Big Picture Loans, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20653
Web
I have received the following notice on XX/XX/XXXXXXXX ( did not see email since it was in my spam folder, the email address from the sender is bizarre ), When i called today after receiving a disturbing voicemail saying that I owe money to Castle Payday Loan i was told that I owed money and that they were going to take to court. Castle Payday Loan which is now Big Picture payday loan and they have no record of me having any type of loan with them when i called them XX/XX/XXXX. I asked them to send me a copy of the record they have against me, and they refuse to. They said that I would only receive a receipt once the debt has been paid. I even called castle/big picture payday loan on three-way with the collection agency and still no record. Also, prior to researching I did at one point in our conversation comply with paying and even gave them my payment information but as i said, i realized that it was quite fishy, so i called them back and cancelled that payment arrangement, then they said that they would hold that against me. But like i told them, i need to see a some type of proof that i owe something that i cant just pay something that i have no recollection of. But like said, I did end up canceling the arrangement because like i told the man, I have no record of having a loan with castle nor do they. The number the collection agency are harassing me from is XXXX case # XXXX. They said i took the loan out in XXXX. They have been calling my home, calling my mother, saying they are going to contact my place of employment.. that they will come looking for me. That they will take me to court. It is very concerning. I have no problem in resolving something, but again no one other than the agency that is calling me has a record of this debt. I can not remember the full amount that they said I owe. They told me they would settle for {$680.00} and they would be able to settle it in 5 payments. The first one of {$180.00}, and the last 4 of {$120.00}. When i asked one of the guys as to what the name of the agency they are calling me from and said assurance, but nothing comes up in XXXX search. The last conversation had with the agency calling me with threats is that with out any type of invoice, i can not do any business. They then said they will take me to court and that my automated voice agreeing to the original payment arrangement would be used against me. I told him, with out anytype of formal notice I would not pay them. Again he told me the only notice he would send me is the receipt once its paid. This is very crazy and i need some help. This is the email that was sent to me and was in my spam. XXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX If You Obtained a Big Picture or Castle Payday Loan You Could Get Loan Forgiveness and/or a Cash Payment from a Settlement. A federal court ordered this notice. This is not a solicitation from a lawyer. Read this Notice. It states your rights and provides you with information regarding a proposed nationwide class action settlement ( " Settlement '' ) in lawsuits brought against a number of companies and persons alleged to be involved with the making of online loans in the name of Big Picture Loans and XXXX XXXX XXXX XXXX XXXX Castle Payday Loans. All of these settling parties, listed below, are known here as the Settling Defendants. The lawsuit claimed that the Big Picture and Castle Payday loans violated state usury laws and the XXXX Influenced and Corrupt Organizations Act. There was no finding of liability in this case, and the Settling Defendants vigorously denied all allegations in the lawsuits. As part of the proposed Settlement, individuals who executed Big Picture and/or Castle Payday loan agreements from XX/XX/XXXX to XX/XX/XXXX may be eligible to receive certain benefits, as detailed below, including cash refunds. This Notice is a summary of information about the Settlement and explains your legal rights and options because you may be a member of the class of borrowers who would be affected if the Settlement is finally approved by the Court. The complete terms of the proposed Settlement are available at the Settlement website, XXXX.XXXX.XXXX ( " Settlement Website '' ). You may also obtain further information about the Settlement at the following telephone number : ( XXXX ) XXXX XXXX. YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT DO NOTHING You will remain a member of the Settlement Class. You may receive certain benefits without doing anything, including a reduction in the amount of interest you can be charged on your loan. However, if you do nothing, you will not receive a cash payment. You can still bring any claim you may have against a Defendant, but only on an individual basis. MAKE A CLAIM FOR A CASH PAYMENT You can make a claim for a cash amount by submitting the attached claim form ( " Claim Form '' ) by mail or at XXXX.XXXX.XXXX. You will receive a cash payment if you repaid your loan, and paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan. You can go to XXXX to see whether you would receive a cash payment. The deadline to submit a claim form is XX/XX/XXXX. You must mail or submit your claim online by that date. OBJECT TO THE SETTLEMENT If you want to object to the settlement, you may write to the Courts about why you don't like the settlement or why the Court should not approve it. The deadline to object to the settlement is XX/XX/XXXX. You must file any objection by that date. 1. WHY IS THERE A NOTICE? This Notice relates to a proposed nationwide Settlement that will be considered by a United States District Court in XXXX, Virginia ( the " Court '' ). Before the Settlement becomes effective, it must be finally approved by the Court. The claims of the Settlement Class Members ( as defined below ) are being settled in the Court in the following class action matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the " Lawsuit '' ). The Settlement also resolves other cases in Virginia, California, Oregon, Georgia, and Massachusetts. You have been identified as a Settlement Class Member. The Court authorized this Notice because you have a right to know about a proposed Settlement of the lawsuit and about all your options before the Court decides whether to give " final approval '' to the Settlement. This Notice explains the lawsuit, the Settlement, and your legal rights. 2. WHAT ARE THESE LAWSUITS ABOUT? The claims involved in the Settlement arise out of loans made in the name of two companies that are owned by a XXXX XXXX XXXX XXXX : Big Picture Loans and XXXX XXXX XXXX XXXX XXXX Castle Payday Loans ( " XXXX Companies '' ). There were others that are alleged to have invested or assisted in the operations of these businesses. Several of these companies and individuals are also included in the Settlement ( collectively known as the " Settling Defendants '' ). Each of the Settling Defendants is listed below in Section 7. The plaintiffs in these cases claim that the Settling Defendants violated federal and various state laws by : ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers, and they did not have that license, ( c ) servicing or collection activities, or ( d ) their involvement in and support of other parties ' conduct. The plaintiffs in the lawsuit claim that the Tribal Companies ' loans violated state usury laws that govern the amount of interest lenders can charge and federal laws that prevent the collection of illegal debts. The Settling Defendants do not agree that state law is applicable to the loans made by the Tribal Companies. They have vigorously denied all claims and allegations of wrongdoing. The Tribal Companies have maintained at all times that they are arms of the Tribe and share in the Tribe 's sovereign immunity. Notwithstanding the denials of liability and alleged unlawful conduct, the Settling Defendants have decided it is in their best interest to settle the Lawsuit to avoid the burden, expense, risk, and uncertainty of continuing in litigation. Important case documents, including the Settlement Agreement, may be accessed at the Settlement Website, XXXX. 3. WHY IS THIS A CLASS ACTION? In a class action or proceeding, one or more people, called class representatives, bring an action on behalf of people who have similar claims. All of the people who have claims similar to the class representatives are a class or class members, except for those who exclude themselves from the class. Here, the Plaintiffs have filed a claim on behalf of the Settlement Class. 4. HOW DO I KNOW IF I AM INCLUDED IN THE SETTLEMENT? You are affected by the Settlement ( and thus a " Settlement Class Member '' ) if you obtained a Big Picture or Castle Payday loan ( s ) from XX/XX/XXXX to XX/XX/XXXX ( the " Settlement Class '' ). The Settling Defendants ' business records have identified you as a member of the Settlement Class. 5. WHAT DOES THE SETTLEMENT PROVIDE AND HOW MUCH WILL MY PAYMENT BE? The Settling Defendants have agreed to create a fund in the amount of {$8.00} million ( " Settlement Fund '' ), and they have also agreed to certain other forms of non-monetary relief for the Settlement Class. The Settling Defendants have agreed to provide the following benefits and others more fully described in the Settlement Agreement : a ) Consumer Refund. A Settlement Fund will provide payments to some Settlement Class Members who submit claims to the administrator of the Settlement ( " Settlement Administrator '' ). Only borrowers who repaid the loan and also paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan will receive a refund payment. YOU MUST SUBMIT A VALID CLAIM FORM TO RECEIVE A REFUND PAYMENT. The amount of your check will depend on the amount of interest that you paid on your loan ( s ) and how many total valid claims are made by other Settlement Class Members. The Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move. b ) Reduced Interest on Pending Loans. For those Settlement Class Members whose loan ( s ) have not been fully paid off or are not more than 210 days delinquent or past due, the Settling Defendants agree to collect no more than 2.5 times the original principal amount of the loan in payments over the life of the loan. For example, if the original principal amount of the loan was {$500.00}, then the Settling Defendants have agreed to cap collection at {$1200.00} over the life of the loan, including payments credited to either interest or principal reduction. c ) Loan Forgiveness. For those Settlement Class Members whose loan ( s ) are currently, or become, more than 210 days in default ( " Charged-Off Loans '' ), the Settling Defendants agree to cease any collection activities and cancel all such loans as a contested liability to the extent not already done. The Settling Defendants will not assign, sell, or transfer any interest in Charged-Off Loans and/or future loan proceeds from Charged-Off Loans. 6. WHAT DO I HAVE TO DO TO RECEIVE MY PAYMENT? To receive a refund payment from the Settlement Fund, you must complete the Claim Form linked to this Notice or at XXXX. The Claim Form requires your name, current postal address, date of birth, and the last four digits of the Settlement Class Member 's Social Security number. The Claim Form and the Settlement Website provide complete instructions for completion of this claims process. You may submit only one Claim Form regardless of the number of loans you had. You must mail or submit online your Claim Form no later than XX/XX/XXXX. The Claim Form is also made available for download on the Settlement Website or by request from the Settlement Administrator. If you are entitled to a payment, the Settlement Administrator will mail you a check upon receipt of a Valid Claim approximately 395 days after the Court grants final approval of the Settlement and any appeals are resolved. The Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move. You can contact the Settlement Administrator at the telephone number or address below if your address has changed. TO SEE IF YOU QUALIFY FOR A CASH REFUND PAYMENT, you can go to XXXX XXXX XXXXXXXX or call ( XXXX ) XXXX. 7. WHAT AM I GIVING UP IN THE SETTLEMENT? As a member of the Settlement Class, you are providing a " Release '' of certain claims against the " Released Parties '' in the Settlement, who are the Settling Defendants. If you do nothing or otherwise do not receive a cash refund payment, you do not release any of your rights or claims, but you can only bring those on an individual basis. Under the Settlement, you lose your right to bring these claims in a different class action. If you do submit a claim and do receive a cash refund payment, you will release all your claims against the Settling Parties and Released Parties. You will not be allowed to bring those claims either as an individual case or as a different class action. The Released Parties and Settling Defendants include : the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the " Tribe '' ) and the current and former members of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or any employees of the XXXX or any arms of the XXXX ; Big Picture Loans , LLC ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX and XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and each of their current and former directors, officers, principals, trustees, shareholders, partners, contractors, agents, attorneys ( including, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). Under the Settlement, the Named Plaintiffs and Settlement Class Members who submit Valid Claims will be deemed to have released and waived all past, present, and future claims against the Released Parties relating to and/or arising out of loans made by and/or in the name of Big Picture and/or XXXX XXXX/Castle Payday that are the subject of the Lawsuit. Specifically, Section 12.1 of the Settlement Agreement states : 12.1 Release for Valid Claims. Upon the Effective Date, the Named Plaintiffs, for themselves and as representatives of the Settlement Class, each Settlement Class Member who submits a Valid Claim, and/or their respective spouses, heirs, executors, administrators, representatives, agents, attorneys, partners, successors, predecessors and assigns and all those acting or purporting to act on their behalf acknowledge full satisfaction of, and shall be conclusively deemed to have fully, finally and forever settled, released and discharged the Released Parties of and from the Released Claims. Nothing in this Settlement Agreement, however, shall be deemed a release of the Parties ' respective rights and obligations under this Settlement Agreement. Also, nothing in this Settlement Agreement shall be deemed a release of Plaintiffs ' and Settlement Class Members ' respective Claims against the Non-Settling Defendants. Settlement Class Members who do not submit a Valid Claim will be deemed to have provided a more limited release of only class, collective, and mass actions against the Released Parties. Specifically, Section 12.4 of the Settlement Agreement states : 12.4 Scope of Release for Settlement Class Members Who Do Not Receive a Payment ( " Non-Payment Released Claims '' ). All Settlement Class Members who do not receive a payment from the Settlement Fund will waive their rights to bring a class action, collective action, and/or mass action ( but not an individual action ) against any and all of the Released Parties related to not only claims asserted in the Actions, but also claims that could have been asserted in the Actions. The Plaintiffs have brought claims against other Non-Settling Defendants and their companies who they allege were behind the lending operation. Specifically, claims against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, or any other entities owned, directly or indirectly, by XXXX XXXX, XXXX XXXX, or XXXX XXXX will continue to be litigated by the Plaintiffs. If a class is certified, you may also be part of that class and will receive separate notice of this and any rights or benefits you may have due to those lawsuits. 8. CAN I OPT OUT OF THE SETTLEMENT? No. Settlement Class Members are not permitted to exclude themselves or otherwise " opt out '' of the Settlement because of the nature of the Settlement, which is brought under Fed. R. Civ. P. 23 ( b ) ( 2 ). However, unless you request and receive a cash refund payment, you do not give up your rights ( if any ) to bring an individual claim in your own lawsuit. That individual lawsuit would not be part of this case, and you would need to obtain your own lawyer ( s ) to bring it. 9. HOW DO I TELL THE COURT THAT I OBJECT TO AND DO NOT LIKE THE SETTLEMENT? If you are a Settlement Class Member, then you can object to the Settlement if you think the Settlement is not fair, reasonable, or adequate, and that the Court should not approve the Settlement. You have the right to appear personally and be heard by the judge. The Court will consider your views carefully. Your objection must be filed with the Court by XX/XX/XXXX. To preserve your objection, you must send a letter stating your views to each of the parties listed below : Class Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX J XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Big Picture Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX XXXX XXXX Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Settlement Administrator Big Picture Class Action c/o Settlement Administrator XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Email : XXXX You should include the following case name and docket number on the front of the envelope and letter you file with the Court : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. All objections must include the following information : Your name, address, telephone number, and the last four digits of your Social Security number ; A sentence confirming that you are a Settlement Class Member ; Your factual basis and legal grounds for the objection to the Settlement ; and The name, firm name, phone number, email address, and mailing address of counsel representing you, if any. Any lawyer who intends to appear at the Final Fairness Hearing must also enter a written Notice of Appearance of Counsel with the Clerk of the Court no later than thirty ( 30 ) days before the Final Fairness Hearing and shall include the full style and case number of each previous class action case in which that counsel has represented an objector. 10. WHEN AND WHERE WILL THE COURTS DECIDE WHETHER TO APPROVE THE SETTLEMENT? The Court will hold a hearing to decide whether to approve the Settlement on XX/XX/XXXX at XXXX XXXX. in the courtroom of XXXX XXXX XXXX XXXX of the United States District Court for the XXXX District of XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Federal Courthouse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. At this hearing, the Court will determine whether the Settlement is fair, reasonable, and adequate. If there are objections, the Court will consider them at that time. The hearing may be moved to a different date or time without additional notice. Please check XXXX or call ( XXXX ) XXXX to be kept up-to-date on the date, time, and location of the hearing. 11. DO I HAVE TO COME TO THE HEARING? No. But you are welcome to come at your own expense. As long as you mailed your written objection on time, the Court will consider it. You may also retain a separate lawyer to appear on your behalf at your own expense. 12. DO I HAVE A LAWYER IN THE CASE? Yes. The Court has appointed these law firms in these cases as " Class Counsel '' to represent you and all other members of the Settlement Class : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These lawyers will not separately charge you for their work on the case. If you want to be represented by your own lawyer, you may hire one at your own expense. 13. HOW WILL THE LAWYERS BE PAID? As part of the proposed Settlement, Class Counsel are seeking an award of up to 33 % of the Settlement Fund for their attorneys ' fees and costs. The amount awarded by the Court will reduce the distributions to Settlement Class Members. Class Counsel also will ask the Court to approve a service award of up to {$5000.00} to each of the 43 individual Plaintiffs in this matter, depending upon each Plaintiff 's degree of contribution and service. The Plaintiffs were subject to extensive discovery and made substantial contributions in the prosecution of these lawsuits for the benefit of the Class. The Court will ultimately decide how much Class Counsel and the individual Plaintiffs will be paid. The Settlement contains a number of detailed provisions for the allocation of the Settlement Fund, including the distribution of leftover amounts. The details for Settlement Fund distribution are set forth in the settlement documents available at the Settlement Website, XXXX. 14. HOW DO I GET MORE INFORMATION? This Notice summarizes the proposed Settlement. You can get a copy of the Settlement Agreement and other relevant case-related documents at the Settlement Website, XXXX by calling the Settlement Administrator at ( XXXX ) XXXX, or by contacting Class Counsel at the addresses above or by email to XXXX. PLEASE DO NOT ADDRESS ANY QUESTIONS ABOUT THE SETTLEMENT OR THE LITIGATION TO THE CLERK OF THE COURT, THE JUDGE, THE SETTLING DEFENDANTS OR THE SETTLING DEFENDANTS ' COUNSEL. THEY ARE NOT PERMITTED TO ANSWER YOUR QUESTIONS. DOWNLOAD CLAIM FORM XXXX XXXX XXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX We will only contact you with court-authorized notices or to update you about a claim you have filed. We will never send you any advertising or solicitation from an attorney. To unsubscribe from further email and receive notices only by regular mail, click here. Settlement Administrator XXXX XXXX XXXX XXXX, FL XXXX
07/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34689
Web Servicemember
I received an offer of pre-approval for {$600.00}, so I filled out a very brief application. I received an approval e-mail ; however, I did n't feel right in providing additional information to actually secure the loan. A few moments after the approval, I received a phone call. The CSR from Big Picture Loans assured me that the funds would be available, and that it would be no problem in making monthly payments. I was told the approximate payoff amount would be around {$900.00}. While this seemed high, it was within reason, particularly after the CSR assured me that there would be no issues in repayment and that the amount of payoff was what I would pay. NEVER did they mention that the loan was from an institution outside of the US. They said they were in XXXX, which, last I checked, was a state. They never disclosed the insane rate of interest, the potential added fees, the lack of appeal to state consumer protection boards, or that they constitute all business to happen outside of US owned territories. First, I never left my apartment in XXXX. My business was conducted there, as a US citizen acting in a US state of residence. Second, their acceptance e-mail, their website FAQ, and the Customer Service Rep all withheld information that would have caused me to decline the offer. They made every attempt to obfuscate the actual loan details, and they intentionally used deceptive practices. They also never disclosed that they would attempt ACH transfers from my bank account. ( I have contacted my bank, putting a stop payment on any and all requests for funds from this group. Attached below is my pre-approval e-mail : Big Picture Loans Congratulations! Your loan is on the way! Dear " Redacted '', Your loan application for XXXX has been approved and your funds are on the way. We 're happy to have you as a customer and appreciate your business. Please let us know if we can be of any assistance. Call us at XXXX, or visit our Frequently Asked Questions page. About your Loan : 1. First Payment. Your first payment is due on XXXX XXXX 2017. 2. Pay Early and Save. There are no prepayment penalties. So if your budget allows, we encourage you to pay off your loan as early as possible. Making payments in addition to scheduled payments may reduce the duration of your loan and save you money on finance charges. Additional payments must be a minimum of {$5.00}. If you want to pay off your loan early or make additional payments, you must contact us by phone at XXXX, by email at XXXX or log onto My Account and select the payment option that works best for you. 3. Emails. We will send you a reminder email prior to your due dates. We will also send you an Account Statement email after each installment period. Add us to your contacts to ensure your receipt of important notifications in your inbox. 4. Loan Status. To view your loan status and payment history, log on to My Account. Questions. If you have questions, call us toll-free at XXXX Thank you from the Big Picture Loans , LLC Team Customer Support XXXX XXXX If you 'd like to unsubscribe and stop receiving these emails click here. Prior to the creation of the account, and issuing of funds, nowhere do they disclose any attempt at auto-payment, in fact, in their letter, they even mention reminder e-mails to make payments. Also, the only fee stated in their documentation is that minimum payments must be {$5.00}, and lastly, they do not disclose actual interest. The only amount discussed with me was a payoff amount of just over {$900.00}, which was supposed to be broken into nine payments, at least, that is how the CSR worded the offer. I did not have any account access until well after the funds had been disbursed, which by then was too late to cancel the loan, and too late to understand that I could have received a more fair offer from a loan shark. They made every attempt to lead me to believe that they were an established lending institution operating within the United States and under federal guidelines of fair practices ; however, under state and federal guidelines, they are practicing usury.
06/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98119
Web
I recently took out a payday loan from Big Picture Loans online, and I requested to borrow {$600.00}. I was quickly approved for the money, funds transferred to my checking account on XXXX/XXXX/XXXX and things were set for me to begin repaying two weeks later, on XXXX/XXXX/XXXX. I had understood that there would be a {$210.00} finance charge in addition to the loan amount ( bringing total owed to {$810.00} ) which is quite steep I realized but I was in a desperate pinch, and figured it was the penalty I had to pay for mediocre credit and a quick loan. After receiving an email stating that the entire amount of the loan would be deducted from my account the next day, I called Big Picture Loans in a panic, as I did not have the whole {$600.00} and did not expect that it was due in one sum, immediately. After the woman on the phone explained my option of pay everything immediately or pay the finance charge only ( {$210.00} ) and be charged another fee for breaking up the payments, I most reluctantly agreed to suffering another one time fee of {$210.00}. Now bringing my total due to {$1000.00}! At this point I was frustrated, confused, and very upset as I felt like the company had me over a barrel and had not explained to me or provided any written terms for all of their hidden fees and now I was stuck taking on more debt. Since my first payment on XXXX XXXX XXXX, I have paid on time thru automatic deductions from my checking account at {$210.00} intervals every two weeks ( total so far {$840.00} ) As of next week, I am scheduled to have the last {$210.00} withdrawn from my account with my total paid out to Big Picture Loans of {$1000.00}! Upon looking at my account information this evening in anticipation of my loan being paid off I was horrified and bewildered to see that Big Picture Loans has me slated for 20 additional payments after what I thought was the pay off amount on XXXX XXXX. My APR is 967.555 %! My pay off calculator indicates I will be done paying for the {$600.00} I borrowed at the end of XXXX XXXX and my total paid to them will be {$3600.00}! I am utterly flumoxed by what these fees and payments they have scheduled are for. I have never been made aware of this exorbitantly outrageous APR, was never communicated with as far as any debt owed to this business beyond the original loan amount, the finance charge, and the additional {$210.00} charge which even still was for vague reasoning that I did not at the time think to pursue. Never did anyone on the phone indicate or even mention that I would be in a situation where I would be paying {$3600.00} over the course of a year for {$600.00} borrowed. Not once was a number of payments mentioned, and not once was it discussed how their finance charges can be accrued. In all of my emails and even my account summaries ( which I am happy to attach or forward somehow ) the wording for finance charge is loose and vague. Things like " pay off your loan quicker and avoid finance charges '' but upon looking at my account 's scheduled payments for the next year, there is absolutely nothing delineating what is considered a fee and what is considered the principal loan amount. I genuinely have no idea how to " pay off my loan quicker '' ... .I thought I just did. **please see attached digital files, first is a screen shot of my current log into my account, note it says in plain text : To Pay In Full Loan Amount {$600.00}, Finance Charge XXXX XXXX Pay off Balance $ XXXX I am not proud of it, but I have used pay day loans in the past and have never had an experience like this. I am frightened at the prospect of paying these people for the next year and jeopardizing my credit and personal finances.
09/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98387
Web
I applied for a loan with Big picture loans for only a small amount of {$600.00}. I was approved and had the information sent to me via email. The interest rate was 694.669 % APR. I knew I only had a small amount of time to cancel and so I tried calling there XXXX number and was either on hold for an hour and had to hang up, or was disconnected multiple times. After the deadline had passed I realized that my only other option was to just pay it off as soon as I possibly could. The loan started the day I received the funds XXXX/XXXX/XXXX. The loan states that I will pay {$160.00} on the XXXX and the last day of the month in accordance to my paydays for a year. I knew I would n't have the full amount by the first payment on XXXX/XXXX/XXXX plus the interest so I submitted a payment online for {$250.00} on XXXX/XXXX/XXXX. My daily interest rate is 1.91507 % as stated in the loan documents. So on XXXX/XXXX/XXXX my {$250.00} payment should have left me with a principal balance of : {$430.00} and then when my normal installment of {$160.00} came out on XXXX/XXXX/XXXX I should have had a balance of : {$300.00}. However when I checked on my account online on XXXX/XXXX/XXXX to see what my priniciple balance was so I could put in for another {$250.00} payment it was above {$530.00}. The website still showed a " pending '' payment of {$250.00} on XXXX/XXXX/XXXX. I took a screen shot of this and called them. When I spoke with someone she repeatedly put me on hold, gave me ridiculous reasons for the online payment not being submitted ( like you placed your payment online before XXXX pm and that why it is still " pending '' ), and finally after being on hold over and over again for XXXX minutes - XXXX minutes they said they could submit the payment now but it would not be able to go through until Monday or Tuesday the next week because they need to processes this. Which made no sense because it was Thursday at XXXX pm. It should be processed immediately. However they lady I spoke with said that I would still be charged for XXXX more days of interest while it was " processing ''. After a long phone call with someone who I struggled communicating with and needing to get back to work I said fine just process the payment. They did process the next {$160.00} payment for XXXX/XXXX/XXXX but nothing for the {$250.00} and on the website it states I have a " pending '' payment of {$500.00} on XXXX/XXXX/XXXX, so to stop them from collecting anymore money XXXX or more money then they should be XXXX I closed that bank account and sent a certified, signature required piece of mail to them with a check for {$250.00}. Which once they received that I got an email stating that I had a returned payment of {$250.00}. I cancelled the check I sent to them 5 days after receiving that email, not seeing it clear my bank account/ or post to my big picture loans account, and after not receiving my check in the mail for fear someone else might use that check. ( I have had numerous credit cards be stolen from my mail box along with other mail, and did n't want to take the chance of the check being stolen as well. ) I strongly feel that they have been bullying me into paying more money in interest then I should by not processing my extra payments. I have printed screen shots of my account with them and I have emails they sent to me. I have paid them a total of {$320.00} and my account is currently at {$560.00}. If they had processed all the payments I have tried to send them it would be paid off by now.
06/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 21215
Web
I had a loan from this company for a total of XXXXat the time in taking it i was unaware of the ridiculous fees they charged to pay this back they then gave me a payment schedule below : XX/XX/XXXX {$300.00} {$0.00} {$300.00} {$0.00} {$1400.00} 2 XX/XX/XXXX {$300.00} {$0.00} {$300.00} {$0.00} {$1400.00} 3 XX/XX/XXXX {$300.00} {$0.00} {$260.00} {$39.00} {$1300.00} 4 XX/XX/XXXX {$300.00} {$0.00} {$230.00} {$61.00} {$1300.00} 5 XX/XX/XXXX {$300.00} {$0.00} {$220.00} {$71.00} {$1200.00} 6 XX/XX/XXXX {$300.00} {$0.00} {$210.00} {$83.00} {$1100.00} XXXX XX/XX/XXXX {$300.00} {$0.00} {$200.00} {$98.00} {$1000.00} 8 XX/XX/XXXX {$300.00} {$0.00} {$180.00} {$110.00} {$950.00} 9 XX/XX/XXXX {$300.00} {$0.00} {$160.00} {$130.00} {$810.00} 10 XX/XX/XXXX {$300.00} {$0.00} {$140.00} {$150.00} {$660.00} 11 XX/XX/XXXX {$300.00} {$0.00} {$110.00} {$180.00} {$470.00} 12 XX/XX/XXXX {$300.00} {$0.00} {$81.00} {$210.00} {$250.00} XXXX XX/XX/XXXX {$300.00} {$0.00} {$44.00} {$250.00} {$0.00} A total of XXXX for a loan of XXXX after there taking some payments i noticed the balance never changed as per the schedule and i reached out to them on XX/XX/XXXX and sent the below email : XX/XX/XXXX, XXXX XXXX to support I need someone to tell me where all the money i have paid you went too XXXX at a time i skipped one payment due to my funds being short because of Covid yet the balance i see is XXXX this is ridiculous and unreal makes no sense at all a complete rip off and money gauging practices and im not happy with it at all i am surly reporting this mess through all of this crap going on your completely stealing money from people basically and its not right at all one XXXX payment thats it that i skipped because of all this going on and still paid all the other payments even though i didnt really have it putting myself in a bind to pay my rent and provide food for myself and daughter and this is what yall do not cool at all and i am definitely speaking to someone about this without a question i borrowed the money to pay rent and went by the plan except like i said one payment and for it to reflect what it does from one is unreal I had to call my bank to stop payments at one point because they kept just taking and eventually i had to agree to a settlement because i did not want any unpaid bills under my name now this settlement had me paying XXXX a month as below : Settlement Payment Schedule : Date Total Payment XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$240.00} this was an addition XXXX on top on the XXXX i had already paid and according to the original schedule the loan would have been paid in full XX/XX/XXXX yet as i stated the balance never charged at a point and they kept taking money now even after their taking the last XXXX settlement payment i should not have had to pay in the first place my account shows a balance due and its status shows past due yet the settlement stated that XX/XX/XXXX was the final payment for that but yet as my original issue with them they are still looking for more money and trying to take so not only have they been basically stealing more money than i owed they have now breeched their agreement as per the settlement and i would like compensation back from the unfair charging and breeching of the agreement, i have documented the current status and the last receipt of payment i have photos of both to show this status
08/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 22003
Web
On X/X/2017 I called BPL to make payment arranges on a missed payment. We settled to make two payments ; both in the amounts of {$270.00}. When I called on XX/XX/XXXX they advised since it was the day before a holiday that the payment would process the next day. X/X/2017, XX/XX/XXXX payment which was the normal payment processed through my bank account but the first payment never processed. I contacted BPL on X/XX/17 to inquire on the missing payment. They did not understand why the payment was missing but assured me that it did process. They promised to call me back on Wed to ensure it processed. On X/XX/2017 the payment finally cleared my bank account. I never heard from the supervisor that promised to call me back on Wed. I filed a complaint with the BBB as I was frustrated with their systems that took payments. I received a very bogus response about me signing the contract, etc. Again, that was not my complaint. I agreed to the T & C of the loan. What I had concern with is I made good faith efforts to give them money and they struggled to process my requests. I contacted BPL on X/XX/17 to settle my debts with two payments : XXXX on X/XX/17 and XXXX on X/XX/17. I received an email from BPL stating somehow their rep did not process my payment correctly and they automatically fixed this so the dates were X/XX/17 and X/XX/17. This was not acceptable. I called on X/XX/17 to explain that I was not satisfied with this response and I wanted the XXXX processed immediately and the XXXX processed on XX/XX/XXXX. They agreed. I called on X/XX/217 as the payment still had not completed through my account. While It was a Sat, it should not take 4 days for a check to process. They have taken my money previously with no issues. When I spoke to the supervisor on X/XX/17 I advised them since they somehow can not process my payments successfully that I would provide them with all of the payments via money order. I asked them to send me an email with the address and confirmation of the amount. I got an email on Monday with their PO. Box. on X/XX/17, I sent them an email with a copy of the money order, letter and certified tracking number. I also called to provide the company with a status update so they could be aware that the payment was incoming. I 've checked the status of the letter, USPS XXXX, and it was delivered to their POBox on X/X/2017. Online, my account still shows collections, which it should not be because I have made multiple efforts to resolve this account. I called today to speak with someone regarding the status and they stated that there is no update and it can take 7-10 days to even process the money, not even mentioning the fact they have n't picked the letter up from the post office. I emailed them this evening with the screen shotfrom the USPS website. This email was my last communication to BPL. If the letter is not picked up by XX/XX/XXXX, according to USPS.com, then the letter will be returned to me. I will consider this matter resolved and the remaining balance on the account at {$0.00}. I have made many efforts to work with BPL to resolve my account. They have no issue processing a preauthorized debit from my checking account, but when I want to pay off the account early to avoid extra interest and fees, I was given the runaround. Additionally, every time I called in to use the same checking account on file that they have previously debited with no issues, I had to give another voice recording over and over again.
01/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30045
Web
Complaint : Predatory Lending Practices and Unexpected Hidden Interest Rates I originated a loan with XXXX Big Picture Loans in XX/XX/XXXXin the amount of {$650.00}. After recently calling to get a pay off balance, in complete shock, I find out as of todayXX/XX/XXXX, I now owe {$1300.00}. I have paid over and above the principle amount owed on this loan and although I have made bi-weekley payments every payday since the loan was originated in XX/XX/XXXX, I still owe over {$1000.00}. I realized that I had not been informed in the initiation of the loan by the rep of the 600+ % interest rate on the loan. I was originally informed that there is a 25 % finance charge to equal {$160.00} not {$3900.00} in total payments. I also realized that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds were delivered to my account. This is not only PREDATORY lending but unethical business practices. I reside in the state of Georgia where the law prohibites these practices and although this is a company that hides behind Tribal lending guidelines there are still some legal ramifications regarding there practices. Please refer to the following : In the state of Georgia payday lending is prohibited. In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ). Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code. Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap. ________________________________________ Any payday lender can be punished for an unlawful transaction by the Attorney General of Georgia or any district attorney. It is written in the Section 16-17-4 ( a ) and the penalty can be three times the amount of any interest charged in this transaction. A civilly liable payday lender will have to give half of the sum to the attorney and half of it to the state. Besides, any payday loans issued illegally will be charged a 50 % rate plus the penalties. Moreover, according to the Section 16-17-7 of the Georgia Code, interstate financial corporation caught at payday lending operation in Georgia will be immediately punished for it and its license suspended. Moreover, Section 16-17-2 of the Georgia Code presupposes that any district attorney or the Attorney General has got a right to hold any person who issues a payday loan in the state criminally liable. Not only a person is charged with aggravated misdemeanor but also he is likely to be jailed for a period of about a year. Plus, a fine of up to {$5000.00} per violation is charged. One payday operation equals one offence according to the state law of Georgia. A five-year imprisonment and a fine of {$10000.00} are awaiting a person who has previously been prosecuted for payday lending operations thrice. More information about Payday Loans in Georgia : https : //www.oci.ga.gov/XXXX
09/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MI
  • 49428
Web
In a lapse in judgement I applied for a loan for {$600.00} for " Big Picture Loans '' on XXXX XXXX XXXX. They sent me an email that same day, saying that I had been approved and funds were on the way. After waiting for 9 days I still have not received the funds in my account. I received an email on Wednesday XXXX XXXX, XXXX saying that my payment was coming up on Friday XXXX XXXX, XXXX, yet I still have not received the funds. I called them Wednesday XXXX XXXX, XXXX to ask about the funds and the gentleman I talked to said the funds had been sent as of XXXX XXXX XXXX ( after being on hold for 20 minutes ). He then told me that we would have to have a " three way call '' with my bank to verify the funds were not there. I was not able to do this at the time as I was on my half hour lunch at work. After work I went to my credit union and sat with a personal banker and called them while sitting in his office. While on speaker phone with them, my personal banker verified that the funds were never present in my account and he verified my account number. The lady we were talking to said they had to send it to their " support '' department and place a " trace '' as to were the funds actually were. She said I would receive a call back. Later I received a call from the company by the same lady and she said we had to three way call my bank again to verify I did not have the funds. While my bank representive was on the phone I asked them to just cancel the account as I had never received the funds and I did not need them anymore especially after this hassle. I was told they could not cancel it as it had already been " escalated '' and the funds where already sent ( to whose account I do n't know ) so we would have to have ANOTHER three way call to find out where the funds were ( though they are still not there ) While I was holding, I got disconnected, so I called them back again, went through the whole verification BS again with a different representative. When I said again that I just wanted the loan cancelled, she said the same thing as the first rep and when they were able to " verify '' with my the account number and the funds not in my account, they would contact me with further information. I tried to explain to her that my bank is not going to just give out an account number so they can figure out where the money went. ( Still not in my account ) we got disconnected again. About 20 minutes later a rep called again wanting to " three way call '' with my bank. I verified again and got put on hold again and this time after 20 minutes she came back on the line stating my bank would not divulge any of my information. She again said the issue had been " escalated '' and when the trace was complete they would contact me with more information. At no time in any of these calls were they able to tell me what account number they had was after I had repeatedly asked, yet they wanted my bank to just give out that information. I told them I had the account number in front of me and i could have verified it right then. I told them i did not understand why we had to verify the funds not being there more than once. As of right now Wednesday XXXX XXXX, XXXX, this is how it has been left.
06/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 023XX
Web
On XX/XX/2016 I applied for a loan on ( bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX in the amount of {$800.00} from a company named Big Picture Loans .On XX/XX/2016 I received an email saying that I was approved for the loan and that and my funds are on the way to be deposited to my checking account.On XX/XX/2016 a deposit was made into my account for {$800.00} from Big Picture Loans.Now the loan was for {$800.00} and they said that the finance charge is only going to be for {$200.00} so I said when they called me that it was only going to come out to a total of {$1000.00} for everything so I was being charged {$200.00} for borrowing {$800.00}. So on XX/XX/2016 they took out {$200.00} from my checking account, which I was okay with. On XX/XX/2016 I get a text stating that a payment was processed on your account recently.If you have any questions please call us at XXXX. So I go on-line to my account at bigpictureloans.com and logged in and then I called them to ask why I received the text when my next scheduled payment is n't until XX/XX/2016.So I asked for more information about my loan and he told me that I have to pay {$200.00} for five payments before I start paying off my {$800.00} loan.I said what so I am paying more than the {$200.00} for the loan he says yes you are.. I said no I will pay it off completely today he said that I ca n't I have to give 3 days notice before my next scheduled payment is due. I said that today is XX/XX/XXXX and its before my next scheduled date of XX/XX/XXXX so I am informing you now that I am going to pay it off today for the amount of {$800.00} since they have already taken the agreeable {$200.00} finance charge. I contacted my bank and stopped all request from Big Picture Loans. I had to pay {$30.00} fee for this to stop all activity. I informed them that I am filing a complaint with your company and that I stopped all payments from my bank and then I called him to inform him that I will be mailing out a bank check for the amount of {$800.00}. for the loan. So they received enough notice on all legal activity that I had done. Then I go on*line to find out that this is a scamming company and they have so many complaints against them.This is there information take action against them to stop these illegal practices, These " Tribal Operations '' Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I am going to pay them {$800.00} plus they already took the {$200.00} for the loan. I had no intention of not paying them back.Just so glad that I stopped it before they continued to take from my checking account. The illegal interest rate that they are charging me of 780.03 % - 788.62 % on {$800.00} is so crazy. Not all of the details of the loan were made visible to you at the time of the loan submission.These " Tribal Operations '' have already been fined Millions by the feds. Here is the company full name and mailing address Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX.Please help me stop these scam companies from hurting families in need of a loan. thank You XXXX XXXX
03/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21220
Web
Attn : Consumer Financial Protection Bureau Re : Big Picture Loans I am an XXXX XXXX at our local XXXX XXXX. I am writing to complain about Big Picture Loans a payday loan company. My mistake was that I took a loan of {$1500.00} from the company ( in XX/XX/XXXX ), which I planned to pay off within a month. Unfortunately, I was hit by a severe financial set back - some of the XXXX I was scheduled to XXXX this semester were cancelled and my income slumped significantly. My intention was to pay back the loan within one month using half of the income I would make from XXXX these XXXX. But because these XXXX were cancelled, I could no longer afford the minimum payment that Big Picture Loans charges me every two weeks. I immediately contacted Big Picture Loans customer service via both email and phone and explained my situation to them. I then requested for a payment plan of {$50.00} a month till my loan with them is paid off. I also implored them to discontinue charging further interest to my loan since I could hardly afford to pay the interest I can afford to pay {$50.00} per month but if they continue to charge interest on it, my monthly {$50.00} payment will not make a dent on the loan, which means that it can balloon to a high level that I will never be able to pay off. The person I spoke to when I called Big Picture Loan emailed me a hardship form to complete. I completed the form, explaining my financial situation to the company. They responded but told me that my request is denied. Heres a copy of their response to me : Bigpictureloans Support XX/XX/XXXX at XXXX XXXX Dear XXX Thank you for your communication. At this time, we are unable to provide a payment plan. However, you can make your next scheduled payment for a lower amount. There are few things you should keep in mind before we proceed with your request. The finance charges of your loan are accrued daily. When you pay less than the scheduled payment, you will pay additional finance charges because the unpaid principal amount remains the same for a longer period than the one in the Payment Schedule of your loan agreement and you may also incur late fees. Paying a lower amount will not alter your original scheduled payment amounts or dates as set forth in your loan agreement. Your final payment will include the additional finance charges accrued since those are applied to the end of your loan agreement. Your following payments will first be applied to any past due balance, then to any fees and finally to the current due amount. To bring your account current, you will have to make additional payments which can be done at any time. *Your next payment is due on XX/XX/XXXX for {$260.00}. The address to send your payments is as follows : Big Picture Loans XXXX. XXXX XXXX XXXX, MI XXXX Thank you, Customer Support Big Picture Loans XXXX At the moment I can hardly afford to pay my rent and other bills. Please, I need your help in this matter. Is there a way you can convince Big Picture Loans to approve my request? I am eagerly awaiting your response. Sincerely,
11/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 77479
Web
On XXXX XXXX, XXXX, I applied for a loan online with Big Picture Loans for {$1900.00}. I was approved for the loan and the funds were deposited into my bank account. On XXXX XXXX, XXXX, paid off the loan in full with interest in the amount of {$2000.00} using my debit card for the same bank account. On XXXX XXXX, XXXX at XXXX XXXX, I received two emails from Big Picture Loans. The first email stated that my application for a loan in the amount of {$1500.00} had been approved. The second email stated that the funds were on their way to my bank account and the first payment was due on XXXX XXXX, XXXX. I did not apply for another loan with this company. So, I called them immediately to advice them to delete this information and not send me any funds because I did not apply for this loan. I checked online a few hours later and observed that the loan was cancelled. On XXXX XXXX, XXXX at XXXX PM, I received another email from Big Picture Loans stating that I was approved for a loan for {$1500.00}. I received a fourth email from this company stating that the funds were on the way and the first payment was due on XXXX XXXX, XXXX. I phoned Big Picture Loans back a second time and informed them that I did not apply for a loan with them since paying off my initial loan. I stated that I was extremely concerned because an application continues to process which I did not make. I requested that the representative delete any account associated with my initial loan and remove all of my personal information to prevent them from continue to apply for another loan on my behalf and send me funds. The representative stated that he could not delete my information. He stated that he would cancel the loan application. I phoned my bank to try to place a block on my bank account preventing Big Picture Loans from sending any funds to may account. My bank advised me that this is not possible. I would have to cancel the bank account which would be difficult for me since I have this account set up to pay my monthly bills. It would be a great inconvenience to close my bank account ; however, I will close the account if Big Picture Loans continues to try to send funds for a loan that I did not apply for or want. The interest rates with Big Picture Loans are extremely high. It appears that they are attempting to send me another loan in order to earn the high interest which accumulates very quickly. I believe that Big Picture Loan has acted fraudulently by continuing to open loan accounts in my name multiple times for which I did not apply. I believe they have intentionally continued to open loans in my name under the false premise that I applied for these loans in order to profit from the high interest rate which will be applied if I receive the funds. I would like this complaint published to prevent others from being subjected to this scam. I would also like Big Picture Loans and its affiliates to delete my account and all of my personal and financial information to prevent them from continuing to open another loan application in my name.
