me in small claims court for a loan I paid more than 3 times what I borrowed? Please get them to stop harassing me and cancel this bogus, suit, to stop the harassment and close this account I have already paid off.
04/16/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	AZ 85382	Web
I have repeatedly told cash one to not use the card on file to make a payment and I revoked the automatic payment. But they are still taking money out of my account and will not do anything about this. They are harassing with their calls too. The cash one employees over the phone are beyond rude and disrespectful, and now they are taking out money without permission.
06/22/2020	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85282	Web
I hav advised the company that I am unable to make the payment for the time being. This a small {$400.00} title loan. They have repeatedly sent me specific collection text messages with personal information and left voicemails stating my credit is frozen and that they are going to refer or escalate my account.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89115	Web
Cash 1 Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with XXXX and XXXX results came back stating that Cash 1 reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}
06/06/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	AZ 851XX	Web
On X/XX/2017 Cash 1 in XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On XXXX , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.
12/08/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89122	Web
my loan is in default and the creditor will not work with me on an affordable payplan. They said I have to pay {$410.00} every XXXX XXXX Upon me telling them I can't afford that and what type of arrangement I can do, they said they were moving forward with a judgement.
02/22/2017	Yes	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85281	Web
XXXX from Cash One called and left a message on my phone indicating that my payment had returned and to call them back to avoid late fees on the account. They gave their hours of operation and ended the phone call. She called from phone number XXXX.
09/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37087	Web
Well I took a small loan before covid, then when covid hit I had focus on primary stuff. Now I'm trying pay off debt and I'm seeing cash1 spike the payoff balance for almost XXXX when I only took out XXXX and this debt is two years old
08/16/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ XXXXX	Web	Servicemember
Company, Cash One repossessed my vehicle after 35 days past due and is now not answer their phone when I attempt to contact them. The loss of transportation has now led to loss of employment.
06/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AR 72802	Web
XXXX XXXX bought a old cc debt in XX/XX/2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX XXXX XXXX the thing about is it is out of statu in the state of Arkansas
04/14/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85379	Web
I tried to see if there was any refinance but there is no option and interest continue to go up each time I don't pay
06/21/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AZ 860XX	Web
They are calling me at my place of employment after I told them they can not contact me there.
02/01/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	AZ 85212	Web

10/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	AZ 85335	Web

05/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85210	Web

04/20/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89145	Web	Older American

04/15/2023	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	NV 89104	Web

04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89403	Web

01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 86336	Web

01/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85713	Web

11/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89052	Web

10/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89074	Web	Older American

10/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89102	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89122	Web

07/14/2022	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	AZ 85006	Phone

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI 96822	Phone	Older American, Servicemember

05/20/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AZ 85006	Phone

03/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85296	Web

02/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NV 89030	Web

01/28/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AZ 85015	Web

11/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	UNITED STATES MINOR OUTLYING ISLANDS 89431	Web

07/10/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 86406	Web

03/30/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85210	Web

02/27/2020	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	AZ 85041	Web

11/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89102	Web

08/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85345	Web	Servicemember

11/15/2018	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		Phone	Older American

09/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89011	Web

09/13/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85213	Web

08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89512	Web

02/16/2018	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	AZ 85715	Web

09/15/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89014	Web

03/10/2017	Yes	Consumer Loan Title loan	Can't contact lender	AZ 85282	Web	Servicemember