06/02/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MN
  • 55110
Web
I went online last summer around XXXX to look into a short term loan. I submitted a former that I guess connects you with multiple lenders. In the end I ended up with a payday loan from a company called XXXX. I guess now it 's called Big Picture Loans. Well from the moment they deposited XXXX into my account I started getting multiple calls from other companies trying to deposit money and XXXX calling you collect way more than the MN law states is legal. Than I find out this company based XXXX per online but they list MI HOWEVER not legal in WA per Department Of Financial Institutions. This is XXXX XXXX XXXX and they are not licensed XXXX. I read how they continue to debit your account towards fees only nothing to principle and the rates are beyond belief. As soon as I started getting scam calls after the deposit from people with accents saying I 'm going to jail for bank fraud check fraud etc I got scared I called my bank immediately and canceled this unknown tribal company from access. I have called XXXX who is now Big Picture Loans to obtain a way to mail what i borrow plus the fee that I found through research that in MN online loans can charge a maximum of 33 % I found so with what I loaned XXXX I felt I owed XXXX each time I call it am asked for every piece of my personal info dob, ssn. Address drivers license #, etc I am pursuing on hold and issue is never resolved. I am now being harassed by another company a debt collection company who state they are hired by XXXX XXXX in XXXX demanding I pay {$3800.00} or I 'll be charged with check fraud amount many other charges. This company is called XXXX XXXX out of XXXX XXXX. I asked for a validation of debt as I want to pay the legal amount I owe. But they refused continue to threaten with legal charges unless I give my card #. I asked for some proof this is legit they would only give me a generic email setting up XXXX payments of like {$290.00} and no address of the debtor just a generic " castlepay '' memo. I asked if I were to call Big Picture Loan would they know you 're the collection company handling this and they said no they would n't. So after I was scared about these so called legal charges I gave my XXXX XXXX card # but before signing some email they sent I ended the call. Called my bank to cancel my debt card realizing it 's a scam but they scared me enough to almost agree to there insane demand. I once again called big picture loan they were not associated with trademark as I suspected but again I was back to square XXXX. No one was willing to help and they wanted all my personal info again. I have also gotten emails from random places about fraud charges arrest warrants. I 'm loosing sleep, I 'm nervous, I Feel my information was given out I get calls.and emails weekly thanking for applying for payday loans I did n't apply for. I truly just want this to end I want to pay what I loaned to the right company and the legal amount of fees by XXXX laws. l
03/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 24017
Web
On XX/XX/XXXX I went online to this loan company and took out a {$500.00} loan. I started making my payments on time until I had to close the account I was using to make the payments. I contacted Bigpictureloans to let them know that I was no longer using the account and wanted to use another checking account with a different bank. I was informed that they would have to do a 3rd party call with the bank to verify that the account was open and how long it has been opened. We made the call to my bank several times but the bank refused to take to Bigpictureloans while being on the phone with me. so they told me to use my debit card or credit card to make my payment, in which I did but my bank denied it because they were using a third party transaction company out of the XXXX and my bank told me they blocked it because of potential scam being that its in the XXXX. I notified Bigpictureloans about this and they instructed me to start mailing in my payments by money orders. I had 3 payments remaining until my account was paid in full, the payments that I made by money order was posted on the website as current up to XX/XX/XXXX. On XX/XX/XXXX I mailed in a money order for XXXX on the XXXX which they should have received it on the Friday the XX/XX/XXXX like the other mailed in payment, so now my account in past due and they are saying they have not received the payment and it would take up to 7 to 10 business days to post ( the other mailed in payments didn't ) and I called them on XX/XX/XXXX to see why and then that's when they told me about the 7 to 10 days. In the meantime, I checked on the website and it said I had to pay XXXX to bring my account current, in which I mailed it on XX/XX/XXXX. Now they are saying they haven't received that money as well. I have been calling to speak to someone about this and they keep telling me not to call but wait for their support team to call me back or I will get an e-mail. I called on Saturday, XX/XX/XXXX. I haven't heard anything from them, each time I called they would put me on long holds, and they would ask me questions to make me say YES, if I didn't say yes they would just sit on the line saying they are viewing my account. I would hold for 10 minutes or so. I called today XX/XX/XXXX and they are still doing the same thing. I have one last payment on XX/XX/XXXX for XXXX but when I talked with them they told me to pay XXXX or XXXX to pay off the loan. I told them, if I pay anything I will pay my last payment agreement of XXXX not the amount I was told. I need to know should I make the last payment or not. I was doing some online investigating and I have discovered that there was a lawsuit with this company here in the state of VA and Bigpictureloans lost because its illegal to charge high interest rates. According to the website, I have paid a total of {$2000.00} in interest and principle amount of {$350.00}
08/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 27405
Web
Trying to settle with this company they told me has to be delinquent to be offered settlement. I've already paid XXXX but only borrowed {$1000.00} They told me to pay the payday off they want XXXX by wed to pay in full. I'm going broke trying pay them every two weeks. Below is is screen shot of my loan. Original Loan Amount : {$1000.00} Principal Balance : {$870.00} Loan Docs : Want to Make a Payment? Want to Change Password? Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 347.5562 % Interest Balance : {$92.00} Original Scheduled Installments : 26 Current Installment Cycle : 13 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$1500.00} Principal Paid To Date : {$120.00} Last Payment Amount : {$140.00} Payment Date : XX/XX/XXXX Original Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 02 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 03 XX/XX/XXXX {$1000.00} {$2.00} {$140.00} {$130.00} {$990.00} Regular Current 04 XX/XX/XXXX {$990.00} {$7.00} {$140.00} {$130.00} {$980.00} Regular Current 05 XX/XX/XXXX {$980.00} {$8.00} {$140.00} {$130.00} {$980.00} Regular Current 06 XX/XX/XXXX {$980.00} {$9.00} {$140.00} {$130.00} {$970.00} Regular Current 07 XX/XX/XXXX {$970.00} {$11.00} {$140.00} {$130.00} {$950.00} Regular Current 08 XX/XX/XXXX {$950.00} {$12.00} {$140.00} {$120.00} {$940.00} Regular Current 09 XX/XX/XXXX {$940.00} {$23.00} {$140.00} {$110.00} {$920.00} Regular Current 10 XX/XX/XXXX {$920.00} {$8.00} {$140.00} {$130.00} {$910.00} Regular Current 11 XX/XX/XXXX {$910.00} {$18.00} {$140.00} {$120.00} {$890.00} Regular Current 12 XX/XX/XXXX {$890.00} {$21.00} {$140.00} {$120.00} {$870.00} Regular Current 13 XX/XX/XXXX {$870.00} {$24.00} {$140.00} {$110.00} {$840.00} None 14 XX/XX/XXXX {$840.00} {$27.00} {$140.00} {$110.00} {$820.00} None 15 XX/XX/XXXX {$820.00} {$31.00} {$140.00} {$110.00} {$790.00} None 16 XX/XX/XXXX {$790.00} {$35.00} {$140.00} {$100.00} {$750.00} None 17 XX/XX/XXXX {$750.00} {$40.00} {$140.00} {$100.00} {$710.00} None 18 XX/XX/XXXX {$710.00} {$45.00} {$140.00} {$96.00} {$670.00} None 19 XX/XX/XXXX {$670.00} {$51.00} {$140.00} {$89.00} {$610.00} None 20 XX/XX/XXXX {$610.00} {$58.00} {$140.00} {$83.00} {$550.00} None 21 XX/XX/XXXX {$550.00} {$66.00} {$140.00} {$75.00} {$490.00} None 22 XX/XX/XXXX {$490.00} {$75.00} {$140.00} {$66.00} {$410.00} None 23 XX/XX/XXXX {$410.00} {$85.00} {$140.00} {$56.00} {$330.00} None 24 XX/XX/XXXX {$330.00} {$96.00} {$140.00} {$44.00} {$230.00} None 25 XX/XX/XXXX {$230.00} {$100.00} {$140.00} {$31.00} {$120.00} None 26 XX/XX/XXXX {$120.00} {$120.00} {$140.00} {$16.00} {$0.00} None
03/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IA
  • 50315
Web Servicemember
I obtained a loan through Castlepayday XXXX/XXXX/2015 to assist with Holiday expenses. I paid {$300.00} on both the XXXX and XXXX of the month from that time until XXXX XXXX, paying no interest on the loan. On XXXX XXXX the debited my account {$320.00} and on XXXX XXXX they debited my account {$320.00}. Online there is no explanation, in fact there is not information on my account at all. I emailed Castlepayday numerous times with no response and have emailed the company now that it is XXXX once ; still no response. The email I sent is below. I do n't know what to do and want to be responsible by paying my bills, but the interest amount is unreal and I can not get any answers on when my loan will be paid off. At the rate I am going it will be years. As I said in my email below, I am XXXX military and I do n't believe that I should have been given this loan. I was honest on my application about my employment and provided proof of income which indicated I was XXXX military. Please advise on steps ( if any ) that can be taken to reduce this debt as I am having a hard time with paying {$600.00} per month. Thank you. XXXX XXXX Email sent to both Castlepayday and XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response : Although I am trying to pay my balance, I am running into financial difficulties. I did some research and I believe that I should not have been able to obtain this type of loan. I am XXXX military. I found the following in my research. Please advise. Through its enforcement and supervisory work, the CFPB will be scrutinizing lenders to make sure that they are following the XXXX requirements when they make short-term, small-dollar loans to servicemembers and their dependents. Specifically, payday lenders must follow the requirements of the law for all closed-end loans of {$2000.00} or less and with terms of 91 days or less. These requirements include : Annual percentage rate capped at 36 percent : Because most payday loans are for several hundred dollars and have finance charges of {$15.00} or {$20.00} for each {$100.00} borrowed, a typical two-week term can equate to an annual percentage rate ( APR ) ranging from XXXX percent to XXXX percent. Payday lenders must cap the APR - which incorporates all fees and costs associated with the loan - at 36 percent when lending to servicemembers. No rolling over of loans : When consumers can not pay back the loan at the time it is due, borrowers can often pay only the finance charges and renew the loan. This fee does not reduce the amount owed. If a payday loan is rolled over multiple times, it 's possible to pay several hundred dollars in fees and still owe the original amount borrowed. Payday lenders are banned from rolling over loans for servicemembers, unless the new transaction results in more favorable terms for the servicemember.
04/14/2017 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • ME
  • 040XX
Web
i applied for a loan through Big pic loans. They said they were nit a payday loan and my payment would monthly. I paid my first payment on XXXX XXXX. On XXXX XXXX they took an additionL payment out. I called ca and they said i agreed to biweekly payments. I asked for the phone transcripts to verify what i was told on the phone. The said that they could no longer provide phone transcripts. They referred me to my contract several times. I tried expalining to them that what i was told and what they did is differenntthan what what i was tild. I signed the contract based on the phone call. And what the customer service person tomd me. I asked sevwral times if thia was a payday loan amd ahe said it was not. This is a decptive lender. I have paid XXXX on an XXXX loan to date but still owe XXXX pribably more. When i took the loan based in one monthly payment the loan was to be paid in one year. Now because if i now this loan will never get paid off due to the extreme interest rate and based on the fact that i was figuring once a month not twice. I am willing to pay back the XXXX with a resoanable interest but its not possible with the fees ans interest they are charfing. I have placed a stop on my bank account so they can not pull money out of it. Today a payment was due according to there records but can not pay biweekly i never would have agreed to biweekly payments. I need this resolved before it gets out if control and phine calls start. If i have already paid XXXX then i owe XXXX more with a reasonable interest rate. I wasnt able to se the interest rate until after i signed. It is impossible to pay this back. I am also scared of what they can do since they are a triba company. I need a resolution to this as soon as possible to date i have not received fees becauae i paid to stop all payments frim this company. My bank is aware that they may try a different ame and amount so we are monitoring my account. I paid XXXX to stip payments from them. I have demaded that the company remove my account info from direct debit. They said they would but i am being proCtive against them so since today was the first ao called missed payment i dont know what they will do expect charge me ridiculous fees. When they start harassing me i will privide proof. I dis not agree to biweekly paymnets and i do not get paid biweekly so they also changed my application by updating my pay info. This company need to be stopped. They advertise specifucally they they are not a payday loan.but they are in the worse way very deceptive. I also want to make sure they dont destroy my credit by updating it charge off. Also because they took an unautoeizsd payment out of my account my other bills did t get paid this is a horrible company that uses lies to run their company legal action should be taken against them.
02/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01109
Web
XXXX XXXX and Big Picture Loans solicited me and others in XXXX, MA for payday loans under {$6000.00} with an annual percentage rate much higher than the amount allowed in Massachusetts, without being licensed with the Massachusetts Division of Banks. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, sent me a flier by United States Postal service saying me and 451 people who specifically resided in XXXX, MA were pre-approved to receive up to {$400.00}. I took out the loan ( loan # XXXX ) and paid the loan off in the amount of {$1700.00}. During my loan with XXXX XXXX, they assigned the loan to Big Picture Loans XX/XX/XXXX. XX/XX/XXXX, after I paid my previous loan off, Big Picture Loans sent me a solicitation for another loan by United States Postal Service saying me and 34 other people who specifically reside in XXXX, MA were pre-approved for up to {$600.00}. I took out the loan on XX/XX/XXXX, which was approved for {$900.00} ( loan # XXXX ). This loan had an APR of 497.6312. After paying {$640.00} on the loan, I asked Big Picture Loan if they can NOT debit my account the following pay and allow me to skip a payment time because I was having financial difficulties. They told me they could wait until the next pay time BUT I would have to make 2 payments. I had to agree because I had no choice. They were not willing to extend the loan by 1 payment. After having problems with them remotely creating checks on my account without my permission, causing me {$60.00} in overdraft fees, I wrote them a l complaint letter. They offered me a settlement which I approved but they stopped taking funds out of my account. I revoked their permission to access my checking account by sending them a letter. I feel these loans were illegal because I have recently come to find out these companies are not licensed to do small loans in Massachusetts, and by these companies being aware of this but still soliciting advertisements via United States Postal Service, they were being deceitful and are liable for refunding all money that I have paid on these 2 loans in the amount of {$1300.00} plus the {$60.00} insufficient fees I was charged on my banking account totaling {$1400.00}. If the company would rather have the Massachusetts Division of Banks make a ruling on whether they owe me just the finance fees I paid or the full amount paid for the 2 loans which is {$2300.00}. I would be willing to file a complaint with them and let them make an accurate decision. I would also like a letter stating both these accounts are closed. I would like to have this money refunded to me within 15 days via express mail. Any correspondence is to be done by email or certified mail where it can be documented. These companies have cause me long term financial harm. I have enclosed supporting documents.
04/02/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32305
Web
I contacted the above ceditor ( Big Picture Loans , LLC ) via email on XX/XX/2017 informing them of an unexpected permanent financial hardship and requested a settlement agreement on the account without accruing any additional interest past XX/XX/2017. Due to the financial hardship, my checking account is negative and will be closing. I received several emails from the creditor however they wanted the past due amount ( the interest and principal due that day and would not stop the interest from accruing ). After unsuccessful attempts to resolve the matter via email, I contacted the creditor and spoke with the resolution department on XX/XX/2017. They informed me that they were unable to provide a settlement agreement. After the conversation on XX/XX/2017, I emailed the creditor and request a " cease and desist '' of all communication and correspondence except for email to resolve the issue or United States Postal Service. I received an email response on XX/XX/2017 stating they were currently reviewing my account and would contact me for a resolution. Likewise, I received a settlement offer XX/XX/2017. My complaints are as follows : Complaint # 1 : I contacted them on XX/XX/2017 to explain permanent financial hardship and requested a settlement offer. After numerous communication efforts, they finally approved a settlement offer on XX/XX/2017.Therefore, accruing additional interest on the loan from XX/XX/2017 through XX/XX/2017. The amount was {$600.00} principal balance and {$350.00} interest, total payment of {$950.00}. If the account had been settled in a timely manner ( the interest would be only about half of the above amount ) Complaint # 2 : The payment due date on the payment schedule on the settlement offer are either on my pay date or the day after I get paid. The only options for payments are electronic debits ( ACH, RCC, post dated checks ) from bank account or mail in payment. The electronic payment is not an option due to the current checking account situation and the account is approaching closing at any day. Therefore, I would have to mail in payments. It would be impossible for payments to be received by the due date. I have sent several emails replying to the settlement offer in respect to the above complaints. As of today, I have not received a reply or response from the creditor. I am required to send a reply of " I agree '' to the terms of the settlement offer by XX/XX/2017. Or they would send account to resolution department for further collection.Due to these unresolved complaint issues, I am unable to agree to the full terms of the settlement offer. These issues would hinder my ability to successfully complete the settlement offer. Likewise, my intentions are to repay the debt but under more fair debt collection practices.
04/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. As of XX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.
08/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32837
Web Older American
I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early. I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed. I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed. Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand! The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!! They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!! I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS
04/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. As ofXX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.
05/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ME
  • 042XX
Web
On XX/XX/XXXX I followed up on a letter that I had received from Big Picture Loans in the mail with an online application. My husband had been working minimal hours, and I was in a very tight place. I applied and received my contract - I thought I would be paying around {$150.00} a month for 6 months on a {$650.00} loan. Very steep, but I was in a desperate situation. They called it an installment loan, so I assumed that they are licensed In Maine, where I live. My plan was to pay the loan back within a two week time frame. When I logged into my account on XX/XX/XXXXto see what my payoff was, I found that not only did I owe the {$650.00}. but I also owed approximately {$190.00} in interest - for two weeks???? So I looked at my agreement and the payment plan was for {$150.00} biweekly for a 6 month term, which came out to be around {$1900.00}, for a {$650.00} loan! I started doing research, and found that Big Picture Loans is really just a payday lender in disguise. In Maine there are regulations on payday loans and the amount of interest that they can charge, and they are not licensed in Maine, on top of not adhering to the regulations on payday loans. I immediately revoked the ACH authorization with my bank, and I notified Big Picture Loans of this action, and also revoked the right for them to contact me by phone, so that I could have all further communication in writing. OnXX/XX/XXXX Big Picture Loans emailed me to let me know that they were attempting to collect my payments. I emailed them back on XX/XX/XXXX, explaining to them and providing a copy of my state laws and regulations, and let them know that I knew it was illegal for them to practice without a license in Maine. I received a " settlement letter '' offer from them on XX/XX/XXXX. This tells me that they know that they are in the wrong, if they are willing to settle on this debt. I figured up the info on my loan - {$650.00} loan at 30 % for six months as allowed by law in the State of Maine is {$110.00} per month for six months, for a total repayment of {$700.00}. I offered to mail them a money order for the {$110.00} on the XX/XX/XXXXof each month, starting on XX/XX/XXXX to pay the principle amount of the loan plus the interest at 30 %. I received a letter back from them stating that since they are a tribal lender, that they are not required to follow the laws set forth in the State of Maine for lending. I have attached all the emails back and forth to this information. I have no issues with paying back the initial loan amount plus interest, as one would expect on any loan, but this is predatory to say the least.
12/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55423
Web
I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks. Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None
12/02/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • GA
  • 30331
Web Servicemember
About 3 weeks ago I received an email saying my loan was pending with castlepayday. I ignored. Within the hour another email arrived saying the loan had been approved. I called the number in the email and told them I never applied for a loan, the agent said it was just an offer. I proceeded to delete the emails. On XX/XX/XXXX I noticed that castlepayday had deposited {$900.00} into my checking acct. I called my bank, XXXX, and asked what to do. I also filed a complaint with the FTC and contacted an advocacy group. At this time I had no idea how to contact CPD however in the meantime XXXX was watching my account and did a stop payment so castlepayday could not takeany money out of my account as a precaution. XXXX also made arrangements to return the money to CPD as soon as it finished processing. 2 days later the loan processed. I now had a contact number for CPD and called them and told them I never applied for a loan and they would receive the funds of {$900.00} back within 5 business days. I spoke with a XXXX, supervisor, who assured me they would not take any money from my account and would close this and erase me from their system. On XX/XX/XXXX castlepayday.com withdrew {$310.00} from my checking account. The name now included .com and the system only knew to do a stop payment on Castlepayday not castlepayday.com. XXXX has been contacted again and explained to me how CPD got around my account. I called CPD and requested the money to be returned since they were never authorized to take money from my account. CPD kept insisting that they needed to verify the funds were removed by talking to my bank or checking with my online banking or having me send them a bank statement. I refused all XXXX since they already have this in their system. I told them I was not going to give them any additional information since they had what they needed to get into my account. For some reason they kept insisting they needed the info so I asked for a manager since the agent was n't getting that they have the information including my {$310.00}. A manager named XXXX finally got on the phone and she requested the same info I told her know that they already have it so she is suppose to contact their research team to look into this and get back with me on XX/XX/2015 in the meantime my bank is blocking them from having access to my account under CastlePayday.com. I have no idea how they got my banking information or what gives them the right to take money from my account without my permission.
10/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32257
Web
i received a letter in the mail saying i was pre-approved for up to an {$800.00} loan. My husband had just had an accident and he had broken his ankle and fibula. this was causing a lot of additional medical bills and co-pays. I went online and filled out for the loan, they said i could get {$800.00}, i choose instead {$400.00}. I read the brochure over and it never mentioned anything about the amount of interest or payments. I filled out the on-line application, within about 10 minutes i received a call from someone at Big Picture Loans. They went over the amount, the information, and verified my phone and pay dates I was told initially there would be 5 payments of {$140.00} every 2 weeks as a service charge for the loan. they mentioned that after that the loan payments would reduce the interest rate every 2 weeks. I was told if that sounded ok to accept the agreement and sign it on line and then i could print out all the documents. I printed the documents but my printer was not working right. i had to wait till the next day to ask my daughter to print them out. That is when i almost had a XXXX!!! I was able to look over the numbers and found out that i would be repayiing {$2200.00} on a {$400.00} loan, worse yet i found out that the finance charges were {$1800.00}, and an interest rate of 1825 %.!! None of this was mentioned over the phone. I was NEVER told the interest rate or repayment was going to be that much. I assumed that that is why the fiirst 5 payments went to a service charge. I thought i was paying 25 or 29 % interest. the amounts that show up in the documents were never ever mentioned. I have called to complaint but i just get a run around, you needed the money we gave it to you.no pay for it. I also was told that this was a tribal loan and i could not omplain to any government agency. that i would have to appeal to a tribal council. NONE of this was ever mentioned. It was never mentioned that i had a 2 day cancel period, whichis in the docs but never brought up on the phone call when i accepted the loan. This company is a scam! i can not imagine hw many other people have been caught in a bind and have fallen for the same thing. I have asked them and faxed them a request to stop ACH withdrawals from my bank account. I will look to resolve this in a reasonable manner. I do not mind paying a higher interest rate but, 18825 % 0n {$400.00} is a robbery!!! I am hoping you can investigate and help me with this matter
08/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • AL
  • 35124
Web
I paid a {$1000.00} loan taken out with Big Picture Loans on XX/XX/XXXX in full on XX/XX/XXXX for the amount of {$1400.00} ( attached ) On XX/XX/XXXX, I logged onto the website https : //my.bigpictureloans.com/loan-status to make sure the debt was satisfied and it stated I owed an additional {$94.00}. I called Big Picture Loans to find out why the account had a balance and was told it was additional fees and interest. I paid Big Picture Loans {$94.00} on XX/XX/XXXX as an amount to have the loan paid in full again. However, Big Picture Loans continued to take payments out of my personal checking account. Since the loan was paid off and documentation from Big Picture Loans was provided stating that the loan was paid off on XX/XX/XXXX ( attached ) they have continued to charge me fraudulent charges for the following amounts on the following dates XX/XX/XXXX for {$250.00} which caused a overdraft fee of {$29.00}. I called Big Picture Loans on XX/XX/XXXX and asked why they drafted {$250.00} out of my account on XX/XX/XXXX when the account was paid in full on XX/XX/XXXX. They proceeded to tell me I owed additional fees and interest of {$380.00}. I then proceeded to call my bank to have my checking account closed so Big Picture Loans could no longer take money, at will, My bank, XXXX, informed me that I could close the account but each time Big Picture Loans tried to draft additional money out of my account that it would cause the account to be re-opened which would cost me additional NSF fees. In yet another effort to stop Big Picture Loans from fraudulently charging additional fees and interest that I did n't owe them and also to stop Big Picture Loans harassment, I used my wifes debit card to pay these so called additional fees and interest of {$380.00} ( copy attached ) on XX/XX/XXXX.. Another fraudulent payment of {$250.00} was drafted on XX/XX/XXXX! In the last attachment # 5 it clearly states I have paid {$1200.00} to principal which is more than the loan was originated for and {$890.00} in interest. These two amounts added together is only {$2100.00} when the amount that Big Picture Loans has taken from me is {$2400.00} or possibly more. I think this kind of accounting practices clearly proves this company is breaking the law by not stating all income correctly and in committing fraud against their customers. I would like to sue them when it is determined they are conducting business illegally.
10/14/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MS
  • 38654
Web Servicemember
I received a letter in the mail from Castle Payday ( not a payday loan, so they claim ). while applying online with specific agreements and rates and how much i would be paying and interest and fees, every thing was flowing smooth and i agreed on an {$800.00} loan. before i could finish the process, they call me and want to finish out on the phone and they tried changing up the agreement where i would pay a {$400.00} fee up front on my first payment, I told them that was not the agreement i electronically signed on the application over the internet, and that if we are going to proceed, I will only agree to the original contract i signed, they finally after bickering back and forth agreed ( i think just to shut me up ), they pulled a bait and switch on me - they then proceeded and the next day, I had {$800.00} in my account, i called on my due date to process payment which was automatic but i needed to confirm it, they wanted {$400.00}, I told them that was not the agreement i signed, they then email me an agreement that i never saw before, not once, it had a 560 % interest rate, making the total {$800.00} loan, {$6200.00} - - i would never in my life agree to a loan like that, it is insane, ( im enclosing an attachment of the agreement, i had never seen this nor did i sign this, my first time even knowing about it was when they sent it to meafter i complained with them for not honoring the agreement - this is not the agreement i signed or acknowledged ) i never was presented with this - i called and they told me i could pay XXXX and close out the loan, i said i dont have XXXX could i pay the XXXX and then pay the rest next month and it close out, they confirmed that yes i could ... ..next month rolls around and they tell me i have to pay another XXXX plus the XXXX, i cant just pay the XXXX ... .basically i have to pay XXXX out right, at least thats what they tell me this time, im sure it would change next month as it has changed every time i talk with them, they dont honor their agreements so i shut down my bank account and im not going to honor my original agreement, they got their money back and they are not getting anymore, my only concern now is that because they are deceitful and scamming and have the abilities, they can now affect my credit ... im not the only one, there is a website of XXXX 's of complaints identical to mine in regards to castle payday consumer loans
07/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97304
Web
I found Castle Payday Loan with a search engine listed as " installment payday loans '' and applied. I was contacted the same day by a " loan officer '' and told for a {$350.00} loan I would make 4 installments of XXXX ea, over a 60 day period. After making the first pymt I went online to check what the payoff balance was and it showed no difference to the original loan amt, and was now showing a XXXX payoff. I decided to wait a week to see if it was just a website error The next time I got online was 4 days before the next pymt was due and it was still showing the same payoff, so i looked at " schedule of pymts '' tab, which BTW had NOT been an available tab option at the time of the loan. The schedule of pymts showed, 3 more pymts of XXXX and THEN ... another 15 pymts of slightly lower amts for a total of XXXX on a XXXX loan that was told to me to be 4 pymts of XXXX. There is no way I would have ever agreed to pay back XXXX dollars and the idea of paying for 18 mths on a XXXX loan at 788 % interest is criminal! I wrote this letter to Castle Payday as per their website to rescind my approval for them to withdraw money from my bank acct. They have not responded. Previous messageNext messageBack to messagesRescinding ConsentRescinding ConsentXXXX XXXXXXXXTo : XXXXXXXXXXXXTo whom it may concern, I attempted several times to reach you today to rescind my consent for ACH withdrawals from my account. After being on hold and told over and over, that it would only be another 35 seconds, I hung up and contacted my employee assistance program who put me in touch with a Predatory Lending Atty who advised me to notify you by email that I withdraw my consent and report your company to XXXX. I was told at the time the loan was taken out that i would have 4 TOTAL payments of XXXX on a {$350.00} loan. When I checked the payoff yesterday, it showed a higher amount NOW due than when I took out the loan, after making one of the three reported payments. Your schedule of payments shows a ridiculous 18 payments for a total of {$1600.00} on what was supposed to be a 60 day loan. I will not be paying this. I have reported you to XXXX and will follow all legal counsel should you attempt to collect on this. I will pay the original contracted amount of {$490.00} minus the {$120.00} already paid. XXXX XXXX XXXXApplication # XXXXPlease advise if I have any other options. XXXX
03/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32221
Web
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1100.00}, and have had 9 bi-weekly withdrawals of {$150.00} debited from my account. This results in a principal balance of {$1300.00}. This results in an overpayment of {$290.00}. At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$290.00} overpayment. A refund check of {$290.00} should be mailed to me at the address you have on file. I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. Sincerely, XXXX XXXX
12/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48204
Web
I KEPT RECEIVING LETTERS FROM THIS COMPANY BY POSTAL MAIL.,, IN THE SUMMER MONTHS AN INTO THE FALL .. SO IN XXXX I HAD A REALLY BAD BASEMENT ISSUE WITH FLOODING AN NEEDED SOME CASH TO FIX THE PROBLEM .. SO I KEPT GETTING LETTER SAYING I WAS PRE -APPROVED FOR XXXX SO I APPLIED ON LINE THEN SOME ONE CALLED ME IN READING THE TERMS I FOUND THAT I ONLY BORROWED XXXX BUT AFTER THE MONEY WAS DEPOSITED INTO MY BANK ACCOUNT I PRINTED OUT ALL THE LOAN INFORMATION AN FOUND THAT THEY WANT ME TO PAY XXXX A MONTH UNTIL XXXX XXXX SO I PAID THE FIRST XXXX IN XXXX XXXX XXXX SO I LOOKED I SAW THEY WANTED THIS AMOUNT EVERY MONTH UNTIL XXXX XXXX SO IN XXXX I CALLED THEM TO ASK COULD I LOWER MY PAYMENT I AM XXXX AN XXXX AN I WANTED TO STOP THE AUTO PAYMENT AN THAT I WAS ON A FIXED INCOME AN HAD NO IDEA I WOULD BE PAYING BACK XXXX AN I I GOT WAS XXXX SO I TRIED TO GET THE PAYMENT DATE CHANGED AN PAYMENTS LOWERED I JUST SENT THEM XXXX AN THEY CHARGED MY BANK A INTERNATIONAL FEE OF XXXX FOR PAYING MY BILL NEVER TOLD ME THAT I WAS OVER DRAFTED WITH MY BANK SO I TOLD THEM I WAS FILING A COMPLAINT WITH ALL THE AGENCIES IN MICHIGAN IN MY STATE THIS IS CRIMINAL,. WHEN I ONLY GOT XXXX AN WAS PREPARE TO PAY 3 OR 4 PAYMENTS OF THE XXXX TO GIVE THEM BACK THERE XXXX THEY TOLD ME I COULD NOT GET THE PAYMENT LOWERED I WOULD HAVE TO PAY THE WHOLE LOAN BACK OF XXXX WHEN I ONLY GOT XXXX OR I HAVE TO PAY UNTIL XXXX XXXX XXXX THIS IS CRIMINAL AN UNFAIR LEADING PRACTICES AN THEY DONT TELL U THE ARE NOT IN THIS COUNTRY, ,THEY ARE CHARGING U ANOTHER FEE JUST TO PAY UR BILL WITH THEM.. A INTERNATIONAL FEE..OVER XXXX I WAS CHARGE THE XXXX I PAID THEM AN A INTERNATIONAL FEE OF XXXX .. I HAD NO IDEA THIS WAS A PREDATORY XXXX COMPANY I WAS REALLY IN NEED OF A HOME REPAIR AN I HAD NO IDEA THIS WOULD BE HAPPENING TO ME I CAN NOT AFFORD XXXX A MONTH FOR 12 MONTHS,, AN PAYING XXXX FOR XXXX I THOUGHT THREE PAYMENTS OF XXXX WOULD HAVE BEEN MORE THAN ENOUGH TO PAY THEM BACK AFTER I PAID THE XXXX ON XXXX I TRIED TALKING TO A SUPERVISOR AN TRIED TO MAKE OTHER PAYMENT ARRANGEMENTS THEY TOLD ME NO.. SO I AM FILING COMPLAINT WITH BBB CONSUMER AFFAIRS AN THE ATTORNEY GENERAL OFFICE AN THE LICENSE AN REGULATION BUREAU IN MY STATE,, I CAN NOT PAY MY OTHER BILLS FOR TRYING TO PAY BACK A XXXX LOAN OVER XXXX FOR 12 MONTHS THANK XXXX XXXX XXXX
06/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48076
Web
Good afternoon, I applied for a loan from big picture loans as I was in need to pay bills and a student loan. I was approved for {$400.00} and the {$400.00} was deposited into my account on XX/XX/2016 . I believed I had fully understood/accepted the terms until I was able to see The Truth in Lending disclosure, which was not visible/available until after I accepted this loan. It showed an APR of 887.4203 % and that the total repayment amount for my { {$400.00} } loan would be { {$1800.00} } I had not been informed of the 887 % interest rate on the loan, and I was told there would be a { {$140.00} } finance charge, not { {$1800.00} } in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. There was a finance charge of {$140.00}, the {$140.00} ( amount slightly decreases until end date ) would be taken out each payday until the loan was satisfied at a 887.4203 % interest rate, or the loan could be paid in full at once for a total of {$540.00} ( {$400.00} loan amount + {$140.00} finance charge ) I have since paid more than what I rightfully owe, now totalling in the amount of {$1000.00} funds were take out on these days : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX = XXXX I am looking to have my obligation fulfilled since I have paid the initial loan amount back ( {$400.00} ) and the finance charge ( {$140.00} ) = {$540.00} I am financially no longer able to sustain paying this loan as it is too much. If possible I would like a refund of overpaym ent ( {$480.00} ) but would gladly take just a clean break/account considered paid at this point if a refund can not be granted. Big Picture Lo ans will not work with me on either request, all they have done is postponed withdrawals of the finance amount from a account, which they will now no longer do as well. If you can assist with having my account closed w ith Big Picture L oans I will greatly appreciate it. Thank you for your time. Big Picture Loans ( or known as Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ) co ntact info is : XXXX . XXXX XXXX , XXXX , MI XXXX XXXX
07/08/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 91354
Web
I applied for a XXXX loan cancelled the minute I found out about their interest rates, the gal at Big pic loan said my loan was in review and she could not stop it, than she put me on hold like 5 x during this phone call only to say she could n't stop it the money was going into my acct! I was NEVER TOLD ABOUT A FEE OF XXXX loan fee either. They put the $ $ in I proceed to call to have the $ $ withdrawn so I could get out of this nonsense that I did n't want to begin with .... then they said since they tried taking the XXXX out and there was not enough there because of the {$130.00} Finance charge that I was NEVER TOLD ABOUT! So there was only XXXX and some change there. My bank sent it back I had a non sufficient charge and than the fun began with this company! I called and spoke to a guy named XXXX who insured me I will have this closed and handled but, that I needed to pay more since daily interest was occurring. Payoff now was XXXX they were to take the $ $ out on XX/XX/XXXX .... NEVER DID! I called and spoke to XXXX who said XXXX never put the order through and they could n't do anything .... She proceed to say XX/XX/XXXX they could take the $ $ out but, it was n't going to be for XXXX it would be XXXX due to more interest .... this is insane and wrong! She than said she would take this matter to a higher level .... have n't heard from them ... .. which I probably wo n't! I did n't want this loan, cancelled it in time but, was told it was too late .... this company is a True scam and should not be allowed to operate .... I 've been searching the internet and seeing all the problems people had with this company it 's ridiculous ... .. 3 names this company has used ... .. Red rock tribal, Castle Payday now BIG PICTURE LOAN .... I need Help with this matter .... I did n't want the loan cancelled in time yet held me deemed responsible for something I did n't want!! Now they are not complying giving me the one around while making my XXXX loan building interest rates daily since they refuse to take the $ $ I was told to pay to close out my acct with Big Picture loans .... they refuse me paying it off and keep adding interest rates daily when the $ $ has been in my acct for them to take! It 's sad that this is what this company is doing and just plain WRONG!!
04/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48430
Web
I was in a tight situation financially, and needed a little money to pay one of my other monthly obligations due to being laid off for a time with no unemployment insurance. My credit score had dipped for a while so I had to go to a " poor credit score '' lender. I was able to borrow {$900.00} which got me through a hard week and kept everything financially afloat. I have been making bi-weekly payments for several months without missing any, and so I called the company for a payoff when it looked like I might be able to get this off my back and out of my budget. I had made 10 payments of {$130.00} at the time of the inquiry to their service dept., and figured that like other lender payoffs, the payoff amount would be less than a multiple of the amortized payments left. No such luck! They told me at the end of XXXX that the payoff was @ {$980.00}!! I have already paid {$1700.00} to date ; as of XX/XX/XXXX, and the payoff is still only the amount of the original principal! When I reviewed the original disclosure of terms before signing, I knew that because of my lower credit score, that I would not have favorable or low interest. I saw a " 1.09 % '' daily interest rate, and was not thinking that I would carry this loan more than a month or two. So, yes I'm stuck in this loan, paying $ XXXX or so and this lender is offering no early breaks. This is clearly a predatory lender ; circumventing US financial laws by virtue of being a federally recognized XXXX tribe! Upon closer scrutiny of the fine print in my contract, the loan agreement is governed by the XXXX XXXX XXXX XXXX of XXXX XXXX! They claim " Tribal Sovereign Immunity '' from suit and have a " Tribal Dispute Resolution Procedure '', which I technically could employ if I wanted to. I just wanted you to know that while I signed a contract which binds me, it still doesn't nullify the abusive and predatory nature of these loans which are extortionary by design and put people like myself, who have decades of good credit practices into an oppressive situation when hard economic conditions come upon us. Thank-you very much for hearing me out! Perhaps legislation can be introduced in the future which limits lenders of any kind from abusive practices.
07/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22079
Web
I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR : XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan. Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01 XX/XX/2017 {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02 XXXX {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03 XX/XX/2017 {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04 XX/XX/2017 {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05 XX/XX/2017 {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06 XX/XX/2017 {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07 XXXX {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08 XX/XX/2017 {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09 XX/XX/2017 {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10 XX/XX/2017 {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11 XXXX {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12 XXXX {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13 XXXX {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14 XXXX {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15 XX/XX/2017 {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16 XXXX {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17 XX/XX/2017 {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18 XX/XX/2017 {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19 XX/XX/2017 {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20 XXXX {$120.00} {$120.00} {$160.00} {$34.00} N/A None
07/30/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • NC
  • 28443
Web
hi my name is XXXX XXXX and I recently received a loan from BIG PICTURE LOANS for {$800.00} and I was told that I would be paying {$1000.00} back for borrowing that amount and that I have options to pay it back however I like. At the time that I took out the loan I had no idea what I was getting into until I had already received the loan and then I was informed that I would be paying it back twice a month rather than once a month. I have contacted them multiple times to tell them that there is no way that I could possibly do that given my current job situation and they had told me that they would work with me if necessary not to worry about it, so when I contacted them back to try to come up with a resolution for this they wanted no parts of helping me and they continually take money out of my account every two weeks and it is about to make me lose everything I own because I do n't have it like that to pay them like that. I have already reached the amount of money that I borrowed plus the {$280.00} that they said they were going to make off me and now when I talk to them they tell me that until I actually send them the total amount in full ( {$1000.00} ) again all at one time that they are going to continue to take money out of my account until they make some absurd amount of ( {$6000.00} to {$8000.00} ) which I most certainly can not afford given my current situation. do I have any options and if so please let me know. I bank with XXXX XXXX XXXX in XXXX XXXX I work hard to take care of my house XXXX step kids and my girlfriend as well as my animals. I have also lost my cell phone account and have defaulted on XXXX credit cards as well because they did not live up to their end of the deal. I am at my wits end with this and need help! PLEASE! also this very day while filling these forms out I tried contacting them to get my loan number and the first guy said I could not have it and then proceeded to hang up on me so I called back and the next person gave it to me. What a joke of a company and absolutely no way to do business I also have proof of this as all my calls are recorded as well for " quality assurance ''.
04/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • LA
  • 707XX
Web
This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.
05/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85365
Web
We originally requested a payday loan from XXXX XXXX ( see original document sent my mail ) in XX/XX/XXXX The company misrepresented the finance charges associated with the term of the loan. We were originally told the cost of this loan was going to be {$1200.00} in interest above the original loan amount. Originally the payments came out on our paydate as expected. The amount was large ( {$280.00} twice a month ), but we knew that payday loans are an expensive form or finance, so at first we just paid and did n't really check further. After three months of payments, thinking we must surely be close to payoff, I can no longer find Castle Payday online, it is now Big Picture Loans ( XXXX XXXX XXXX XXXX, XXXX ) I found this out because the payments on my check register no longer stated " XXXX XXXX '', but now " Big Picture Loans '' which did n't jive with the original agreement. Further upon trying to logon to the account, the company did not or would not publish the balance or payment schedule. Now two months later, they finally posted the payment plan and what a shock. This company is charging us 927.7664 % interest. By the time the loan is paid, it will have cost us XXXX!!!!!!!!!!! This was NOT what was represented and we do n't know what our legal rights are. We did NOT agree to this outrageous piracy. This is predatory lending. Please help! I have been told on the phone that Tribal Lending does not have to comply with Federal regulations. I 've already paid them {$3000.00} to date and the payment and payment due date keeps changing. It is no longer on our payday. This ca n't be legal. The " contract '' that says we agreed is not what we were told or given at the onset, the interest rate is DEFINITELY not what we agreed to and had we known that they consider themselves a Sovereign State, immune from federal regulation and claims ( you will be limited in what claims, if any, you may be able to assert ), we definitely would never have taken this out. We have used payday loans in the past and realize they are pricey forms of funds, but this is excessive and was not disclosed at the onset.
10/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33309
Web
I got a loan for {$1000.00} ON XX/XX/XXXX ... received a payment schedule showing when I had to make my payments for fixed amount of {$210.00} every two weeks .... that would be a fraction for principal and the rest for interest .... the more payments I complete the less interest I was suppose to paid ... So because of that I made a payment to the principal amount on XX/XX/XXXX for {$400.00}, and then moved my 1st payment to today 's date ( received and email with confirmation of the payment date changes ) so I made my payment today for {$230.00} which included {$210.00} plus late fee, so when I called Big Picture Loans to find out how much would be my pay off amount I was told that I own {$610.00} because my payment for today was all for interest ... but the payment schedule I received does not show that any payment will go full to interest ... I want to pay the money I own but I can't afford making payments of {$200.00} and over just for interest. This is the schedule I received but the account I does not show any update after {$400.00} payment made to principal Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$57.00} {$210.00} {$150.00} {$940.00} Regular Current XXXX XX/XX/XXXX {$940.00} {$46.00} {$210.00} {$160.00} {$890.00} Short 03 XX/XX/XXXX {$890.00} {$82.00} {$210.00} {$120.00} {$810.00} None 04 XX/XX/XXXX {$810.00} {$94.00} {$210.00} {$110.00} {$710.00} None 05 XX/XX/XXXX {$710.00} {$100.00} {$210.00} {$100.00} {$610.00} None 06 XX/XX/XXXX {$610.00} {$120.00} {$210.00} {$87.00} {$480.00} None 07 XX/XX/XXXX {$480.00} {$140.00} {$210.00} {$70.00} {$340.00} None 08 XX/XX/XXXX {$340.00} {$160.00} {$210.00} {$49.00} {$180.00} None 09 XX/XX/XXXX {$180.00} {$180.00} {$210.00} {$26.00} {$0.00} None I also attached an email I received where they stated that the agreement for new payment date WILL NOT change the original one, so why did they change the amount that was suppose to go to my principal? Please help.
07/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 31419
Web Servicemember
OnXX/XX/XXXX, I applied for a loan through Big Picture Loans. I was approved for {$600.00} loan. They quickly approved my loan and within a few days, after giving them my banking information, I received the {$600.00} as a direct deposit into my XXXX XXXX XXXX Account. I was told there would be a finance charge, but there was no disclosure about the APR. When I received the first statement, they sent the following information ( copied from the emailed statement ) : Loan Status : Current Balance : XXXX Principal Balance : XXXX Interest Balance : XXXX Scheduled Payment Amount : XXXX Next Scheduled Due Date : XX/XX/XXXX Due Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX Amount to Bring Current : * XXXX Past Due : XXXX Fees Due : XXXX Current Due : XXXX Total Due : XXXX The only thing that caught my attention and made me think something was wrong was the maturity date. They are taking XXXX out of my checking account twice monthly. Why would the maturity date be XXXX XXXX? I have called the company and sent emails requesting more information with no response. Yet the payments are continuing to draft. I finally went on the website and figured out how to find the actual agreement, which states I am paying 636.2942 % interest, and at the maturity date I would have payed in total {$4300.00}. This is outrageous and I believe it is illegal in the state of Georgia. I was not informed of this interest. I would have never done this. I was unable to view the truth in lending disclosure until the loan was approved and the funds were delivered. I believe this is both fraud and illegal. I was furthermore informed by the company that they immune to the laws of the federal government because they are governed under tribal law.

I need help. I do not mind paying what I rightfully owe to this company, however, I believe that 636.2942 % interest is illegal loansharking at best. I need assistance in handling this problem. To this date, I have paid a total of {$500.00} ( XXXX paid on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX of XXXX XXXX ).

08/03/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • WA
  • 98198
Web Servicemember
XX/XX/XXXX I was having financial problems. Came across a comercial on t.v regarding a payday loan ( XXXX XXXX XXXX ) and applied. Didn't realize how much interest they were charging at the time ( 600 % ), even with paying the minimun payments for months, I was unable to pay off the loan. XX/XX/XXXX we got a call from XXXX XXXX who were supposed to be collecting for XXXX XXXX told us that we needed to settle this debt. After one year of collecting and $ 800plus paid, my wife realized that we never got any written notice or any types of agreement about the debt. They had sent 2 e mails, which both amount did not match. XX/XX/XXXX, my wifes card which she was using to pay the monthly payments, was used by an unauthorized user outside the state we live in so we cancelled her card. Ms XXXX ( XXXX XXXX ) who is in charge of collecting the debt was notified that my wifes card was compromised. Ms XXXX then told us that we needed to get a prepaid card to pay the installments. Now I'm questioning wether this company is real or not since they want us to pay them with a prepaid card. One, they don't have a website, two, the email they sent does not have the business address, and three no paperworks regarding the debt and agreement were sent to us. Within the past couple of months we have been getting multiple calls daily in their attempt to collect. They have said that I've been sued but not received a summon and I also have contacted the county courts ( which I have lived in for the past five years ) and none said that they have any open or pending claims against me. Now they are threatening to garnish my wages, yet again no paperworks, no summons, nothing regarding the debt. And also the {$800.00} plus dollars we paid, XXXX XXXX is forfitting that amount and they want us to pay in full. I have other debts that I'm currently paying and those companies even after agreeing on the the phone, all have sent documentations for my copies and for me to sign, which I never received from XXXX XXXX or Ms XXXX.
11/08/2017 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
  • FL
  • 32927
Web Servicemember
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.
07/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91306
Web
I applied for a loan of {$1000.00} with Big Picture Loans on XXXX XXXX , 2017. I could not access my online account so I called one of their representatives to obtain my login information. She instructed me to use my email address and social security number as my login information which I did while on the phone with her. Once I logged in, I was able to see the payment terms and schedule ( which was extremely high and usury ) and told her I did not want the loan. She said that it was fine and to call them if I changed my mind. On XXXX XXXX , 2017 Big Picture Loans deposited {$1000.00} into my account. I immediately contacted them using their support email address and informed them that i did not approve the loan and to reverse it and take the money out of my account. After not seeing the money removed, or obtaining a reponse, I contacted them by phone and went through an arduous process of verfication, two calls to my bank, before they agreed to remove the money. They informed me that the money would not be removed until XXXX XXXX , three days later. I told them that was unacceptable and said that I wanted to pay it back to them at that moment, using a card that was attached to the same account where they deposited the funds. They refused to accept the payment and told me that if the funds were not available on the XXXX , then I would be bound by the contract. i again offered to pay the money back while on the phone and told them that I could not assure them that the money would be there on thr XXXX because of transactions going through my account. They once again reiterated that if it was n't I would be bound to the contract.

I believe this is an infair business practice in so man y ways but the main issue that i have is that they gave me money that i did not request, and have now threatend to bind me to a contract that i did not want, sign, or approve simply because I may not be able to return the money they put in my account without my approval.

07/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MN
  • 553XX
Web
I recieved in the mail a letter explaining that I qualified for a XXXX loan which could be paid back in installments instea of the next paycheck payoff. It was mailed to me on XXXX XXXX, XXXX offer stated that I was pre approved for $ XXXX and that the offer expired on XXXX XXXX, XXXX the letter state that this was not a payday loan. nowhere on the letter dose it state the interest rate or the length of time I would have to pay back the loan amount. It simply gave me the imprestion the loan would not have to be paid back the next pay period, rather I would be able to make payments. I was hesitant in getting involved with this with concerns that it would be a repeat event from a payday loan I took out for 5 days and ended up paying hundreds of dollars back. I did not want at all to get mixed up in that again. I was given a phone number to call XXXX I called the number and started the loan proccess. I spoke with someone who I can only assume was a representative of the company. she said lots of things about loan and about truth and lending but did n't disclose the interest It wasnt till after I accepted the loan offer was I made aware that the {$400.00} loan would be financed at over 600. % interest. and that if I were going to be making all the payments I would be paying {$200.00}. on each consecutive payday ( the XXXX unless its on a weekend ) until the loan was paid back totaling {$1900.00} or a onetime payment of {$600.00}. at this point I was taken back by this info and quickly put to paper the the XXXX found out that they are not charging the amount that the interest came to be they rounded down or something. If you ask me this is a payday loan.which they faulsly claimed to not be. even worse then a payday loan have they turned out to be. I am recieving social security XXXX XXXX.which before I pay for my medicare premiums so I get {$840.00}. directly deposited into my XXXX checking account as you can guess a {$600.00} hit would be very damageing for that current month.
04/16/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92109
Web
I received an installment loan from a company and was preapproved through a letter from this company, which claims to be tribal and in the approval letter claimed that I was one of only a few to be approved for a loan from this company. I then went to the website and applied for a XXXX loan which I was approved for and in the initial repayment schedule showed that I will be repaying XXXX which is reasonable for a XXXX loan. After the loan was completed, I received a call from one of their representatives to talk over what the loan entails. The call lasted roughly XXXX minutes which included a recording I was made to listen to for about 2 of those minutes, afterwards the person came back on the line and proceeded to read a fixed statement in the most slow, monotone and non enthusiastic way possible, seemed like a way for me to tune out what exactly was said in order to cover up mal business practice. Once I received the money which was deposited the next business day, I tried to open the loan agreement online and my browser returned an, " unable to view documents '' page. I went back to the original website and checked to see how the loans were repaid and upon looking I found that the payment structure of such a loan was so outlandish that it made my stomach turn, the original XXXX, which on " your account '' page shows XXXX, but the structure will force the consumer to make a payment of XXXX four times and then a fifth time of XXXX before making any dent to the original XXXX loan and that the total XXXX would be repaid over the course of 24 months. with an interest rate of over 800 % roughly on every repayment. which over the course of XXXX months repayment would be close to XXXX. I was not made aware anywhere in the initial mail, any emails or even in the websites application process that this would take XXXX months to repay wit an out of this world interest rate. I have searched online and not to my surprise I found others who have had similar issues.
07/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ME
  • 043XX
Web Servicemember
Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the company via email and requested no further debits be taken from my bank account and that as I have now paid {$450.00} for a {$350.00} loan that it should be considered " settled. '' The company has ignored my request and upon research I have found information that this company is involved in fraudulent and illegal activities. Please find below a payment schedule the company for my account taken from it 's online center. My Account Loan Details Customer Name : XXXX XXXX Application No : XXXX Original Loan Amount : {$350.00} Principal Balance : {$200.00} Loan Docs : View Want to Make a Payment? View Options Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 602.043 Interest Balance : N/A Original Scheduled Installments : 6 Current Installment Cycle : 4 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$300.00} Principal Paid To Date : {$140.00} Last Payment Amount : {$140.00} Last Payment Date : XX/XX/XXXX Loan Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$350.00} {$91.00} {$140.00} {$57.00} {$250.00} Regular Current 02 XX/XX/XXXX {$250.00} {$17.00} {$140.00} {$130.00} {$240.00} Regular Current 03 XX/XX/XXXX {$240.00} {$34.00} {$140.00} {$110.00} {$200.00} Regular Current 04 XX/XX/XXXX {$200.00} {$40.00} {$140.00} {$100.00} {$160.00} None 05 XX/XX/XXXX {$160.00} {$64.00} {$140.00} {$84.00} {$100.00} None 06 XX/XX/XXXX {$100.00} {$100.00} {$140.00} {$46.00} N/A None
10/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NC
  • 28027
Web
I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.
03/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Pawn loan
  • Charged fees or interest you didn't expect
  • SD
  • 57103
Web
This company takes advantage of people through fast talking and minimal disclosures. I signed for this loan unaware of the total cost. The interest rate on the loan is 689 % which is illegal. I took out the loan for {$800.00} on XX/XX/XXXX and after {$1300.00} in payments, I called to pay off the loan on XX/XX/XXXX and the amount owed was {$680.00}. They had charged {$1200.00} in interest during 4 months. I called to pay off and they initially tried to make me wait 4 days so they could charge more interest, I told them no and to process ASAP to stop the interest. Then they told me that I had to pay with the account on file and if I wanted to change it would take a few more days ( more interest ). I requested a supervisor and then they transferred to me to another dept to make that payment by credit card. The rep advised that there may be foreign transaction fees for processing a card to which I advised that was not acceptable. Why do they have foreign transaction fees if their location is in Michigan and they are taking advantage of " Tribal Laws '' to bypass usury laws. This company and most of the people were XXXX XXXX - not XXXX XXXX. They are scammers, please help. Big Picture Loans is a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX, a wholly owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the Tribe, and operates in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulatory Code, which can be found here : Tribal Consumer Financial Services Regulatory Code.pdf.
09/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IA
  • 50317
Web
on XXXX XXXX XXXX i filed an application online for a loan with big picture loans. I was unaware that i would be paying {$4100.00} for a {$700.00} loan. Big Picture Loans called me and explained my payments would be XXXX every two weeks and to pay off loan it would be {$870.00}. It was implied that i could pay off the loan early and the total cost would be XXXX but was never made clear that the payments were interest only. i was never provided documents prior to accepting the loan to review, only the loan application. after accepting the loan, i became aware of the amount i would be paying in interest for the loan after i acepted it and the funds were dispursed. the rep on the phone was not clear on all details. He did not disclose any of the fees that i read about in the loan docs. I notices a XXXX dollar a week fee if i dont let them take the payment. If was made clearly aware of all these fees and stipulations and total final cost of the loan with details of the exact amount interest would be paid for loan if taken to term, i would not have accepted this offer. This is illegal. The rep was also pushy and speedy. he was rushing me through the process, i believe so i was n't completely aware of all the details. I have done research on the company and found out im not alone. This company has been doing this to many people. this company needs to be closed down it seems like they keep changing their name to avoid repercussion. not only am i asking for help in this matter, I want to know if its possible to bring charges against the company. How do i go about getting this loan dissolved without hurting my credit. they lied to me and illegally and intentionally did not disclose the whole details. in XXXX the ftc act passed a law so that these kind of companies can not use the tribal laws to take advantage of consumers. please help.
09/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 310XX
Web Servicemember
Hi. I took out a XXXX dollar loan with Big Picture Loan on XX/XX/2016. The bill was due on XX/XX/2016. for {$1300.00}. When I deposited my check, my bank put a hold on the money until XXXX XXXX. On XXXX XXXX, I went to pay the total loan off but did not have access to pay the amount online. I called the XXXX number and the first representative said they were going to charge me a {$350.00} nsf charge. I told her that the money was in the bank and I did not know they were going to place a hold. I told her that I wanted to pay the total balance on my account which was {$1000.00} for the loan, {$350.00} for the finance charge, and {$20.00} fee. which was a total of {$1300.00} She told me she needed to transfer me to the solutions agent in order to make that payment. When the solutions agent was on the phone he said the {$350.00} fee was not a nsf fee but a new finance charge for my next payment. IT was at this time that my payments were biweekly when they told me it would be a monthly charge. I did not know that they would charge me a XXXX charge every two weeks. I told the agent that if i am being charged biweekly the next payment is n't due until XXXX XXXX. I told him I wanted to pay the entire balance off, it was only 8 days late. He refused repeatedly to accept my card over the phone and stated that he would only accept a XXXX payment first for the finance charge and then the XXXX payment. I told him that I am not paying for a fee that is n't reflected on my account. I took a picture of it and it has a date and time stamp. He continued to refuse to accept my payment to pay off the loan. I then asked him for the address to send him the certified check. He said that I may incur more fees. I told him that I should not be responsible for any fees if you are refusing to accept payment in full over the phone.
06/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SD
  • 573XX
Web
I applied for a short term loan online XX/XX/XXXX at the website for Big Picture Loans. I did not receive any details about the loan but the money was credited for {$850.00}. I am still not able to view the online loan agreement and have requested but never received any copy. I thought I had paid off the loan but was still getting notices about upcoming payments. I requested that Big Picture Loans revoke my ACH agreement and asked for the payoff balance. The online account screen shows I still owe 8 more payments of {$200.00}. That would make a total repayment {$2600.00}. That is nowhere close to the cap of 36 % I expected. I have already paid {$1200.00} in payments but they say I still owe the full 8 more payments. The payments I have made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX should have been enough to payoff the loan, instead they claim it only reduced my principle by {$45.00}. That is not possible! I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 550 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I am a resident of South Dakota I had no idea they would be able to charge over 550 % interest. I do not live on their reservation, but they say that they do not follow federal or my state laws, that I am subject to their tribal laws. Please help me address my concerns about this lender and reach a resolution that is legal and fair.
10/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 617XX
Web Older American, Servicemember
On XX/XX/2018, I applied and received a short term loan from BigPictureLoans.com in the amount of {$1000.00}. On XX/XX/2018, I called XXXX to pay the loan off. Because it was within their so-called grace period, I was quoted {$1000.00} as the payoff. I was told the conversation was being recorded. They were to debit my bank checking account as of XX/XX/2018. I checked my account several times and the monies had not been debited. On XX/XX/2018, I called to inquire why it hadnt paid off yet. I was told that my recording of payoff on XX/XX/2018 was recorded with an incorrect date. They informed me that they tried to contact me of the error. My phone records and voice mails show no such effort to contact me. I said no matter, I called on XX/XX/XXXX and the payment should be honored. XXXX XXXX loans said no and my new payoff was with interest. I asked to speak to the customer reps. Supervisor. A lady named XXXX claimed she was a supervisor, though, I doubted she was. I insisted she send my complaint to her supervisors and she informed me that someone would call me for sure, the next day. No one called. My husband didnt trust them and told me to go online to make the payoff even though I would have to pay interest AND we would have a paper trail. On XXXX at XXXX I requested a payoff on their website. THE ONLY OPTION I WAS GIVEN WAS A PAYOFF DATE OF XX/XX/XXXX!!! So I requested payoff on XXXX, yet, no option online unless I paid more interest until they deemed ok to payoff on XX/XX/2018, a full several days later. Myhusband told me to pay because they will keep screwing us, so I did. These people prey on people. I am a XXXX XXXX who is struggling to keep clean. They count on that. Their practices are deceitful and leave very little recourse in dealing with them. Please help.
03/14/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WI
  • 54313
Web Servicemember
Is there anybody in Wisconsin or Michigan that can assist me with this? Is Big Picture Loans even licensed and/or allowed to conduct payday loans in Wisconsin? How can they get away with this? On XX/XX/XXXX I filed a Wisconsin Chapter XXXX Debt Amortization and included this account in the action for {$1100.00}. They counter claimed that I owe them {$1300.00} I am trying to adjust the amount to what I feel would have been owed on XX/XX/XXXX when I tried my best to pay the loan off in full and they refused to accept it - XX/XX/XXXX {$1000.00} BALANCE Or maybe remove them from the Chapter XXXX filing altogether is there anybody that can assist w/ this to provide guidance? Thank you, XXXX XXXX XXXX XXXX SUMMARY XX/XX/XXXX {$2200.00} deposited to my bank XX/XX/XXXX {$1500.00} electronically paid on account XX/XX/XXXX my email inquiry on options to repay balance ( recd NO REPLY ) XX/XX/XXXX my email inquiry request for payoff amount for XX/XX/XXXX ( recd NO REPLY ) XX/XX/XXXX my email request payoff amount ( recd NO REPLY ) XX/XX/XXXX my email request for BPL to please respond to my multiple requests ( recd NO REPLY ) XX/XX/XXXX my email request for a response and payoff w/ breakdown ( recd NO REPLY ) XX/XX/XXXX my email request offered {$1000.00} to payoff in full ( recd NO REPLY ) XX/XX/XXXX my email request copy of loan papers ( recd NO REPLY ) XX/XX/XXXX my email request to cancel request of loan papers ( recd NO REPLY ) XX/XX/XXXX me phoned in to support, spoke w/ XXXX who promised they would phone me back ( NEVER RECD CALL BACK ) XX/XX/XXXX my email sent requesting phone call back as never recd ( recd NO REPLY ) XX/XX/XXXX my email below to which I recd NO REPLY CC : Consumer Product Safety Commission by way of webform Consumer Protection Financial Bureau by way of webform
02/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • OR
  • 97116
Web
Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above. I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.
09/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 44035
Web
I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. XXXX XXXX XXXX XXXX : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person. ( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 541.21 % The amount financed : {$800.00} 28 % on top of {$800.00} = {$1000.00} https : //www.ustatesloans.org/law/oh/ # : ~ : text=According % 20to % 20Ohio % 20state % 20law, at % 20a % 20time % 20is % 20allowed. According to Ohio state law, payday lending is legal. Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. Please reach out promptly.
04/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98092
Web
I received a {$1000.00} loan onXX/XX/19 from Big Picture loans. I have made three payments of {$170.00} onXX/XX/19,XX/XX/19 and XX/XX/19. My principal balance as of today is {$1000.00} - MORE than borrowed in the first place and that's after three payments! I began looking into it and I was informed that Big Picture Loans is not licensed to conduct business or offer loans in my State and that the fees and interests are not within requirements for Washington State lenders. Per the Washington State Department of Financial Institutions ( DFI ), Washington State residents are informed that Washing State law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. I contacted Big Picture Loans on XX/XX/ revoking ACH authorization and also contacted them againXX/XX/19 notifying them that they are not licensed in my State. I advised that I am willing to repay the principal balance of the original loan amount. Noting that with three payments of {$170.00} already made, I had paid {$530.00} leaving a balance of {$460.00} which I am willing to pay in one sum on XX/XX/XXXX. The company responded to this with the following " settlement offer '' : Settlement Offer Current Amount Due : {$1000.00} Number of settlement payments : 8 Settlement Payment Schedule : {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 Payment Method : ACH This is still paying back far more that loaned at fees/interest that are unacceptable and not legal through the State in which I reside and whose laws I am bound to in addition to federal laws.
05/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98372
Web Servicemember
On XX/XX/XXXX I went to Bigpictureloans.com after weeks of getting harassing phone calls because my loan payment dates was changed after I signed the contract and agreed to a Settlement of the amount I borrowed ( {$800.00} ), they also agreed. I agreed to pay {$400.00} on XX/XX/XXXX and {$400.00} on XX/XX/XXXX in which I did and did not miss a single payment. After that I get a letter saying that I still owe {$310.00}. I called and talked with a representative that was unfriendly and didn't want to hear anything I had to say and kept saying that it was not a settlement but just an agreement that I went online and set up myself and it was just a payment plan. I asked to speak to a supervisor but the same lady I was talking to put me on hold then pretended like she was the supervisor so I knew something was wrong so I ended the call. I sent an e-mail to XXXX on XX/XX/XXXX and told them what happened and provided a copy of the paperwork that says Payment Settlement Plan and the support team said the same thing.I did some research and found out they are not licensed to buisness in the State of Washington in which I reside.In the e-mail they want me to agree to a Settlement Plan to pay the interest " We have processed those payments, but the remaining {$310.00} is still outstanding. In an effort to help you in this time of need, we will agree to settle your account for the amount and payment schedule below. This will prevent your loan from accruing additional interest..Settlement Offer-Number of settlement payments : 2-Settlement Payment Schedule : Date Payment Amt XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Payment Type : ACH Isn't that ironic, they didn't honor the 1st Settlement now they are trying to offer me another one for the Interest that I supposedly owe.
06/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 34785
Web
When I applied for this payday loan through this company I was approved for XXXX. The loan was for my school fees and supplies. I was told that I would have to XXXX and that includes interest and the first payment towards my interest. I was fine with that so I proceed with the loan. When I went in to sign my documents I notice that I could not see the payment schedule or the interest rate sheet. I signed all of my documents and I received the funds. When It was time for the first payment, I payed everything. So I thought everything was okay. The next month they tried to process another payment on a different date, it was rejected because of lack of funds and received and overdraft charge. After this I logged into my account through them and found out that my amount had not went down, but it increase to XXXX. I contacted the company and I asked them why where they doing this, why has n't my principle decreased and Why is my payback amount is so much. I was told because of the interest. I told her that it was unacceptable, and I was not told that information. I asked the customer service representative that I want to speak with the manager. She transferred me, I waited for two and a half hours waiting for the manager. I hung up and called back and explained again, I received the same respond but this time they hung up the phone. I tired to called back on a later date so I can try to work out this issue with them. I explained to them that I am in XXXX school and my hours have been cut down because of the high demand of the program. I told them that I could pay a lower amount do that this issue can be resolved but I was met with threats of lawsuits and jail time. I just want this issue resolved and this stress off my back. This was the worst mistake of my life.
04/29/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • CA
  • 94801
Web
My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX
09/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 318XX
Web
I received a payday/installment loan from Big Picture Loans on XXXX18 in the amount of {$1500.00} ; which was instantly deposited into my checking account. I was not able to fully and completely review The Truth in Lending Disclosures until after acceptance of the loan- BIG mistake. It showed an APR of 474.8487 % ; and the total amount due for the original {$1500.00} loan would total {$7800.00}. I have contacted the company several times to discuss not being able to make these payments and about the extraordinary high APR fees. One representative told me that they will " defer '' a payment for me in order to " catch back up '' ; but that would also incur interest on a daily basis on the total amount due. Another time I spoke with a representative and discussed not being able to pay any further payments and I was told/threatened that if I stopped the automatic payments from being taken from my checking account then they will issue a " remote check '' to withdrawal the entire amount owed. I have made the following payments of {$300.00} : XXXX18, XXXX-18, XXXX-18, XXXX-XXXX-18, XXXX18, XXXX18 for a total of {$1800.00}. I have paid more than what was originally borrowed. I am financially no longer able to sustain these payments and have tried working with Big Picture Loans to no avail- all they have done is postponed payments, adding additional interest to an amount I already can not pay. If you can assist with having this account closed with Big Picture Loans- I will greatly appreciate it. I would just like this account to be closed and considered paid in full and no further withdrawals from my checking account. Thank you so much for your assistance. Big Picture Loans contact info : XXXX XXXX XXXX XXXX, MI XXXX XXXX
05/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WA
  • 98006
Web
My issue is that I shouldn't have received loan offers in the mail, nor be engaged. I was desperate for a short-term loan but I needed a little more than 200 or {$300.00}. Big picture loans had been soliciting to me via the post mail for several months and my husband was going out of the country. The interest was ridiculous, but we had a plan.. I would use my XXXX bonus check to pay off the loan early. Unfortunately, we got unexpected expenses while my husband was traveling and I could not pay it off. I could not get a big enough tax refund to pay it off. After seeing how much money I have paid I started to feel like I was almost done paying it off but I have barely paid anything towards principal. XX/XX/XXXX I received {$920.00} loan and as of XX/XX/XXXX I have paid XXXX for interest and {$26.00} for principle. I knew this was a huge rip-off but because they are a tribal based company I felt like I made a deal with the XXXX and that they could legally rip people off if they wanted to. I started researching the company and seeing if there were any class actions against them that I could sign up for because I was tired of paying so much money just towards interest. Well I found this company is not legally license to operate and loans to Washington State residents. I was being solicited to, at my Washington state home, since early XX/XX/XXXX. Washington State Department of Financial Institutions states that this company 's loan can not be enforced and all interest paid or fees paid must be refunded ( https : //dfi.wa.gov/XXXX ) I am distraught at how much I have paid in 7 months, unaware that this company is not only charging sky high interest, but misleading me into thinking that they are above the law.
04/15/2016 No
  • Payday loan
  • Charged bank acct wrong day or amt
  • LA
  • 70094
Web
Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help
03/16/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93550
Web Older American
On Friday, XXXX/XXXX/XXXX at XXXX XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for XXXX XXXX XXXX informed me that her client was Castle Payday Loans ( now Big Picture Loan XXXX ). I owed {$2000.00} account # XXXX. I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. On Monday, XXXX/XXXX/XXXX at XXXX XXXX I contacted Castle Payday Loans ( now Big Picture Loan ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, Castle Payday Loan still had my account on record. I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. I left a voice message on XXXX XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX AM PST. I female representative for XXXX called my cellphone from a Restricted # at XXXX AM PST on Monday, XXXX/XXXX/XXXX. She informed me that my account was turned over ( I suspect sold ) to XXXX XXXX Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. Is n't there some kind of legislation/statue/law against this type of business practice? Please, investigate and advise me? I do n't what to be scammed.
11/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33138
Web
On the XX/XX/2018 I communicated and setup a payment to payoff the balance of a loan created with the XXXX called, Bigpictureloans, and was informed the total amount to payoff my outstanding balance of {$630.00} including interest and principal. The payment of {$630.00} was schedule XXXX XXXX, XXXX and was informed that the amount will be drafted out of my account on XX/XX/2018. The amount was reflected as stated and the {$630.00} was debited from my account. I, then received a call, from bigpictureloan stating that they were attempting to collect a debt of an amount of {$120.00}. I told them, I am stopping the communication and will transfer all information about there company to be reviewed, to authenticate their account practice. I am filing this complaint to prevent any further attempt to diminishing effect in a case to resolve their act on me or any other consumers who may potentially fall prey to this accounting tactic. I was told a total payoff amount and quoted to be paid in full and was confirmed by bigpictureloan. I don't like a fact being said and not granted, any disclosure about a past due amount must be included into a total payoff balance, when I or any customer, should ask for a total amount to payout and close their account must be honored. A failure on the system of bigpictureloan accountancy is a violation and should be fined and ceased until corrected and must be fixed. People should be granted the Right to pay off everything when they ask for it, transparently in all financial system of accountancy. If they have multiple incident of this act of closing by multiple consumer of bigpictureloan. The Consumer should have restitution because they may be in breach of trust.
05/24/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • TX
  • 75063
Web
Originally when I got the loan the agent XXXX did n't disclose the payment agreement correctly, she asked how would I like to pay the loan, interest only or paid in full, I said paid in full on the first due date. The company withdrew only finance charges On the due date and then again 2 weeks later costing me {$140.00} more. Then I called to ask why this happened the new agent explained that I was supposed to call back and confirmed after reading notes that the first agent never advised me of this in the first call and upon initial agreement of the repayment setup. She also stated she was sorry and she could help me by taking the full payment today for the total amount due, again with the finance charge a third time. When I asked her if this was her solution after researching and finding the XXXX agent was incorrect in the information given to me upon setup, and she stated yes. And I advised her I would be filing a complaint with CFPB, so she adviced she could Extend my due date to allow me more time, but never did she offer anything to reduce the cost of my fees or the amount of money the company was making off of their mistake. I do feel this was misleading and fraudulent to not give full disclosure of their policy and conveniently raising their profit. I also had attempted to change the payment amount online once before the XXXX withdrawal but the XXXX agent # XXXX, claimed it did n't take and I now have to pay a third time fee of {$140.00}. This {$400.00} loan has cost me {$820.00} due to their lack of disclosing all information. I have scheduled the full payment of {$540.00} to withdraw from my account on XXXX/XXXX/2016 and they are not authorized to take a penny more.
02/27/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IA
  • 501XX
Web
Here is a detailed description of the issue. First, I never recieved confirmation of the loan, the payments expected, or the like. I had to contact them to get this information. I felt it was too expensive so I did what I could to solve my issue. On XX/XX/XXXX, I checked my online account with big picture loans. The payoff was listed as {$660.00}. I called and was quoted a payoff of just under {$630.00}. I recorded the authorisation to debit my account and pay this balance. About half an hour later, I recieve a voicemail to call big picture customer service. I called and was told I had been given the incorrect amount and my payoff amount was actually just under {$670.00}. I protested and was told, " sorry, the previous representative was in error ''. I asked why the online amount was different. I was told it was old information. I requested a supervisor. The supervisor insisted that the payoff was correct at just under {$670.00}. I told him it was extortion. In the end, to terminate the issue, I had to record a second authorization for the withdrawal of their " corrected '' balance. I made it clear that I felt this was wrong and only did so to end the matter. After the call, I returned to the website. Their " correct '' payoff balance still does not show. I 've trained a screenshot of the website that I accessed after this phone conversation. Upon advising the company that I was escalating my comlaint through consumer channels, I was told by big picture that the payoff was stopped and the matter would be investigated. However the withdrawal of {$670.00} processed out of my account on XX/XX/2017. I hope you can help me make sure others dunt face this challenge.
02/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89031
Web
I have a loan for {$1000.00} taken out in XX/XX/XXXX. I have paid six bi-weekly payments of {$220.00}, totally {$1300.00}. Plus an additional payment of {$220.00} that was recently taken despite the fact it was unauthorized ( more about that below ), making it a total of {$1500.00}. To date, the total amount I have paid ( which is {$540.00} more than the loan ) has gone towards interest only. In understand I took this loan, but the APR of 545.6883 % was not made known to me until after the loan was being funded. At a minimum, if I pay off this loan today, I will be paying a total of {$2600.00} for a {$1000.00} loan. I feel as though I have mislead and taken advantage of by Big Picture charging this exorbitant amount of interest, and failing to disclose the extremely high rate until after the loan was processed. I sent an email requesting to resolve this issue in an amicable manner, and revoking my prior ACH authorization, on XX/XX/XXXX. I followed up on XX/XX/XXXX, with a phone call to ask when I would receive a response and, again, revoking my ACH authorization. The customer service rep assured me that no further ACH transactions would be taken from my account, and that I would hear back shortly from the escalation team regarding my email. To date, I have not received correspondence back and Big Picture Loans processed an ACH transaction on XX/XX/XXXX. Furthermore, I don't believe this company is licensed to do business in my home state of Nevada. While I would like to resolve this issue, Big Picture Loans has been unresponsive and has blatantly ignored my requests by taking an ACH that was no longer authorized.
10/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32835
Web
I have been having trouble coming up with the weekly payments on the loan, which are {$270.00} bi-weekly, but managed to have the money in the account ready for the withdrawal date. I originally applied for this loan at Big Picture Loans because I kept getting bombarded with mail about their low fees and the convenience. I found myself strapped on cash for rent and decided to apply for the loan. They sent me an e-mail congratulating me for being approved for {$1500.00}. After making a total of 5 payments on time, a total amount of {$1300.00}, I called the company to let them know my financial situation is not getting better and that my job is actually cutting hours, to which I have payroll statements for proof. They let me know that out of the {$1500.00} that I had originally borrowed that I owed {$1500.00} and that the {$1300.00} that I had paid so far was all in interest. Therefore that for {$1500.00} loan I was going to end up paying over {$4000.00}! The company was very deceiving when continuously to bombard me with mail and making it it seen that it was a viable option for a low income family like mine. Those kind of loans should never be offered, neither approved, to someone who is making {$300.00} checks minus deductions. I want to pay the balance due on the original money borrowed and shouldnt be charge those high interest fees when Big Picture Loans was constantly pursuing a client that clearly did not qualify to get that kind of loan. I am a single mother with XXXX children ages XXXX, XXXX, and XXXX and that loan would only bring my family to be even lower on the poverty level. Please help.
01/17/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60563
Web Older American
Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
04/01/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60156
Web
I took out a loan for {$800.00}. I was told there was a finance charge of {$280.00}. Every time a deduction was made from my checking account the amount was always {$280.00}. I logged into my online account to check on my loan and saw that there was no payment history recorded, and every time a payment was made a new loan was issued taking the initial {$280.00} fee. I paid {$1100.00} over several weeks and never paid anything down on the original loan. I contacted Castle Payday via email asking if there was something wrong with the account and why the original loan was never being paid on and why every time a payment was made it was being treated like a new loan was taken out and never had a response. The website is unclear about how much will be paid in interest and fees on a loan. Also the online site does not give a full account history after payments are made. Castle Payday hides the fact that you will never make headway on the loan and by not giving someone their payment history they can not see that they are not making progress on paying down the loan. Now I have paid in more money than the loan was issued for and never even got any of the principle paid. The original loan was taken out XX/XX/2015. First payment was XX/XX/XXXX. I have an image I will attach with this complaint that shows that Castle Payday was issuing a new loan in my name after every payment. On XX/XX/XXXX, I logged in and took a screen shot of my account. It says I took out a new loan which I did not do and never shows any payments toward my loan. They are now known as XXXX XXXX.
12/22/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • NV
  • 89147
Web Older American, Servicemember
On XXXX/XXXX/2015, I obtained a payday loan for {$400.00}. Starting on XXXX/XXXX/2015, I have been paying back on the loan in the amount of {$100.00} each month. XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} The above payments totaling {$400.00} have been ACH debited from my checking account to repay the payday loan. As of XXXX/XXXX/2015, my payday loan account information on the www.castlepaydayloan.com website is showing an outstanding balance of {$20.00} that still needs to be paid towards the payday loan. When I contacted Castle Payday Loans customer service department on XXXX/XXXX/2015, to pay the remaining {$20.00} owed on the payday loan, I was advised that I still needed to pay {$520.00} towards the payday loan because the {$100.00} payments I have been making every month have only been applied towards interest and finance charges, according to Castle PayDay Loan 's customer service department. I asked to speak to a superviser regarding my account and was transferred to a superviser named XXXX, who advised me that I have not paid towards the payday loan and that the {$400.00} I have paid so far was only for interest on the loan. That is crazy and I do not understand how much money Castle PayDay Loans is expecting me to pay back for a payday loan of {$400.00}. None of their customer service representatives or supervisers can explain it to me to where it makes sense and so that I can understand. I want them to stop ACH debiting my checking account, but they will not.
07/19/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20746
Web Older American
I applied online for a payday loan on XX/XX/2016 with Big Picture Loans : bigpictureloans.com ( aka Red Rock Lending, Castle Payday which I found out after the fact ). Their address is XXXX, XXXX, MI XXXX.The loan was for {$400.00} with a finance charge of {$200.00} which I agreed to, feeling it was a little high, but I needed the money and I thought it was a one-time fee. I had no idea that this loan was going to cost me over {$2000.00} to pay off until after I signed off on it, otherwise I would never have agreed to such a ripoff. Please tell me this ca n't be legal. I was told by one of Big Picture Loans employees that they were under tribal law and were not governed by regular laws of the States. I agreed and signed the loan, which was deposited into my account on XX/XX/2016. I found out later, when emailed the remaining paperwork showing apr, and scheduled payments, that the total finance charge is {$1900.00} and the total payments would be {$2300.00} ON A {$400.00} LOAN!!. is this not loan sharking? Usury? The APR is XXXX %. I called and questioned it and was told that I was exactly right in my understanding of the charges. Please, please can you help me with this scam? I did receive the {$400.00} loan which I should be responsible for, and the first payment of {$200.00} was made on XX/XX/2016, but the remaining amount is something I did not expect or would have agreed to pay for. I am a XXXX year old woman whose income is very low and I am very upset about this situation. Please let me here from you soon. Thank you very much.
04/12/2017 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 983XX
Web
Getting multiple calls a day from a company who claims to be representing Castle Payday loans. They call from XXXX. They indicate I owe them {$1500.00} and are threatening legal action. They indicate the loan was from XX/XX/2015. I told her I do not remember taking a loan like this and asked them to provide proof the debt is mine and they indicate they can not do that unless I pay money for a " conditional release letter '' and demand that I set up payment arrangements to pay the {$1500.00} back. I told her I was not going to pay anything and I asked her to provide me the number to who they claim is the original creditor and she said she ca n't because that would be a conflict of interest because they were hired to " deal '' with me. They are calling my ex-husband, as well as several family members. I asked them to mail me proof the debt is mine and she said the fact that she has all of my information is proof enough. I asked her to stop contacting family members immediately and provide me the proof I am asking for. She told me they were not going to stop until it was paid. When I refused to set up payment arrangements she threatened me with jail time ; told me she pulled my credit and saw there was no identity theft indications and also that they pulled police records on my name and were able to determine I never filed a police report that my identity was stolen. She was screaming at me that I need to obtain a good lawyer because I will pay. Additionally ; they had my maiden name, XXXX. Not my current name of XXXX.
01/06/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74135
Web
This is in reference to Case Number # XXXX. I am adding additional information to my previous case. I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective immediately.After no response for 2 days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with BIG Picture Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. This company is Red Rock Lending, It goes and has gone under multiple names, Castle Payday, and has now changed its name to Big Picture Loans. Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX, MI XXXX Please help me resolve this issue.
06/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 601XX
Web
On or around XXXX/XXXX/15, I receive a loan from Castle Payday ( XXXX ) in the amount of {$500.00}. I was informed that if I paid this loan off by XXXX, my total amount to pay off would be {$670.00}, to which I agreed. On XXXX, I called to ensure that the loan plus interest would be paid off in full ( {$500.00} + XXXX ). When I called, the rep informed me that the systems were down and he would call me back to complete the transaction. I did n't receive a callback so I assumed that everything was taken care of. On XXXX, I noticed that only {$170.00} was taken out of my account so I called to find out what happened. They informed me that the rep tried calling me back, but he could not get a hold of me. I do not have any missed calls of any sort of Castle Payday trying to call me back. At any rate, she stated that {$500.00} would immediately be taken from my account so that no further interest would be charged and my account would be paid in full. To my surprise, when I check my account the very next day I see {$670.00} was taken out. I call Castle Payday and they informed me that a manager would be calling me back to confirm that I would be credited back {$170.00}. Which brings us to today ... I called my bank to dispute this and after being on the phone with my bank and Castle Payday, the bank agreed to charge back {$170.00} to Castle Payday, which of course is pending, and totally agreed that charging {$350.00} on a {$500.00} loan that was paid off in less than a month is BEYOND predatory!
06/27/2019 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60302
Web
I received a call from a debt collector called XXXX XXXX saying I owed a debt for a loan. They said I had an online payday loan with Castle Payday ( now called BigPictureLoans ). I do not recall opening this loan and the account it was connected to is an old bank account that was closed. I also looked up XXXX XXXX and did not find information on a debt collector under their name. I called back and asked if they had a website and they said it was XXXX which is a simple site with very little information on the company and just their phone number. When I looked up the address listed on their website, it said it was the address of the United States Postal Services. I am wondering if this company is legit and if they are authorized to collect debt. They do not even have an official address. I would like to see their license number. They said I had to make a payment or I would be sued. They said they tried to collect money from my previous job. They did say they would send me verification of the Castle loan account by email, but I never received an email with verification from them. XXXX XXXX could not verify the date the account was opened which makes me think they do not have proper information about this account. They had my old email address on file which I no longer have access to. When I entered my email on the loan website, it said nothing existed. When I called Big Picture Loans, they said I applied for a loan in the amount of {$1500.00} on XX/XX/18, but there was no current loan.
04/06/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 31405
Web Older American
I got a XXXX payday loan from Castle Pay Day Loans. I was told it would be XXXX a month and it would be XXXX to pay it back. When they took my XXXX payment out of my account they charged me XXXX. I am on fixed income and this could have caused an overdraft if I had not seen it in time. When I contacted them they told me the XXXX was bi-weekly. They did not tell me that when I got the loan. And when i looked at the info on the website, they are showing that i will be paying them XXXX over a period of XXXX mos. It is showing XXXX pymts of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX,, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, and XXXX pymt of XXXX. I was never, never told it would take me XXXX months to pay this off and that it was going to cost me XXXX to borrow XXXX or I would never have borrowed it. When I called and asked them why they took out XXXX instead of XXXX, they told me that the XXXX was biweekly and that I had opted for monthly. Well, when I spoke with them they told me more than XXXX it would only be XXXX and if I wanted more taken out I should call 3 days before pymt due. So i did n't call because all i wanted them to take was the XXXX. They also said that i could pay it off for XXXX before my next due date of XXXX XXXX, 2015. So on top of the XXXX already given to them, they want me to still give them XXXX. That is totally unacceptable as well!!! I have also filed a complaint with BBB but wanted to file with you as well.
08/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 342XX
Web
I received a letter in the mail from Big Picture Loans stating I was pre-approved for a {$800.00} loan. I logged on and applied for the loan. Although a statement appeared stating this was a " very expensive way to borrow money '' before I clicked to accept, I was not able to view the interest rate or total payments due until after I had received the funds in my account. Once the funds were received, I saw that the interest rate being charged was 637.9945 % bringing the interest owed to {$3800.00} in addition to the original {$800.00} borrowed. In addition, the loan stated that it would be paid off in 20 payments. However, until I agreed I did n't realize they would be deducting two payments of {$230.00} each from my checking account, for a total of {$460.00} being deducted each month. This is creating a great hardship in paying my monthly bills, such as my rent, electricity, etc. I have so far made three payments of {$230.00} each. The loan principal is untouched although I have paid {$690.00}. I have no problem paying the {$800.00} I owe, plus a reasonable amount of interest. But 637.9945 % or {$3800.00} for a {$800.00} loan is unconscionable. I regret ever clicking on their website. I should have just thrown that offer in the trash and I urge others Do Not Do Business with this company. But they prey on people that are strapped for cash. And the full amounts were not disclosed until after the funds were received. I would greatly appreciate any assistance. Thank you.
01/15/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 94587
Web
I made the mistake of taking out a {$1000.00} loan with this company under the impression that I would only incur {$350.00} in finance charges. That my first payment would essentially be my finance charge and that all subsequent payments following would be towards the principle. I thought the government regulated the limits a company can impose finance charges to protect U.S. citizen consumers from foreign financial scams. After my most recent payment is when I was alerted to this. I have made payments totaling {$1400.00} already and have n't even touched the principle according to there information. This is unlawful and illegal for this company while on U.S. soil to operate and defraud U.S. citizens out of money. I will continue to pursue making this practice illegal by contacting my districts congressional office and senate until this matter is resolved. Its unfair that BigPictureLoans is allowed to word and market there product in a way that preys on people desperate for a quick loan. As the great grandson of a XXXX XXXX member, I am more than sympathetic regarding the mistreatment and unethical treatment of our XXXX through the history of the United States and I stood in spirit along with those at 'XXXX '. However, this is where I draw the line on the legal things XXXX can do via XXXX that cant be done elsewhere in the continental United States. If its illegal for foreign countries to prey on our consumers financially, then that should stretch domestically.
05/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48141
Web
I applied for a loan for {$400.00} from Bigpictureloans.com. At first, I thought it was a typical payday loan and that I would have to pay up the balance in installments every other week. When the loan was approved I read details on screen that the fee for processing the loan was only {$34.00} with a total of {$430.00} to be paid biweekly until the total was paid in full. I received a notice that I received approval for {$1000.00} which was perplexing because I did n't ask for that amount. I then received the {$400.00} which was deposited in my checking account, but with no notice of loan agreement details. I finally received the loan details after I logged into my Bigpictureloans account. The agreement was confusing and stated that I had 20 installment payments that would finally end on XX/XX/2017. The payments started off at {$140.00} with a grand total of {$2200.00} resulting in a finance fee of {$1800.00}. When I finally got a chance to call them they stated that the payment that had just processed would not post to the principal balance and was just to cover finance fees unless I paid the full amount of the loan plus the finance fee which they considered some type of " buy-out ''. Bigpicture would continue assessing and charging the finance fee until I did this considered buy-out of the loan. They would not post any payments that I made to the account until the final amount had been paid. The interest on the loan totaled a whopping 784.7312 %.
09/17/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 32583
Web
I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.
11/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74133
Web
Hello my name is XXXX XXXX and I am writing in regards to the company known as Big Picture Loans. On XXXX XXXX I was approved for a loan that was set for XXXX dollars. Upon receiving the loans I was told by the representative via phone that there would be a charge finance charge in the amount of XXXX but I still took the loan. After accepting the loan that I noticed that my first payment was more than what I was told over the phone. So of course I contacted them but they were no help at all. I was placed on hold numerous times only to be let down after every hold. So I reviewed the email that they sent regarding my loan after I was approved and reviewed the truth in lending disclosure ( in which by the way I had no idea about upon receiving my funds ) The APR of the loan was 989.1897 % with a finance charge of {$6000.00} ... .Also stating my payments would be XXXX after paying off the loan. I was extremely confused as to why this information was not given to me before I accepted and I have only made one payment. But I am for sure that with an APR that high that this is illegal. I would not have had a problem paying off the loan amount had it not been XXXX XXXX dollars but I am even more upset because I was lied to and information was hidden from me before accepting. Please look into this company because it seems like a major scam and I am hoping that you all can help me get this issue resolved. Thank you so much for your time and have a good day.
05/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OK
  • 730XX
Web
I took a loan out from Big Picture loans out of pure desperation. When I accepted the loan it appeared that I would have to pay back the {$600.00} I originally borrowed and a {$210.00} finance charge. Today I thought I was making my last payment but when I logged on it said I had another payment due on XX/XX/XXXX. I called the company and basically all they could tell me is that I have yet to pay on my principal balance and I am paying the {$210.00} finance fee over and over. They offered to settle with me which leads me to believe that they do this often and I am not the only one that finds the terms of this loan misleading. The first settlement offer was for the {$810.00} which is the original {$600.00} I borrowed plus the {$210.00} fiance fee, I said no that does n't work and they offered to lower it to {$600.00} and I again said I could not do that and they offered to settle for {$360.00}. After digging around on the confusing and misleading website, I found that they are charging me 967.591 % interest. That means I owe them around {$3600.00}! The XXXX different women I talked to when I called never mentioned anything about interest, only kept referencing the {$210.00} finance fee that I have paid 4 times now. I understand that they have a business to run and families to feed but this is ridiculous. They are taking advantage of people desperate to make ends meet. I feel totally bamboozled and ripped off. I have no idea what I am going to do.
10/03/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • VA
  • 23831
Web
I submitted request to stop ACH transactions from my account on XXXX XXXX, 2015 and XXXX XXXX, 2015 to the customer service departmentdepartment and ACH department of Castle Payday per the directions on the loan application. On XXXX/XXXX/2015 they performed a debit on my account. When I called customer service they stated they did n't receive it first, then they said they received it " today '' ( XXXX/XXXX/15 ) which not adequate time to process. When I explained that I sent multiple correspondence to multiple customer service accounts, they had a " supervisor '' call back to investigate the matter. On XXXX/XXXX/15 they called me to say that they did receive the information, but their department was delayed in processing the request. I advised them that I can not be penalized for their error. They then stated that records indicated that they did have it, after I threatened action against them by filing a complaint with my bank. They stated that they will refund the bank after contacting my bank to review the transaction history, to see if I incurred any overdraft fees, and to see what transactions I had on my account. I submitted them a ledger of my account showing the transaction and advised them they do not have to contact my bank for my personal financial information and they are only obligated to see their transaction summary. They have not reversed the funds. I will be filing an Affidavit with XXXX XXXX. Bank info : XXXX XXXX, Virginia
01/30/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • GA
  • 30311
Web
I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.
06/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SD
  • 573XX
Web
I applied for a short term loan on XX/XX/XXXX through an online website for Big Picture Loans. I did not receive any details about the loan but the money was credited for {$1200.00}. I am still not able to view the online loan agreement and have requested but never received any copy. I requested that Big Picture Loans revoke my ACH agreement and that my payments of {$980.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. The online account screen shows I still owe 4 more payments of {$490.00}. That would make a total repayment {$2900.00}. That is nowhere close to the cap of 36 % I expected. I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/XXXX along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 490 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I do not live on the reservation in Michigan, I am a resident of XX/XX/XXXX I had no idea they would be able to charge almost 500 % interest. Is that legal anywhere? Please help me address my concerns about this lender and reach a resolution that is legal and fair.
12/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33884
Web
This loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of {$500.00}. I have since revoked my ACH ( too early to know if they will abide ). Also, I have advised them that the legal amount that could have been charged to my loan is the principal amount, even IF their Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this means I am entitled to a refund of any interest I paid on all loans with your company. This means all of the following loans from the past : For example : **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$1000.00} and have paid {$580.00} to date. **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1200.00} to the loan, so you owe me {$450.00}. **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1000.00} to the loan, so you owe me {$200.00}. **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$750.00} and have paid {$1000.00} to the loan, so you owe me {$260.00}. - for the loans from XXXX/XXXX/16 to today alone, you owe me {$500.00} back in overpaid interest ( what I overpaid in past loans less what I owe on the current loan ) t!!!!!! This does not include all principal for loans over {$500.00} ( as that is the maximum allowed in Florida )
03/02/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55076
Web
I took out a loan for {$1000.00} from Big Picture Loans on XX/XX/XXXX. I was told my first payment would be {$350.00} and my payments would go down after that. I had no idea the interest rate was so high, and after paying {$700.00} to this company, I sent an email to Big picture loans on XX/XX/XXXX stating that I was facing financial difficulties and would like to work out a more affordable payment plan. I never received a response, and when I attempted to reach them via phone, I was only put on hold and no one answered my call, despite their claim that they 're available 24/7. Because I could not contact them, I stopped payment on the next {$350.00} withdrawal and again attempted to contact them via phone, to no avail. On XX/XX/XXXX, I sent them another email stating that I had missed my previous payment due to financial hardship, and that I wanted to work out a payment plan and had paid {$700.00} already, but again, no response save for an automated email which directed me to call if I had n't heard back from them. Again, could not get a real person. I realize that this is a debt I owe, but I feel I was misled regarding the payment amounts and am frustrated with the lack of ability to communicate with this company. I am also unable to look at anything regarding my account online because it is past due, so I ca n't view the disclosures at all. This company is predatory and unreliable.
02/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01945
Web
I applied online and was approved for a { {$1000.00} } loan from Big Picture Loans formerly known as XXXX on XX/XX/XXXX. At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of { {$350.00} } to be included to the amount borrowed and had no problem paying what I believed was a one-time fee. I realize now I have been scammed, and in fear of losing thousands of dollars to these people. I was never disclosed at the time of accepting the loan that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. They have been bleeding my banking account for month 's to a total of {$1700.00} at a rate of { {$700.00} } per month and are stating that I still owe then {$1700.00} satisfy this original { {$1000.00} } loan. { {$8000.00} } for a { {$1000.00} } loan, @ XXXX % Really!! These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. I called them today XX/XX/XXXX and told them I wanted to pay off the remaining {$1700.00} and I am really upset and want these people shut down because for a {$1000.00} loan I had to pay {$3000.00} in XXXX months of interest which is highway robbery!
06/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92656
Web
Unfortunately, I was in a position that I needed to take out a pay day loan. Much to my dismay I took a loan out from a very unethical organization. This company is XXXX XXXX XXXX, It goes and has gone under multiple names, XXXX, and has now changed its name to Big Picture Loans. I took out a {$1400.00} loan with an 647.6971 % APR of and later discovered the " Truth and Lending '' disclosure after the fact. They are under the assumption that they are immune to the guidelines and laws of the Federal Government as they have tribal affiliation. This is simply not true. I literally thought I misread the agreement when they explained after I received the loan of {$1400.00} but the document reads that I received {$1500.00} and if I paid the XXXX payments the total cost would be {$14000.00}. It is unbelievable that a company can get away with literally robbing the consumer. It sheds a bad light on organizations that make themselves available to loan money when you really need it. However when you need money you have to ask yourself ... at what price ... {$1400.00} for {$14000.00}. XXXX. This is a crime and should not be allowed. The hard financial situation is bad enough but that coupled with taking a loan from an organization that is taking more than full advantage of the customer is outrageous and needs to be remedied. In addition they are not licensed in the state of California.
12/08/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32935
Web
I received a letter for a short term loan from a company called Castle Payday. Having been hit with unexpected expenses, I contacted them and received a loan in the amount of XXXX and was told that finance charges would total XXXX, though high, I accepted. The loan documents that I was able to view at that time did NOT show the " Truth in Lending Disclosure '' that is part of them now. that I would be making interest only payments totaling {$1500.00} plus the amount of the loan for a total payment amount of {$1800.00} for a {$350.00} loan. The practice is beyond deceptive and a quick check of this company online shows many victims in the same boat as I am. I am continuing to make payments as per the agreement ( which again I was told would have a finance charge of {$120.00} not {$15000.00} ) for fear of having my credit impacted. This is a deceptive loan practice and have learned by a quick search that I am far from the only person to have been scammed by these people. A quick search of the internet showed that even though they are a " Tribal '' lending ( and I use that term to be polite ) company, that the FTC has been granted authority to go after companies that engage in these practices. In any court, finding that a company is charging at finance charge of {$1500.00} for a {$350.00} loan totaling charges of {$1800.00} is, to the best of my knowledge, illegal.
06/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 441XX
Web Older American
BigPictureLoans set me up with a loan for {$200.00} starting on XX/XX/XXXX . This loan should have been paid off in a few months but instead it has accrued from XX/XX/XXXX payment of {$120.00}, to XX/XX/XXXX payment of {$120.00}, to XX/XX/XXXX , payment of {$120.00}, to XX/XX/XXXX payment of {$120.00}, to XX/XX/XXXX payment of {$120.00}, to to XX/XX/XXXX payment of {$170.00}. This shows that I have already overpaid them an amount of {$800.00} with a balance of {$300.00} to pay this loan off. This will put me at at least {$1100.00} if I pay the full {$300.00} that they show me still owing. I absolutely know that I should not have to pay anywhere near {$1100.00} for a loan of {$200.00}. This is Extortion, Gouging o r just a plain old Scam. I definitely need help with this scam/matter to get the extra money back that they have overcharged me if I can be helped in this manner. Please give me a call if you would care to do so at XXXX /home-line or XXXX /cell-phone.. You can also contact me by e-mail at XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX . my address is XXXX XXXX XXXX . XXXX XXXX XXXX XXXX Ohio, XXXX . The original name of this company is Redrock Tribal Lending, LL C d/b/a CastlePayday.com but changed to BigPictureLoans I will send copies of my online checking accout statements from XXXX . to the present time
08/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30058
Web
On XX/XX/2016, I was approved for a {$600.00} payday loan from bigpictureloans.com after receiving a solicitation email from the company. I fully intended to pay back the loan amount, as well as the finance fee of {$210.00}, well before the first payment due date. As that date approached, however, I realized that i would not be able to pay off the amount in it 's entirety before the first due date. In an attempt to arrange a later payment in the full amount, I contacted the loan company and was told initially that I could pay 2 weeks later and still only owe a total of {$810.00}. Despite this, I was also told that I could not set up a manual payment for that amount, but would be charged the finance fee of {$210.00} on the first payment due date, and that this amount would not be reflected in principal. Later in the same phone call I was told that since I had not made a first payment, no late arrangement could be made. I was only given the option to pay early, which of course, I could not do. Since then every pay period, the loan company has attempted to write checks against my account, which has put me in dire financial straits. To date, I 've paid a total of {$420.00} in finance fees alone as I became aware later that I was being charged a 700 % interest rate on my loan agreement, the details of i can not access on the company website any longer.
03/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29412
Web Servicemember
On XX/XX/XXXX, I paid my loan off in full over the phone with my debit card to the online loan company, Big Picture Loans. The amount debited my account successfully and no refunds of the amount were ever made back to my account. Then, on XX/XX/XXXX, I began receiving phone calls and texts from Big Picture Loans stating that the amount was never debited and that the amount had actually been credited back by the lender. In an attempt to resolve this, I contacted Big Picture Loans and asked the representative to initiate a 3-way call to my bank to verify that the amount had in fact been debited. This occurred on XX/XX/XXXX and the XXXX XXXX XXXX representative was able to successfully verify that the amount owed to Big Picture Loans had been successfully debited on XX/XX/XXXX and that no refunds in that amount had been processed back to my account between the dates of XX/XX/XXXX and XX/XX/XXXX, from any entity. The representative refused to believe that this information was accurate but stated that they would look into the matter further. Since then, the company has attempted to contact me multiple times via telephone and text in an attempt to collect the amount that they say is owed, despite having evidence that no debt exists, per XXXX XXXX XXXX. I repeatedly asked the representative to send me this information in writing but was ignored.
11/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 43613
Web
I applied for a short-term loan on XXXX/XXXX/16 and at the time of the loan I did not notice that the annual percentage rate is 607.3385 % and my total finance charge would equal {$3800.00}. My loan amount was only for a total of {$750.00}. I have had a total of XXXX payments of {$180.00} come out of my checking account. My payments are also made on a bi-weekly basis. I also found out that my {$750.00} loan will come out to be a total of {$4500.00}. After doing a bit of research, I found out that the annual percentage rate on this loan is much higher than the allowed annual percentage rate allowed to be charged to an individual. I was not aware of this until I began to do further research on this particular loan. I began to research this loan after I was attempting to get onto the Big Picture Loans website to see what I could do about making a late payment on my loan. My loan shows that it is through Big Picture Loan, LLC but is licensed through XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is operating pursuant to Tribal Law. I was not aware of the stipulations that are set forth for loan companies until now and I feel that this loan company has taken advantage of my needs by exposing me to an annual percentage rate that is astronomically over the allowed amount.
05/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33139
Web
Dear Madams, dear Sirs, I took a loan of {$200.00} with a fee of {$50.00}, in total {$250.00} from castle payday. I already paid {$50.00} on XX/XX/2015Yesterday I wanted to pay off the rest of the {$250.00} but was told they do n't take my credit card and I owe {$320.00}. When calling collections they told me that every XXXX weeks I will be charged a " Finance fee '', which I heard at that point for the first time. They said they would send an HS form so I can fill in my new bank account info ( I closed mine 1 week ago ), but never received that form. I sent XXXX emails to support @ castlepayday.com as advised from their collections department, but have not heard back from them. When signing up for my account I asked the representative XXXX if I will not be charged extra if I only pay {$50.00} bi-weekly and he said no, I will only be paying off the amount of {$250.00}. I told him that I could pay the full amount, but he said that wo n't be necessary. Last week I checked my balance and called, asked the woman on the phone why the XXXX payment of {$50.00} does not show deducted off my balance and she said : I should not worry cause I would not see that online. Believe me if I would have known I would have paid the full amount on XXXX XXXX. I want to pay it off and forget the whole nightmare already. Please help! Thank youXXXX
10/02/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33713
Web
I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.
10/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IN
  • 473XX
Web
Called Big Picture loans on XX/XX/XXXX to pay off loan in full. Principal Balance on account page states {$540.00}. However, The amount to pay the loan in full was {$810.00}. This loan was taken out inn XX/XX/XXXX. The account that they have on file for me to pay my payments with had to be closed due to possible fraudulent activity. I opened a new account and requested that they update my banking information, They said that they would have to email me a ACH Authorization form. That request was made at XXXX XXXX today XX/XX/XXXX. Still have yet to receive the form. I had previously requested this form and it had gone to my spam folder. I completed the form with my new banking information and sent it back at XXXX XX/XX/XXXX and they sent a confirmation back stating that they had received the form. I called them again at XXXX XXXX and requested to pay off my loan and once again they claim they have not received the updated banking information. Said they would contact their email support department and call me back. Still have not heard from them. It is now XXXX. XX/XX/XXXX. This loan accrues {$10.00} per day in interest charges. They purposely delay and have stall tactics to get more interest on the loan. I refuse to pay them one more day interest due to their slow and deliberate delay to accept my payment in full for my account.
10/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32114
Web Servicemember
In XX/XX/2017, I acquired a loan via Big Picture loans over the phone in the amount of XXXX dollars. I was led to believe that this would cost me XXXX dollars in interest over 6 months. To date I have paid via ACH from my bank XXXX and recently applied an additional payment of XXXX dollars to be applied directly to the principal. I contacted them today over the phone to express the confusion and asked how they could collect close to 3400 dollars in interest on a XXXX dollar loan and still be carrying forward a principal amount due of XXXX. I asked to speak to a supervisor and was then spoken to by XXXX. She sounded like she was reading from a script and kept stating that their system does all the calculations and when asked for the name of a human being that can make decisions, she had no reply but to once again refer to their system. I asked that the interest be stopped so that I could pay off the entirety in 4 more payments. She had no response except that I was welcome to pay off the loan early. In my financial position, this is not only improbable, but impossible. This loan is predatory in nature to say the least in that the payments over a 6 month span are 5000 %. While reading their documents, they appear to operate under Tribal Law, and as such portray themselves to be beyond the reach of the federal government.
04/12/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89011
Web
In XXXX of XXXX, I applied and was approved for an installment loan in the amount of {$400.00} from XXXX ( formerly CastlePayday.com ). On the website, the loan was to have a 784.73 % APR. The website also stated that the total to prepay the loan in full on or before the 1st due date was {$540.00}. Having experience with payday and installment loans, I did not pay attention to the math at the time I agreed to the loan. From speaking to the customer service representative, I was under the impression that I would make three payments of {$200.00} for three months to pay off the loan. After making two payments of {$200.00} ( XXXX late payment fees ), I was informed of the payment plan that the company set up for me in which I would be making monthly payments in various amounts until XXXX of XXXX totaling in upwards of {$2000.00}. At no point in the application process did I agree to this payment plan. In XXXX of XXXX, I asked the company how much it would cost to pay off my loan in full. They replied that I needed to pay {$820.00} ( not including the two payments of {$200.00} that I had already paid ). If my math is correct, that is more than the APR that I did not know I was agreeing to in the first place. And, I do not know if that payoff amount will change depending on the time I am able to make the payoff amount.
01/06/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 617XX
Web
When setting up the account I was told I would be able to pay it off in full at {$520.00}. I agreed thinking it was be the {$520.00} split up in payments -- AFTER I AGREED TO EVERYTHING THEN THEY SEND ME MY REPAYMENT SCHEDULE!!!! AFTER! I see they have an interest rate of XXXX %! I did not realize I was going to repay {$1900.00} on a {$350.00} loan. To date I have paid {$700.00} on this account. I did communicate with them via email regarding paying it off in XX/XX/XXXX or so but the math was n't adding up until now. The repayment schedule I did n't really understand, either. I am a single mother who gets no child support and works XXXX hours a week and CAN NOT DO THIS. I feel so stupid for falling for this -- PLEASE HELP ME! I get no government assistance I need help. XXXX is the name. I know they are XXXX XXXX related but on XXXX of XXXX XXXX XXXX XXXX XXXX ruled that the FTC Act " grants the FTC XXXX to regulate arms of XXXX tribes, their employees, and their contractors. '' specifically regarding deceptive payday lenders hiding behind a tribal affiliation. '' I need help into completely closing this account as of now as paid in full. I will gladly accept just close it -- no refunds, my mistake and I 'll take it as a lesson learned. Red Rock Tribal Lending, XXXX XXXX XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX
05/13/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33511
Web Servicemember
Application accepted on XXXX/XXXX/15 for {$350.00} at $ XXXX pay period. Because I 've had payday loans before, with NO problems, I did n't think anything of this one. I called today ( XXXX/XXXX/15 ) to find out when my last pay date was because I figured it should be coming up pretty soon, and she said XXXX/XXXX/15, which was odd since it was opened in XXXX, I did n't think it should take 10 months to pay off {$350.00}. I went online to look at the pay schedule and calculated how much I will have spent by XXXX/XXXX/15. On a {$350.00} loan, I will have given this company {$1600.00}. She said they tack on the finance charge on every payment if amount is n't paid off in full. I 'm in Florida and I checked the XXXX 's website and this company is n't listed as being licensed. Another thing is, they said it 's a tribal company so it does n't have to adhere to state laws. I 'm trying to get rid of my loans and had no idea this XXXX would be lingering on for such an ungodly amount. I 'm tempted to close my bank account. I thought about paying more each pay period to pay down the loan but the more I think about it, and the more complaints I see about this company online, the more I 'm against doing that. My past payday loans were the same amount every payday with the last amount being the balance of whatever is left.
03/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30083
Web
I took out a loan with Big Picture Loan on XX/XX/XXXX for {$870.00}. My goal was to pay it off in one payment, however, it did not work. So I called ( XXXX ) XXXX and talk to a represented to find out my options. I was not told that the interes5t would be compound daily, also it was not in the disclosure. I was able to make the payments on time until Big Picture loan started to debit my account before my Social Security Check got to the bank. Therefore, I stop payment to keep the bank from charging me fees. Additionally, my husband had to get a loan with them to for XXXX. They wanted to charged him {$32000.00}. for duration of the loan. So again they would attempt to take the money out of the account. Moreover, to pay his loan, I paid {$1100.00}. through my debit card. On XX/XX/XXXX, I attempted on six occasion to pay the last payment of {$360.00}. Nevertheless, it would not go through, and it showed up on my bank statement as a foreign transactions. Then I asked if I could send a money order to them, the representative wanted to do a debit knowing it would not go through just to continue with the daily int. Finally, the interest is way over the amount of what was borrow, and the harassment is awful. I did make the attempt to pay the final payment but that compound daily interest is not what I agreed too.
09/30/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 329XX
Web
This company has been contacting my family, friends and even neighbors. Today when I called and again had asked for written verification of the debt I was told to go to the website and look it up. I informed XXXX XXXX that I was in class and then going to the XXXX and did not have access to the internet. I again asked for written verification and was told NO. I then asked him for his address so I could send a written request and was told he was not giving me his address. I then told him I wanted him to stop calling all XXXX parties and to call my cell or home phone. He then said I was blocking his calls, but then in the same breath said he always reached my voicemail ( and not once has he left a message ). I again gave him my home phone and told him I was in class everyday till XXXX and then off to the XXXX from XXXX till XXXX. He then proceeded to yell at me and ask me about my financial situation and why could I not pay my bills. I said this was none of his business and again to stop calling and discussing my debt with others and he just laughed at me. I then said I was going to file a complaint against him and his office and he just laughed and said you know how many times a day I hear that lady. Go right ahead you dont scare me. I just asked again for the address he again said NO and I just hung up.
03/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 78154
Web Older American, Servicemember
Niece took out loan with Castle Payday loans in Michigan in my name. Loan was for {$800.00} with {$280.00} interest. She did n't tell me when the XXXX payment was due, so I did not put money in her checking account to pay it. But then I got an email from the bank saying that Castle Payday tried to take the money out. So after this, I tried to talk to Castle Payday to make a payment but they would n't tell me anything because I did n't know what email address my niece used, and she could n't remember which XXXX she used. This was after I provided my name, social security number, DOB and address and they still would n't talk to me. So after this I made sure that I had money in the account each time a payment was due. XXXX payments of {$280.00} each were made to Castle Payday, for a total of {$1100.00}, which was more than the total of {$1000.00} which it supposed to have been. My niece finally remembered which email address she used, and I was finally able to talk to them. They told me that all the payments I made were for interest, and that I still owed {$1300.00}. That makes a total of {$2500.00} for a {$800.00} loan. I find this to be totally ridiculous, and they should have talked to me initially after I gave them my name, social, DOB, and address. This company needs to have action taken against them.
11/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98501
Web
Hello CFPB, I applied online and was approved for a {$1000.00} loan from Big Picture Loans formerly known as Castle Payday on XXXX/XXXX/2016. At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of {$350.00} to be included to the amount borrowed. I 'm not looking to get out of a legitimate owed debt, and had no problem paying what I believed was a one-time fee, but now realize I have been scammed, and in fear of losing thousands of dollars to these people. This was a precipitous fee but I agreed. What I was n't aware of, nor was it disclosed at the time of accepting the loan was that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. They have been bleeding my banking account for month 's now in the tune of {$700.00} per month and are stating that I still owe thousands plus late fees to satisfy this original {$1000.00} loan. {$8000.00} for a {$1000.00} loan, @ 850 % Really!! These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. Please help, Sincerely : XXXX XXXX
10/28/2015 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 92562
Web
On Friday, XXXX XXXX, I recieved a phone call from a company called XXXX XXXX, XXXX XXXX from XXXX XXXX proceeded to tell me that my husband and I owed over {$5000.00} on a payday loan account from Castle Payday that was originally {$600.00}. I asked him to send us a letter for verification and the right to dispute and he told me that his client does not work that way, that I would need to call or go online to verify the information with Castle Payday. In the same conversation, I told him 2 times, my husband is not allowed to receive personal business phone calls at his office and cell phone that is issued by his employer. This morning, XXXX XXXX, 2015, he called both work numbers for XXXX, my husband. My husband proceeded to tell him he is not to call either of those numbers again. When XXXX asked for the same information in writing, XXXX XXXX told XXXX he sent it 45 days ago?? He told me when I spoke to him on Friday that I would have to do the verification by calling the creditor because they dont send out the letters in writing. Which is statement is true?? This company has violated our rights in multiple ways and conitnues to call but we have no notice of our right to dispute in writing. I have given XXXX XXXX the appropriate phone number and mailing address to use in order to contact us.
08/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OH
  • 44124
Web
I borrowed {$400.00} in the beginning of XXXX 2017 from an online payday company called Big Picture Loans. I have borrowed from them earlier this year and was able to pay off the loan quickly so I did n't have to pay high interest fees. I have made 4 payments of {$130.00} which is a total of {$520.00} on this current loan. I wanted to pay off the loan last week, it said I had a balance of {$390.00} which is ridiculous because I 've already paid {$120.00} in interest however I just wanted it paid off so I was going to pay it. When I tried to schedule the payment it said my payment would be {$480.00}!! Why would I pay almost {$100.00} more than what it said I owe?? I did n't have this problem with the first loan so I do n't know what is going on with this company. They are n't willing to work with me at all, the customer service representative claims he was helping me by saying I could skip my upcoming payment however then I would owe over {$600.00} on XX/XX/XXXX. HOW IS THAT HELPING ME?? If I want to pay it off why do I owe so much. This company is not clear on pay off amounts, the representative just said its computer generated and there is nothing he can do. I ca n't even upload the documents because the website does n't allow me to. This company should be closed, they are thieves!!
12/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01923
Web Servicemember
I had signed up for a loan through Big Picture Loans. I kept getting mail from them saying I was pre-approved for a loan up to XXXX $ then it was {$800.00}. I had applied online and was approved for XXXX XXXX I had signed up for the call in and make a payment option. I never authorized them to EVER withdraw money from my account. They never disclosed to my wife and me that the APR was 909.9999 %. The company had told me that it was a one-year loan with a payment of XXXX $ a month. I looked more into it and they were charging me XXXX $ a month for a payment then {$350.00} a month finance charge. They were charging me {$8900.00} for a finance charge, which they NEVER DISCLOSED to me. They then are charging me a total of {$9900.00}. They told me again that this loan was only a XXXX loan. On the Documents, they say my last payment is XXXX/XXXX/XXXX which is a two-year loan. I had called them and told them they were breaking the law and told them they need to bring it down to 20 % APR and they said we will not do that. They wrote a FRAUDULENT CHECK. They wrote a check on XXXX XXXX XXXX and then processed it on XXXX XXXX and then when it got sent back they tried again on the XXXX of XXXX. I had to go to my bank and close my account because they now are writing fraud checks on my behalf.
01/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IA
  • 503XX
Web
Dear Sir/Madam, I was approved for a loan from big picture loan of {$400.00} on XX/XX/XXXX with interest rate of XXXX and I have agreed to pay the amount automatically from my checking account. However, I did not know the interest rate and past due fees will keep following me until this day. I have paid over {$1000.00} and I have called a couple of times to arrange payment plans but each time I face difficulty paying the amount as you can see it in my attached documents. Every time there is a reminder and late fees. I 've paid the loan back with a double amount and now I am searching for a help to stop paying the remaining amount which is {$620.00}. In addition, I have checked my payment information online on XX/XX/XXXX and as per the attachment, no information revealed, everything is unavailable and I am afraid that they will keep charging me even if I paid off the amount which ca n't be happened now or even later. I am requesting to review the legal agreements to see the consequences if not paying back and I could n't find a better way than contacting you. I have a full-time job and I am trying so hard to pay my bills, but this loan is affecting my financial status terribly. Therefore, I can not pay anymore and I want the electronic detection from my account to stop. Thanks,
11/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • AK
  • 996XX
Web Older American
Big Picture Installment Loans ; Applied for a {$500.00} loan and was approved for {$500.00}. Initially, I was led to believe the cost of the loan would be {$250.00}, which at the time I thought was steep but I was willing to pay that much in order to borrow the {$500.00}. I did n't think about it at the time but I had given Big Picture permission to debit my checking account {$250.00} for repayment of the loan. A month went by and the {$250.00} was debited without any difficulty and I thought I had just two more payments of {$250.00} each to make in order to pay back the loan. A few months went by and {$250.00} was still being deducted from my checking account. I checked on the status of my loan and discovered I still owed {$750.00}. I thought perhaps an error was made so I looked at the details of the installment re-payment schedule and found out Big Picture Loans was charging me {$250.00} every month and the earliest I could pay off the loan was after 5 installment payments for a total of {$1200.00} I could n't believe these people could charge that much for a {$500.00} loan, but apparently they could. My first few payments and a payoff of {$750.00} was what it took to get the loan paid off which now I believe will stop the debiting of my checking account {$250.00} every month.
09/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98801
Web
XX/XX/2016 I applied for a payday loan through Big Picture Loans. My application was recieved and I was authorized for a {$400.00} loan with a financing fee of {$140.00}. They said they needed addition to process the loan, They attempted to contact me via email and phone calls, to which I never responded. Eventually they notified my via email that the funds were approved ( although I never spoke with them to confirm or provide the information they were asking for ). The {$400.00} appeared in my bank XX/XX/XXXX. Beginning on XX/XX/XXXX I had my first payment withdrawn from my bank in the amount of {$140.00}. Since then I have paid {$140.00} every two weeks for a grand total of {$690.00}. Much more than the {$540.00} I was under the impression I would be paying. Since then I have further delved into the disclosures and have come to realize that the first several payments do n't even go towards the principal amount of the loan - they go into interest. As a matter of fact, I have learned that the actual payback amount of the loan is {$2200.00}. That is an interest charge of {$1800.00}. While this information is available, I feel it was very misleading and would have never agreed to this loan if I knew the full extent of the interest I was going to be charged. My loan number is XXXX.
05/14/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 15210
Web
Castle payday forwarded this debt to a XXXX party XXXX however on Monday XXXX XXXX, 2015 I received a voice mail on my work voice mail by an unidentified company which is the following : Hello this is XXXX XXXX I 'm calling in regards to a formal complaint that 's been filed against a ( My Name ) if you have any information that may lead to the where abouts of this individual please contact our office immediately at XXXX regarding complaint # ( number here ) the next step will be filing the necessary paperwork with the county district court. This same exact message was left on my father 's cell phone, my sisters cell phone, my other sisters home phone and the home phone of a close friend as well as my work phone as I mentioned previously. Prior to this I have never been contacted to then suddenly be harassed by XXXX phone calls with my personal information going out within approximately XXXX mins going by. I immediately called back and spoke to a gentleman by the name of XXXX @ extension XXXX, it was at that time I identified the company as XXXX. He told me what Castle Payday authorized him to do. I advised him I 'd call back. I followed up with Castle payday today XXXX/XXXX/15 and was told this was sent to a different company entirely. Please assist or advise. Thank you
08/24/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 932XX
Web
On XXXX/XXXX/2016, I contacted the payday Lender Big Picture Loans , LLC. I explained I either needed an extension on the pay date or change the payment type ( due to low or no funds in the acct listed on loan. ) The representative stated they could not change the date or payment type because that 's how its listed in the contract. I explained that the payment will be returned because my pay day dates changed. I notified my bank on the following days XX/XX/XXXX-XX/XX/2016 and spoke to several representatives from the bank regarding this payment and that I did n't want it processed due to no or low funds. The bank is also aware that I do not have overdraft protection and declined this service. This payment was processed and paid by my bank and now I owe and am overdrawn on my bank account with overdraft charges and fees. I spoke to a bank representative on XXXX/XXXX/2016 who stated that the payment was put through because it was an auto withdrawal, even though I told them not to put the payment through. I also just found out that Big Picture Loans is not authorized or licensed to operate or provide loans out of the state of XXXX, where they are located. Payday Lender is Big Picture Loans , LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank : XXXX XXXX, XXXX
07/13/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32208
Web
On today XXXX XXXX, 2017 when I logged onto Big Picture Loan website to verify that my {$400.00} loan was paid off I noticed that I had a high interest charges that was doulble more than I borrowed which was not explained to me in detailed when I recieved the {$400.00} loan. So I called and was placed on hold for almost 15 minutes when I requested to speak to a supervisor. When I did get a supervisor it was a woman by the name of XXXX who got on the phone and asked me to verify my info name, date of birth, and address and she stated that the date of birth I gave her was incorrect in their system and then she asked for my driver 's license # and I stated to her what does that have to do with my complain about the interest on my loan. She then put me on hold and transferred me to another woman by the name XXXX who was not a supervisor and still who could n't give a good reason for the high interest rate. My loan was taken out in XX/XX/XXXX and they have taken a total of {$99.00} about XXXX times from my account since the loan which caused my bank account to be overdrawn. This is illegal here in the state of Florida to charge this type of interest rate and has put me in total debt. To top it off neither person I spoke with was willing to settle this issue with me.
08/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33176
Web
Loan orginated XX/XX/XXXX for {$400.00} 1st scheduled payment due XX/XX/XXXX for {$230.00}. Payment was not debited from my Savings account as previously arranged. Never presented to the Credit Union, verified that the amount was never attempted to be collected. Company reports on their site that it was returned - obvious lie. My account # was reported as XXXX, it was verified as XXXX. The Credit Union says the XXXX 's are not mandatory. I have made phone calls to see why the payment was not processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their representatives have done " three-way '' calls with my Credit Union on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). I have faxed my bank statement verifying the account and funds still being there on XX/XX/XXXX. A second level representative allowed the bank statement verification and resubmitted the payment debit for XX/XX/XXXX. To date the payment has not been taken from the account. I believe they are deceptively not following their directives in order to take advantage of the borrower. I now have been charged fees, and the interest rate continues to climb. I am not able to resolve the issue with them and I would like to pay and close the loan.
11/13/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32503
Web
I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.
08/04/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • CA
  • 92596
Web
I applied for a loan that was necessary via Castle Payday. I checked the scheduled delivery date and the account / routing number. Everything was accurate on the loan application ( I have printed copies ). The funds never made it to my account, and I have spent two days on the phone with a call center XXXX. I have been on the phone with that call center too often, and they have begun to lie to me. The first issue was that they mentioned that the account number was too short. After being disconnected while on hold, I called back. The next issue they told me was that the account number was correct but the routing number wrong. After being disconnected while waiting for the supervisor to get a bank representative on the line, I called the bank and verified the funds were never deposited. Again, I have a print out of the application. The account numbers are accurate, and were entered correctly. My concern now is that this company has my personal information, which it has misused and further misrepresented itself during our business transaction. I can not contact any employees of Castle Payday. They will not respond to emails I have sent them. I can not get a clear answer to whether or not funds were moved, or if this was some sort of scam.
01/08/2020 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • IN
  • 46260
Web
I received a call from a gentleman named XXXX XXXX claiming to represent XXXX XXXX for a loan I took out 4 years ago. I told him I believed I paid back any loans I had and I did not remember this loan. He had my name, last 4 of my social and my bank account information. He told me to look thru my records and call him back. When I XXXX his number, I discovered that it belonged to a XXXX year old woman in Illinois. I assumed it was a fake call since he never disclosed the name of his collection agency. After the holiday he began calling my work non stop. I called him back and asked him to call my cell phone. I then asked for written documentation of the debt. He emailed a XXXX document. It was basically an acknowledgement for me to sign agreeing to the debt. When I called him back, I asked for a copy of the loan contract and application. He began yelling at me. He said he didnt have it but he didnt need it. They were going to sue me for thousands of dollars and I was going to regret acting so dishonorably. He mentioned that I just bought a house and he knew I had the money. The XXXX document has since been deleted. I dont know what collection agency he represents, and I dont have documents to show I signed a contract for this loan.
01/20/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • VA
  • 23455
Web Servicemember
Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. Selected Entity Name : XXXX XXXX XXXX, XXXX. Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.
04/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29072
Web
This is a follow up to complaint # XXXX. In XX/XX/XXXX, I took out an installment loan with Big Picture Loans for {$1500.00}. The advertised interest rate was 57.35 % which in and of itself is outrageous. 57.35 % of {$1500.00} would be {$860.00}. The cost of the loan would then be {$2300.00} To date, I have made 12 payments for {$290.00} each totaling {$3500.00}, more than double the amount of the loan and {$1100.00} more than the cost of the loan with 57.35 % interest. BPL has me making 14 more payments for a total of an additional {$4000.00} making my amount paid in full {$7600.00}. This is 5 times the amount of the initial loan. This actually equates to 407 % interest. This is predatory and creating a financial hardship. Due to this exorbitant interest rate, I would like assistance in settling this loan for the amount paid to date ( {$3500.00} ). BPL will have profited nearly 2.5 times the amount of the initial loan and has recouped more than the advertised 57.35 % in interest. I have researched this company on the CFPB website and see this is a recurring complaint and the end result is BPL closing the loan as paid with the amount paid to date. This is the resolution I am seeking before my next due date on XX/XX/XXXX.
12/04/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • CA
  • 961XX
Web
On XXXX XXXX, 2015 Castle Payday Loans deposited {$500.00} into my checking account. This was done without any knowledge by myself as I did not apply for any loan. With any company with exception of XXXX company for several years. But never this company. The loan amount is more than what is allowed in California where I live. I live on XXXX and can not afford any loans of this amount. I have never received any documentation whatsoever of any kind except an email notice that a payment was due on XXXX XXXX, 2015. This email was received on XXXX XXXX or XXXX, 2015. This notice did not include any amount due, no account number, or my name. The email address that this notice was sent to is an old email address I have for a small business that is not currently in operation. I have closed the bank account the {$500.00} went into as that account was not used to apply for the supposed loan and therefore was fraudulently accessed and used. I also feared that the Castle Payday Loans would take payment for the loan. This concerned me as I live on limited income and the fact that I did not apply for or request any loan from this company. I am afraid to contact the company as I fear they will somehow use any communication against me.
09/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KY
  • 408XX
Web
I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. XXXXXXXXXXXX
06/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30144
Web
I took a small loan regrettably from Big Picture Loans, which I am learning too late is a predatory lender. I was given a loan of {$700.00} with a {$240.00} finance charge. I have since paid that off completely with an extra {$280.00}. When I contacted them to stop payments since I had already paid it off, they informed me that I had been continually paying the {$240.00} finance charge but had n't even touched the {$700.00} loan amount, after I had already paid them {$1200.00}! I was not made aware when I signed for the loan that they expected me to pay a 831 % interest rate. I was absolutely shocked, and when I called to voice my complaint with a supervisor I was met with extreme apathy and unhelpfulness. After doing some digging I have seen others have dealt with the exact same problem and you have been able to help them. I am hoping there 's is something you can do to help me with this. In the meantime I am going to file a claim with my bank for the extra {$240.00} charge and put a stop charge on all Big picture Loans payments. Here is my contract that I was given AFTER I signed to take the loan. XXXX Please let me know if you need any further information and if I can help at all. Thank you so much for your time.
05/20/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 371XX
Web
On XX/XX/2015 I was having some financial difficulties and applied for {$600.00} from Castlepayday that would be deposited to my account on the same day. When talking to the representative, who was extremely hard to understand, I was not made aware of the extreme interest rate that I would be charged. I was not able to view the Truth in Lending disclosure until my application was " approved '' and funds were deposited into my account. At this time I was astonished to see that the finance charges were {$3600.00} @ an APR of 867.4001 %. I then tried to contact and cancel before the " 2 day '' cancellation period but was unable to reach anyone. I was then told once finally reaching them after the third day that I could not cancel because the money was already deposited into my account and I would have to make the payments as scheduled. I not only would like to have this matter closed with no further money being " ripped off '' from me, but also to assure no other unassuming and innocent consumers be taken advantage of like myself. To date I have already paid these crooks {$2300.00} for {$600.00} a difference of {$1700.00}!!! I was told I would have to pay only {$480.00} in finance charges which obviously IS NOT the case.
06/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 850XX
Web
This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.
03/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21224
Web
I started a Payday loan with XXXX that was then switched to BigPictureLoans.com. The loans was initiated on XXXX XXXX, 2016 and the funds were receveid on XXXX XXXX, 2016. The loans was for {$1000.00} and I expected to pay a Finance Charge of {$350.00} which would be paid back in 3 Payments of {$350.00} and 1 payment of {$300.00}. The repayments were schduled to begin on XX/XX/2016 and continue every two weeks. When the fourth payment was pulled on XXXX XXXX for another {$350.00} and not {$300.00}, I contacted the lender who then informed me the loan was actually at an 887.9671 % APR with a total finance charge of {$8900.00}. I told them I had only agreed to a total finance charge of {$350.00}. I also let them know I had checked with the Maryland Commissioner of Financial Regulation and the Small Loan Rate Cap for MD is 2.75 % per month or 33 % per year basically making their loan illegal. I then requested the return the extra {$50.00} that was pulled on the last payment and requested they show the loan as Paid In Full. I then let them know they had 48 hours to meet my request or I would go to the Commissioner. I also let them know, no other ACH withdrawals would be allowed from the account to pay for the loan.
01/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98042
Web
Hello my name is XXXX XXXX. I am one of many victims who have been 100 % mislead or misinformed by an online predatory lendind institution engaged in illegal business called Big Picture Loans. Theyre a tribal institute supposedly located at XXXX. XXXX XXXX XXXX Michigan XXXX although after agressive research another victim reported them as operating out of the XXXX. I can not give you actuall dates as i can not bring up my account info, and cant contact them as they wont answer their phones. Shortly about a week before XXXX i responded to an offer via online to a preapproved money lending offer. Halfway through the online application i received and took a phone call from them. They stated that the app was approved and could have money in my account tomorrow. They stated there would be a {$120.00} finance charge. They didnt tell me there was an 850 % interest charge. Days later i received an e-mail with a breakdown of scheduled bank withdrawal payments. In re its going to cost {$3700.00} for a {$500.00} loan. I am currently seeking an attorney to get this issue resolved. These people should be stopped as they are scamming hard working people out of their money. With the advise of my bank i closed my account.
11/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20874
Web
I applied a loan with Big Picture Loan of {$1000.00} with the company and was approved on XX/XX/2018. When I discovered that the company applied a 183 % interest rate to the Loan I called them to cancel and reverse the Loan payout from my bank account. I spoke with an employee named XXXX on a recorded line, and was told to allow 2 business days for the amount to be reversed. On XX/XX/XXXX I reached out to the company, spoke with XXXX and was told my bank declined the transaction which I know is not true. We had 3 way call myself, my bank representative and XXXX an employee of Big Picture Loan company and the bank confirmed that they have the correct acct information to debit my acct and also stated that no attempt was made by Big Picture Loan to take out the cash neither was any transaction declined. I called big Picture Loan severally to get the matter resolved but they kept telling me their support dept will look into it and get back to me, which they never did.Rather they sent me an email that my first repayment is due by XX/XX/2018 even when it was obvious that they are using a delay tactic. I called Big Picture Loan on XX/XX/2018 to make the payment with their customer service which they declined..
10/16/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 32210
Web Servicemember
XXXX/XXXX/XXXX Received a phone call from this company stating they would be debiting from my bank account in 2 days because of a court judgement against me. I called back to the company and they answered stating they are Arbitration company obtained from pay day loan company I borrowed from back in XXXX. He stated he is a Lawyer and was retained to handle the account. the person then proceeded to transfer me to " XXXX ''. I asked XXXX what is the name of her company she stated XXXX XXXX XXXX. I asked are they an arbitration company and she stated that they are. I proceeded to ask her if they are made up of lawyers and she stated no. So once I looked up the company online I realized that it was a collection agency. I told the representative that this is an collection agency and it is illegal to misrepresent themselves. I told her to take me off their call list and do not call back. She proceeded to say that she is going to hang up and call my job. She also stated that they will continue to call me until I pay her their money. She used vulgar language as well. This is not the first time this company has called me with threats and I have told them not to call my phone again but they continue to harass me.
06/04/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MA
  • 02131
Web
I keep getting phone calls and mailings from Big Picture Loans stating that I am pre approved for a loan with them and that they obtained my credit information from XXXX of the major credit reporting agencies. Big Picture Loans interest rates are 700 % or higher ( according to their website ) which is illegal in the XXXX Massachusetts, they will not stop calling me and mailing me offers even though I have requested for them to stop. On my most recent call to them they claimed that they are legal to offer loans in Massachusetts and when I asked what the interest rates are on their loans the representative stated that " I ca n't tell you what the rate is until the loan application is submitted and you agree to take the loan, '' this is a violation of the Truth in Lending Act ( TILA ) due to the inability to know what the rate is before accepting the loan. I have a credit freeze on all of my credit reports and I have also opted out of receiving prescreened offers for credit. Big Picture Loans refuses to tell me what credit agency they obtain their information from so that I may deal directly with that agency to determine why my information is being provided to any third party without my written consent.
03/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 321XX
Web
I borrowed {$800.00}. The oral commitment over the phone was that I payback the original {$800.00} with a {$200.00} fee. Yes- Highway robbery but at the time I was desperate. They were supposed to take the money out each XXXX of the month. They started taking the money out when they felt like it and causing NSF fees at the bank. I called them many times and asked them to just take the money out as we originally set up. They would not. So I asked if I could just pay the remainder back in one lump sum ( at that point it was {$600.00} ). I had already paid them back $ XXXX I owed them {$400.00} and the {$200.00} fee-they would not accept it. They insisted I payback 36 consecutive payments totaling over {$7200.00}. I had to close my back account because I could n't reason with them. Now they are calling my work, home and cell non-stop all day and night. Again I have offered to pay back the original loan with the interest {$600.00} but they claim they wo n't take less than {$1200.00}. I wish I never ever borrowed money from them and I have learned a very hard lesson. This is an absolutely scam. I am a good person I just was desperate at the time. Please please help. Sincerely, XXXX XXXX XXXXXXXXXXXX
07/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • WA
  • 99336
Web Servicemember
I applied for the loan, however, luckily I did n't accept it. I tried contacting them via telephone and a gentleman answered took all of my identification information like my social security, date of birth, address, he said for identification purposes, which made me fee uncomfortable but I figured it was party of the process and as soon as I have all my personal information he acted like he could n't hear me on the phone any longer and hung up. I called again and customer rep that answered listened to me explain how I felt uncomfortable that they asked for all my personal information and hung up on me, and then this one hung up as well. I called a third time & when the rep answered I told them u wanted to cancel my application and as soon as I said it they hung up the phone on me again. I just feel like they may be trying to steal my identity with the information they took down from me and feel like they are just there to scam people. I did research on this company and it just so happens that I read that they were previously castle loans or something where they 've scammed a lot of people. Can you guys please make sure that they do n't do something illegal with my personal information. Thanks.
01/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98146
Web
On XX/XX/XXXX I received a personal loan from Big Picture Loans in the amount of {$1000.00}. I was told my payments would be {$220.00} on the XXXX of each month. Before accepting the loan I asked how much I would pay in interest if I paid the loan off right away in XX/XX/XXXX, the agent said about {$160.00}. XXXX. My first payment of {$210.00} was deducted from my bank electronically on XX/XX/XXXX. Another {$210.00} was deducted on XX/XX/XXXX. I called Big Picture Loans and made a complaint stating that was not what I agreed to. I asked the representative how much I would need to pay off the loan on XX/XX/XXXX. She stated {$1000.00}. I purchased a cashiers check from XXXX XXXX, check # XXXX on XX/XX/XXXX, and mailed it to Big Picture Loans Customer Support XXXX XXXX XXXX XXXX, MI XXXX I stopped all future electronic deductions from my account. I paid {$450.00} in interest from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I received an email from Big Picture Loans stating that they received my cashiers check in the amount of {$1000.00}, but due to me putting a stop payment on this account, I have a remaining balance of {$310.00}, and to keep in mind that additional finance charges accrue daily.
09/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29464
Web
I originally took the loan under the impression that the APR rate would be way lower than it turned out to be. I was also under the impression that the finance charge would be a one time fee. The company was very misleading because I later found out the finance charge is a percentage that is subject to change. I attempted to make a {$300.00} payment the end of XXXX which was never 'processed. ' I looked today and the payment still says pending. This would have made a huge difference on my interest rate. I think this was another scheme to keep me from paying off my loan early. I called today to make a payment on the principal. I told the representative that I planned on paying off the loan next week ( on my payday ) and she could not tell me what that amount would be. They also claimed that they could not process my payment for two business days and that I would still have to pay interest for the weekend even though i have been attempting to pay. The representative said there was no pending payment on my account ( I have a screen shot of the website mentioning my online payment ) Overall, this has been a terrible experience. The company has been so dishonest and they set you up to fail.
01/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 337XX
Web
In XXXX 2017 I received a loan offer in the mail from Big Picture Loans. I was in a bit of a financial rut so I decided to contact them to get a {$900.00} loan. While speaking with their Representative, it was pretty easy to get the loan and all I had to do was give them my bank account info and I was quickly approved. I was given very little information as to how many payments I would be making or how much my interest rate would be. Once I received the loan, I created an online account to view my payment history, payoff amount, etc. It was there that I found out that I would be paying {$190.00} bi-weekly ( {$400.00} a month ) with an APR rate of 545.69 %! So in the end, I would wind up paying {$5000.00} on a {$900.00} loan!! To date, I have paid roughly {$1600.00} and the majority of it is just interest. I contacted them about the payoff amount and the amount was always just about {$1000.00}, so I would never even get close to paying it off. Every time I did speak to someone I would get the run-around. I decided to XXXX this company, which I should 've done so from the very beginning, and it seems I was n't the only one getting charged these astronomical rates for such a small loan.
12/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30135
Web
To whom it may concern. I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.
11/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 288XX
Web Older American, Servicemember
We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.
01/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48917
Web
ANNUAL PERCENTAGERATE ThecostofYourcreditas ayearlyrate. FINANCECHARGE Thedollaramountthe creditwillcostYou. AmountFinanced Theamountofcreditprovidedto YouoronYourbehalf. TotalofPayments TheamountYouwillhavepaidafterYouhavemade allpaymentsasscheduled. 552.9667 % ( e ) {$5500.00} {$750.00} {$6300.00} I initiated contact XX/XX/XXXX. I was told that my monthly payment via phone would be {$160.00}. I was unable to see the Truth in Lending Disclosure, and upon further review realized how much interest they were charging, I made my first payment XX/XX/XXXX, and then 2 weeks later looked at my banking account and they had debited another {$160.00}. When I called to inquire about the ACH debit the customer service representative advised me that I agreed to bi-weekly payments, to which I responded No, I certainly would not have, I cant afford that. I immediately asked for a payoff amount which he quoted me as {$930.00}. I borrowed {$750.00}, to which he replied you acknowledged the APR when you e-signed the loan agreement. I told him that I could not see the truth in lending disclosure when I signed. He promptly ended the call. This company needs to be stopped, this is outrageous.
12/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60628
Web
I borrowed {$1200.00} in XX/XX/XXXX for approximately 2 weeks. On XX/XX/XXXX, I called to pay off the loan in full. The total was {$1800.00}. Big Picture Loans has not taken the payment out of my account and they are continuing to access interest on a loan that was paid off. They are refusing to present the ACH withdrawal to my bank XXXX. I have called my bank on 4 separate occasions to find out if the payment had been presented for payment. XXXX indicated that XXXX XXXX XXXX XXXX has never presented a ACH withdrawal. I spoke with the manager at Big Picture, XXXX twice and she assured me she would take care of the payment in full. Then I receive an email from the company stating they still have not taken the payment BECAUSE OF AN ERROR ON THEIR PART. At this time, I am filing a fraud complaint against this company for unethical business practices and extortion for attempting to access additional interest on an account that was paid off in good faith. The money has been sitting in my XXXX checking account since XX/XX/XXXXwaiting for Big Picture Loans to process my payment in full while I keep getting phone calls stating my account is delinquent and accessing more interest.
10/25/2017 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
  • FL
  • 32927
Web Servicemember
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )
04/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98406
Web
I applied for a loan through Castle Payday for {$600.00}. At the time of the loan, they did not disclose the interest rate that I would be paying or the full amount of payments that would be charged over the lifetime of the loan. They have been charging a 824.9979 % interest rate and debiting my account {$210.00} every 2 weeks for the past 4 months and I still have a balance of {$700.00} 4 months later ( and after many payments! ) I have already paid {$1700.00} and this is NOT PAID OFF?!? I never would have taken out the loan if they had truthfully disclosed that my total payments would be {$3600.00} for {$600.00}. Payment information : XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - VBS CastlePayDay XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX Total XXXX
06/17/2019 No
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 37042
Web
Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX 2015 LOAN IN THE AMOUNT OF {$600.00}. THEY ARE LEAVING THREATENING MESSAGES ON MY DAUGHTER PHONE AS WELL AS MY WORK PHONE NUMBER. TELLING ME THAT I WILL BE GARNISHED FOR {$3000.00} DOLLARS. THESE PEOPLE HAVE TOLD ME THAT I WILL BE HAVING MY WAGES GARNISHED AND HAVE TO DO COMMUNITY SERVICE. ALSO TRIED TO MAKE A PAYMENT PLAN WITH THEM BUT THEY WANTED MY BANK INFORMATION AND TOLD ME IF I DIDN'T GIVE THEM THE INFORMATION RIGHT THEN THAT THEY WOULD PROCEED WITH THE GARNISHMENT. TOLD ME THAT THEY WOULD COME TO MY JOB AND NOW XXXX IS ACTING LIKE SHE IS CALLING FROM THE COUNTY CLERK OFFICE LEAVING ME THIS NUMBER XXXX. IF YOU DON'T SAY WHAT THEY WANT TO HEAR THEY WILL HANG UP ON YOUR IMMEDIATELY. ALSO I WAS NEVER INFORMED OF THE 850 % INTEREST RATE OF THE LOAN. I WAS TOLD THERE WOULD BE A {$120.00} FINANCE CHARGE. I WAS UNABLE TO VIEW THE " TRUTH IN LENDING '' DISCLOSURE UNTIL AFTER MY LOAN HAD BEEN PROCESSED AND FUNDS DELIVERED TO MY ACCOUNT. THIS IS ILLEGAL AND REMEMBER, THEIR CLAIM THAT THEY IMMUNE TO THE LAWS OF THE FEDERAL GOVERNMENT IS TOTALLY FALSE.
05/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85395
Web Servicemember
On XXXX I applied for, and was offered a loan for {$1500.00}. The truth-in-lending disclosure that was presented online, and then was verified again when I was contacted by phone by an agent, offered payments of approximately {$150.00} on each of my paydays. ( I say approximately because it was {$150.00} and some change, but less than {$150.00 } ). The first payment was debited on XXXX in the amount of {$330.00}. I accessed my account online to find that this amount was the standard payment amount which would be debited on each of my paydays, and not the {$150.00} that I was quoted. On XXXX I sent an email to their customer service address listed on the website explaining my situation and asking them to provide proof of the truth-in-lending disclosure that purported the {$330.00} payment amounts and a transcript of the recorded phone call between myself and the agent. I feel that a review of that phone call will show that I was not quoted the {$330.00} payment amount, but instead the {$150.00} amount. I received no communication from the company after the XXXX email and sent another email requesting the same information today ( XXXX ).
03/03/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 37013
Web
I had a family emergency in XX/XX/XXXX and took out an {$800.00} loan from a company called Big Picture loans. I was told by a representative of the company that I would have to pay back {$1000.00} which included a {$200.00} finance charge. I thought that was kind of steep but I agreed to that term. They begin taking out {$200.00} bi-weekly out of my account. Once I reached the {$1000.00} and assuming this was my last payment, I get an email XX/XX/XXXX from them stating it 's time to process another payment out of my account in the amount of {$220.00}. I immediately called Big Picture loans but could not get anyone on the line. I conducted some research online and discovered they are predatory lenders. I took a closer look at the Disclosure statement and this is what I discovered : the interest rate of 650.0065 % and a finance charge of {$4200.00} with a total payback cost of {$5000.00}. This is ridiculous. How can they charge me {$5000.00} for an {$800.00} loan? I have paid them the {$1000.00} that I agreed to If this was explained to me during the time of taking the loan, I would have refused to take it. Please help me obtain some resolution to this issue.
10/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32725
Web Servicemember
On XXXX, I requested approval for a loan for {$370.00} from big picture loans. I asked a lot of questions initially. I specifically asked if something came up if it would not report to the credit reporting agencies if I defaulted, and I was assured by the loan officer I spoke with that no matter what this type of loan would not report to any agency. I have made a couple of payments, and lost my house to a hurricane last month. I had to switch checking accounts due to unexpected expenses, and today, after missing one payment, bigpictureloans.com sent me a email stating they could proceed with damaging my credit, and saying that the bill is now at a new balance of {$720.00}. .I also have no problem paying back what I borrowed, even with some interest. I have no paperwork indicating they could double the loan over a 30 day period. The breakdown they sent me reads as follows. " principal {$340.00} Interest ; {$320.00} fees {$60.00} Total {$720.00}. This situation has me very upset, I want a fair bill, and I can not afford to have this affect my credit, I am trying to become a homeowner relatively soon. This exact statement was sent to me today via email.
02/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • AL
  • 35023
Web
I took out a payday loan with XXXX XXXX XXXX online back in maybe XX/XX/XXXX and I can't remember the exact amount. I paid the loan payment twice a month up until I hit harder financial times and then I stopped. Then back in XX/XX/XXXX a debt collector contacted me told me that a warrant had been issued for my arrest but I could settle the debt for {$270.00} which I paid. I then received a letter saying the account was settled and closed. Then in XX/XX/XXXX I received another call and I really didn't think about it until later but it was a debt collector for XXXX saying that I was due to be served court papers unless I paid {$120.00}. Again I paid and received another payoff letter. Then a couple weeks letter I get another call from another collector for the same company XXXX XXXX. I spoke with them and told them that I had already taken care of this matter. Then just this week I received 2 more calls so I emailed the company. I haven't received any more calls since the email. This company is a ripoff if you borrow {$400.00} you may end up paying {$1600.00} or more. My personal experience I will not use this company or any payday loan company ever again.
07/31/2017 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
  • GA
  • 30034
Web
I took out a XXXX loan with a repayment amount of XXXX by the date of XX/XX/XXXX which would automatically draft from my account. The attempt to collect the payment was not done until XX/XX/XXXX ( which was verified with the lender and bank ) unfortunately other items came out of my account the day prior resulting in the payment being returned. Had the payment come out on XX/XX/XXXX as agreed it would have gone through and the other item would have been returned. I also applied for a loan during this time but received an error that a loan could not be provided until the previous loan was paid ( This is how I found out that the payment did n't go through ) although the error was provided the loan was actually processed unbeknownst to me and the repayment amount was XXXX as opposed to the XXXX I could 've given right back to them because I now had to worry about paying the other loan. They are not returning calls or answering my calls since these errors have been brought to there attention and they are continuing to take on additional interest and fees. Please help me. I only did this to help my mother with her XXXX meds I just want to pay them what I owe.
02/02/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78749
Web
This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
08/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90807
Web
On XXXX/XXXX/16 I applied and was approved for a {$600.00} Loan. I was told that there would be a {$210.00} finance charge for this and I accepted this however I was unable to see the truth lending documents which stated the total payments would be XXXX because there was a interest rate of 800.8 interest rate. I was not able to view this until after I accepted and agreed. This is not fair. Is this legal?? I only agreed to borrow {$600.00} and now I am receiving notices that I now owe {$990.00}. I have already made two payments one for XXXX and one for XXXX. This is confusing. How do I owe over {$4000.00}. I was also given an extension to pay the current payment which was due on XXXX to pay {$210.00} on XXXX. They took the money out of my account anyway and I had a three way conversation where I spoke with Big Picture loans and my bank to have the money credited back into my account since they assured me that I was given an extension to pay the next payment on XXXX. They again went back on their promise and tried to take the money out on XXXX. According to my calculations, this loan for {$600.00} should be paid off by the end of XXXX. PLEASE HELP!
08/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • TX
  • 763XX
Web Servicemember
I took out an installment loan with a company called Big Picture Loans ( XXXX ). The loan was for {$800.00}. The company required automatic payments in the amount of {$280.00}. After making XXXX such payments with no issues, I received an email from them saying that they would take out an additional withdrawal in that amount ( I had already paid them {$1100.00} ). When I called to ask how much I had remaining to pay, they told me I still had to pay {$1000.00}. When I pressed them for details, they told me that the {$280.00} that I paid each month was for finance charges only, and that I had been required to make additional payments over that amount to reduce the principal balance ( that in order to reduce the principal by {$200.00}, I would have to pay {$480.00} ). The loan agreement did not state this extremely high interest rate, and was not informed of this until after the fact. In addition, I told them that they were no longer authorized to automatically debit my account, and they told me that they would be unable to stop the payment, which was " pending '' for the next day. This forced me to have my bank stop the payment after the fact.
05/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32305
Web
I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.
10/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 94591
Web
I do not know if this is the appropriate channel to report a loan offer I received in the mail. I am currently struggling financially due to being XXXX and high medical bills in collections. This has contributed to my less-than-perfect credit record. Today I received an installment loan solicitation from " Big Picture Loans ''. It says I am pre-approved. I researched this company and found that the yearly interest rate is 780 %. It does not state that on the letter. There are reviews online that state that dealing with this company is a nightmare. If one wants to pay off their balance early it is very difficult. Some reviews are 5-stars but they look fabricated to me. I think this is a predatory loan because they locate individuals who are down on their luck then offer this loan as a solution. No doubt there are many people who are desperate for money at this time. This company seems to be taking advantage of this situation. They will stretch the repayment period out for up to 44 months in order to maximize their profit. Too bad for the little guy. They probably really don't care. Of course, I did not apply for a loan with them.
03/04/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MN
  • 55369
Web Older American
I was strapped for cash due to a divorce that was getting nasty and some health problems. I applied for a {$1200.00} loan and was approved. After signing the papers, I realized the interest rate was over 600 percent, possibly 800 percent. I thought I would pay it off immediately 2 weeks later but then had an auto accident and more problems so I could not. I have asked that they stop the automatic withdrawals and they did. I mailed them one payment of {$350.00} the first week of XXXX. I had received the loan funds on XXXX and the first payment was actually due XX/XX/16. I accept the fact that my stupidity accepted this loan, but I am truly struggling to pay this. I am XXXX years old and still working, but it is difficult. Today I reported them to the MN Attorney General Office via the mail. From what I have now been able to read - they are known as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. etc. I am not against paying them the {$1200.00} with a small amount of interest but not 13 payments of {$350.00} each! Any help you can give me is greatly appreciated. I truly believe they are Predatory Lenders. It is best and easiest to reach me at XXXX.
10/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95688
Web
I applied for a loan online with this company on XXXX/XXXX/XXXX. I was approved for a loan of {$1500.00}. I previously filed a complaint with the CFPB stating that the Truth in Lending disclosures were NOT visible until AFTER the loan had been processed and funds delivered to my account. This company denies this fact, which is a COMPLETE FABRICATION OF THE TRUTH ON THEIR PART. The loan in question is NOT LEGAL, this company, I have learned is NOT LICENSED to do business in my state of residence, making their contract UNENFORCEABLE and ILLEGAL. This company has received XXXX from me to date and still indicate that I owe them at minimum $ XXXX. Under California law, ALL consumer lenders MUST be licensed by the XXXX XXXX California XXXX XXXX XXXX, may lend no more that {$300.00}, and may not charge more than a 15 % interest rate. All of the laws in the state of California pertaining to this loan have been violated making the loan ILLEGAL and the LENDER unlicensed and their contract invalid. They have harrassed me by phone and email as well. This company is predatory and their business practices are NOT XXXX in the state of California.
04/25/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 349XX
Web
I recieved a preapproved application in the mail about a loan for XXXX from Big Picture Loans company.i applied and was approved for the loan without much effort ... In the final documents and truth in lending info, there is a section telling you how much you will pay in a payoff balance which was a reasonable XXXX dollars and is what i was led to believe would be the final amount i would pay along with original loan amount of XXXX dollars by the time the loan was paid in full ... But as of today after reviewing my documents, i found out that you have to scroll all the way down the " truth in lending '' section, which should be called the " truth in hiding '' section since i had no idea this info was down here or i would have rejected this loan immediately, and i find that these people actually expect me to pay almost XXXX for an XXXX dollar loan at 887.877 % interest..thats not even legal ... That is simply not going to happen and these crooks should be stopped for their predatory lending practices ... Unfortunately, i now have to go to my bank and describe the problem to them and avoid this obscene situation alltogether ...
03/17/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 614XX
Web
Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$1000.00} loan, but only borrowed {$470.00}. I was told by the Rep. on the phone that there would be a {$150.00} finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 849.0116 % and that the total repayment amount for my {$470.00} loan would be a whopping {$2400.00} I had not been informed of the 850 % interest rate on the loan, and I was told there would be a {$150.00} finance charge, not {$2900.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$1000.00} for the {$470.00} loan. I think this is far more than enough to cover this and I do n't think I should have to pay anymore. I feel like I was totally mis-lead about how much this little loan would cost me. Thank you for your time. XXXX
10/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22042
Web
In XX/XX/XXXX I made a mistake in taking this loan of XXXX XXXX.I was aware of a steep finance charge of about {$120.00}. The Truth in lending disclosure was not visible at the time I was applying for the loanXXXXXXXX XXXX XXXX XXXX XXXX Big Picture Loans.com are predatory lender engaged in illegal business practices. In XX/XX/XXXX XXXX District Judge XXXX XXXX XXXX ruled that the FTC Act " grants the FTC authority to regulate arms of XXXX tribes. their employees and their contractors. '' Specifically regarding deceptive payday lenders hiding behind a tribal affiliation. I had not been notified of a 697.0822 % interest rate I was aware of a finance charge It was not totaled in the payments how high the entire loan would be. I was unable to view the " Truth in Lending " disclosure until after the loan was had been processed and the funds delivered to my bank account. This is Illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Big Picture Loans.com are not immune to the laws of the federal government. Interest paid to date {$1100.00} priciple balance to date {$180.00} regular payment amount {$160.00}.
01/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NC
  • 28215
Web
I took out a loan for {$600.00}. I never spoke with anyone, everything came by email. My payment is XXXX bi-weekly and I 'm no where near being finished paying it off. With interest laws in NC i thought this loan would be paid off after a few months but when I was finally able to login to my account to date I 've paid XXXX in just interest and only a total of XXXX to the principle since my first payment XXXX XXXX, 2017. This does n't make any sense. This account should have been paid off already, but when my payment is taken sometimes on XXXX is going towards the principle. It says my interest rate is 697 %. Is this legal? I finally decided to do research about the laws and NC law says 36 % is the limit. Can anyone assist? This was supposed to be to help for unexpected bills for a short period, but the balance has never gone down low enough to pay it off because most of the payment is going to the interest. I would think the interest rate would be higher if someone was missing payments, but I am current and have never gotten an extension or missed a payment and I have still paid an exorbitant amount.
12/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MI
  • 48111
Web
I fell into a bit of a financial bind and took out an installment loan through. Big Picture Loans for {$450.00}. To date I have paid {$180.00} back to Big Picture Loans. After doing some research I realized that these companies charged me illegal rates of interest under Michigans usury laws. I immediately revoked ACH authorization. I a letter explaining that I would repay the remaining principal balance of the loans in equal monthly payments beginning in XXXX of 2020. I currently owe Big Picture Loans approximately {$260.00} dollars. Big picture loans refused to oblige at all claiming tribal immunity. However it is my understanding that tribal immunity prevents consumers from suing them and that under federal they still have to oblige to usury laws in respective states. After going back and forth with them via email, the matter was not resolved. In learning from my mistakes, the reason I am filing this complaint is because I refuse to be harassed by a company when I have made reasonable attempts to settle the debt on a payment plan trying to circumvent any potential damage this could do to my credit.
07/23/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MA
  • 019XX
Web
I accepted a loan from Castle Payday of {$1000.00} on XXXX XXXX. I was informed my XXXX payment would be due on XXXX XXXX, 2015. On XXXX XXXX, 2015 my personal bank account was debited {$500.00} for a service fee for CastlePayDay. I was not informed of such an absurdly large service fee on a {$1000.00} loan nor did I accept or authorize the service fee be deducted from my bank account. Had I been made aware of service fee that equals 50 % of the loan amount, or half the loan value, I would not have accepted the loan initially. I called the company asking 1. ) what {$500.00} fee was, 2. ) why is it so large 3. ) i was not informed of nor did I authorize the service fee be deducted from my account. I requested Castle Payday to reverse the transaction and credit my account back the {$500.00}. CastlePayDay refused my request. The charge to my personal banking account with XXXX was then overdrawn because of the unanticipated transaction by Castle Payday. I have filed a Statement of Unauthorized Electronic ACH Payment with XXXX Bank. Attached is additional supporting information. Thank you. XXXX XXXX
03/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MN
  • 55125
Web
I was sent a notice for a Personal loan for Big Picture Loans in XX/XX/XXXX. I took the loan. The lender disclosed the interest in a fashion which stated that 14 % interest was going to be charged. In actuality its 14 % per DAY. So total of 798 % interest. This was never stated. They never disclosed the length of the loan, which is 18 months. This brings my total paid to them for a {$1200.00} loan to over {$7000.00}. dollars. I have tried to ask them to take bigger payments to get the loan out from under me. They took the information, then never charged my account that amount. I also tried 4 times to ask for a payoff amount, with each time the words " payoff my loan '' were spoken, they suddenly could not hear me, and would hang up. ( Last time occurring XX/XX/XXXXat XXXX XXXX CST ). This went on for the entire morning. I asked one representative what their Business License number was for Minnesota. They refused to talk to me. I am beyond frustrated with this company, and need assistance to pay this loan off at a reasonable, state allowed interest rate of 33 %. Thank you for your help!!
10/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • IA
  • 510XX
Web Servicemember
I took out a personal loan. Of {$1500.00}. My first statement was the balance was {$1600.00} with my biweekly payments of {$330.00}. Beginning XX/XX/XXXX. I come to find out to try to pay off my loan I owe {$2400.00}. And every payment that I have made biweekly since XX/XX/XXXX has all gone to only interest to them. Nothing has come off the principal balance. I called them to change my bank account information in early XX/XX/XXXX. and they never updated it and have put my account into delinquent status because they tried to pull from a closed account. I was not aware I had to pay all the interest upfront for payments before they even start taking amounts off the principal. Also when I requested to change my account informations they told me the only thing I have to do was fill out the new direct withdrawal form with my new routing number and email back. Then when I call to pay off and ask why my account is delinquent they told me I have to have a 3 way call with my bank to change my bank information to the new bank. Which has also lead to fees changed by my old bank for insufient funds.
04/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
In XX/XX/XXXX, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. Repaying the loan plus that already exorbitant interest would total {$2300.00}. To date, I have paid {$3500.00} so {$1100.00} more than the amount I should have repaid. I still have 14 more payments which will result in me paying an additional {$4000.00}. It turns out I am being charged 407 % interest and not the 57.35 % advertised to me. I demand that my account be closed and marked paid in full immediately. This company actually owes me {$1100.00} in overpaid interest as well. I have a payment due XX/XX/XXXX. I want this resolved before that payment is deducted. I would like {$1100.00} in overpayments returned to me. Please resolve this immediately and cease all automatic payments from my bank account. I have repeatedly attempted to resolve this with the company directly. The call center appears to not be located in the United States and 10 emails sent have been ignored.
03/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 740XX
Web
I took a " payday loan '' from XXXX XXXX for {$600.00} on XXXX/XXXX/XXXX. I was advised that there would be a {$210.00} " finance charge ''. It was very clear to me that I would be paying back {$810.00}. They have since taken four payments of {$210.00} each, dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX. I called today just to verify that this loan is paid off after today 's installment and was absolutely HORRIFIED to learn that this {$210.00} is a MONTHLY FINANCE FEE until I pay off the " principal '' of {$810.00}. This makes the interest rate unbelievably ridiculous. This was ABSOLUTELY NOT explained to me EVER when I took this loan. Please help! I have paid back {$840.00} so far on a {$600.00} loan, had I known of this deceptive " finance charge '' I never would have taken the loan. Also in the " truth in lending '' electronic form I sighed it showed NO FINANCE CHARGE and NO INTEREST. This was all very deceptive and can not be legal. I am a single mother working to support my kids and I feel I have been taken advantage of in the worst way.
04/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46368
Web
I applied for a loan w ith Big Picture Lo ans on XXXX XXXX . I was approved for {$1100.00}. I instantly received the funds the next day along with an approval email. It was only then I was given the terms of the agreement. I had NO idea what I was getting into. The loan had a 732.3534 % interest rate with a total payoff of {$8900.00}. I was paying {$280.00} bi weekly. I have already paid what I originally borrowed. I am having financial difficulties and emailed them a memo on XXXX XXXX , 2017, r equesting they stop the ACH payments. I explained my situation ( un employment ) and asked them if they would stop finance charges and settle with me, in hopes to avoid bankruptcy. They agreed to do so, however, they requested I make biweekly payments of {$220.00}. They insist I still owe them {$1400.00}. They claim I have not paid one penny towards my principal borrowed amount. I have contacted the Indian a State Department of Financial Institutions and was told that Big Picture Loans is n't even licensed in Indiana, which would make this an illegal loan at illegal rates.
02/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MN
  • 550XX
Web
In XX/XX/2017 I had been receiving solicitations from Big picture loans that I was preapproved for a loan of up to 2500. I always threw them in the trash. Last summer I applied as I needed money unexpectedly. The process was all online. I was preapproved, but much info was needed in order to finish the process. I was to provide a pay stub, bank statement, employer information, social security # ect .. I felt all was legit, as this is typical to have to provide this info. to companies/banks etc. The computer system on their end was having issues, so I was directed to call customer service. In order to complete the loan processing I needed to provide a color copy of my drivers lisc. And to expidite the process, I could allow them to view my bank account on line. I agreed, but became angry as they then declined the loan AFTER all info was provided. I feel that they went way too far in obtaining info on me. I called customer service back, and they said there is no record of me applying for a loan, to try again. I am very concerned that I may become a target if identity theft.
08/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • NC
  • 28012
Web
I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.
01/19/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48187
Web
I applied for a payday loan on XXXX XXXX with big picture loans. After applying I was told I was approved for {$1000.00} with a {$500.00} finance charge. I was not given a truth in lending disclosure until after the transaction was complete where I saw that it was actually {$1000.00} with {$7000.00} in finance charges. My contract says that I have 15 days to be late before any fee is applied and to pay off the initial balance which would only be {$1500.00}. I tried calling big picture loans to extend the payment date to next week to where I would just pay off the entire XXXX and they refused to stop the payment. The contract says that payment can be changed to business days prior. I did stop payment with the bank but was told that if they change their vendor name by even XXXX number that they still may be able to take the payment out, even though I called on the XXXX which was three days prior to the due date on the XXXX and told them that they no longer had permission to debit my account. unfortunately the contract only opens in my online account and can not be saved
06/17/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 232XX
Web
I took out a loan with CastlePayday a couple of weeks ago. They took money out for the XXXX payment on XXXX XXXX. When dealing with a different loan issue, I realized that I did n't have a copy of my contract for this loan. I called them today, asking for a copy of the contract. They sent me a schedule of payments but no contract. I called back to request the terms of the loan. The person I talked to that time, said that it was not a payday loan, but that it was an installment loan. I told him that I was aware that it was an installment loan, but that I still wanted a copy of my loan paperwork, since none was ever made available to me, and it was n't sent when I had just asked before. Again they sent a copy of the payment schedule, again, not what I was asking for. I looked back in my emails from them to see if I missed something and all I found was information I should know about my loan which included a notice that failure to make timely payments would enact applicable tribal law, and they would send over the loan to a XXXX party in the event of default. That 's it.
08/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 334XX
Web
I took out a payday loan with Big Picture Loans. I can not pay this loan in accordance with the terms of the loan. I contacted a credit counselor under the law in Florida which states : Grace period. The law provides you with a 60-day grace period if you are unable to pay back the loan upon the expiration of the contract term. But to take advantage of this you must : ( 1 ) make an appointment with a credit counseling agency within seven days of the original due date, and ( 2 ) complete the credit counseling within the 60-day grace period. If the credit counseling agency recommends a repayment plan, you may repay the debt in accordance with the plan without incurring additional fees or costs. I completed this. The company emailed Big Picture proof of same. Big Picture immediately placed my loan in a " past due '' status even though my payment is not due until tomorrow. They refuse to speak with me. They have already collected over {$900.00} in interest with {$0.00} applied to the loan itself. I have since learned that these types of loans are prohibited in Florida.
03/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 554XX
Web
I went online on XX/XX/17 to get a loan for {$600.00} from Big Picture Loans. From my understanding I thought I would only have to pay {$180.00} once a month for three months. This would include what I took out plus interest. It was not until the next day the loan was deposited into my bank account that I was emailed the Big Picture Loans payment schedule and saw that I had to pay 12 payments of {$180.00} which add up to {$2200.00}. This is more than what I even borrowed from them. I called to verify and see how I could get out of it but they kept telling me that they would call me back. Other times the hold was so long that no one ever came on the phone. The customer service department has not been helpful. So, far I have paid {$1100.00} and very frustrated on the fact that I have more to pay back because of their very high interest rates. After, reading other people 's complaints I feel it is only right that someone looks into this place. I feel as though they are taking advantage of people. I hope someone can contact me back so that this matter can be resolved.
02/01/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 28212
Web
I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.
08/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 480XX
Web
I borrowed XXXX back in XX/XX/XXXX, and it was my understanding there was a XXXX fee for this loan ... They take payment through my bank account, and we are on XXXX, and live on a fixed income ... ..I thought this would only be a 3 month XXXX payment ... However, they have been taking XXXX out each month, and I called, because they sent a txt saying another payment was going to be withdrawn but this time XXXX!!!! I then went on line, and found out it is costing a whopping XXXX for the XXXX borrowed, and the interest rate of XXXX percent!!! I tried to call them to see if we could work something out, but they are not working at all with me, and I feel like I have been totally ripped off!!! Since the date of XX/XX/XXXX, they take XXXX out of our XXXX, and this month XX/XX/XXXX, I called them to not take the payment as we are having a hardship, and they said no, and the payment is gon na be XXXX this month!!! Well, I had to put a stop payment on this because we could not afford it ... ... I am not understanding one bit how this can be legal. Please help : ( Thank U!
11/14/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30815
Web Servicemember
I completed and application online for Big Picture Loans.I was Instantly approved for a payday loan with Big Picture loans for the amount of {$400.00}. When they called me I was informed I was approved for {$800.00}. I was informed to go to my computer and sign the loan agreement. At the time it was showing I was to pay {$280.00} bi-weekly for a total of {$1000.00}. Which is a bit high, but I was in a bind so I agreed to the amount. After completing the application process with the rep. over the phone I was informed the money would be deposited into my account within 24 hours. On Friday morning the money was in my account. I recently logged back into my account and printed out the loan papers showing the schedule when the payments will be deducted from my account. Now the Agreement is showing that I will be pay 993.3438 % interest. Finance charge is {$6000.00}. Total amount owed is {$6800.00}. Now this is Extremely too much to pay on a {$800.00} loan. I am not trying to get out of paying what I owe, however this is highway robbery. And should be against the law.
05/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 27703
Web
On XX/XX/XXXX I applied for a personal loan in the amount of XXXX. I did so on my phone. When I applied, a truth in lending disclosure never loaded properly yet I was approved. I called the company on XX/XX/XXXX ( XXXX phone records are available ) and was told that my payment would be XXXX monthly. I tried to make an additional interest payment on XX/XX/XXXX and accessed my account online. The truth in lending statement was available to see at last AFTER I got my money. To my surprise, the APR was 497.621 % and there would be 13 payments of XXXX, not monthly. I called to complain and was told by the agent that they are a tribal government and immune to federal laws. The agent told me that I agreed to the loan terms, which I didn't, and then promptly hung up on me. This company has sold my information to other payday loan lenders and has filled my email with spam now. By failing to make me aware of the APR and not showing a functional truth in lending disclosure they are in violation and I want this company reported and for them to stop stealing my money.
08/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33908
Web Older American
This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!
01/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 614XX
Web
On XX/XX/XXXX I received an offer in the mail to get this loan. It stated a interest amount of around {$200.00} to borrow the {$950.00}. I was under the impression that I could pay this off in a month and only pay the interest and what I borrowed. I have tried to get a hold of the company and they insist that all the payments I have already made were completely interest and I still owe {$950.00} plus more interest to get out of their debt. I have currently paid {$890.00} in interest only and {$33.00} towards the {$950.00} I borrowed. I just want them to let me pay the fair price for what I owe them from what I borrowed and be done with this. Right now they are debiting {$180.00} every 2 weeks from my bank account and they state they will not quit doing this until XX/XX/XXXX. That will be {$3700.00}. Please help me in getting this settled. I was uniformed and unable to view the lending disclosures on how much this would cost me until after the funds had been delivered. I was under the impression I could pay this off with a reasonable interest rate.
06/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IA
  • 52001
Web
I applied for a {$1000.00} loan on XXXX XXXX , XXXX and received the payment on XXXX XXXX . When I signed the paper ( electronically online ) I signed up fo r 3 installments of XXXX which makes the total XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on XXXX XXXX in the amount of XXXX . They sent me an email with the terms that now said I would be making six payments in the amount of XXXX This equals XXXX which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account. Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at 6 payments with a total of XXXX .
09/02/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • AZ
  • 85306
Web
When I called this company to take this loan out the lady told me for XXXX $ loan it would be a XXXX $ finance charge. So I agree to that. The documents did not show that it was an 850 % interest rate and that XXXX $ finance charge was every two weeks. Interest alone nothing towards the principal. So I see this place is going to XXXX over and I called to pay XXXX $ towards the loan. So over a week passes by the money still has not come out. So I call and after talking to 3 different people who were very very hard to understand she tells me it will come out on my scheduled payment date. Not mentioning that also they will take out the XXXX $ finance charge again. So payday comes today and they take XXXX $ and I still owe XXXX $ with a finance charge of XXXX $! So in a month I 've paid XXXX $! They make it very hard to pay off the loan. And they wait so they can charge you even more money. This loan was a huge mistake and they were very misleading on how the payments worked and I was not able to see the payment schedule till after I got the loan.
10/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MS
  • 393XX
Web
I submitted for a loan on XXXX/XXXX/XXXX and was approved for XXXX. My first payment was due on XXXX/XXXX/XXXX. My income is based on what I receive through XXXX. I had a medical emergency with a up front cost that I had only days to pay soI got the loan. Closer to due date, I sent an email and called to reschedule payoff through a debt consolidation loan through my bank and I would payoff the loan and be loan on my first and only payment. The day I tried to talk to them I was either on hold or hung up on twice. I didnt want them to send it through but got the run around and sent three times. I were charged with massive bank fees through them and the effects it had on other transactions. The bank closed my 5 year checking account now they have called me at least 30 times. If they would have tried to work with me I wouldnt be in this bad of shape. I am lookin for one payoff amount and be done. I will never get this again because with XXXX, you never know what you are going to get and it helps if the business is not CRAZY like these people,
10/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30034
Web
I somehow was approved for an additional loan even though I received an error message when applying, called the customer service number and was advised an additional loan could not be taken out while another loan was active. Unbeknownst to me the loan went through ( I assumed I was using money that I asked my brother to lend me and that he deposited ) I have repeatedly asked how I can pay on the loan since my payments go to the other loan that I have out. I can not log in online like before to pay myself. I was told that I would be contacted in regard to how I can pay but I have not received contact and this was in XXXX. I constantly call and I 'm told the same thing but of course interest is continuing to accrue. When I originally requested how to pay my loan total was {$610.00} which I could have paid immediately ( with the money my brother did get around to depositing ) but was not provided with a way to do so. I just want to pay what I owe. My calls and emails are being ignored so that interest can continue to accrue. Please help me
03/09/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 99208
Web
I took a loan with Big Picture Loans and it was for XXXX well I took that loan out in XXXX and I have been paying on it ever since and after reading all the reviews I feel like I may not get out of this loan. But as I was reading I saw that thru my state since they are not licensed here they have to give back to the borrower. I have made XXXX per month with them and just this last month I was unable to pay it. They extended my payment but also on top that calling them is super annoying I got hung up on at 3 times beforehand. Not happy. I am really dissapointed in this with how much they charge for interest rate and on top of that they are not allowed to do it my state. Just this month I would have been touching the loan but since XXXX I have been paying XXXX a month and this month would have been XXXX it is rediculious. It is a shame that a company can do this to people now I have nothing to live on because of this. I also do n't want to have to close my account because of them but I might have too if I ca n't afford these big payments.
01/05/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74135
Web
I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective XXXX no response for XXXX days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with XXXX XXXX Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. Please help me resolve this issue.
09/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 34986
Web
I received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.
06/23/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SC
  • 293XX
Web
I had gotten a loan from Castle Payday and paid it back on the agreed upon date. Then, I took out a second loan with them a few months later for the same amount. As I was going through the verification, the rep confirmed the date it would be paid back, with the agreed upon interest. Then, she told me if I preferred, I could make weekly payments instead of the lump sum I agreed to. She neglected to inform me that if I chose to do that, all the payments would go to interest only and none would be applied to the principle. When I made what was I thought the last payment and called in to confirm that, I was told that I had been making interest-only payments and that I still owed the full amount on the principle. I refused to pay anymore as I felt as though I had been scammed and I had paid what I originally agreed to. Now it 's in collections and they have threatened me that I would be prosecuted for defrauding a financial institution. This company has several things on my credit that I feel are inaccurate and I do n't know what to do now.
02/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 315XX
Web
I called Big Picture Loan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Big Picture Loan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Big Picture Loan. When my account defaulted they added late fees and interest to the loan. I borrowed {$750.00} on XXXX the XXXX nd of 2021 made XXXX payments of {$100.00}. annual yearly rate 345.09 % finance charge {$2000.00} amount financed {$750.00} after all payments made amount that I would have paid {$2700.00} I am now aware that Big Picture loan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other states. Big Picture Loans, an online installment lender, has agreed to pay {$8.00} million to end class action claims. https : XXXX
03/25/2017 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • FL
  • 331XX
Web
I was in a bind due to my roommate moving out and against my better judgement applied for a {$300.00} payday loan from Big Picture Loans. As soon as it came for my first payment to come out, my hesitation was confirmed. Even though I had sufficient funds on the date of withdraw, the payment was never taken from my account and I was charged an NSF fee that even my bank could n't make sense of and promptly refunded. I received no phone call from the company. Two weeks later, I received another NSF fee. I could n't figure out why sense I had available funds. When I called my bank they could n't explain why either until they discovered that the withdrawal was attempted the previous day as opposed to the agreed upon date. I attempted to email customer service with the issue and was advised to call the number. I did twice to have the line disconnect both times. I am not trying to default on a loan and would like to pay back what I owe but obviously now I have racked additional fees for " late payments '' which were no fault of my own.
05/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MD
  • XXXXX
Web
On XX/XX/XXXX I borrowed from Big Picture Loans the sum of {$800.00}. The first payment of {$220.00} was withdrawn from my account on XX/XX/XXXX with same amount of {$220.00} having with drawn on the subsequent dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all totally {$880.00}. Instead of applying my payments to both the principle and the interest, I was horrified to learn that Big Picture Loans applied the {$880.00} to the interest only. On XX/XX/XXXX I went to my bank and revoked Big Picture Loans ACH Authorization. I also, emailed a letter to Big Picture Loans informing the that their ACH Authorization has been revoked. To which their response was that I still owed them {$4700.00} on an {$800.00} loan. When I applied for the loan, I was told that if I paid the loan back early that the {$5000.00} plus payment would not apply. I paid the money I borrowed plus {$80.00} back in 2 1/2 months. Big Picture Loans is claiming Tribal Sovereignty as an excuse to con their customers into paying ridiculous amounts in interest payments.
08/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 212XX
Web
I knew the stipulations to taking out a installment loan ( air quotes ) long term payday loan. I decided to do so with Big Picture loans aka Castle Payday loans. I made my first initial payment of {$200.00} which covered the finance fee and an additional amount to go towards the principle. Now it 's time for the 2nd payment due and I want to make the same payment. Per there instructions you have to notify them 2-3 business days before the payment date, in which I did. I get an email back from thing 2 days later explaining they had a high email/call volume sorry for the delay but they already processed only the finance charge. This seems like a crook move to me so they can get more money out of my pocket. Something told me to not do business with the company, but I had a bill that desperately needed to be paid. I do n't like the deception in this company. Not to be disrespectful but the customer service people can barely speak proper English and I feel stupid to have even started doing business with them for the almighty dollar.
04/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 021XX
Web
I got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.
09/02/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20874
Web
On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.
08/20/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 28056
Web
I took a loan with Big Picture Loans back in XXXX XXXX for {$400.00}. I have had multiple payday loans before, but I never remember being charged this much interest. However, I went back and looked at the interest rate and notice that it was XXXX %. On this {$400.00} loan, I will end up paying over {$2000.00}. I will not be done paying them back until XXXX XXXX. As of today. I have paid them {$700.00}. I have been able to skip 2 payments. I called them when my last payment was due and ask them if I could make some other type of payment arrangements, because I could afford to pay the payment. They then offered to let me skip a payment for the last time. I have read some of your comments to only find out they are not even licenses to do this. I do n't know what to do because, they have my information and do not want them to call me at work. I also read that you were able to send them a letter and they settle with the customer and will not be able to loan with them again. I would be perfectly fine with that.
10/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 741XX
Web Servicemember
I was approved for a {$950.00} loan with this company " Big Picture '' and was never told that they were charging 800 % interest. They have been debiting my bank account in the amount of XXXX of the loan value every 2 weeks, since taking out the loan. When I spoke with a representative of the company today, to pay the remaining principle of the account off, I was told that I had not paid any principle on the loan thusfar, only interest. " I have paid over {$1900.00} to date on this loan and have not paid any interest '', I said and the representative proceeded to tell me that I may not pay off the loan, without paying an additional {$350.00} servicing fee. So let me get the straight, I have paid almost XXXX dollars on a {$950.00} loan and am left with the full {$950.00} balance plus an additional {$350.00} fee to pay the loan off? That is the definition of a predatory loan. I would like help resolving this issue, as I would never have taken out this loan had I known these issues would exist. Please help!
06/01/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 553XX
Web Servicemember
We have received an email from Castle payday threatening us with VIOLATION OF FEDERAL BANKING REGULATION, COLLATERAL CHECK FRAUD and THEFT BY DECEPTION for a supposed loan of {$400.00} - no date of the loan is given. They claim we owe {$1200.00} due to the 469.29 % interest they charge. We DID take out a payday loan back in XXXX 2012 for {$700.00}. It took us almost a year but we paid it off and have the final payment email to prove it. It was the worst thing we could 've ever done because they rob you blind in interest charges. Obviously, they continue to try and rip you off by making threats of " we reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. '' No phone # is given to call them ; only to email them right away if you want to make a payment and stop these legal proceedings.
09/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ND
  • 58201
Web
I was looking online to get a quick loan for a bill I had neglected that needed to be paid. I selected big Picture Loans. I was approved for {$600.00} with a fee coming to a total of {$800.00}. I talked to the lender over the phone and all that was mentioned was the fee of {$200.00}. I just paid what I thought was my last payment on XXXX/XXXX/XXXX. Making the total {$860.00}. I received an e-mail later on that day that my next payment was scheduled in two weeks. I thought that did n't seem right, and went to check why I still had a due amount. After clicking to review documents I discovered that I was being charged an astronomical amount in 749.4296 % in fees. Making my {$800.00} loan {$4200.00}. I did not agree to this, nor was I informed on such a high rate of interest or I would have not chosen this company. I am beyond enraged that they are getting away with so much of my money. I have paid my due loan of {$800.00} and that should have been that. Not a payoff date of XXXX XXXX for a loan so small.
07/14/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92831
Web
I had applied for a loan from Big Picture Loans in the amount of {$600.00}. I was told there would be a finance charge of {$150.00}, which was n't an issue since I was expecting some sort of interest charge to be accrued for borrowing money. I agreed to the finance charge and the loan was processed. After processing the loan, I was provided with the Loan Agreement, where I noticed in the Truth-In-Lending Disclosures there would be additional finances charges for the remainder of the loan in the amount of {$2600.00} ( which was broken down over XXXX payments ), totaling the loan to be {$3200.00} -- this is not what I was expecting when asking to borrow such a small dollar amount and if I were made aware of these fees before the loan was processed, I would have never processed the loan. But unfortunately for me, the loan was processed first, and then the loan documents were available for me to view AFTER everything had been finalized. This is beyond ILLEGAL, and I will proceed with further action.
12/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30296
Web
Offered {$800.00} but only needed {$600.00} was never told the high high APR % of 448.5174 %. I have paid 6 payments and stopped payments on last 2 payments that were to come out of my bank account. I called and asked why I wasnt told about the over 448.5174 % APR rate. I was hung up on. Then I've called back twice just to wait on hold no answer. People do need help sometimes when an emergeny happens like for me it was a hot water heater gave out and busted but being dishonest to a consumer When I was not told I would have to pay 448.5174 % back on {$600.00} in interest. The true APR rate wasnt shown until after the loan was processed. They should shut this XXXX XXXX XXXX/ XXXX XXXX /big picture loans down. This was a scam Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 448.5174 % My Account is now Delinquent due to the fact I refuse to get ripped off from some company that is lying to people upfront instead of being truthful about ridiculous Interest rates ( APR % )
07/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20878
Web
On XXXX/XXXX/16 I was approved for a {$500.00} loan via Big Picture Loans. I was informed that there was a finance charge of {$170.00}. Everything that I was told indicated that this was a ONE TIME charge that would be paid with the first installment payment of {$170.00} on XXXX/XXXX/16. It was my understanding that {$170.00} would be debited from my checking account until the loan was paid in full. {$170.00} was debited from my checking account on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I recently checked my balance and saw that it is still {$670.00}. Customer service informed me that the {$170.00} debit was only a finance charge and that no principal had been paid. This is outrageous. I paid Big Picture Loans {$700.00} in interest with no impact on the principal. I was completely misled. Having taken out the occasional payday loan in the past, I was totally taken by surprise as this has never before happened. This operation should be illegal. Thank you for your help, XXXX XXXX
01/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 55330
Web
I was approved a loan in the amount of {$600.00}. I chose the 1 yr option. I was led to beleive the outrageous interest rate was on the annual interest rate. However, i recently contacted them to find out how much I needed to pay the loan off. And I was told I owe XXXX to pay this loan off. What??? I have already paid almost 2k for a XXXX loan. This is highway robbery at it 's finest. I told them that the amount of interest is illegal in the state I applied and received the loan in. They said they are a tribal lender, therefore immune to state and federal law. This is so wrong. They should be held accountable just like any other business that operates within the US. Or keep it inside their reservation. Also they need to be upfront and clear about the interest rates. I was led to neleive the interest rate was annual. But to my surprise, it 's on a daily. How is that legal. I checked and the first 6 payments was entirely interest. This was not what I signed up for. They are crooks.
01/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MN
  • 55447
Web
I signed a loan agreement ( loan # XXXX ) with Big Picture loans on XX/XX/XXXX for {$1500.00}. It stated the total amount that I needed to repay was {$7000.00}. I have been making {$590.00} monthly payments for 10 months totaling {$5900.00}. The week of XX/XX/XXXX I took out a {$1600.00} loan from my 401 ( k ) to payoff my account since they told me I was accruing daily interest charges. With the {$1600.00} payment I have paid them a total of {$7500.00}. On XX/XX/XXXX I was told that I owed an additional {$1100.00} ( a XX/XX/XXXX & XX/XX/XXXX payment of {$590.00} ). I contacted the Minnesota Department of Commerce who said Big Picture loans did not have a license in the state and that I should have my {$1600.00} returned. When I contacted XXXX XXXX XXXX on XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXXI spoke with a supervisor. He gave me the run around and I have not heard back. I am only looking for a refund of the {$1600.00} to repay my 403 ( b ) account. Your help is appreciated.
04/06/2017 No
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • OK
  • 74136
Web
I entered a loan agreement with Big Picture loans for XXXX. I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX
08/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 206XX
Web
I initiated an online PayDay Loan with Castle Pay dba Red Rock Lending in the summer of XX/XX/XXXX. I paid the loan off in XX/XX/XXXX and received a receipt from a New York legal company stating 'above listed account has been paid in full with no further legal obligation as of this date '. But this past XX/XX/XXXX another legal company stated a summons was about to be sent for me to pay off the account. I paid again and received another receipt stating no further legal action would be taken ( but then realized I had paid this account off in XX/XX/XXXX) I called Castle PayDay ( now doing business as Big Picture Loans ) and stated the issue and that I needed final documentation that I had paid my account off and that no further action would be taken. I was told by a supervisor that my account was closed, I requested an email and I have not been sent one as of yet. Basically you pay this company off and they keep coming after you threatening legal action. THIS IS WRONG!
09/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NE
  • 685XX
Web
On XXXX I took out a loan of {$200.00}. As of XXXX I have paid back {$260.00}. On XXXX and XXXX of XXXX I tried to pay off the entire loan, but their website would not accept my payment. I tried e-mailing the company on XXXX and received a response on XXXX that basically told me to go on line to pay off my balance. I tried again, and had the same issue. on XXXX the amount to pay this loan off was {$200.00}, and on XXXX, the amount went up to {$210.00}. They tried twice ( supposedly ) and told me that my bank declined the payment. They then told me that they could process it the same way that the bi-weekly payments have been coming out, but that they could not process it until Tuesday, XXXX, and the amount would be even higher. Then when I complained about how difficult they were making it to pay off my loan they told me to call my bank to authorize the payment, but every day that passes, the pay off amount continues to go up. This company needs to be shut down.
11/25/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 32779
Web
I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.
08/12/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30035
Web Servicemember
I was told by the big picture loan that I would have to pay back {$540.00} for a loan of {$400.00} to this date of XXXX/XXXX/2016 I have made XXXX total payments of {$140.00} via automatic draft from my banking account Which equal up to {$560.00}. I have not been late or missed a payment. When I called today to question them about a letter I received from Big Picture Loans for another loan. I assumed my loan was paid in full. I also recieved a email from a XXXX stating that my application had been approved. I did not apply for a loan with them and I believe Big Picture Loans sold or gave out my personal information. I have already paid them more than I borrowed and more than what was stated to me would be my payback amount of {$540.00}. While I was on the phone with the rep she offered me a " courteously '' waive of charges if I gave them permission to withdraw {$400.00} from my account ... .THAT 'S {$940.00} that I would have paid for borrowing {$400.00}!!!!
06/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CT
  • 06451
Web
I answered a phone call that said spam likely today and it was a collection agency saying that a company was going to sue me and garnish my wages. I asked what company and they said it was a Payday company that I borrowed money from XX/XX/2013 called Castle payday. I recall borrowing money and paying it back to this company 1 time with no issues the second time they took more money back then was agreed upon so I canceled the bank account if I remember correctly. I was XXXX on XXXX at the time and still am and was never notified. They have an address on file that I moved out of 9 years ago. They told me they would settle for {$160.00} today by XXXX XXXX. and I wouldn't hear anything from them again. I find this all funny and don't trust it because I believe I paid back this company in Access and they said that they sent a letter asking for {$500.00} and they could settle out of court. I feel like this is a scam because I have no proof or evidence of anything.
02/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 78753
Web
Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.
03/14/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • GA
  • 30157
Web
This is Big Picture loans AKA XXXX XXXX. This Lender is ripping me off my loan was for XXXX, with scheduled amounts to be withdrawn. First they never told me the payments are interest only and second my last two payments have been more than the scheduled amounts. I have emailed them several times about the payments and all they say is the first 5 was interest only and then XXXX extra to reduce the loan. But to pay it off today it is XXXX plus the interest. I got this loan XXXX XXXX. I have found out since they are charging me 911.1925 %, I never saw this nor was I told all of this before getting this loan. As it stands now I will never pay this off because the payments they have scheduled are interest only. I have had payday loans before with another company and the payments I made included interest and money going to principal so the loan would pay off after the number of payments had been made. This company is a scamming people and needs to be shut down.
10/24/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • FL
  • 34746
Web
I had a loan with big picture loans on XX/XX/XXXX. I made my first payment on XX/XX/XXXX because it was a partial payment of {$46.00} because of a hardship. The agent told me if my circumstances dont improve to reach out to see what options are available. I had a family emergency I had to go out of town so I reached out on XX/XX/XXXX to revoke ACH and I explained the situation. And I said when I return I will set up a payment plan. I returned on XX/XX/XXXX I sent an email stating that I returned from out of town and that I would like to go on a payment plan now the account is past due. I just came back from work. And I need more time to get back on my feet. I received an email stating that they are unable to set up a payment plan. I asked if they can do settlement plan that I can afford because I can not afford to pay {$180.00} with the income I have work part time and I do not make enough. I would like a resolution to this problem and the account closed
01/08/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
I received a letter via US Postal Service from " Big Picture Loans '' on XXXX XXXX, XXXX stating that 1 ) I borrowed {$1000.00}, and 2 ), I owe {$950.00} in interest. Also states they have sent me multiple notifications regarding delinquent payments. I attached a copy of the letter to this complaint. I have never entered any business agreement with them. I have never borrowed money from them. I have not received any prior notifications. This appears to be an official document, and a search of the internet does have them as a payday loan company with various prior names and a very bad reputation. I did not log onto their website for fear of this being a scam and/or a front for infecting my computer with a virus. For the same reasons and based on their lousy reputation I did not contact call them nor send an email. Big Picture Loan 's address is : XXXX XXXX XXXX XXXX, MI XXXX Phone number : XXXX email : XXXXXXXXXXXX XXXX URL : www.bigpictureloans.com
09/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 94561
Web
This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you ca n't. Their website is always having " technical difficulties ''. I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than {$50.00} and yet they deducted my usual full loan payment of {$110.00} out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they would n't give me my money back. They said they were going to " escalate the matter '' and call me back but never did. They are stealing from people with emergencies. They are XXXX.
05/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 56303
Web
On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a XXXX XXXX XXXX put a dergatory report of {$880.00} for Pepper Cash loan. Never heard of Pepper Cash. The date opened was unknown and just showed up without any notification received from the debt collector. When I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that Pepper Cash had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate
12/16/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • IN
  • 462XX
Web
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with XXXX ( XXXX ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. XXXX suggested that I log a complaint against such institution here at cfpb Companies are listed as below : CastlePayDay - {$1500.00} https : //www.castlepayday.com/
06/23/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IA
  • 52001
Web
On XXXX XXXX I signed an email consent for a loan with Big Picture Loans for {$1000.00}. My repayment terms were supposed to be 3 payments of XXXX which would equal XXXX which is outrageous but doable for interest. On XXXX XXXX a payment of XXXX was taken from my checking account. I looked up my account on the webpage and it said I was under contract for for 6 payments of XXXX which equals XXXX. I would have never agreed to such terms. I contacted the company via the webpage and got no response. The next day i tried to log onto my account and it was no longer available. I called the company and said they did not have my information and wanted my drivers ' license number and checking account number and social security number to access my account. I was not going to give this information out again. Two days later I log onto my account and there is no information just a note saying the loan is past due. The next payment is n't due until XXXX XXXX.
06/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 92117
Web Servicemember
I took out an installment loan with at the time the company was named castlepayday.com / Red Rock Tribal Red Rock Tribal Lending, LLC d/b/a CastlePayday.com Customer Support support @ CastlePayDay.com XXXX for XXXX $ XX/XX/XXXX. I was unable to pay the first payment and then future payments ceased to go through my account with out a word from them. After a year passes I get a call from a mediator to collect XXXX $ and I attempt to pay the debt with them but they refuse to send me documentation first and say that the company has changed name to big picture loans, I attempted to call them today XXXX XXXX to dispute the matter and they refused to work with me. THis is a predatory lender that never disclosed extra finance charges nor attempted any communication with me to fix the matter. They however took it upon themselves to increase my due payment more than XXXX $ extra dollars. Please help me with this matter and investigate their malpractice.
05/27/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 324XX
Web
I have a contract and billing issue. They loaned me XXXX and electronically debited my savings account for XXXX for XXXX4 months. They than debited my account and twice when they had agreed twice to take out the full amount and my loan would be paid in full.The company continued to debit for an additionally 2 months for XXXX. Instead of the full amount. The contract reads that I can pay off early as long as I let them know ahead of time as stated in their contract. I have blocked my account and paid a {$25.00} fee to the credit union. for the block. I also have an active case with the XXXX in XXXX. I also paid them for at least 4 months XXXX for a {$300.00} loan. Also they call themselves installment loan and payday loan company. They say they are XXXX depending on what day it is. Mine is XXXX but there is only XXXX loan. Also this is the other website XXXX This is the name the original loan company before they became big picture loans.
04/07/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NE
  • 681XX
Web
I received a call today from someone from the " XXXX XXXX XXXX '' law firm, stating that they were suing me in county court over a loan balance that has been paid off for years. I have records to prove that. They told me that they sent me collection mail to an address I have never lived at and have nothing to do with, but that it was too late now to send me anything in writing and that if I didn't pay at least half of what is owed over the phone today then I would " be dealing with the law enforcement and judge tomorrow. '' The man started shouting over me when I tried to ask simple questions, including shouting at me " I know your birthday and whole social security number, so there's no way you can get out of this '' -- and said them both out loud, so yes, he did somehow have my entire SS number. The phone number they left was ( XXXX ) XXXX. This man was frightening, intimidating and lying to try and get {$1500.00} from me.
08/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90717
Web
I took out an installment/payday loan of {$600.00} on XX/XX/XXXX based on a letter I received in the mail offering me this loan. I did not know at this time nor was it disclosed that this lender was not licensed to lend in the State of California. The interest rate was 656 % which was not clearly disclosed during the application process. This is in excess of what is allowed by the State of California. According to the document, I have to make payments in excess of {$700.00} before any of my payments are applied towards the principal. This means I end up being forced to pay interest I have n't accrued yet even if I pay the loan off early. This loan will end up costing me {$1800.00} in interest over 6 months if paid as the company wants. For a {$600.00} loan. I did not realize this company was not operating under federal or state law but instead under Tribal Law. I want all communication to my cell phone to cease including robocalls
01/12/2017 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MI
  • 494XX
Web
I started the loan process but I did not finalize it. Then later I find out they sent the money to my bank account {$400.00} and are taking {$140.00} out three times so far. I had bank stop the transactions but informed me that it is very hard to stop the transactions. This is Big Picture Loans ( formerly known as Castle Payday ) is a short-term loan company offering installment, or personal, loans. This is one of several loan companies operated by the XXXX, a federally-recognized American Indian Tribe. ( In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau ) So that is what I am doing right now, filing a complaint to get this stopped.
01/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33584
Web
On XX/XX/XXXX I sent a complaint regarding : It has come to my attention that lenders must be licensed by the State of Florida in order to offer loans to its residents. This company has no license in my state, the loan contract is not valid. On XX/XX/XXXX, I received {$600.00} from Big Picture Loans. To date, I have had 8 bi-weekly withdrawals of {$140.00} debited from my account. I have paid a total of {$870.00}, of that XXXX in interest and {$55.00} in principal. This is {$270.00} over what I was originally loaned and should more than satisfy my obligation to the company. I am no longer able to make any more payments to this company. On XX/XX/XXXX-The company responded telling me they were not subject to any state laws and : Our records indicate that your current balance is {$810.00}. This includes the Principal Amount of {$540.00} plus the Finance Charge of {$260.00}. Please review and assist with this issue.
07/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 92780
Web
I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017. The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017. To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX
09/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45417
Web
When I agreed to a payday loan from Big Picture Payday Loans, I agreed to a XXXX loan and the XXXX interest to repay it. I was only to pay XXXX total as a re-payment. The first of XXXX I paid the XXXX dollars which was the interest payment. So I tried to pay the remaining XXXX on the end of XXXX and XXXX of XXXX the had added the XXXX back on the loan, and stated that I 'm suppose to pay XXXX each month plus the XXXX that I actually received. They did n't say that when I agreed to the loan. I 'm on a fixed income so had I known they were going to do this I would n't have done it. I paid XXXX on the first of XXXX, and again the said I still owe XXXX the are not even crediting my account. I asked to speak with a supervisor and they never would transfer me I kept getting " disconnected ''. I had to close my bank account in order to stop them from causing me overdraft fees. I need some assistance on what I need to do.
05/12/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55372
Web
I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.
07/07/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • NJ
  • 08757
Web
I took a loan with Big Picture loans. They were supposed to deduct the first payment on XXXX XXXX. I checked and it was not done. I called to ask why and they said they did attempt to deduct it but my bank denied it saying I stopped payment on it. I checked with the bank and no such thing happened. They then said they would deduct starting XXXX XXXX. No deduction and today I get a message again saying that my bank denied it and that I had stopped payment on it. This is totally incorrect. I feel these people are taking me and eventually will tell me I am past due when they are obviously not deducting the monies. I am not going to contact them again this time as they are lying. My bank said no attempt was made by them to deduct monies and there is no record that I stopped payment. They already want to charge me {$30.00} for being late when I am not late it is their fault. These people need to be stopped.
11/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33411
Web
I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.
12/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 64133
Web
I don't even remember accepting a loan with this company XXXX XXXX XXXX and I received a call saying they were coming after me for fraud. I asked them to send me a contract or some type of information and the lady told me no. She is a mediator and the call was to see how we can get the debt resolved. I told her the debt was not mine, she insisted that is was and would not send proof. I eventually hung up on her. She did state that the debt was from XX/XX/XXXX and I have not received any information regarding this prior to now. I have been at the same address since XX/XX/XXXX. The called me and threatened me through an automated system and told me that that served as notice and that if I did not contact them today, they were going to sue me and the call hung up. So, I returned the call, they verified my information and told me what I mention above. I don't know these people but they sure know me.
10/24/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • AK
  • 99508
Web
XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!
08/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KS
  • 672XX
Web
Due to personal financial issues, I have had no choice but to resort to payday lenders and these high interest rate, last ditch effort loan companies. I borrowed {$400.00} on XX/XX/2018 at an APR of 347.5685 % and will end up paying a total of {$820.00} with my last payment on XX/XX/2018. I called the lender on XX/XX/2018, the date of my first payment, to inform them that I would not be able to make my first payment. I asked if they would be willing to settle on a lower payment plan or stop accruing interest. They said that there is nothing they can do and I am set on the terms of my agreement and will just have to fall behind on the loan. I understand that I agreed to the amount owed, but I can not afford to pay back over twice what I borrowed. I am hoping to be able to settle this debt for something around 18-20 % APR but have been unsuccessful in reconciling with Big Picture Loans.
08/18/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08817
Web
I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.
05/27/2016 No
  • Payday loan
  • Payment to acct not credited
  • GA
  • 30080
Web
Borrowed {$800.00} from Red Rock Lending, the XXXX was not disclosed and it was 849.0116 %! I had scheduled automatic drafts to come out of my bank account in the amount of XXXX. And after the last draft came out to cover my loan amount, they continued to draft and I have to stop payment on them. This was last year. I have now been harassed by some company called XXXX XXXX saying that I owe XXXX. They are calling my job and people I know. I have no idea how they got their numbers either. They call me 5 times a day. I have never received any formal letter saying about owing money either from either company. The way the company was talking to me was like a scam and when I asked for formal documentation they started to get defensive and said " guess we will continue to call you everyday '' and " good luck ''. I do not find this to be the typical behavior of a credited company. Please help me.
03/19/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 27616
Web Servicemember
I have received a loan for XXXX associate with red rock tribal leading for {$600.00}. I told them over the phone I agree the pay {$750.00} total with the interest included. I already pay two payment one for ( XXXX ) and other for ( XXXX ). which is a total for ( XXXX ) so far. The payment comes out of my account BI-weekly. I was misleading information fees and total repayment amounts. I found out that I have to pay 5 payment for ( XXXX ) for the interest charge on the loan before I start to pay on the principle on my loan. I would be paying XXXX total on a {$600.00} loan which I never agree to. The customer service was difficult to receive help from them. I feel like this is a SCAM and they can not answer my questions and they are very difficult to talk to over that phone. they never stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.
01/28/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • IL
  • 60619
Web
On XXXX/XXXX/17, I received an email notification from Big Picture Loans reminding me of a loan payment due on XXXX/XXXX/17. I contacted their Customer Service Number on XXXX/XXXX/17 requesting to delay my loan payment until XXXX/XXXX/17, as my Employer changed my Payroll Schedule from Semi-Monthly to Bi-Weekly, effective XXXX/XXXX/17. When I initially stated this to the Customer Service Representative, before she could give me a response, she insisted she could n't even address this issue until I first request my Social Security Number ( Mind you, I had given the Customer Service Representative my Loan Number, and she stated { As the phone call was recorded } she pulled up my account ; BUT, as part of Big Picture Loans Verification Process, she would need my SSN ). After going back and forth, I reluctantly acquiesced ; and she then tells me she ca n't extend my loan payment date.
06/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48071
Web
I applied for a payday loan and was approved. After being approved and making XXXX payment of {$210.00} to the company whose full address and name is listed below, I found out before having to make the next payment that we would in fact have to pay a finance charge of {$3600.00} which would be spread out between XXXX payments lasting a year which would begin decreasing through the life of the loan. Our initial loan was for {$600.00} and by XXXX XXXX of 2017 we will have paid a total of {$4200.00} which is more than 7 times our initial loan. When I applied and was approved for the loan I had no idea they were going to be making me pay so much. I can understand having to pay some money more over a couple of months, but 7 times the money I borrowed seems illegal. Below is the address and name of the company. Red Rock Tribal Lending, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX
04/02/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 746XX
Web
I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.
07/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • KS
  • 672XX
Web Servicemember
I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. {$2600.00} Amount Financed The amount of credit provided to you or on your behalf. {$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. {$3200.00}
06/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 460XX
Web
I made a HUGE mistake of taking a loan out with these scam artists, I was approved for a {$1000.00} loan, and I was told that there would be a {$350.00} finance charge, and although that seemed high, I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure NOT visible at the time I accepted this loan showed an APR of, and this is not a typo either, 779.0804 % and that the total repayment amount for my {$1000.00} loan would be {$9900.00}. After realizing what I had gotten myself into, I started looking online and saw what kind of company this is, they are a predatory lender engaged in illegal business practices. I am a single mom ( so single income ) with XXXX children and no child support. I will not be able to eat or feed my children if i have to pay this ridiculous finance charge. Please help.
12/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 31410
Web
I took out three installment loans with Big Picture Loans in XX/XX/XXXX. The first was on XX/XX/XXXX in the amount of {$220.00} with an interest rate of 697.0807 %. It has been paid in full. The second was taken out on XX/XX/XXXX in the amount of {$600.00} with an interest rate of 697.0929. It has been paid in full. The third loan was taken out on XX/XX/XXXX in the amount of {$1500.00} with an interest rate of 485.0505 %. I stopped making payments on this loan when I discovered that this loan, along with the other two loans are illegal in the state of Georgia, which is my state of residence. According to Georgia 's interest rate laws, the Legal Maximum Rate of interest for any loan {$3000.00} or less is 16 % and only simple interest. ( 7-4-2 ) The Penalty for Usury ( Unlawful Interest Rate ) is forfeiture of entire interest and a criminal penalty. ( 7-4-10 ) ( 7-4-18 )
07/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 27265
Web Servicemember
Back in XX/XX/2019, I was desperate for money so I took out a loan with Big Picture Loans for {$2000.00}. This is through a XXXX XXXX XXXX that charges extremely high-interest fees. Like over 346 % interest. I have made 13 payments of {$280.00} making a total of {$3700.00} so far. If payments were made to fulfill the loan it would total over {$7400.00} for a {$2000.00} Loan. This is crazy and I have found myself in a debt trap with no way out. These payments are deducted from my checking account every 2 weeks as I'm paid bi-weekly. I have already repaid them well over the principal amount borrowed and plan to block these automatic payments through my bank as I can't afford to continue being ripped off by this company. It was after desperation that I took this loan out in the first place and have since found out that these type loans are illegal in North Carolina.
02/03/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92056
Web
On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
06/01/2017 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
  • TN
  • 377XX
Web
A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
08/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01821
Web
On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.
01/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90043
Web
We've attempted to settle the payoff amount and no one has returned our email from XXXX Here's one of several emails we sent from: XXXX XXXX to: XXXX date: Thu, XXXX XXXX, 2018 at XXXX XXXX subject: Settling Account mailed-by: XXXX To Whom It May Concern: Loan No.: XXXX We're a charitable non-profit organization that borrowed the money to so we could clear up a debt to receive a grant. We received the grant yesterday and would like to pay off the loan, and ask that you allow us to pay off the lowest amount possible. We will provide you with a tax deduction for any amount that you can provide. The original amount of the loan was $XXXX initiated XX/XX/XXXX, and we made the first payment on XX/XX/XXXX, and the balance of $XXXX is accruing interest daily. We're prepared to make a payment immediately. Respectfully, XXXX XXXX XXXX XXXX XXXX
04/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KY
  • 40205
Web
Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.
06/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IN
  • 47714
Web
They would not let me pay my loan off 2 days before the next payment plus there were substantial fees that were not made aware to me or misleading. Not only can you not understand the people in customer service but they are very misleading. Was told I needed 24 hours minimum to pay full loan off before next payment was taken directly out of my account. I called two days before that and they would not let me pay my loan off until a payment was taken out. This way they could build up more interest and make more money since none of the payment goes to principal. I dont know how they get away with this, predators picking on the poor is whats happening and just because its a Native American tribe the government cant do anything about it. These places need to be shut down and people need to be more educated about these establishments, including myself.
01/17/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 610XX
Web
A loan was taken out in XX/XX/XXXX for {$1000.00} by XXXX XXXX. The loan payments were made for about 6 weeks totaling roughly {$500.00}. After that, XXXX was unable to make any more payments on this loan and defaulted. He was contacted in XX/XX/XXXX by XXXX XXXX XXXX on behalf of XXXX XXXX in attempt to collect on the loan. A settlement was reached of {$310.00} and would be paid by three payments. The settlement was paid and assumed a closed matter. Fast forward to XX/XX/XXXX and XXXX is now receiving calls on this debt from XXXX XXXX XXXX XXXX in an attempt to collect. XXXX has sent them the settlement release form that was received from XXXX XXXX XXXX and they are not attempting to resolve this. XXXX considers this debt to have been resolved inXX/XX/XXXX and is not favor of harassing calls 2 years later after hearing nothing since XX/XX/XXXX.
10/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MI
  • 48504
Web
I was inquiring about a loan of {$400.00} from Big Picture loans. I made it to the final step and decided I didn't need the loan. I then recieved {$400.00} from the loan company. When I noticed I called to find out how I recieved the money if I did not finish the loan application. I was given the run around until finally I became frustrated and hung up. They started taking {$140.00} from my account every other week. When I called to inquire how long it would take to pay off after the payments never stopped they tried to look up my account with an email Address but said that they did not have an email Address on file because the application was never completed. I would not provide them with my email Address because they told me that all loan agreements must have a email Address in order to be signed. They now say I still owe them over {$600.00}.
10/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95688
Web
I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.
06/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29673
Web
In XX/XX/2018 I opened a loan for {$720.00} online. It wasn't until I started receiving emails with the next payment due date that I noticed the principal never went down. I waited to look into it because I assumed it was an interest before principal issues and thought it would begin to show a change after a few payments. I tried to call and speak to someone and they can never seem to hear me or just hang up. I have since sent an email and the response is automated and states they will get in touch with me in the order that it was received. I haven't missed a payment but after looking at loan agreement I see that I am paying 698 % interest. Is this legal? I have already paid the original XXXX $ back almost 3 times now. By the end of the loan, I will have paid well over 3000 . Is there anything I can do since I signed the electronic document?
01/31/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • FL
  • 33185
Web
I applied and received a loan from Castle Payday. After Castle Payday closed operations, apparently they transfer my obligation to a third party, Big Picture Loan. I continue paying to Big Picture Loans for almost 15 months, but XXXX day I received a call from another company, XXXX XXXX, claiming that Castle Payday transfer my debt to them and not to Big Picture Loan. After I received a letter from Big Picture Loan clarifying that indeed they were receiving my money by mistake and they ( Big Picture ) will refund me with a check for the total amount, I decided to pay my total debt to XXXX XXXX. That was 3 month ago. After that, Big Picture Loan never returned my money. Several calls from me to Big Picture have been for nothing. They said that the check was sent, I never received anything. I felt like my money was stolen by this company.
03/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MS
  • 387XX
Web
Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.
11/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 20165
Web
When I got the loan I was told I would pay {$150.00} finance fee for the {$600.00} I borrowed. It would be a total of XXXX payments of {$150.00}. Never got any notifications when payments were being processed for those XXXX payments, then got a notice that they were going to process another payment from my account. When I contacted them they stated that was the process and they apologized for the inconvenience but those payments were each finance charges because I had not paid back the {$600.00} yet. I believe this whole thing is a Scam. They originally sent me papers saying a finance charge of over {$3000.00} and when I talked to someone I said I no longer wanted the loan because that was crazy I was not going to pay {$3000.00} to borrow {$600.00}. And that when they told me I 'd only way the XXXX payments of {$150.00}. And be done.
08/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30083
Web
I inquired about the loan after receiving a letter in the mailast. I applied for the loan and was approved for {$900.00}, but only took {$550.00}. I was told that I had a small finance charge. I was not able to see the paperwork until after the funds were deposited into my account. I called and actually did not accept or sign anything initially, but funds were deposited. I thought that was how it worked. However, after I received the funds I read the paperwork and that 's when I discovered that over the next two years I will pay {$2400.00} or more for borrowing {$550.00}. I asked about it and was told that if I paid it off early it would be {$750.00}. Which is reasonable, but that was only if I paid it off by the first payment. I have been trying to gethe them to reduce the interest charges, but they will not do anything about it.
09/23/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 181XX
Web
XX/XX/2013 I borrowed a loan in the amount of {$500.00} with a Company Called Castle Payday. I Paid off the amount of {$500.00} in full within 3 months and for 5 months straight they continued to debit {$20.00}, {$40.00}, {$35.00} on a weekly basis out of my account which totaled to a amount of {$890.00}. I called XXXX XXXX and told them that I payed them off and I do n't know why they were still debiting my account. XXXX XXXX XXXX XXXX left me threatening voicemail messages saying that they were going to place a lawsuit against me because I now owe them over {$6000.00}. For court fees and remaining interest balance of {$1000.00}. He offered me payment options, even told me that they are going to sue me. I was not aware of the remaining balance or interest. I never received anything in the mail, email and nothing is on my credit.
04/14/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • GA
  • 30067
Web
Complaint # XXXX Spoke with Big Picture Loans at Length with XXXX the manager she scheduled the date of XX/XX/XXXX that my acct was to be credited $ XXXX+XXXX for overdraft fees. Called XXXX to see why funds where not credited to my acct and she told me she was sorry that the acct was closed out and that I had to call her back to schedule another date to credit the acct. On XX/XX/XXXX I called to schedule a date and she told me that my acct was being reviewed by the law dept since I filed a complaint with the consumer financial protection bureau and there is no date to credit the acct. She stated that they would contact me she She had no more info and still couldnt credit acct until the investigation is over. I cant believe that these people are still stalling I never gave consent for my acct to be debited after it was paid off.
07/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 33445
Web Servicemember
my credit report shows a debt in collections from a peppercash.com. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. peppercash telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. Red Rock Lending www.peppercash.com Big Picture Loans
02/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 24112
Web
I applied for a loan of {$500.00} online on XX/XX/2017. The page with the terms of the loan would not load until I electronically signed it. It finally let me see the terms after the money was deposited the next day. I also believe that this was an illegal loan offer for a Virginia resident even though they claim tribal immunity. Tribal law should not apply. Other payday loan companies such as XXXX XXXX XXXX and XXXX are no longer allowed to offer loans to Virginia residents because Tribal law doesn't apply and is illegal in this state. My interest rate was a whopping 474.8426 apr. My first ten payments of {$100.00} biweekly all went to interest. I paid a total of {$1700.00} in interest on this {$500.00} loan. I asked for a refund for the interest amount because I should only be responsible for the principal. I was denied.
06/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20735
Web
On XXXX XXXX, 2016, I applied for a loan with Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I was approved for {$600.00} and told that the total amount to pay the loan off would be {$810.00} ( with an interest rate 35 % ). I agreed over the phone to pay off the loan at {$810.00} ; however, after the money was deposited into my account, Big Picture Loans sent me a different agreement which stated that my annual percentage rate was 740.258 %, and instead of {$210.00} in finance charges, I would pay {$3600.00} in finance charges. I called the company after discovering this and informed them of my concerns and was unable to resolve the issue. As a result, they have automatically deducted {$210.00} every two weeks from my account, to date, totaling {$1000.00}.
06/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 34205
Web
{$200.00} on a. {$400.00} which will make the total amount {$600.00} loan they told me thats the intrest and principle on the first payment i wanted to pay their principle and intrest off leaving remaing balance of XXXX the next month they want to place another XXXX agin which they saying the intrest anr princilple on the XXXX making it {$600.00} agin so they would get an extra {$400.00} out me they qoat some bougus principle and intrest amout after called them i try to resole this but they go around in circles like they program to say samething and i ask to speak to the manger its not a manger this loan company is called big picture loans i want to know if its legitimate business also they stated that i was a value custmer and get discount XXXX off did not get it also when i ask for corporate number they said was a email
10/30/2019 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
  • GA
  • 30265
Web Servicemember
On XX/XX/2019, I filled out an application for payday. When completing the application it asks when did I get paid. I marked XX/XX/XXXX and the last day of the month. Before signing the application and accepting the payment I stated to the representative that I get paid on the XX/XX/XXXXand last day of the month. The representative stated that it wouldn't be a problem and they will correct. Once I notice that they didn't fix the problem I called them back. The representative told me that there nothing I can do about the contract was signed. I am explaining to the representative that I don't get paid until the XX/XX/XXXX which is the last day. The representative started getting smart and I told me that the issues wasn't going to get fixed. I need them to resolve the problem because it causing my account to be overdrawn.
09/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • XXXXX
Web
On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract. Hoping for your assistance on this matter. Thank you
09/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • IN
  • 465XX
Web
Over the phone loan based on a " you qualify '' flyer from bigpicture loans. They told me I could pay it off in XXXX payments and that my payment would be {$100.00} per pay check because they would put me on special payoff plan. I borrowed {$500.00} after XXXX payments I called to make sure it was paid off and they said I still owed and had n't paid anything off, only interest and that it is set up for XXXX payments set up for 785.79 % that ca n't possible be legal. I called them and they said I just have to pay it because they post the rates and payment schedule on line even if I did agree over the phone, also they are a XXXX that is not subject to US Federal regulations. I now have paid {$980.00} and they say my loan is till {$420.00} out of the {$500.00} i borrowed. There is no way this can be legal, how can this be.
11/22/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • TN
  • 371XX
Web
I applied early on Wednesday. I was told I had applied and was approved early enough to have the money in my account the next day. I did not. I called and was told it would be in my account the next day. It was not. I waited another day and on Saturday, still no money. I called and was told they had a " system error '' and that I would get it Monday. Well, I doubt I will. Even if I do, that is almost a week later than I was assured I would get the money. I asked about adjusting my payment date and was told they could n't. I asked about lowering the interest charged on the first payment, since I was now, at best, getting the money 3 weeks before the first payment is scheduled instead of almost a month. I was told they could n't change anything. They are charging me interest on money I do not have. This can not be legal.
09/14/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 70448
Web
I tried to pay the loan off online on Monday, XX/XX/XXXX and the system would n't allow it as the total amount the system would allow me to pay online was {$1100.00}, but my loan balance was {$1200.00}. Called on XX/XX/XXXX at XXXX pm to pay off my balance to be told that they had already processed my 1st ACH payment on the loan ( which was n't due until XX/XX/XXXX ) for {$220.00} and they could n't give me a balance to pay due to the early ACH. I asked to speak to a supervisor, who told me the same thing. I will now be charged the {$220.00} on top of the nearly total balance as this payment goes almost totally to and fees. I was expressly told that I would be able to pay the loan off early, and in this case, I tried to pay the loan off before my 1st payment was supposed to be deducted. Completely unethical behavior.
09/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30815
Web Servicemember
I received a flyer in the mail about being pre-approved for a loan of at least {$400.00}. I applied for the loan online at bigpictures.com, within 10 minutes I received a phone call from a rep at big picture loans. I was informed I was approved for a {$800.00} payday loan and my interest would be {$280.00}. Total loan amount {$1000.00}. So I agreed to that term which seemed fair. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure was not visible at the time I accepted this loan and the loan had been processed and funds deposited in my account, it showed a APR of 739.9891 % making my total pay back amount {$6800.00}, finance charge amount is {$6000.00}. Big picture loans has debited a total amount of {$840.00} from my account my past three paydays.
11/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KY
  • 42104
Web
I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX
05/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98502
Web
I received a pre-screened offer from Big Picture Loans, a tribally owned loan company ; XXXX. I applied online but got to the terms and was confused as I had never seen terms explained in the wording they used. " Loan amount : {$750.00} Loan rate : 550 % Term : 6 months. '' They did not state APR, so I called to see what " loan term '' meant before I pressed continue. I was told that 550 % IS the APR! I was absolutely appalled. XXXX told me on the phone, a loan of {$750.00} at {$160.00} for 13 payments. That equals {$2100.00}! For {$750.00}!? I have never heard of an apr higher than 29.9 % for people with horrible credit. Now I understand that they are their own government and the regulations do not apply to them, but this is robbery. Something needs to be done about the way they are conducting business.
09/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92507
Web
I took a {$700.00} loan and repaid {$620.00} of the principal. The loan company is making it difficult to pay off my loan. I have tried to pay it off online and it refers me to their customer service number. Two times I have set up a payment with the lender and twice I have been told it did not go through. I recently called and asked to pay off my loan. The representative informed me that the pay off was around {$160.00} and I decided to do that. The payment once again did not go through and the company is telling me now that the payoff amount is above {$400.00}. This is because of the huge daily interest they charge. I feel they are not taking my payments on purpose to continue accruing interest. Especially since they are using the original borrowed amount for interest instead of my new principal.
10/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32960
Web
In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails
09/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 34667
Web
I received an offer in the mail for a loan and applied. When I was approved it stated the {$600.00} loan would have a {$400.00} interest fee. I believed I would have to pay {$1000.00} total. The company does not disclose the full terms of the loan until after the contract is signed and the first payment due. After making payments and attempting to work with them, I have found that despite paying them over {$800.00}, they still claim I owe {$1400.00}. I have also learned these loans are illegal in the state of Florida but this company tries to claim immunity under tribal law, despite a 2014 ruling that tribal lenders are still under the rule of the FTC regarding payday and installment lending. I want the account closed as I have more than PAID IN FULL the amount borrowed and legal interest.
02/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ME
  • 04005
Web
I took out a {$400.00} loan on roughly XX/XX/2017 under the guise of a high interest rate and {$120.00} payment per pay period but now I am being told the {$400.00} payday loan will end up being {$1400.00} with interest! Even if paid it off early. Right now my total amount due is supposedly {$800.00} and thats {$400.00} principal and {$400.00} interest! I have revoked ACH authorization from the group ( after reading stories of similar situations ) and will be happy to settle this matter but not for {$1400.00}. That has to be illegal. I feel based on similar type loans that {$500.00} would be fair in payments I manually initiate every 2 weeks when I am paid. Through further research I have discovered that this group is facing multiple class action lawsuits. XXXX XXXX XXXX Thank you
04/16/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 215XX
Web Servicemember
I applied for the loan. When I asked them if the {$500.00} fee was a XXXX time fee they said yes it was a XXXX time fee. They asked for my credit card information so they could take out payments. they charged me {$500.00} for my XXXX payment on XXXX XXXX and recharged me {$500.00}. The person I spoke to never said that they were going to charge that monthly till the loan was paid off with their montly fees. If I would have known that I would not have taken the loan. for them to take out payments was XXXX think to take back {$1500.00} which would have been the {$1000.00} loan and the {$500.00} finance fee, but they are chargeing {$500.00}. I found that part out after I called them back after the first tofindo out why the loan had not gone down any and why there was another {$500.00}.
08/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33411
Web
I accepted an offer from Big Picture Loans for {$1500.00}. I wanted to pay it off before the first payment was due and called them to do so. They accessed my savings account instead of my checking account and the payment did n't go through. The payment was for {$1900.00}, I spent over 1 1/2 hours on the phone with them being transferred and transferred until I finally gave into the crooks and paid them {$1900.00}. At one point they even got my bank on the phone and my bank verified all of the information that they had but they still accessed the savings and not the checking account. After 1 1/2 hours speaking to people that could barely speak English I gave in and paid the additional monies before I lost my mind. They are crooks and should n't be allowed to do business with anyone.
11/10/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27405
Web
BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.
08/03/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NJ
  • 07017
Web
Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of XXXX companies, but when forwarding the information to me, it only referred to XXXX company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either XXXX. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
10/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 34601
Web Older American, Servicemember
I needed to borrow some money to pay some bills that were due and I did n't have enough money to pay them. I contacted several different loan companies but no one would loan me any money. Big Picture Loans said I could get a loan.. I signed the contract by e signature. At the time I did n't know I was going to have to pay back not just the {$500.00} but a total of $ XXXX.That is a total of {$2600.00} plus the {$500.00} I borrowed. I called them and they told me I had to pay the {$250.00} a month until the loan was paid off. I do n't mind paying a finance charge on the money I borrowed, but to pay over {$2600.00}. I do n't have that kind of money. I am on a fixed income ( Social Security ) I just ca n't pay that kind of money back. This should be against the law. Thank You,
08/15/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44256
Web
Big Picture Loans sent me a letter dated XX/XX/2018 stating that they have tried to contact me numerous times about the delinquent status of my account. I have never done business with them. The letter states I owe {$1000.00} principal on a loan plus {$1100.00} in interest. The representative at Big Picture Loans only told me that an inquiry was placed in XXXX of 2018. He then asked me for my social security number and my personal bank account and routing numbers - I did not provide any of these and ended my call with the representative as this entire thing feels like a scam. I immediately checked my 3 credit reports and see a number of hard inquiries on XX/XX/XXXX from various companies - I will be submitting separate false credit reporting requests for each of these also.
10/20/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 32746
Web
You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.
03/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77380
Web
I had took out a loan from Big Picture Loans for the amount of {$550.00}, agreeing that there would be a interest rate and a payback period. I was informed they would take out {$140.00} until the loan was paid off with their interest. I was unable to view the " truth-in-lending '' disclosure in detail until the funds were already in my account and that they would be charging my account 697.0857 % interest and I would not be able to pay off the loan until I paid back {$3100.00}. To date i have paid back {$1000.00} wit only {$31.00} taken off the principal balance. They claim they are an XXXX XXXX and are immune to federal US law. There is no way to pay off your balance in full and I fear that they will try and Refinance and cease to stop taking payments from my bank account.
06/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 75189
Web
On XX/XX/XXXX I filled out an online application with Big Picture Loans. The loan was for XXXX with a total monthly payment of XXXX for 10 months.I agreed to those terms.The true payment is XXXX for 26 months or XXXX for an XXXX loan.Once the loan funded I was able to see my truth in lending document which shows an interest rate on 697.09 % on an XXXX loan. I called the company on XX/XX/XXXX and was told that since the documents was already signed and money deposited that there was nothing I could do. I was told that they do not operate under US law and that they operate under Tribal law. They are now calling me daily. I explained to the representative that I will gladly pay back the XXXX however was told that XXXX would only cover the interest. Im at a loss of what to do.
02/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 974XX
Web
I received a {$1000.00} loan from big picture loans on XX/XX/XXXX. I read the terms and conditions and the interest rate was 500 %. No where did it state that this was owned by a XXXX. They said I would have to pay {$230.00} PER MONTH. I agreed because I wanted to pay it off the next month. I received and email saying they were going to debit my account again on XX/XX/XXXX after they already had on XX/XX/XXXX. The terms I received specifically states once per month. Not every two weeks. When I call its either no answer or its a round about with them. I cant get ahold of them to pay it off. I am being scammed and this is a huge fraud company. I now have to close my account because all they are doing is continuing to charge me interest and will not let me pay it off in full.
05/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • IL
  • 60620
Web
I took out a loan with a company called castle payday of {$400.00} dollars which I could payback within 30days it was my understanding that I could pay this loan back without being charged to much interest on my loan I come to find out that this company tried to have me pay {$1700.00} on this {$400.00} dollar loan which is absolutely insane this company is a predatory lender and I would like to have at least {$500.00} dollars returned to me this company should no longer be allowed to be in business it s outrageous that they are allowed to be in this nation ruining people s lives money is very hard to come by nowadays I don t know anyone who can afford to give it away like that please shut them down so no one else has to suffer the way I have these past 8 months thank you.
07/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85014
Web Servicemember
I applied for a payday loan from Big Picture Loans. I was told that I would be paying {$280.00} in fees with the {$800.00} I borrowed. I agreed to those terms. I was told they were having a problem with sending me the paperwork electronically. I thought something was strange when an extra payment was taken out but thought maybe I made a mistake on when the first payment was made. When I received a message stating they were going to take another payment, I checked my account an realized they had already taken too much. I went to their website ( https : //www.bigpictureloans.com ) and was able to see the loan document ( attached ). They 're attempting to charge me {$6000.00} for an {$800.00} loan! I 'm a reasonable person and there is no way I would have agreed to that!
12/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 314XX
Web Servicemember
On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.
05/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22802
Web
When I realized I was struggling to pay off this loan, I attempted 3 times to contact the company regarding the issue. I was informed that they got my email, but they refused to talk to me further about ways to resolve the issue. Instead, they continue to charge me finance charges every 15 days, now almost doubling what I currently owed. Another loan that I received have worked with me in resolving this issue, b ut Big Pictures did not, and refuses to. I am now working with a credit resolution in an effort to try not to file bankruptcy. Big Picture L oans is a company that is impossible to contact and does not respond to my emails except with form letters. They do not allow you to pay off your loan but instead implement a new application each 15 days with a new number.
11/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 662XX
Web
On XXXX XXXX, 2016, I applied for a loan of {$1000.00} from bigpictureloans.com. I was informed that there would be a " finance charge '' of {$350.00} and that would be worked into my fixed payments. I agreed to this and accepted the terms of the loan as i was somewhat desperate. I was not made aware of the interest rate, nor that the first XXXX installments of the loan ( {$350.00} each ) were solely " finance charges, '' until after the terms were accepted. It was not until I logged into the account, after making the first payment on XXXX XXXX, 2016, that I was able to see the truth in lending disclosure. This states that my interest rate is indeed 1,073.2674 % APR and that the finance charge is {$8900.00} this makes the total amount i would be paying back {$9900.00}.
06/01/2016 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • NC
  • 287XX
Web
I applied to a pre-approved loan. Once applied, I was approved and was told to sign ( online ) the agreement form in order to process any further. I read the loan agreement and decided not to pursue any further due to the interest rates they intend to charge. For a loan of {$250.00} they want to charge an interest rate of 865.8168 %!!! The total amount to pay back according to the agreement would be in the amount of {$1100.00}. Now again, this is for only a {$250.00} loan. Now they are harassing me through multiple phone calls a day and emails. I do not want to do business with them if they are trying to use me like this and I wish them to answer to their reasoning of charging such an insane interest to people who desperately need the money in order to make ends meet.
05/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • RI
  • 02895
Web
Yes and Hello I was first approved for a loan for the amount of {$270.00} in XX/XX/XXXX and had to pay a full amount of {$270.00} only in XX/XX/XXXX no interest because it was the due date the XX/XX/XXXX or XX/XX/XXXX of the month. Now i reborrowed in XX/XX/XXXX and was approved for {$250.00} and my due date was XX/XX/XXXX, {$250.00} only no interest if i pay on time. I pay it on time for {$250.00}. Now XX/XX/XXXX come around I reborrowed and was approved for {$250.00} so I accepted it. And when XX/XX/XXXX comes around they said I owe XXXX with interest I said no I just paid my last 2 loans with no interest. I'm not paying so if this go further I will make a complain with your company for Fradulent papers because I pay the last 2 with no interest and damaging credit.
01/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MT
  • XXXXX
Web
Applied for Payday loan ( XXXX/XXXX/2015 ). Received {$600.00} in Acct. Agreed to pay $ XXXX/month. Was debited {$350.00} XX/XX/XXXX, then a few days later, on XX/XX/XXXX, debited another {$850.00}. This was not my payment schedule or an agreement ( that I entered into, knowingly, or with ALL the facts ). This caused me to become ridiculously overdrawn, and then when speaking to them about my issues with their business practices, they offered me a {$1500.00} dollar loan ( " to help '' ), which I immediately refused. This is a huge problem, I was supposedly paid off but now they are telling me I still owe like {$520.00}!?!!!! I have paid over 3x ( closer to 4x ) the amount of the loan received, this is a disgusting case of usury. Do n't do business with these people!
11/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33314
Web Servicemember
I borrowed XXXX from Big Picture Loans ( XXXX ). I initially thought I 'd be making a monthly payment to pay it off. Then I realized I 'm being charged {$700.00} a month for this loan and my pay off date is n't even until XXXX. I am expected to pay over 8000 on a XXXX loan. This is outrages and I have no way of paying this. Then when I went to " my account '' or whatever the page is supposed to be, it shows my pay off amount as {$0.00}. And it shows my application date as being today, XX/XX/XXXX, when I initially applied in XXXX. I 've paid {$1000.00} so far and am expected to pay {$700.00} more dollars this month alone. This whole thing is incredibly wrong and I ca n't believe I am involved in such a situation. I hope these thieves are stopped ASAP! Please Help!
02/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98387
Web Servicemember
On XX/XX/19, I called Big Picture loan to advise them my funds were not going to be available and I would pay the full amount off on XX/XX/19. I asked for the total amount due I was told {$800.00}, I have already paid them {$710.00}, back on a {$1000.00} loan. At the time I applied for the loans I was told there were no penalties for early pay off. I asked the person I was speaking with today how for the total amount due and was told {$1100.00}. So basically they are try to charge me $ XXXX on a {$1000.00} loan. This company is misleading and the representative tell you lies to get you into the loan. Trying to avoid interest fee by paying it off early and they still charge you. They're fraudulent company that send you fliers in the mail constantly. Please help!
11/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 974XX
Web Older American, Servicemember
I received a preapproved offer in the mail. I asked for a loan of XXXX XXXX XXXX XXXX dollars. I was approved and could view the payment dates and amount. But could not view the truth in lending disclosure nor the total interest of the loan tell after I had accepted the loan. I had to have a friend down load a p d f viewer. The loan was funded 0n XX/XX/XXXX. The first payment of XXXX made on XXXX. The second payment was made on XXXX. I called big picture loans on XXXX. Spoke with XXXX on a recorded line. Was told the payoff on the loan is XXXX XXXX XXXX dollars. I said this is a mistake. I 've cancelled bank payments and contacted XXXX XXXXXXXX Attorney General who advised me to file a complaint with the XXXX XXXX Attorney General and provided the phone number.
07/12/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • FL
  • 33442
Web
I borrowed {$600.00} from BPL and during the initial process I was told that the pay back balance would be {$810.00} with a monthly installment of {$210.00} via ACH payment. To my surprise BPL took the installment on every pay cycle that is the XXXX & the XXXX and the overall installment would end in 2017. So far I repaid {$630.00} and they advised that the pay off is in fact {$810.00} and the installment would incur fees which was never explained to me at the outset. I consider this evil and would like the Consumer Financial Protection Bureau to help with the following : 1.misleading information about due dates, fees, and total repayment amounts 2.incorrectly stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.
08/23/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 94597
Web Older American
I am a XXXX of XXXX years old. I applied for a loan on line and was granted a {$1000.00} loan. I signed the papers and loan documents but did not realize that they would charge me {$500.00} per month for a total of {$8000.00} ( for a {$1000.00} ) loan. I was and am totally confused and want to pay back the original amount and stop this predatory lending ... ... ... ... ..I put a stop payment on any check ( ACH ) that would be submitted by them. I was taken advantage of in the most predatory way and actually forgot I applied for the loan. The name of the company is called " Big Picture Loan '' and the phone number is XXXX XXXX XXXX The loan was taken out XX/XX/XXXX/XX/XX/2016. They called me and told me I had to pay them {$500.00} and a total of {$8000.00}.
06/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NE
  • 68164
Web
XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.
10/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 486XX
Web
Hello, this is a " tribal loan '' which I did not know and they are charging almost 850 % interest on a short term loan. Which was never explained to me. I received a call and was told " oh no problem, one time charge to start the loan '', the customer rep was vague and talked very fast. Until I started getting withdrawls from my account and called and was then explained the scam I got myself into. I was not informed of this interest rate and was unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered. I believe this is wrong and illegal to do business like this. The company is Red Rock Tribal Lending, XXXX XXXX. CastlePayday.com ( now bigpictureloans.com ) XXXXXXXX XXXX, XXXX, MI XXXX PLEASE HELP
03/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92110
Web
I received a letter saying I qualified for a {$500.00} pay day loan. This was right before XXXX and I needed the money to help buy presents for my family. I was told there was a finance charge around {$150.00}, which is a lot, but I agreed to it. I received the money and I have been paying {$150.00} every two weeks to pay off the loan. Its XXXX now, and I have paid {$900.00} towards this loan. I checked the website ( they just changed their name from XXXX XXXX to Big Picture Loans ) and I have only paid {$25.00} towards the balance! I 'm shocked and I feel scammed. I took a screen shot of the payoff schedule, which was unavailable before i took the loan out, and it seems I am to pay {$2200.00} to pay off the original {$400.00} loan. That 's outrageous!
09/11/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 376XX
Web
I borrowed {$800.00} from Castle Payday loans on XXXX XXXX, 2015. They have taken payments out of my bank account equal to {$1600.00}. and continue to try to debit my bank account {$400.00} twice a month. I am on social security and my bank account continues to be overdrawn because of them trying to take my money out. As soon as my SS check goes into my account each month I have to draw it out and pay my mortgage and utilities to keep them from taking it. I have had a nervous breakdown and I ca n't take this stress, I ca n't talk to them on the phone because i ca n't understand what they are saying and I do n't know how to stop them from taking my money. they are calling me all day long and leaving messages on my voice mail and I ca n't talk to them.
07/27/2016 No
  • Payday loan
  • Can't stop charges to bank account
  • NE
  • 68127
Web
I had gotten a payday loan thru castle payday loans they charged and debited my account for more than what was agreed and now some guy from XXXX Named XXXX XXXX XXXX XXXX XXXX is calling people and saying i gave their information as a contact person and i never did. He has constantly called them several times after i have told him they are not related to me nor did i ever put them down as a contact form. Their names are XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have called and talked to the manager and told him this guy had been harassing these people and he said he would take care of it and hasnt. He calls them at least XXXX4 times per day and they have as well asked him to stop calling and he continues to call
05/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74055
Web
I signed up for a loan through Big Picture Loans on XX/XX/XXXX in the amount of {$800.00}. I was told and was under the impression that I would receive a one time finance charge of {$280.00} for a total repayment of {$1000.00}. I made my first payment on XX/XX/XXXX and went into my account today XX/XX/XXXX to check the remainder of the balance. The amount had n't changed so I looked into it further. I came to find out that the total finance charges are going to be over {$6000.00}! If I had known that this was going to be the case, I NEVER EVER would have agreed to the terms. The finance charges alone are more than my monthly car payment! I am a single mother of XXXX that does not make much money. There is no way this can be right! Please help!
06/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KY
  • 426XX
Web
This company is a vulture and they feed on struggling individuals that are just trying to get by. Im paying them appropriately {$130.00} from every pay check every two weeks for a {$1000.00} loan for a total of 52 weeks. This was ignorant on my part to agree to but manageable until they added their additional interest and fees for delaying payments while my job was in jeopardy. I had delayed a couple payments during the COVID crisis and was charged an insanely amount of interest for requesting these extensions. Its a pandemic at the moment, families are Struggling and theyre feeding on that. I had to choose between paying them and feeding my children while my job was in jeopardy and instead of assisting, they charged me for asking for help!
07/31/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48067
Web
My mother is XXXX XXXX and she signed up for a loan not knowing the APR rate for the loan. I have called Big Picure Loans numerous times for weeks, they stated that they would send me an email to update and pay account off and never did. They also refused to help me pay off my mother 's loan in full. This company is extremely predatory and almost impossible to untangle with. I just want to pay the loan off and move on. They do not accept anything except direct bank deposits. After hearing very negative reviews, I am nervous to share any of my personal information. I do n't want this company to have access to anything of mine. The physical head quarters is located in the XXXX XXXX of MI which is extremely hard to get to to dispute in person.
09/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44122
Web
Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.
06/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 216XX
Web
On XX/XX/XXXX I applied for a loan thru big pictures loan on XX/XX/XXXX they deposited XXXX dollars I was mislead I had know idea that the interest would be what it is they have me paying XXXX for 13 payments which means I pay back over 2 grand I had know idea they dont tell you this I have made 3 payments and haven't touched the principal I'm willing to pay what I borrowed but I can't pay all that interest so I sent the company a stop and cease order on taking money out and I did a stop payment i cant any continue to pay overdraft fees because of them taking these payments out twice a month I believe they prey on people that are in jam and need a little cash and they trap you into paying these big fees I want to settle with the company
12/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 64114
Web
I took out a loan with Big Picture Loans ( a wholly owned subsidiary of " XXXX XXXX XXXX XXXX XXXX XXXX '' ) at the end of XXXX for {XXXX}. I did n't realize at the time that the APR for this loan was a staggering 683.3731 %. I was scheduled to make a total of 13 payments in the amount of {XXXX} every two weeks following the deposit of the funds. So far, I have made a total of XXXX payments in the total amount of {XXXX}, of which only {XXXX} has been applied to the principal balance. The remaining {XXXX} has been applied toward the interest. Since learning that Big Picture Loans is a tribal lender, I was made aware of the fact that this tribal lenders are not licensed to give or collect on loans in the state of Missouri, where I reside.
12/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34207
Web Servicemember
I had been receiving approval letters from this company for over a year. I have always thrown them away. This time, I was told my loan would be XXXX. Payments would be XXXX a month for 12 months. In desperation I accepted the loan. They deposited XXXX in my account on XXXX XXXX 2017. I called the Company regarding the different amount, and was told once I paid the XXXX back, that would be the end of the loan. I told them it would be paid by XXXX XXXX 2017. They withdrew XXXX on XXXX XXXX 2017. I called the Company again, Whole Different Story. They expect me to pay 12 payments of XXXX for a total of XXXX for a XXXX loan. I am XXXX, and I feel I only owe the Company XXXX I could only get one offer from them downloaded. There are Many.
07/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MN
  • 564XX
Web
I had a payday loan with Big Picture Loans. I did a debt consolidation through my credit union. I spoke with a customer service rep who gave me the payoff balance. A payment in full was sent and received by Big Picture Loan on XXXX XXXX, 2017. They are still trying to withdraw money from my account. They state I needed to sign over Power of Attorney to my bank in order to payoff my account. There is nothing about any Power of Attorney during early payoff in my loan documents and my bank has never heard of anything so ridiculous as signing over Power of Attorney to them so I can payoff my loan out of my own account. My loan with Big Picture Loans is paid in full and they 're still trying to take money out of my account!! Please help!!
02/18/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30080
Web
I applied for and received a installment loan amount from Big Picture Loans on XXXX in the amount of XXXX dollars. I can no longer afford the interest only payments. I found out the payments set up on my bank account are for interest only and do not at all go towards my loan principle. I have contacted my bank and put a stop payment service setup on my account so I do not have my pay check funds taken away for me. This is a monthly payment I can no longer afford and I see now they say I owe XXXX dollars. It seems every time I look at my balance w fees and interest it keeps rising. I did not realize when I took out the loan that the monthly payments would be only interest and not also applied toward the principle amount of the loan.
12/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 64114
Web
I applied for a loan with Big Picture Loans after receiving a mailer about being pre-approved for a loan. I was trying to get caught up on utilities after paying for my daughter 's XXXX XXXX, and thought the loan would help. Because I was so desperate for the financial help, I did n't really understand the APR that I was agreeing to. I was approved for a {$720.00} loan, at an APR of 486.8782 %, on XXXX XXXX, 2017. So far, I have made four payments in the total amount of {$350.00}. Of that total amount, {$340.00} went towards interest fees, and only {$3.00} has been applied toward the principal. I understand that I agreed to the contact, but I am now facing extreme financial pressure to maintain the bi-weekly payments of {$170.00}.
06/20/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 78108
Web
The information given to me when I originally was offered the loan, that I would be charged {$100.00} finance fee with a {$300.00} loan. The information was misleading and I have been charged {$100.00} for the past four months and nothing has gone to the initial balance. When you log onto your account, they do not show your payment history or balance owed. I had to call and talk to XXXX different people before I got a straight answer. Now they are offering me to settle my account but still pay way over the amount I originally was led to believe. I requested to get written documentation of the original agreement and was sent a spreadsheet of interest fees that did n't match up to my loan and had no account number or name included.
11/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NC
  • 285XX
Web
I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017. After being approved, I was provided with the rate and terms which were as follows. {$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.
10/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33060
Web
I am trying to pay this loan off as Details were very misleading when applying. I pay {$300.00} plus dollars a momth and I have paid less than {$50.00} to the original loan amount. When trying to pay what they deem the payoff amount I can not make payment nor reach someone in customer service. While all along interest accrues daily. This was by far XXXX of the worst financial moves I have ever made. There are hundreds of complaints against this company. I would like to pay off this loan and NEVER hear from this crooked thieving company again. I have lost my childs medical insurance. Had utilities turned off, all due to the financial strain this bogus loan has caused me. They are the worst kind of predators I have encountered.
01/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92592
Web
We tried to payoff our loan on XX/XX/XXXX. The payoff amount listed on their website stated for that day was {$2300.00}. It stated that the online payment was disabled and we needed to call to make payment. The representative told us a payment was already processing for {$320.00} for the following Monday XX/XX/XXXX and that we would have to call back that Monday to get the payoff amount for that day. We called back twice to talk to them more on why we could not pay off our loan and we were hung up on. I called our bank and the said they saw no payment pending on our account. We feel that they would not let us pay off our loan so that they could make more money off the interest that would accumulate over those three days.
04/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ME
  • 04330
Web Servicemember
Please look into a.company called.Big Picture Loans. They offer payday or.nextday loans.They offer loans to.consumers for XXXX dollars.They don't.tell you in there letter.of over the phone that they charge750-800 % interest on that loan!!! They also claim.ammunity saying.they have tribal protection through the XXXX tribe. There 's 100 s of.1000, s of complaints and upset.consumers o et.these guys.How they can be in.business is beyond me.Please make sure another.consumer does not.get scammed you take a XXXX dollar loan and.pay back nearly 1800 dollars. Please help and investigate thank you. These guys should.stop.hiding.in.there.tribal law and.be.shutdown or loomed at regularly until there.business practices are decent
02/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MS
  • 39443
Web
Big Picture Loans was suppose to withdraw {$120.00} on XX/XX/21 but did not.. I received an e-mail from them on XX/XX/21 to contact them and I did. The representative I talked to could not resolve the problem and told me that it would have to be resolved at the next level up..The representative kept placing me on hold during the call, which was very aggravating. But she said it would be looked into and asked for my phone number. I heard nothing until XX/XX/21 by receiving a text that my payment was past due and to contact them. I contacted them and the same process as before began to start. I was being placed on hold. I believe this is an attempt by the company to have additional interest accrue to make extra money.
07/29/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MN
  • 55304
Web Older American
A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.
04/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98926
Web
I took a payday loan of {$500.00} on XXXX/XXXX/XXXX in that area from Castle Payday Loans. Which has gone from Caste to XXXX to Red Rock Loans. I was told that my repay amount would be approximately {$570.00}, and agreed to that. I was not told of the 505.944 % APR, and the total payoff of {$3100.00}. I also could not see the Truth in Lending disclosure until after the loan had been processed and funds delivered to my account. I have no problem paying the agreed to loan of {$570.00}. I have made two payments already of {$250.00} each on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Please help. I will be telling my bank to not allow any other payments to be transferred until this is resolved or charged off. Thank you
11/24/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MT
  • 59718
Web
I applied for and was granted a payday loan from Castle Payday, which is an affiliate of the XXXX XXXX XXXX entity. At no time was it explained to me that the {$1000.00} loan was going to cost me {$7600.00}. Castle payday has been auto-deducting an average payment of {$250.00}, XXXX a month from my checking account since XXXX XXXX, for a total of {$1600.00}. The only way I can get them to stop pulling money out is to pay the loan off in full. My contention is that I have repaid the debt in full at this point plus {$620.00} and to pay an additional {$1200.00} to consider it paid in full, or to continue installments until full maturity of the note is reached ( a total of {$7300.00} ), in my opinion, fraudulent.
08/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20772
Web
A personal loan exceeding the usury rate with a rate of nearly 400 % per annum. I was expecting the loan to appear on my credit report so that I could increase my score by paying the loan off early but I don't think it was reported at all. Prior to waiting for the loan to be recorded, I called and asked if the company reported to major credit bureaus and was told yes, XXXX through some company called XXXX. It has been 24 hours, the repayment amount has increased by about {$20.00}. My loan number is XXXX. How do I go about ensuring that the company complies with the usury rate. It would not be such less of an insult if this company actually reported to a credit bureau, to show a good payment history.
08/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30083
Web
I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers
06/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 497XX
Web
Big Picture Loans has been very dishonest in the way they handled my loan. When I agreed to borrow {$820.00} I was not shown the truth in lending disclosure showing my APR. once I signed the agreement, I found out that the interest rate is 910 %!?!?! If I have to pay these finance charges, I will end up paying {$7100.00} over the next year and a half on an {$820.00} loan. Seems simply outrageous to me. I am appalled at these finance charges and feel that they are unethical in truth in lending. They also say they have a demand feature on my bank account and so it will deduct my account even if I file a stop payment with my bank. This was also not something I was aware if before signing the agreement!
12/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 55379
Web Servicemember
On XX/XX/XXXX I took out a {$1000.00} loan with big picture loans. On the XX/XX/XXXX I paid {$600.00} and a payment of {$390.00} was deducted by big picture loans. I thought I had paid back the {$1000.00} and was done with them. Unfortunately, on XX/XX/XXXX another {$390.00} was taken out of my bank account. I called and was told that I would get a refund of {$100.00}, because I still owed interest. I tried to check my balance online. I couldnt get into my account. Whenever I did manage to log in it said I owed XXXX dollars. Sometimes it said I owed {$96.00} or some other random amount. I would appreciate any help in resolving this problem and getting my money back. Thanks XXXX XXXX
11/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45177
Web
Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked
05/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46311
Web
I applied for a loan from Castle Payday Loans ( now XXXX ) in XXXX 2015 for {$1000.00} online. I received a phone call from CPL stating I have been approved for the {$1000.00} loan and the finance charge would be {$350.00}, thus bringing my total to {$1300.00}. I have since paid {$2400.00}, over {$1000.00} more than I was told I had to pay. CPL continued taking payments from my bank account, so I blocked them from drawing payments from my account. I tried to log into my CPL account, but it would no longer allow me to log in. I contacted CPL and spoke to a representitive from collections and I conveniently got dropped once I told them there was a mistake with my account and had been overcharged.
07/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 70003
Web
Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.

When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.

I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.

03/17/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33462
Web
I received a letter in the mail from BIG PICTURE LOANS XXXX XXXX, XXXX, Mi. XXXX a pre-approval for up to XXXX I filled the information out and received a text message approval for XXXX and to call XXXX to receive money. I was talking to an agent from this company and she stated the interest rate would be 644.57 % I immediately stated absolutely not! I then stated I do not want this loan! Please do not move forward with this loan and I am rejecting this loan. I was informed the process had not been fully completed and would receive information that the loan was not completed, but I have not received any of this documentation. I then decided to do some research and found out about this scam.
05/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 398XX
Web Servicemember
I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money
07/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MN
  • 55109
Web
I notified Big Picture Loans 2 times last week that I revoked automatic debits as I temporarily lost my income. Even so, they tried to debit my checking account this morning resulting in a {$33.00} fee for me. In with this, I have come to understand that the interest charged is not within what Minnesota Law allows. I am willing to make some kind of agreement to make payments once my income resumes, however, I request to negotiate the interest and I request the revocation be immediately honored. I also request the they refund the fee I incurred as I sent the revocation in writing. Last, since I had a prior loan and was charged an illegal interest rate I request that an adjustment be made.
08/29/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • OH
  • 446XX
Web
I've asked Big Picture Loans to stop contacting me on XX/XX/2022. Not only have they continued to contact me, they are calling me at unusual hours as defined by the Fair Debt Collection Practices Act. Big Picture Loans has contacted me by phone call on XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and again on XX/XX/2022 at XXXXXXXX XXXX EST, and identified the debt collector as Big Picture Loans. I believe there are more, but this is all that I have written down. I understand these calls are meant to intimidate and harass me.
12/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91767
Web
I tried to schedule a pay off for my loan to pay it off early. I was given a pay off amount of {$1700.00}. I scheduled this payment and it processed on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, three weeks later I am being billed an additional {$320.00}. I have been on the phone with two representatives who can not tell me why I am being charged this amount three weeks later. They are further telling me I owe an additional {$120.00} and that the representative I spoke with regarding my pay off amount gave me inaccurate information. I have been on the phone so far for 52 minutes trying to get answers and am concerned my account is going to be continually billed for amounts I am unaware of.
07/29/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32548
Web
this company use to be castle payday loans now it is Big Picture Loan. They do not tell you how much interest til you are approval for the loan in documents. Did not read the fine print. Interest for XXXX for the first XXXX payments XXXX is interest does not go toward the loan at all. the payments are differentXXXX is the finance charge and when loan is pay off it will cost be {$8000.00}. They never talk to you on the phone. approval over the internet. what can I do? I already have pay XXXX payments of {$310.00}. I got scammed and I do not want more people to be effect with this company when you really need money should be a easier way and not cost fortune.HELP!!! loan number is XXXX.
03/25/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97478
Web
I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.
10/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 70815
Web
On XX/XX/2023 I applied for the loan for {$1800.00}. XX/XX/2023 I started to repay the loan {$280.00} every 2 weeks. The last payment was XX/XX/2023 for XXXX. I have paid a total of {$1400.00} will about 20 payments left at {$280.00}. for a total of {$7400.00} for the life of this loan. If you cant make the schedule payments they will double your payment and continue to add interest charges to the loan and constantly send your delinquent emails and send your account to collections. This company is hard to work with. You cant afford to miss a payment because the interest will still accumulate more. I just research and there fee is more than Louisiana would allow on loans this amount.
10/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • OK
  • 74135
Web
Apparently XXXX sold my payday loan to XXXX XXXX XXXX who hired XXXX XXXX XXXX. XXXX XXXX keeps blaming everyone else. They are calling all my employees constantly, my Dads ex wife, calling my store telling them I have a legal issue with an unpaid debt and I'm about to face legal action and they are giving XXXX XXXX name, number XXXX and my case number XXXX. I called them and they said I have a wage garnishment, I looked it up and it's not there. They payday loan is for {$600.00} & they said I owe {$4800.00}. I have not been contacted till now, this is from 2015. I do not know if this is legit and company can not answer my questions. They keep threatening me with legal proceedings.
08/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MA
  • 01605
Web Older American, Servicemember
Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.
12/09/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 31605
Web
On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.
10/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ME
  • 04401
Web
I took out a payday loan with this company ( which I realize was a bad choice but I was desperate at the time ... I went back to look at my payment history to try and figure out when this " loan '' would be paid off and I learned that I had made 6 payments of {$XXXX} each and my principle loan amount had only gone down by a few dollars! I can not afford to keep paying this loan and learned that these types of loans are not legal in my state and I had already paid back what I borrowed plus interest. I asked them to stop debating my account and reported to them that they are not licensed to lend in my state and they attempted to offer me a settlement. This loan is bankrupting me!
06/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45365
Web
I got this loan to help get my car fixed. I borrowed XXXX and it was told to me that I would be paying monthly and now they say I am paying every two weeks with this intrest rate of 533.7084 % and I was told that this is illegal and now by the time I am done I will be paying them XXXX aleast that what this paper say, but after trying to figure it all out I will be paying XXXX. I feel that I am not getting treated wrong and not sure what to do about this. I do not have that kind of money to pay XXXX every two weeks, because I do not make that much money. I only bring maybe XXXX home every two weeks. Plus I have XXXX kids and granddaughter living with me. Thank You XXXX XXXX
12/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 218XX
Web Older American
i received a letter via usps from big picture loans stating that i am pre-approved for a loan - " myname -- is PRE-APPROVED '' " YOU'RE ALREADY PRE_APPROVED '' " GET MONEY AS SOON AS TOMORROW '' however - after visiting the web site www.bigpictureloans.com - i find out that when entering my personal information - i am not pre approved at all - then they process a hard inquiry on me which has a negative impact on my credit score - their offer is a lie and is a fraud attempt to get one to go thru a process that demonstrates that one is NOT pre-approved at all - they should be made to change all their claims to read - pre-selected for final credit approval dont fall for this
04/29/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95762
Web
I signed up for a loan that I took out for {$450.00} with a finance charge of {$220.00} and I did n't realize at the time I 'd end up paying a ridiculous interest rate on the loan. So I asked them if I could set up a payment plan, but I did n't realize I had to pay the amount of like {$1200.00} and they refused to help me lower it. So I let it go collections, now they 're saying I owe {$920.00} with a {$220.00} finance charge and a late fee of {$20.00} included in it. I 've been trying to resolve this with them but getting it resolved has been the biggest headache. I 'm hoping you can help me get this resolved these people are the biggest scam artists ever! Thanks, XXXX
05/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OK
  • 741XX
Web
On or about XXXX 2016 I co ntacted bigpictuteloans to get a payday loan for {$1000.00}. It was approved. The lady I spoke with told me the interest fee was {$250.00}. However, since that time on every pay period they have withdrawn {$250.00} twice a month. I have paid them over 5k. I asked them to stop withdrawing money as they received more than allowed by oklahoma law. They say I still owe over $ 1k. Please assist in this scam they have with their exuberant interest rates. They have been paid 4 times what I owed. I was never informed they would be taking out over {$500.00} a month since XXXX of 2016. P lease investigate this matter. Sincerely, XXXX XXXX
12/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MA
  • 01826
Web
I was offered a loan amount of {$750.00} from Big Picture Loans and was approved and was told that the finance charge was going to be {$260.00}. Yes, a bit steep but It was XXXX time and I missed out on a week 's pay so I agreed to this. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$6100.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I also saw online that they filed bankruptcy back in XXXX so how can they be lending out funds with illegal interest rates 2 months later?
07/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 43016
Web
Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.
04/25/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 94040
Web Servicemember
In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.
11/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 91362
Web
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.
05/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30084
Web
I had a previous loan with them that I paid off XXXX . I reapplied yesterday X/X/17 for a new loan of {$900.00}. I received an email stating I was approved and the money would be in my account today. However, my husband also has a loan with them and now they are putting the XXXX accounts together and state I can not have a loan. My husband and myself called to try and get the XXXX accounts separated, but they keep messing them up. They then called me today and said I have to verify my bank account. They ask for my full social, my address, my date of birth and my email address to validate my account. I do not agree with that. I want to report them.
03/25/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 30311
Web Servicemember
Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!
05/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 373XX
Web
I applied for a loan with Big Picture Loans for an amount of {$400.00} and was approved. In the Loan details it was stated there would be a {$140.00} Finance Charge and I agreed making the total amount {$540.00}. I was NOT informed of the whopping 974.0608 % Interest Rate that I would be charged and the Finance charge of {$1800.00} making the total amount to be paid $ {$2200.00}, There is absolutely no way I would have agree to this Loan if I had been told the truth upfront but I was not able to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal and I will be taking it further.
07/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85281
Web
I borrowed {$300.00}, but had no idea that I would be charged {$900.00} in interest charges until after I received an email stating that {$92.00} would be taken out of my account on a bi-weekly basis. I would never have borrowed {$300.00} from this company under these conditions. After all of this, I have found that these type of loans are supposed to be illegal in the state of Arizona. I have no problem paying back the {$300.00} loan and reasonable interest, but {$900.00} in interest is ridiculous. They have already deducted {$92.00} out of my bank account on XXXX / XXXX /2017 and the balance is still {$300.00}. I am attaching a screenshot from my account.
08/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 47712
Web
I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!
10/19/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MS
  • 39401
Web Older American
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on castle payday loan. Have a XXXX form sent from castle Payday for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by castle Payday. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from castle Payday. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
01/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46220
Web
When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.
02/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70458
Web
I received a loan in the amount of {$600.00} XX/XX/XXXX. I have been making payments of XXXX each paycheck. On XX/XX/XXXX I called about paying it off they said it was XXXX to payoff but I wasn't able to pay that day because it was after the processing time. I called on XX/XX/XXXX and I was told I couldn't pay off my loan until XX/XX/XXXX and the amount will be XXXX to pay off. This is after I have paid XXXX, XXXX coming out of each check XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX. That's a total of {$1400.00} on a {$600.00} loan. I was not told about daily fees and you have to pay on certain days because a certain time. They are a loan rip off.
06/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IN
  • 46226
Web
I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.
03/23/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • SC
  • 291XX
Web
I received a call from a XXXX XXXX from XXXX @ XXXX Ext XXXX stating that I owed {$400.00} to XXXX, but they wanted XXXX however they would take less. I asked for a validation of debt he transferred me to someone else who got made because he wanted me to go online & I was at work & told him now was not good to give me a number & I would call at a better time. He got mad & said he was going to tell the debtor I did n't want to pay. Now today XXXX XXXX, 2015 XXXX XXXX had come called people from my XXXX page saying I had used them as a reference. They will now not return my calls as I stated they I was going to make a complaint about their tactics.
10/15/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 79416
Web
I have never applied for a loan, done business with, or even heard of Big Picture Loans. I received a {$200.00} credit to my bank account from Big Picture Loans on XXXX/XXXX/2016. {$200.00} was later debited from my bank account from Big Picture Loans with a note : " Name Mismatch '' on XXXX/XXXX/2016. Big Picture Loans then tried to debit an unknown amount from my account on XXXX/XXXX/2016 which resulted in a declined item and a non-sufficient funds fee from my bank of {$34.00}. I believe fraud is involved on how Big Picture Loans was even able to acquire my bank account number, and am unsure if someone took out a loan with my identity.
11/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OK
  • 741XX
Web
They say that they told me of the APR of 561. They did say that I would pay {$410.00} a month but did n't tell me that it would be for almost a year and that I will be paying {$4000.00} all together for a loan of {$950.00}. It was n't until the third month that I got the break down of payments and found out that I will be paying {$410.00} a month until X/2018! I can not afford to pay that for that long. When they said it was {$410.00} a month I thought it would be for 3 months. When I called them I was told that I knew that I would be paying {$4000.00} for a {$950.00} loan. I would have never agreed to that. They wo n't help me at all.
09/09/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • AZ
  • 85201
Web
The lender debited my account outside of the dates indicated on the repayment schedule they provided me. When I attempted to contact them to remedy, I was fed scripted lines & told that I was being charged correctly. I was told I could pay off the original loan and be finished ( after they have collected over {$500.00} in fees debited on incorrect debit dates ). I felt I had no choice but to pay off the original loan or risk more rouge debits. While I did not incur any overdraft fees, it has created a financial hardship as I am a single mother trying to move into a new home. I have the original contract and am happy to provide it to you.
06/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77091
Web
I was not Aware of the interest rate. I was informed I could pay off the balance early to lower my total amount due, but when I inquired about it they indicated I had paid {$780.00} of the {$800.00} loan and the pay off amount would be {$1200.00}. I received email statements, but the interest rate is not listed so I didnt know that monies paid were not going to my principal balance. I feel that the account statements emailed to me should include the interest rate so it can be clear what is being charged. I attached a couple of the emails they sent me if you need to review them. Notice they say no fees and dont have the interest rate listed.
03/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33056
Web
I did n't realize that these Company 's could get away with scams and defrauding the public and theirs no solution. Asuch as there are some legitimate pay day loans some have gone to extremes to abuse their power. I took out a {$400.00} loan with Big Picture loans and this is one of a nightmare. I should be paying back {$540.00}, I paid XXXX {$140.00} and {$160.00} and the {$400.00} dollars is going no where all I 've paid do n't even go towards the loan this is a scam. Very Criminal Activity being run rampantly in this Country and this needs to stop! I need to see an end to this I will not stop until these Criminals are put out of business
06/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NE
  • 686XX
Web
Received letter for easy loan, thru Big Picture Loans ... did online app and received phone call to verify shortly after. On call they advised me I would pay interest of XXXX on the XXXX dollar loan I was approved for, in which first payment would be on XX/XX/XXXX of XXXX. Now I am told the XXXX payment will be automatically withdrawn every 2 weeks for 58 payments totally almost XXXX!! I was never told of an interest rate being 780 % or I would have NEVER agreed! When I called to discuss the service rep was very rude. I do n't dispute the validity of the loan or the XXXX interest I was told, but no way will I pay 780 % interest on XXXX.
07/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60448
Web
I have a online payday installment loan with Big Picture loan for {$1300.00}. I have an 398 % interest rate. I was told there would be {$180.00} finance charge but I wasn't old that it would be per payment and that I would end up paying thousands in interest. I tried to go looking at my document but the only ones that I can see are the payment schedule and how little my payment is going to the principal. The loan scheduled payments goes for 12 months. I clicked on the pay in full button after paying on my loan since XX/XX/XXXX and my payoff is larger than my loan amount {$1300.00}. I am unable to make my payment due to medical bills.
02/01/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92056
Web
I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
12/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 310XX
Web
Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.
01/04/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55106
Web
I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.
03/01/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 61611
Web
The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.
03/26/2021 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • UT
  • 84047
Web
I called to pay off my loan on XX/XX/21. I made a payment of {$600.00}. The amount the representative told me it would take to payoff my loan. I have been receiving calls and emails ever since that I still owe interest. The representative I spoke with NEVER mentioned anything about additional interest. Only that a payment of {$600.00} would payoff the loan. Even the receipt I download from the company 's website says my loan is paid in full. This company is scamming me for more money. I will not pay on a loan that I paid off and their receipt clearly states " paid in full ''. This has turned into a predatory loan/lending company.
10/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91752
Web
It has come to my attention that payday lenders must be licensed by the state of California in order to offer loans to its residents. Since the company has no license in my state, the loan contract I have with them is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. However, to date, I received several loans through Big Picture Loans that dates back to year 2017 and have had several bi-weekly withdrawal payments from my bank account. I was charged excessive fees that were not legal in the state of California and have made several over payments on each loan acquired.
04/12/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48219
Web
On XXXX XXXX I applied for a payday loan from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX now called Big Picture Loan. My loan amount was XXXX. I expected to pay a finance fee and maybe an initiation fee however after 3 payments of XXXX all deducted from my XXXX checking account I called to payoff my loan. I was informed to payoff my account on XXXX/XXXX/16 I would need to pay XXXX??? On a XXXX loan? The interest on this loan appears to be 200 %. That can not be legal on the United States. I asked the representative where she was and she stated the XXXX. Any assistance with this matter would be greatly appreciated. I only borrowed XXXX
09/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 333XX
Web
I am constantly being harrassed by a company called XXXX XXXX. They say they represent Castle payday and I owe {$700.00}. I told them that I did bot borrow that much. I offered to make payments and they refused saying it was n't enough. I have been called by several people, the most recent is XXXX at XXXX. He yelled at me and said he has me on tape refusing to pay, and will have me served legal documents at my job. They also called other family members, including my under aged grandchild. This behavior must stop. When I asked the person who called my last week there address, they refused to give it to me. Please help me ...
03/24/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KY
  • 40504
Web
I got a internet pay day loan for {$400.00} in XX/XX/XXXX and it charges a finance charge of {$200.00} per month which is not applied to the loan at all. This was not explained to me. So, I have now paid {$800.00} in finance charges soon to be {$1000.00} in XX/XX/XXXX for a {$400.00} loan and none of the {$800.00} that I have paid is applied to the loan. In order to payoff I have to pay the {$400.00} loan amount plus the {$200.00} finance charge. So, if I had the additional {$600.00} to pay off now I would be paying a total of {$1400.00}. The original company was XXXX but now they have changed name to Big Picture Loans.
06/24/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 93312
Web
I thought I was getting a payday loan for {$400.00} that would be paid off at a total cost of {$600.00}. The details of the loan were not visible at the time of the loan submission. After the second payment I was able to log into the website to see the fees and the finance charge was listed at {$1900.00}. Though I have paid {$600.00} to date, there is still a pay off balance of {$600.00} due if I want to avoid the full finance charge. That is still far more than I was made aware of at the time of the loan submission. I will attach the document that was available on the website after my second payment in late XXXX 2016.
05/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20879
Web
I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.
12/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 91362
Web
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX2017. This was a {$800.00} loan. The annual percentage rate of 478.9907 % which I did not know about. Now I just received a email saying that my overdue balance is {$1300.00} I tried to pay in full at the beginning but was unable to because they were giving me the run around.
01/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MA
  • 02302
Web Older American
I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).
03/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 56007
Web Servicemember
I continued to get charged {$400.00} per month automatically withdrawn from my bank account when I feel the loan has been paid. I borrowed {$800.00}. They have taken {$400.00} per month for the last four months, starting in XX/XX/XXXX - XX/XX/XXXX. I recently put stop payment at the bank. So XX/XX/XXXX payment was not taken, but they attempted I have no documentation of the loan and when I called them to ask why there was another XXXX payment taken from my checking account they would not talk to a friend which was attempting to help me with my bills since I had just experienced a hardship caused by a hospital stay.
10/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01020
Web
On XXXX I took out a loan with this company in the amount of {$XXXX}. They led me to believe that I would be making a monthly payment not every payday. They also did not provide the APR rate to me which turned out to be XXXX. This in itself is outrageous. But what really set me off was when I called customer service and spoke with XXXX on XXXX, simply asking what my account number was ( which was not anywhere on my online account either ) was told after being on hold for a very long time that they were unable to provide me with this information. What legitimate company can not provide you with your account number?
07/14/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 471XX
Web
First of all, when I hit the icon " Submit '', I did n't see the fee/interest until afterward. I received only {$400.00} and the payment was on the wrong day on purpose. They took the payment on the second Friday and I get pay three days later of the first week. The worst part of this is 866.8124 % annual percentage rate. If I has seen this, I would have never hit the word " Submit ''. I was so shock I was saw this. What I did saw was {$540.00} to pay back. When they set up the payment date ahead of the beginning of my new biweekly wage, I had a hard paying all {$540.00}. It hit me that they did it on purpose.
07/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 330XX
Web
I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!
07/08/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • OR
  • XXXXX
Web
I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. After doing some research, I was directed to this site due to the seemingly illegal operation of this company.
08/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 45503
Web
I took out a loan of {$600.00} from big picture loans via telephone on XX/XX/XXXX. I agreed to the fee of {$170.00}, as I was told this was a one time payment for accepting the loan. After I received the loan deposited into my bank account, I started receiving emails saying that I had to pay {$170.00} every two weeks! I was NEVER told of the interest rate of 683.3776 % or having to pay over {$350.00} a month for the next 6 and a half months. I called them and tried to work this out but to no avail. They say they will debit the payment of {$170.00} every payday through the end of XX/XX/XXXX.
07/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ME
  • 04103
Web
O n XXXX XXXX , 2017, I applied f or a loan fro m Big Picture Loans, got approved, but was failed to be informed about the interest rate of % 719.9395. I borro wed {$400.00} because I was in a financial bind and needed the money quickly. I can not afford to pay {$130.00 } every 2 weeks until XX/XX/XXXX ! I need out of this or I will lose my car or home. I live paycheck to paycheck like most of middle-class America. I t ook out this loan because it was easy to get approved with bad credit, and they took full advantage of it. I was not informed of a finance charge of {$1300.00}.
10/02/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60619
Web Older American, Servicemember
I got a loan from castle pay day loan, at time I recived the loan I was given a quote of XXXX dollars for a loan of XXXX they have taken XXXX dollars out of my account 3 times, iam assuming the loan is paid off, .When I looked at the account its stating I still have a balance of XXXX called them they tell me I still owe XXXX .This will be XXXX for XXXX loan at the time when I reuested the loan I changed my mind, an did not tell them to send it, 2weeks later it was in my acc.So I figured ill keep it an pay it off but now they are trying to get triple of what they quoted me. I need help..
09/06/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37921
Web
I got a loan from Big Picture Loans for {$700.00} XX/XX/XXXX. I paid the complete principal back to them plus about an additional {$300.00} in interest by early XX/XX/XXXX. This company is a complete scam. I sent them a letter to stop taking money out of my account and also stopped payment at my bank on any ACH withdrawals. I could not keep up with the {$190.00} payment taken out twice per month which they would have continued until XX/XX/XXXX if I had not done something. They keep calling me almost daily. I am afraid they will sue me. I have no further funds available to pay them.
09/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • AZ
  • 85388
Web Servicemember
In XXXX I needed money to help getting to a job interview in XXXX, XXXX from XXXX XXXX. I had received a flyer in the mail from Big Picture Loans a couple weeks earlier. I took out a {$600.00} loan with a fee of {$210.00} for a total of {$810.00}. I have made {$630.00} in payments thinking that I only had one payment of {$210.00} left. I called today to see what my balance was and found out that it is still {$810.00}. I was never told that I would be paying {$210.00} in interest each month. I was led to believe that my payments were going to pay off the loan in 4 months. WHAT A SCAM
04/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33458
Web
When I initially took out the loan, I had informed them that my pay structure was bi-monthly, the XXXX and XXXX of the month. I had to keep calling them to correct the date in turn, defer the payment. XX/XX/XXXX ( which should be XX/XX/XXXX ) is the last payment to be paid on this account in the amount of {$130.00}. I had asked them to deferred the payment to the XXXX and they indicated that if I deferred the payment one day, the payment would be doubled. They didn't seem to care one way of the other. Their practices are unethical and should be held accountable for their actions.
07/09/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • AZ
  • 85747
Web
I had several payday loans from different companies and for the same amount of money as Big Picture. Those loans got paid off. Big Picture/Castle kept going and going. Then XXXX day they texted me that my payment was sent back from the bank. I called back to try and get this solved. They said the text said it was turned to collections. I panicked, the text did not say that. I began to feel something was wrong so I notified the XXXX and filled out a report. In the mean time, they repeatedly call be on my landline and cell phone day and night, every day. They call and then hang up.
07/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 94523
Web
On XX/XX/21 I received a loan for {$2200.00} from Big Picture Loans. On XX/XX/21 I advised I would pay it off. However, they told me the pay off amount was {$2800.00}. That is a fee of about {$700.00} for holding a loan for one month. They are charging a 1.10 % daily interest rate. After doing some further research it appears this company isn't even licensed to do business in the state of California and this is an illegal loan. After even further research it appears there are multiple lawsuits against them for illegal business tactics. This company needs to be investigated.
12/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45373
Web
I have a loan with Big Picture Loans. They have charged exorbitant fees - much higher than I would have expected. Every payment except for the {$25.00} on my last payment ( payment # XXXX ) has gone to interest. It is nearly impossible to pay this balance down due to high {$350.00} bi-weekly fee required in the beginning of this loan. The interest on the loan is predatory - at an interest rate of 1014.55 %. This is insane. If I pay only the required payments, I would be required to pay $ XXXX for a loan of {$1000.00}. I have already paid twice the value of the money I borrowed.
06/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 32514
Web Servicemember
XXXX XXXX XXXX, XXXX, FL BIG PICTURE LOANS Took out this loan for XXXX dollars expecting to pay off XXXX dollars of finance charge for the first month payment which I paid and the rest in installments with no more finance charges or penalties. Every month they are still adding outrageous finance charges and applying principles. This will eventually make a XXXX dollar loan turn into a XXXX dollar loan over time. They are a very deceiving company in all of their practices. Communication is poor and its like the representative are reading script. the company is Big Picture Loans.
06/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23320
Web
I was offered a loan of {$800.00} by Big Picture Loans. I called and inquired and was told by the representative that the finance charge was {$280.00}. I even clarified with the representative that was the total amount of finance charges that I would see. Since taking this loan they have taken out 2 payments of {$280.00} within a 2 week timeframe and NO money has been applied to the loan balance. So they are basically charging me {$560.00} interest monthly for an {$800.00} and I was not made aware of these charges. I did n't receive the TIL until the loan was already processed
01/20/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MI
  • 48235
Web
I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.
04/21/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OK
  • 74012
Web
I received a payday loan and when working out payment they continually attempted to take funds from my account. When I hired a debt consolidation company to help Castlepayday would not speak to them and repeatedly called my work and family members, harassing them and cussing out the office manager at my office. They have called no less than XXXX times a day and have been very threatening to people at my office and family, I did not give them these numbers, they somehow acquired them without my knowledge and have harassed them all everyday even after I have asked them to stop.
05/21/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97214
Web
I received a payday loan for XXXX dollars. I was not sent the contract terms, and I was n't called by a representative to explain the terms. It turned out that the repayment was on a schedule I could not keep up with, and when I asked the lender to adjust the schedule they refused, while informing me that there would be a XXXX dollar finance charge for each missed payment. For me, that meant that I would never be able to pay this loan off. Now I am receiving harassing phone calls at work from a representative who tells me that it will cost XXXX dollars to pay off this loan.
04/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.
06/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21113
Web
Got approved for a XXXX loan in XXXX of 2017. My payback was XXXX monthly starting in XXXX. My pay off amount is about XXXX - XXXX. I asked to pay of the loan because nothing is being applied to the principal it all going to the interest. They keep telling me I cant I have to pay the full amount. There was nothing stating the interest rate. I dont have a problem with paying back the XXXX beings though I have already made 6 payments in the amount of XXXX but they will not go for it. This place is a rip off and I have already ask them to stop taking payments out my account.
04/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.
08/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89147
Web
On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.
03/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 747XX
Web
I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson
10/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70815
Web
I received the loan back on XX/XX/2018 until now. I have been paying XXXX since XX/XX/2018. The loans was for {$800.00} I have roughly paid {$1700.00} on the loans. They are charging me a 392.827 % interest rate plus a 179.509 % daily rate and I was not aware of that. I spoked with them on XX/XX/2018 about my payment I couldnt make the payment. They still wanted the payment and the next payment. I called XX/XX/2018 and made aware Im charged a daily rate everyday then loan is open. The Loan principle is {$740.00} as of XX/XX/2018 from a {$800.00} balance form XX/XX/2018
04/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29072
Web
I filed a complaint that was partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.
05/27/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NE
  • 68521
Web
I took out a XXXX loan with big picture loans. They told me it was not a payday loan but an installment loan. I asked how much was the interest many times on that call, but never got a straight answer and since the rep did not speak XXXX well, i assumed she didnt understand the question, so i asked how much will i be paying in the end for tnis loan, she put me on hold, came back and told me XXXX, so i agreed to that, however a week or so later i got an email saying it was XXXX that i had to pay back for that XXXX i had already spent. This is insane, please help me
07/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30021
Web
I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!
01/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48126
Web
I had applied for a loan of {$800.00} with Big Picture Loans on XXXX XXXX of 2017. I was given a astoundingly diffrent pay back amount. The amount was deposited into my account. Soon after I was informed that I would be paying XXXX a month for a year. This is over 200 % the money I had borrowed. It is criminal. I am XXXX and they know this. It is over a 1/3 of my income with a family to take care of. I have already played XXXX. I was misinformed from the beginning. I have called and been hung up on time and time again. I am in such disbelief. Please help!!!
06/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85202
Web
I applied to Big Picture loans for a loan in the amount of {$400.00} plus a {$100.00} finance fee. After I received my money and made my first payment ( which was the finance charge ) I called to check the status of my balance and I was told it was still {$500.00}. I just made another payment of {$100.00} and was told that was a finance charge payment. They told me there are actually XXXX installment payments and I should try and pay more or pay the entire amount. This has me in a loop of trying to pay something off that charges me more than what I borrowed
02/05/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 34205
Web Servicemember
XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them
11/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • XXXXX
Web
Egregious interest. {$1000.00} interest on pace to ballooned over {$4000.00} in 8 month payoff. Fully taking advantage of people like myself when in need. Personally hard working people better than that, Honorable that has put themselves in position to even be able to apply for a loan shouldnt be taking advantage of like this!!! If this is Fair. Everyone needs a Blueprint on this Lending/Loan Company.. Totally XXXX!!!!! Also once I learn interest rates immediately paid off loan. Wasnt able to but it beat the long term interest for a messily {$1000.00}
08/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01701
Web
I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success. This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation. Please Find documents attached
05/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MN
  • 55423
Web
I took out a XXXX loan and I called Big Picture Loans and asked if this was a " payday '' loan, they stated no, They stated the Finance charge would be XXXX. I agreed to that thinking XXXX Time or over the first XXXX payments, I was not told it was going to be XXXX x XXXX payments for a total of XXXX. Nor was I told or had access to the truth in lending document until after I agreed and the document was uploaded to my acct. the annual percentage rate is XXXX the Finance charges will cost me {$2600.00} for a loan for XXXX the grand total would be XXXX
04/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21117
Web
My payday loan was for {$600.00}. However repaying of this {$600.00} cost a total of {$2500.00} including the repayment of the principal amount. I was not fully aware of the extremely high interest. I thought I could repay the loan off early, however Big Picture Loans does not make the process of repaying your loan off early easy. It is very difficult as they only offer a repayment every 2 week cycle which allows them to earn more interest. I would not do business with them again or recommend them to anyone. Repayment fees are at an unbelievable level
07/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MS
  • 39466
Web
I was approached by a company called big picture Loan 's and was approved for an amount of XXXX but I only borrowed XXXX and I was told that I would only have to pay XXXX back in total and that I will only pay around XXXX a month until it 's paid off but the first 2 payments that was taking out my account was for XXXX dollars so I called and the lady told me that I will be paying that for the first five payments for a finance charge and that none of that will go toward my principal and I was not informed of any of this at the time I did the loan
05/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 28562
Web
Hi, I am on my XXXX loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed XXXX and they will collect over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.
03/10/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97203
Web Older American, Servicemember
I applied for and got a loan for XXXX dollars. I was going to pay off the balance with my next social security check as they said I could pay off the loan early. When they finally posted the loan on their website and the early payoff amount, I discovered that to pay off the loan after 30 days I would owe XXXX. I 'm XXXX and XXXX is my only income. I ca n't afford XXXX dollar payments for the next 6 months. I expected to pay a reasonable amount of interest after 30 days, not almost XXXX dollars! What can I do? My first payment is due XX/XX/XXXX.
10/24/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85024
Web
I borrowed XXXX and Ive paid XXXX via ACH debit from my account. I called them to check the back since I had maybe XXXX or XXXX more payments and they told me the interest of XXXX or more. I have already paid this company their money and now I am receiving emails aboou a balance which is interest. I was not informed XXXX XXXX interest rate on the loan and not XXXX in interest. I was unable to view the truth in lending until after i agreed to the loan and I believe that this company is practicing bad business and unethical practices online.
06/28/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 92223
Web Servicemember
Castle Payday Loans outsourced my account to a third party company called XXXX XXXX XXXX at XXXX . They phone d one of my phone numbers on XXXX / XXXX / 2017 making false communication tactics threatening that they were going to serve me a legal summons today and I was to call them to verify information and if I did not I would be served with legal proceedings. I attempted to contact them back to get more information and they provided rude threatening comments that I would be sued and served a legal summons if I did not comply.
06/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • TX
  • 79762
Web
I was enticed by Big Picture loans with an offer of pre-approved for loan. Well after XX/XX/XXXX I was down in money so decide to apply for a loan. I filled out the application and then it took a few minutes but what I didnt realize that I was not able to view the truth in lending disclosure before accepting the loan. Before I knew it I was now obligated to loan of 733.081 % yr interest and now paying XXXX a month for next 15 month. Also something that seems to unsafe is using my ssn # to log into their portal is not really something safe.
03/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 610XX
Web
I took out a payday loan with this company in 2021. They are currently taking out {$270.00} every other week. The original loan amount was {$2000.00}. As of today the amount is {$2400.00}. That would mean that NOTHING has been applied to my principal. I understand that these loans are high interest rate, but the rate on this is 348 %. This is taking extreme advantage of people that are in a bad financial situation. I am not able to get ahead or have enough to pay my other debts as I am paying this with nothing being paid down on the loan.
08/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MN
  • 554XX
Web
On XX/XX/2022, I accepted a settlement in the amount of {$3000.00} as full and final settlement of my account, and I opted to make your payments by debit card ; however, this is still extremely difficult for me to pay in spite of my best efforts. The Big Picture Loans representative informed me that if I were to not make these payments on time the settlement would be null. I don't feel this company is fair or cooperative enough given how extremely high the interest charges and installment payments are. I need help please. Thank you.
04/17/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 90016
Web
The loan amount was for {$1000.00}. However, I was unable to see my contract until after the loan was disbursed. The loan payments is {$300.00} birthday weekly totaling {$600.00} a month for a {$1000.00} loan. All payments are going towards interest and not towards the principal. This is making the loan very expensive. Therefore, the loan is costing me over {$6000.00} dollars. The contract lists the Interest rate at a ridiculous rate of 646. %. I was n't aware that I had to pay {$300.00} twice a month on a {$1000.00} dollar loan.
03/28/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MA
  • 015XX
Web Older American
I took out XXXX loans with big picture loans XXXX is finally paid off the other I am still paying. I needed money to fix my brakes on my car.i borrowed {$200.00} and I have given them {$500.00} so far but the loan is not paid off I ca n't afford to pay them anymore money matters a little. I asked if I could skip next months payment of {$150.00}. Which they let postpone until next month. I think what they are charging is too much. Is there some way to stop paying them anymore. {$500.00} for a {$200.00} loan is a good investment.
04/25/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • KY
  • 415XX
Web
I had a XXXX and all of sudden I notice my bank account was being credited {$350.00} a mth. and I did n't what for. Did even realize this unitl this month they had been taking out this money since XXXX which I had the XXXX before XXXX and could n't even use a computer. I call my bank this morning and they give a telephone no. that is n't that companies no. I do go and line and try to call Castle Payday loans ca n't talk to anyone. They have taken out {$1700.00} out of my account. I 'm elder and do n't deserve this. I need help.
02/01/2017 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • MS
  • 38637
Web Older American
Ihad borrowed XXXX dollars from Big Picture loans, they had sent me a paper that told me how much interest I would be paying for this amount.I was going to have to pay XXXX total for the total payments. They have already taken XXXX dollars out of my account before I knew what I was going to have to pay.This is robbery charging XXXX for a XXXX loan. Ineed to get this issue taken care of, but do n't know what to do.Iwill have to close my checking account until I get this interest rate taken care of I would appreciate your help.
10/28/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 238XX
Web
Hello, I got a payday loan from CastlePayday.com after receiving a flyer in the mail. At the time I needed the money so you do what you have to do. When I was going through the process I thought my payments would be {$100.00} per month. I only got a loan for {$400.00}. Well, each month this company is debiting {$280.00} from my checking account. I have contacted them as asked for a specific payoff amount and also advised that debiting from my account is no longer authorized and I would like to call in and settle this account.
10/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28216
Web
I took out a {$900.00} loan. I have now paid back {$1500.00} and they are saying my principle balance is still {$690.00}!! Turns out, my interest rate is 501 % and I will have paid this back about 10 times before I have it paid off. I never saw an interest rate before signing. I new my monthly payment was {$310.00}, but I assumed that was until I had paid off the {$900.00}. But it still comes out every month. Looks like they are a tribe and say they are not covered under federal law ... They are called Big Picture Loans.
01/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • TX
  • 758XX
Web Servicemember
this ripoff loan company named big picture loans run by some XXXX tribe some where is sending me these pre screened offers every week even though I have opted out at all 3 credit bureaus 4 different times in one year. I have constantly contacted these people to take me off there mailing list and they always tell me that they do n't have to go by gov regulations because they are a federally recognized XXXX tribe. I do n't believe that to be the case. any one that would get a 843 % loan from a XXXX tribe is out off there mind.
09/25/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33614
Web Servicemember
I was browsing the internet and came across a company Big picture Loans and I was in a financial burden I took out a small loan for XXXX $ and the company misled me and the interest rates were very high which was not stated initially and the payments dates were twice a month which is a tremendous inconvenience and placed me in more of a financial strain. Right now my balance is {$1100.00} which is outrageous can you please help me resolve this problem. This loan was given to me XXXX/2017. My account number is XXXX. Thank you
01/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28411
Web
I applied for a loan with big picture loans and they gave me a 2000 loan but started taking money out of my bank account before the payment was due causing overdraft fees and so far they havent taken {$1200.00} from me and not one penny has gone to the loan. I offered to pay the loan off subtracting what I have paid and no one bothered to call me back they just keep continuing t take money out of my account they advertise their interest rate is 4 % to 16 % but they have been charging me about 300 %. This has to be illegal.
10/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55443
Web
I received a loan from castle pay day loan and supposedly when they went to take the money out of my account it was n't in there when I actually get paid direct deposit. Now they are calling an address and phone number from 20 years ago threatening a lawsuit etc. I have not received any formal letter from this company. If so I would have paid. I also researched them and found out htat they have many many complaints of scamming customers. Please help. They have threatened to send documents etc to my job and everything.
08/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 93662
Web Servicemember
They state a scheduled payment plan, but they don't tell you that there's daily interest incurred so that you never actually pay off the loan in a fair and reasonable manner. They don't even state how much interest you incure daily anywhere on your account profile or in reasonable contract areas in bold. They also have a glitchy scroll option when reviewing terms and signing things I feel are to disscourage you from reading in depth the fine print before signing off on predatory loan contracts and deals with them.
08/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46236
Web
I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.
10/06/2015 Yes
  • Payday loan
  • Can't contact lender
  • TN
  • 37072
Web
I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.
06/26/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • VA
  • 241XX
Web
XXXX XXXX was employed by Castle Payday to collect a payday loan debt from me. As an aside, this loan was taken out by an identity thief. XXXX XXXX contacted me using automated voice messages for several months. They called as many as XXXX times in XXXX day. They called from numerous different phone numbers in different area codes. They also contacted my family members. Occasionally a live person contacted me, but the conversation ended when it started as they asked me to verify information about my identity.
06/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20602
Web Servicemember
I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?
06/05/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 615XX
Web
I was told their was XXXX intial fiance fee of XXXX they rest would be payments of XXXX on a XXXX loan so today would been last payment of XXXX ... they took XXXX and still said i owed XXXX so i called and talked to them they were jerks to me, and said you get charge XXXX fiance fee every XXXX wks unless u make bigger payments!! That was not how it was explained to me when i called and asked questions..Im not paying them another cent they got their money plus some. how can they lie and get away like this.
12/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48125
Web
I took out a loan with Big picture loans of {$800.00} and they told me that I just had to pay {$200.00} extra so {$1000.00} total. Well I have paid XXXX payments of {$200.00} now they 're saying I still owe {$1000.00} that the loan is not even paid that I 've only paid the interest. I did not agree to it being so much if I knew it would be been so much I would 've not gotten the loan so I could pay my house rent I would 've gone elsewhere but I feel scammed because I was only told I had to pay {$1000.00}
11/03/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48228
Web
Hello I would like to file a complaint against a company by the name of the big picture loans. I took out a {$200.00} loan and they told me my finance charges would be {$100.00} a total of {$300.00} to pay back. I took out the loan XX/XX/XXXX and started making my monthly payments for XX/XX/XXXX XX/XX/XXXX and XXXX for {$100.00} a month. They are telling me my next payment date will be for XX/XX/XXXX, and that I only pay the principal charges, they are saying that my total loan balance is {$1200.00}.
08/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33179
Web
Last year, I took out a loan of XXXX. I have paid XXXX installments of XXXX, but thereafter, they told me that I was not done paying because I needed pay interest and fees. I was not aware of this when I first agreed upon it. The representative said that I was only going to pay XXXX installments. I have emails to support my complaint of the amount I borrowed. After I told them not to take any more money through ACH payments, they still attempted to take money from my account without my authorization.
09/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21045
Web
I believed the payments would be monthly not every 2 weeks. The amount of the loan with interest would exceed what is allowed by the state of Maryland for a payday Loan. This company seems to be unaware that Payday loans are illegal in XXXX or that they can only be for a specific interest amount. Current interest is XXXX. According to the state of XXXX website the " The maximum interest a small loan provider can charge is XXXX XXXX per month or XXXX XXXX per year '' This greatly exceeds that amount
02/21/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33510
Web Servicemember
I signed up with a company called Big Picture Loans at https : //www.bigpictureloans.com/. I agreed to a loan of XXXX with a monthly payment of XXXX dollars. My first payment was deducted from my checking account as agreed but now the loan company is asking for an additional payment of XXXX every two weeks rather than monthly. I can not pay that amount every two weeks and ask assistance in negociating with Big Picture Loans in accepting a monthly payment of XXXX until i should pay the loan in full.
01/11/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NE
  • 68022
Web
Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. I am willing to pay back the loan with a fair amount of interest but this is excessive.
10/21/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01826
Web
I took a XXXX XXXX dollar payday loan with a finance charge of XXXX. in 8 weeks I paid them back XXXX. They deducted XXXX biweekly. I thought I was done when I received a message that there was another scheduled payment for XX/XX/XXXX, that 's when I found out I was being charged 489.872 % rate with expected payments thru XX/XX/XXXX. I 'm in the process of closing my checking account out so they can not take any more money. They have all my personal information including my social security number.
03/22/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 89074
Web
I took out a {$400.00} loan with XXXX d/b/a XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX and am being charged 866.8124 % in interested. I did not know that the interest rate would be so high or I would not have taken the loan out. I did some checking and found that your organization could help me with this. Please let me know if there is anything else you need for my complaint. They have deducted 4 payments of {$140.00} each every 2 weeks for a total of {$560.00} via ACH from my checking account.
07/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • KY
  • 403XX
Web
Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side
04/06/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • GA
  • 30084
Web
Somebody calling me they said took a payday loan out and they went and my account Last year of XXXX and they could not get the funds they said they taking me to court if these the same people who calling me I pay them already and they saying they never receive anything and I been trick to many time already what should I do they keep calling me they said the name representing is castle payment but they never said the name of they company then every time they call they always put a recorder on
07/30/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • PA
  • 190XX
Web
In XX/XX/XXXX I took out a loan with XXXX, it was then written off. I then got a voicemail today, XX/XX/XXXX that someone was trying to give me documents and I need to make arrangements. I called the number back and they said they are going to sue me for two counts because of XXXX. The number they called from and which I called back is XXXX, they recorded my conversation without notifying me and never gave me the required legal message that they are attempting to collect a debt.
08/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IN
  • 46226
Web
I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!
01/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48430
Web Servicemember
On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.
11/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 33321
Web
I applied for a XXXX loan with Bigpicture loans, and to date have paid back approximately1000 I have advised the company that paying back more money is creating great financial hardship but they are not interested in helping to eliminate this debt. To fulfill the terms of the loan that I was a little unclear about when I applied, I will have to pay another XXXX in payments. My bank account is being drafted every 2 weeks and I am unable to continue with these payments.Please help
06/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98682
Web
I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.
03/27/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 94928
Web
I took out a loan from Big Picture Loans in the amount of {$1000.00}. I was told the finance charge would be {$350.00} for a total of {$1300.00}. I did not see the documents until after I signed. This is apparently not the case and the interest is in excess of 800 % with a bi-weekly draw on my bank account of {$350.00}. I was also told I can not stop ACH as I agreed to ACH in the agreement. If I revoke ACH, BPL states they have the right to present electronic checks to my bank.
11/28/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46143
Web
On XXXX XXXX, 2016 I applied for a loan online, for {$400.00} through Big Picture Loans. After applying and being approved, Big Picture Loans sent me an email with the disclosures that were not available prior to applying. The details state that an APR of 1018.7613 % is being charged, making the total fees {$1800.00} for the loan. To date I have made XXXX payments of {$140.00}, and the principal of my loan is still at {$400.00}. I have paid back {$560.00} as of XXXX/XXXX/2016.
04/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63366
Web Servicemember
I am a XXXX Veteran and have limited income. I reached out to bigpictureloans.com for a loan due shortfallings on my bills in XX/XX/2017 I was paying the installments on time only to realize that the {$800.00} I did pay on my {$1000.00} loan was only interest and that I still had over {$3000.00} to pay. How could anyone afford that? This is highway robbery. There is no way I can continue to afford to pay them {$400.00} per month on a {$1000.00} loan for the next year or so.
10/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IN
  • 46383
Web
I took out a personal loan during a difficult time from Big Picture Loans after receiving a document in the mail being approved for {$670.00} plus a {$160.00} finance charge. I paid on this as I was scheduled and I recently received a notice that my rate is going up next pay period when it should be paid off at this point. I feel trapped in a perpetual payment I can not escape with mounting debt. Is there anyway to settle this without driving me to bankruptcy? Please help.
04/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23455
Web
On XX/XX/2017 I was approved, online for a {$500.00} loan. The interest on the loan is 650.4843 % I have already made 8 payments with a total INTEREST charge of {$1100.00} I did make one additional principal payment of {$100.00} on the loan when I saw that the balance of the loan had not been reduced any. I live in the state of Virginia and have learned that this company is violating usury laws of Virginia where the maximum interest rate on such a loan is limited to 12 %
07/31/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85044
Web
I borrowed a loan {$600.00} with the understanding i will pay it back the XXXX with XXXX interest, till today I have paid back {$1300.00} in interest alone and i can not go further with the payments. No 1 reason i have lost my job and can not continue with the loan balance of {$450.00}. No 2 is that after reviewing the terms of the loan it was not clearly explained to me I will be paying almost triple of what I originally borrowed. I need help on how to end this debacle.
08/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 225XX
Web
I made an agreement over thee telephone to pay them {$210.00} for 7 months, I only brorrowed {$800.00} from them in which there trying to charge me an interest rate @ 800 %. They did not disclose this info until the papers were signed for this loan. I asked this company to send me an email with the new payment arrangements and they never did. I have come to the conclusion that that {$210.00} per month would be interest only. They are trying to make me pay {$6200.00}.
06/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OR
  • 97123
Web
I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX
11/13/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21122
Web Older American
I asked for a payday loan of XXXX, payments of XXXX on my payday ( never happened, they have been charging the opposite weeks ), these payments will continue until 2018, which means I will be paying over XXXX for this XXXX loan.I have paid XXXX, and am willing to pay XXXX by money order to complete this transaction.I was not aware of this payment length until after I signed.The charging of the payment on opposite weeks also caused my account to be overdrafted.
09/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98366
Web Older American
I went on line for a Payday loan Castle Payday. They advertised that it would cost {$200.00} to borrow {$600.00} a total of {$800.00}. I paid them a total of {$840.00} within 2 months. They sent me a email that they were going to take out another {$210.00}. I called them and they said that those payments ( XXXX ) were for interest only. That I still owed them {$800.00}. That is CRAZY!!! Please help me, I do n't know what to do, I cant sleep I am so worried.
12/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IN
  • 469XX
Web
Interest of XXXX %. A loan I got for XXXX XXXX is costing more than 5200.00at payoff. This is indeed predatory, ,my complaint is that I pay XXXXamonth because they won't change the due date, it comes out of checking account XXXX day before paid,, therefore over drawing my account,,, I called and ask them to change date of withdraws they said contract won't let them,,,,,,, approx.XXXXdollarsa month Xtra over draft fees XXXX ... .please check on this company
12/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MS
  • 389XX
Web
I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?
03/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97211
Web
I took out a loan with Big Picture Loan on XX/XX/17 for {$470.00}. The interest rate is 544 % which is way over Oregon 's legal limit. I have already paid {$650.00} on this loan. When I checked my account details it says I still owe {$450.00}. I was not aware that almost all the money I have paid so far has only gone to interest on the loan. I have already paid what I borrowed, plus more in interest. I will never be able to pay off this loan at this rate.
02/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MD
  • 21206
Web
I received preapproval offers in the mail from bigpictureloans.com. I was approved for just {$600.00} even though I wanted more, however for the {$600.00} the apr was going to be 677.83 % for 6months. so I would have paid over {$4500.00} over the duration. I thought it was not real so I called them up and they confirmed that apr. I don't think anybody should be allowed to rip off the poor like that, it should be illegal. they need to go out of business.
03/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 21234
Web Servicemember
I took out a loan with a big picture loans needing some emergency cash not realizing that the interest rate was over 450 % which is illegal. I have had this loan since XX/XX/XXXX making payments of {$430.00} a month since XX/XX/XXXX and my balance is still {$1400.00} according to a payoff amount as of today XX/XX/XXXX months later after paying well over {$1500.00} and interest already. This company uses illegal predatory practices to prey on consumers.
04/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TN
  • 381XX
Web
I applied for a loan of XXXX. I got the loan, but the email they sent me shows they want me to pay twice a month, {$400.00} a month instead of paying once a month and the interest is through the roof. I told them I was scammed. I want to pay them off, but for what I owe them not all of that interest which will total several times more than what I borrowed. I am sick and have been off work. I can not afford interest fees in that amount. Please help ...
07/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • AZ
  • 85282
Web
The company wants payments on payday. I gave them my paydates - every other Thursday. For the entire period of the loan they have taken the payment on payday - thursday. Today they took it early causing my bank account to be overdrawn. I tried to contact them and wort it out. They refused and refused to give me contact information for other departments. They never disclosed that they were tribal owned and that my litigation rights would be impacted.
05/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21208
Web
I took a loan in XXXX 2016 for {$550.00}. I called today to inquire about balance. The balance is over {$1000.00}. They said they charge a reoccurring finance fee. They are under " tribal law '' so they operate differently. They would only agree to stop the additional fees if I set up a payment arrangement for {$1000.00}. My fault for not seeing or inquiring about tribal law. However doing business in t he US then US law s should prevail.
03/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 562XX
Web
I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.
07/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33404
Web
The loan was taken out on XX/XX/XXXX for {$900.00}. Big Picture Loans have been deducting {$250.00} from my checking account bi weekly. I wasn't aware of the apr of the loan was 670.3853 %. I have already paid {$2400.00}, but according to the the account this is all going to interest and nothing to principle. I have revoked the ACH authorization, the contract doesn't end until XX/XX/XXXX. Meaning I would be paying over $ XXXX on a {$900.00} loan.
09/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 55124
Web
on XXXX {$570.00} was deposited into my checking account from Big Picture loans. Starting on XXXX I made 4 installment payments of {$140.00} per agreement. When wanted to pay off loan, I was told I had to pay a total of {$640.00} to be cleared of the debt. I am not gathering how my amount due can be more then what was borrowed when all my payments were made. Attached is the statement from my bank showing the totals for this transaction.
10/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • DC
  • 20032
Web
I signed up for a payday loan. I fell on financial hardships and needed some money to help pay off some of my credit card debt. I found out that the company took out the payment today. I have recently lost my job. I called to scheduled a payment plan and they told me they are unable to do so since my account has already been processed for reoccurring payments. My account is now in the negative and my bank will not reverse the transaction.
11/12/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20601
Web
I received a payday loan from castle pay day and paid {$370.00} I called on XXXX/XXXX/2015 and asked what I needed to pay to pay off loan in XXXX payments. I was told I could pay XXXX on XXXX and next pay XXXX in next two weeks. Then I was contacted an hour later and was told that I would need to pay another XXXX. I do n't have a problem with paying off the XXXX however I do n't think it 's fair to pay twice as much from what I borrowed.
09/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MN
  • 55318
Web Servicemember
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me XXXX XXXX Big Picture Loans , LLC XXXX ID : Loan No. : XXXX Finance Charge {$6000.00} Amount Financed {$1500.00} Total of Payments {$7500.00} Application Date : XX/XX/XXXX Effective Date : XX/XX/XXXX ( You may get funds prior to this date ) Due Date : XX/XX/XXXX every 2 weeks Big Picture Loans , LLC XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX
11/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33177
Web Older American
I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!
11/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98056
Web
I borrowed {$600.00} to get my through until I graduated. They are charging me 600+ % and I went along with it for a few months because I had no choice. I have requested twice to cancel the loan and pay the principle with no response and they keep charging my bank account that is trying to close with no option of cancelling it online. I have no way of viewing my documents online so I can switch it out to another lender or pay it off.
01/24/2017 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • IL
  • 60563
Web
I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.
05/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • AL
  • 350XX
Web
I attempted to make a payment onlver the phone with my debit card in the amount of {$540.00}, but the agents stated that there was an issue with my CVV code. I called my bank only to confirm there was no such attempt at an authorization. I calle d BPL back and att entpted again to process a payment and was told the same thing as before. I eventually settle to have the payment ACHed from my account for {$560.00} for two days later.
09/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 28804
Web
I borrowed XXXX was told my payoff fee total was XXXX which i have paid off and they are still charging me another XXXX dollars. It changes everytime I call them. The woman keeps going back and forth on the phone call. I paid on time and early and they say I owe late fees and charges for another loan I did not commit to as well as finance fees. It is a big scam and sincerely unclear on the rules. Documents keep changing fee amounts.
01/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • KY
  • 42301
Web
They deceived me with the loan and the illegal apr the intrest rate is over 600 % i borrowed XXXX dollars and if i follow the payment agreement i will pay over XXXX $ this is illegal they think because they are sovereign that federal laws do not apply to them this is false im gon na revoke authorization of ach transfers from my bank account and debit cards and if they still debit my account i am going to take them to federal court
08/17/2016 Yes
  • Payday loan
  • Can't contact lender
  • MI
  • 48911
Web
Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices.
11/23/2015 Yes
  • Payday loan
  • Can't contact lender
  • IL
  • 628XX
Web
My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped!
10/08/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 66441
Web Older American, Servicemember
I borrows {$1000.00} from Castle Payday and I have pay back {$1000.00} and the are saying that I have to pay back {$8700.00} to get out of this, The finance Charge are {$7700.00}, When I first ask for a loan it was for {$10000.00} and that was not ok so they sent me the {$1000.00} and starter taken out {$500.00} a month, they have taken the {$1000.00} out my bank, so can you help me because I do n't have that type of money I ret.
05/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 49855
Web
I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''
06/10/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NJ
  • 077XX
Web
The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.
03/08/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OK
  • 741XX
Web
I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.
09/09/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 95822
Web Servicemember
on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.
05/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ME
  • 049XX
Web
I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.
07/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98503
Web
In XXXX of last year I received an offer in the mail for Castle Payday and was approved for a {$600.00} loan. It did not say anything in there about the 850 % interest rate.I received the funds and now every month since then they are taking out {$140.00} from my account. I have so far paid {$1800.00} on a {$600.00} loan. They have also changed their name now to bigpictureloans.com. I feel they are a predatory lender.
04/16/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • AL
  • 351XX
Web
When I took out the loan with Castle Payday later to be renamed XXXX I was not made aware that the interest was 910.0041 %. I did n't get that information until after I signed. I took out a loan of {$450.00} and was not made aware that the loan was going to cost me in total {$2900.00}. I 've already paid them {$1100.00} and still have until XXXX XXXX, 2016 to pay on it. They still tell mE my payoff is {$600.00}.
04/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98682
Web
I applied for a loan and the terms were not disclosed until after the money was deposited in my account. When I looked at the interest rate it is 977.3953 %!!!!!!!!!! I did not agree to that. I am sick to my stomach and do n't know what to do. I have contacted the company and no response yet. I feel I have been deceived greatly on this. I borrowed XXXX and I have paid XXXX ytd on it. This is a XXXX tribe.
08/01/2021 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 76107
Web
For the past two months I've been trying to pay off my loan and the links to pay off the loan don't work. Notice in the attached video that all other links work just fine. I want to pay off my loan early to reduce the amount of interest owed and I think this additional barrier to pay off loans early might have some customers decide not to choose the option and the company can make more money with longer terms.
09/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 56001
Web
The company has contacted me at my place of employment twice. The company interest rate is well over of the cap for the state of Minnesota. They are not registered with the Minnesota Department of Commerce to make small consumer loans in Minnesota. Also, they tried to withdrawal funds on XXXX using check number XXXX. I never provided this check number to the company. I was unaware of my rights after the fact.
08/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55443
Web
This loan is a scam and a rip off because I took out XXXX and the lady told me that i will be paying bi weekly of XXXX. I brought it to her attention thay the payments I see is way over my loan she said that she can see me the right one but its the same one. I talk to other lady and she told me that I havent paid for my loan yet only interest and interest is everyday. I was n't told this when I first did this.
05/11/2015 Yes
  • Payday loan
  • Can't contact lender
  • LA
  • 70122
Web
I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.
01/03/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 28078
Web
I received a {$750.00} loan and was led to believe that {$260.00} was going to be paid each month but instead they are debiting {$260.00} bi-weekly which I never would have agreed to and am not able to do this. They were very deceptive. Also, they never mentioned that the APR was 787 % which is unreal. I feel that I was deceived and never would have agreed to this loan had I known all of the facts up front
11/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23831
Web
Took a XXXX dollar loan. Was told there would be a XXXX service fee, but every 2 week they take out XXXX dollars and now they say my next payment will be XXXX for this XXXX loan I will have to pay XXXX to pay it off I would have never knowingly agreed to this the loan was through big picture loans. They told me the terms, had me sign then showed me my payments. I 'm trying to pay but I know I ca n't keep up
07/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33322
Web
I borrowed {$800.00}. I was not been informed of the 800 % interest rate on the loan. I was told there would be a {$280.00} finance charge/fee, not {$6800.00} in total payments. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. Since, they have withdrawn over {$1400.00} from my account and the amount is scheduled to increase.
07/23/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MO
  • 631XX
Web
I recieved a XXXX loan from big picture loans. I was told over the phone the intrest would be XXXX and that would be taken as the first payment. However after getting the loan and calling i realized the intrest was over 700 % and that they would continue to take XXXX every two weeks and those payment only satisfied the intrest, not the XXXX i recieved. This was absolutely not explained over the phone to me.
09/13/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • RI
  • 02895
Web
I applied for a loan and was approved for {$200.00}. Before I accepted I looked at the payment amounts, how many months and interest rate. They had XXXX options. {$58.00} @ 13 months. {$54.00} @ 20 months. And {$53.00} @ 26 months. All with an interest rate of 697 %. This company should be shut down and all current loans should be forgiven. This is highway robbery at it 's finest and should not be allowed.
02/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98405
Web Servicemember
I am currently under contract with Big Pucture Loans LLC. I borrowed XXXX XX/XX/2016 and I am still paying on it. It has a apr of 783.0324 % which is outrageous. The total i will pay out will be XXXX. When i went online to find out how contact them a headline stated the company was fraudulent. I then found out they are not authorized to conduct buisness in the state of Washington due to the outrageous APR.
10/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33901
Web Older American
I applied for a loan for {$400.00} to help pay my mortgage since my husband passed away I got behind on my payments. When I applied because I was desperate I did not understand the terms and conditions, for a {$400.00} loan I am being charged {$1900.00} and if they take it out of my account I can stand to lose my home. I am on Social Security and {$200.00} a month is more than I can afford. Please help
08/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 442XX
Web
My understanding was that I was taking out an installment loan, which I expected would have monthly interest charges. However I am being charged {$250.00} bi weekly for a {$1000.00}. at an interest rate that is over 700 %. They will not stop the ACH payments, and make payment arrangements. I will be forced to close my bank account, as I can not afford to have this coming out of my account bi weekly.
02/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • FL
  • 33024
Web
On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.
04/03/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 95492
Web
I 've been paying for a year and a half on this loan. About six months ago the information I could access about my account on their website went blank. They kept saying they were having issues with their website - never seem to get it fixed. Had no idea when I took out the loan that the finance charges would be what they 've stated. I 've paid back XXXX of dollars for an initial {$1000.00} loan.
06/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KY
  • 40211
Web
I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %
01/06/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MN
  • 554XX
Web Servicemember
Received a mailing from a company called Big Picture Loans ( www.bigpictureloans.com ) stating that I was pre-approved for a loan. I applied online, and halted the process - the company is charging in excess of XXXX % interest on their loans. In order to borrow the approved amount of {$550.00}, it would have cost me over {$3000.00} to repay over the course of the year following. Is this legal?
09/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85283
Web
I was unaware that for a {$800.00} loan I would be paying a total of {$6800.00}. That breaks down to 887.8767 % a.p.r. I was not supplied with information at the time of the loan. I had to dig to uncover the facts. They stated that the finance fee was a one time charge, but it turns out to be an ongoing interest charge. It is impossible to reach their customer service department. Please help.
02/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • VA
  • 231XX
Web
on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report. I opted out of prescreened offers and they ran a hard inquiry on my credit report without my permission. I do not and did not authorize this and will be filing a federal lawsuit to remedy the situation.
05/19/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SC
  • 29209
Web
I apply for XXXX loan from Cassle Payday I was informed that there would be a XXXX finance charge. Paid off the three in monthly payment. After I made two then I was told that my total payments over XXXX. I told I had agreed to a total of XXXXnot XXXX I would have never agreed to anything like that. Two I receive a call some saying that Cassel Payday have change their name XXXX XXXX Loans.
08/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60649
Web Servicemember
On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
03/28/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85308
Web
I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.
05/10/2016 No
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • LA
  • 70737
Web
It took out the money from my account early. And tried to take more money out on the due date. I took out a XXXX dollar loan and they want me to pay over a XXXX dollars. Then they have the nerve to call everyone that have come in contact with saying threatening message. They are scams!! I had to close my account because they kept trying to get money and I owed the back for overdraft fees
03/15/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TN
  • 37115
Web Older American, Servicemember
Castle payday -aka- Red Rock Tribal Lending, has continue to take money from my checking account that I do n't remember authorising.They say it was for a XXXX XXXX loan which I was to pay XXXX dollars a month.I do n't remember making this loan, but it was on my bank statement, so I thought maybe I did.I have paid them for the last seven months and they say I owe more.Can you help? Thanks
06/22/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33321
Web
Hi I took out a payday loan ( Castle Payday ) back in XXXX of 2013 for {$400.00} in which i would pay {$540.00} back, I originally missed the first payment due XXXX/XXXX/2013, I made my first payment XXXX/XXXX/2013 and after which XXXX XXXX up until XXXX/XXXX/2013 in total i paid {$560.00}. Now 2years later I 'm receiving calls saying I never paid and charges are being filed against me.
10/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 440XX
Web
I had not been informed of the 500 % interest rate on the loan, I was told there would be a {$270.00} finance charge, not {$3300.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This has to be illegal and they give me run around on the phone and calls keep getting disconnected
08/27/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33334
Web
I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!
05/31/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OR
  • 97306
Web
I borrowed {$400.00} in XXXX XXXX, I was told the total I had to pay back would {$620.00} in XXXX payment. It is XXXX XXXX. They will not return my call or email, give me my login information, since they have blocked me. They are still pulling {$220.00} out of my account. I have paid them {$1800.00}. How do I stop them and get my money back. They are complete XXXX. I want to sue them.
10/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21239
Web
This company charges an interest rate of 783 %. I was recently made aware that in Maryland, the maximum amount of annual interest on a loan under {$1000.00} is 33 %. I tried to contact Big Picture Loans in reference to this interest rate and an attempt to settle this debt but the email sent came back undeliverable. I have already made XXXX payment of {$180.00} which is interest only.
01/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94568
Web
XX/XX/XXXX applied for a {$350.00} loan, filled out everything, got the loan. thought all i would have to do was pay off the loan, plus a small fee, and that would be it. What i didnt know until my loan was approved was the inetrest rate of 597 %. I did some checking, and also found out that they are not even licensed to do business in the state of CA where i reside currently.
10/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • AL
  • 35205
Web
I took out a {$500.00} online loan from Big Picture Loans. I was under the impression that it would be a {$150.00} finance fee. It was n't until after the funds were disbursed that I was made aware of the Truth in Lending Disclosures and that the finance charges were actually XXXX with an 542.4636 % annual percentage rate. I am now stuck paying over {$2000.00} for a {$500.00} loan
10/09/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • MN
  • 56601
Web
The company is castlepayday loans. They pull {$350.00} every other week and when I called to complain about them taking the money out on Thursday when I do n't get paid until Fridays. They told me that the money they took out of the bank account 4 times was for the interest only and not the principal for {$1000.00}. Please let me know what I can do. The loan was processed on XXXX.
08/19/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 208XX
Web
Castle Payday Loan Inc. sent me what looked like a solicitation for a Payday loan via the USPS on or about XXXX XXXX, 2015. After contacting Castle, it seems that the solicitation was an attempt to collect on a Payday loan, which i canceled more than three years ago and for which interest continues to accrue. They also refused to provide documentation supporting the alleged debt.
04/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 44135
Web
My final payment was due on this loan on XX/XX/XXXX. Big Picture Loans presented a debit to my bank for less than the amount of the final payment. Then they began calling, emailing and harassing me onXX/XX/XXXX telling me my loan is late and I must call to talk with them. I called and got absolutely nowhere. Their agents barely speak English and just say they can not help you.
06/21/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DC
  • 20019
Web Older American
I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.
05/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60618
Web
There is n't a topic above that addresses my complaint. I have an installment loan from Big Picture Loans. They are owned by an XXXX XXXX in Michigan. I took out a loan for {$1000.00}. They take {$250.00} out of your b bank every other week. And none of it is applied to interest! They 'd make the XXXX blush. Do yourself a favor and stay far away from these slimy crooks!!!
11/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33830
Web Servicemember
I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.
06/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30286
Web Servicemember
I received a loan from bigpicturepayloans, that was listed as a installment loan, borrow XXXX payback XXXX, I was not advise of the interest rates or that they would be charging my account XXXX dollars a month. interest rates of 900 percent, this was not advise to me. I did not see this when I signed the agreement. Please help. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga XXXX
02/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30096
Web
On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.
11/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IA
  • 500XX
Web
I took out a {$1000.00} loan from Big Picture Loans and was initially told I would pay {$400.00} in a finance charge, but instead they took out {$500.00}. They said I could pay them more on top of the {$500.00} to reduce the principal by a {$100.00}, but the next payment would be {$500.00} another finance charge for the 2nd month. I ca n't afford this outrageous amount.
04/15/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30349
Web
When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.
07/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MN
  • 55427
Web
this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.
01/16/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30909
Web
APR for this loan is XXXX -- -Finance charges are XXXX from Bigpictureloans . As of XX/XX/2017 they would have taken XXXX from my account and I only borrowed {$450.00} and each time a payment is taken the PAYOFF AMT goes up. The current payoff amt is XXXX, this is just a rip-off -- -please help! This was explained to me as an installment loan -- NOT a payday loan.
08/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33435
Web
I signed up for this loan without realizing my total payments were going to be {$4200.00} in total on a loan that was for {$600.00}. I did n't realize these disclosures until after the fact. This is outrageous. How can a company get away with a 849 % annual percentage rate? This is killing me. I have already paid them {$1000.00} and still have XXXX more payments.
12/27/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 554XX
Web
The company misrepresented the total amount to be paid on my loan. I was never told I would pay back {$6200.00} dollars on a {$800.00} dollar loan. They expect me to pay {$400.00} dollars a month until the whole {$6200.00} dollars is paid. I found out later after contacting them on XXXX/XXXX/2016. This was 2 months after the initial loan was taken out from them.
10/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NE
  • 685XX
Web Older American
I took out a XXXX loan and now the company says the first five payment don, t count on the loan I would be paying 788 % interest which they didn, t tell me it is with big picture loans out of XXXX there address is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I believe its a real scam I don, t have that kind of money Sinerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 91730
Web
I called the company on XXXX/XXXX/16 to request that all ACH transactions be stopped due to a problem with my bank account. I was told it was stopped and nothing would be debited. I sent in a money order as my p/ayment as instructed as an option to pay. I called a 2nd time on However, my account was still debited and I 'm being told there 's nothing they can do.
09/24/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 620XX
Web Servicemember
I was loaned {$800.00} from CastlePayday Installment Loans with the agreed terms I would pay a one time finance fee of {$280.00} upon receiving the loan. They did not disclose to me a {$280.00} finance fee every time I would make a payment. Now twice a month, I am expected to repay {$280.00} plus a principle charge of {$25.00} or more a month to repay this loan.
01/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95677
Web
On XX/XX/XXXX, I received in the mail an offer from Big Picture Loans. They approved me for a {$600.00} loan, and I understood that the interest would come to XXXX. I have come to find out that they want XXXX every week for a total cost of {$4200.00} and {$3600.00} in interest ( 665.2037 % ). Had I known this was the case, I would never have agreed to the loan.
11/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 440XX
Web
Took a loan out for {$1200.00} have paid back {$1200.00} before Loan was due on XX/XX/XXXX. Balance has not gone down and still shows 12 payments of {$450.00} due every month. Have asked company for loan docs, asked why Loan balance hasnt reflected the {$1200.00} payment and what the payoff balance is. They will not work with me or show my loan as paid in full.
03/29/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • MD
  • 21030
Web
I took out a payday loan from a company called Castle Payday. The deposited {$1300.00} into my account on XXXX/XXXX/2014. Then then withdrew and average of {$330.00} per payment on each of my paydays between the dates of XXXX/XXXX/2014 and XXXX/XXXX/2014. The total amount paid equaled {$3000.00}. Per the my account page on their website I still owe {$1500.00}.
07/19/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 91784
Web Older American
This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.
06/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46060
Web Older American
I got a loan with them initially the pay off amount was XXXX they would not let me view the truth in lending or loans and started debiting my bank account every 2 weeks XXXX I looked on the website and they have made a repayment plan for 1 whole year every 2 w eeks for XXXX I would have never signed anything had I known they would charge this much.
11/12/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • XXXXX
Web
Got a loan from XXXX Loans for {$800.00}. Over the phone I was told that I would have to pay back {$1000.00} total with {$280.00} installments every XXXX weeks. First payment was XX/XX/2016. When I checked the account online the payment of {$280.00} did not reflect on my account. Now the company is trying to charge a {$6000.00} interest on an {$800.00} loan
09/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NV
  • 89052
Web
i have a payday loan that is due on XX/XX/18. I called this company on XX/XX/18 to pay the loan off in full and they tell i can not pay the loan off. They advise that i have to wait until they process my payment on XX/XX/18 then call back and then i will be able to pay off. this is ripping the customer off as i will be charged a double interest amount.
08/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 70808
Web
I made a loan from the company about a year ago and was not aware of the 800 % interest rate. Just recently i noticed that they are still removing money from my account. I borrow about XXXX and from my bank statements they have not stopped taking payments. I go to the website and they say I still owe XXXX! This place has stolen a lot of money from my acct.
02/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MS
  • 38637
Web Older American
I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you
06/16/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MO
  • 630XX
Web Servicemember
Trying to get in touch with Big picture loans to get my loan number, so I can change the status with my bank, and ca n't get it. it is not on any paperwork nor can I get through when i try to call. This keeps causing my account to go negitive. Also there was added verbage to my loan paperwork that I did n't see until I reviewed before submitting my claim.
08/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32210
Web
I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.
05/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21043
Web
I could n't see the lender agreement until after the loan was processed so I did n't see the true cost of the loan before I agreed. I thought the loan should be paid off by now, so i contacted them. I got the {$600.00} loan 90 days ago, I pay {$210.00} every 2 weeks and I was told I still have a balance of {$810.00}!!!! Please, Please, Please HELP ME!!!!
10/13/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 312XX
Web Servicemember
This loan has a XXXX APR I 'm pay XXXX every two weeks for one year on a XXXX loan I tried paying them off early only to get the run around as if the phone had a bad connection and I tried going online to pay them off and they said I could because I still had two more days before my due date and that I could n't use another debit card to pay off the loan
09/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MA
  • 010XX
Web
I didnt realize it was going to be this bad. My bank wants to set me up with a new account to avoid this but Im afraid theyll come after me at my job. I cant lose my job due to harassment. Im very scared. I was struggling but I didnt realize how much Id have to pay back. The bank says they keep taking and taking and taking and the fees are crippling me.
03/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32210
Web
I was unable to view the truth in lending disclosure until after loan had been processed and funds delivered to my account. I was not informed of the 473.733 % interest charge. To date Ive paid {$1700.00} to date for interest on a {$1600.00} loan. Ive only paid {$140.00} towards the principal. And Ive only made 9 of the 26 installments to this company.
08/26/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • AL
  • 35160
Web
I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.
08/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 228XX
Web
onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan
12/09/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 45373
Web
This is in followup to case XXXX. I sent a message to Big Picture Loans revoking ACH authorization and they did not accept this. They still withdrew money from my account. How do I get them to accept this? I also firmly believe that this is predatory lending at his finest and is illegal. They should credit my balance as payment in full completed.
09/25/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 672XX
Web
I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.
06/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • IL
  • 60614
Web
I agreed to a settlement on XXXX XXXX and made the last payment ( XXXX ) on XXXX ( posted XXXX ). This should have closed my account. The next day, they debited me again for XXXX and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.
04/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', BBL actually owes me {$1100.00} in overpaid interest.
08/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • RI
  • 02864
Web
I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.
10/14/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 339XX
Web
I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.
06/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48329
Web
In XXXX of 2016 I was need of some emergency cash. I responded to loan offer that I received via email. The process was prompt but I was not aware of the enormous interest rate. I borrowed {$550.00} and this far have money has been withdrawn every two weeks to the tune of almost {$2800.00}. I feel so stupid for being so desperate.
06/10/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 441XX
Web
I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English
01/21/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30016
Web
I borrowed XXXX. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$4000.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal.
02/23/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55024
Web
I borrowed {$600.00} from Castle pay day and they specifaclly told me that my pay off balance will be {$750.00} ithis compamy have collected more that twice the amount i borrowed from withdrawing from my account only for them to tell me i still owe {$750.00} and some more finance charges.How can this be legal in the united states.
06/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21222
Web
On XX/XX/2018 i took out a loan for {$500.00}. To this date i paid {$840.00} and only {$15.00} went to the principle. I still owe {$480.00}. The APR is 469.1328. I didn't get a chance to view the Truth in lending disclosure until the loan processed and hit my account. I didn't know the interest rate until the loan hit my account.
12/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 457XX
Web
I received a loan from Big Picture loans for XXXX dollars. I started making on XX/XX/2016. I have currently made 5 biweekly payments of XXXX dollars totaling XXXX dollars. I was unaware of the high interest of XXXX and payments not going toward my balance. The cost of this loan is XXXX dollars. I feel the loan was misrepresented.
01/25/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.
12/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33134
Web
I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.
12/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 21215
Web
Never The application before their system timed out when I went back in to login it had a denial for {$200.00} loan that I did not request I spoke with someone at the company does telling me they dont know how to fix it the system was asking me for baking information I never submitted the application so how can they go forward
04/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 31503
Web
applied for a loan with bigpictureloans.com on XX/XX/2019 to help with some bills, got approved but after the finalization was done received the information on repaying the loan in detail. will be repaying 3 times the amount I borrowed. loan amount was {$1900.00} the repay is going to be {$6900.00}, this is completely unfair.
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30126
Web
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
11/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 31605
Web
On XX/XX/XXXX I applied for a {$800.00} loan. Later I discovered that my payments would be {$320.00} and end in XX/XX/XXXX totaling over {$3800.00}. The interest rate is ridiculously high. I have currently made two payments totaling about {$650.00}. Please help me if possible. There is no way that I can afford this loan.
11/03/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 94109
Web
On XXXX. I took out a payday loan of {$1000.00} thru Castle Payday. They approved my loan i have paid them a total of {$2800.00}, that is 286.90 % interest. I have been receving calls from a coolection company stating that i will be served with court papers. i feel i dont owe them anything they got {$1800.00} in intrest.
04/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23455
Web
XXXX now called bigpicture. I applied for a loan. they toldme I could pay off early and pay balance an interest to that day. I borrowed XXXX already paid XXXX ask today XX/XX/2016 for pay off as of today and iwas told XXXX plus XXXX this is not what they said originally. that 's over XXXX they are not upfront and honest.
08/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55116
Web Older American, Servicemember
I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties
09/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21234
Web
I applied for a payday loan from Big Picture XXXX and did n't expect my pay back amount to be so high in interest. They approved me for a {$420.00} loan and when reading the interest it will be over {$2000.00} or more to pay off .... Misleading information .... Too high of a fee for a {$420.00} loan ... Please help
06/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94621
Web
XX/XX/XXXX approved for {$800.00} loan. I did not know about the 659.6368 APR unti l the money was posted to my bank account. My loan payment schedule is stretched out to XX/XX/XXXX paying over {$200.00} twice a month. THIS SHOULD BE ILLEGAL. This is the first action I 've taken so far. Please help!!!! Thank you.
05/02/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30093
Web
Online payday loan stating they are licensed and are not as I am just finding out payday lending is prohibited in GA. Also they told me the balance with finance fees was a little over XXXX dollars but after I agreed and got the written contract by email, the loan shows payments for 24 months for over 3000 dollars.
08/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98271
Web
I took a {$800.00} loan out on XXXX XXXX. I was not informed of the 523 % interest rate and I was told there was only a monthly payment of {$180.00} come to find out its bi weekly. I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
05/07/2016 Yes
  • Payday loan
  • Can't contact lender
  • IL
  • 60016
Web
I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call
10/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60563
Web
I was given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.
06/24/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32828
Web
I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.
01/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34221
Web
When I got this loan I thought the fee charged was a one time fee. I didnt realize the interest rate was 400 %!!! Ive made 8 payments of {$190.00} ( {$1600.00} total ) on a {$1000.00} loan and still owe over {$700.00}. Ive paid over {$1000.00} interest and less than {$300.00} went to the principal.
10/19/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33351
Web
I was n't not informed by Big Picture Loans of the 614.736 annual rate. I borrowed {$500.00} and was told I would have to pay {$120.00} in interest. I did not know the {$500.00} loan would cost me {$1900.00} totaling {$2400.00} for the entire loan. I have currently made XXXX payments totaling XXXX.
06/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60030
Web Servicemember
I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.
02/07/2017 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 77581
Web
Called my child 's telephone and said they were the XXXX County Sheriff and wanted to issue a summons for me on bank XXXX, I also received this same message left on my phone. They then called my employer and left this message for my boss. I called the sheriffs department and they did not call me.
11/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 98422
Web
I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account
02/06/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 70663
Web
I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.
11/21/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32114
Web
I borrowed XXXX from Big picture Loans and have up to date paid them XXXX with still more to pay bi weekly, at 803 % with payments going all the way to XXXX 2017. I closed my checking account since I can not seem to keep with this bi weekly payment of XXXX, this absurd please advise. Thank you
12/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21229
Web
I have made multiple payments on a payday loan that I took with Big Picture Oans out for {$700.00}. Since I 've been paying none of the money has went toward the loan or fees, it 's only been going towards interest which does n't lower the amount that 's owed. The interest rate is ridiculous.
09/24/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 730XX
Web
I signed the loan agreement with disclosed rate. What I did not understand is the way fees were calculated the day after you make a payment the new finance charge is front loaded on to the balance. If I paid according the the schedule I would pay approximately {$5000.00} for a {$1000.00} loan
09/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SC
  • 295XX
Web
charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company
06/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 21218
Web
I paid big picture loan ahead of time to avoid the interest. I was to have no balance left but on XX/XX/XXXX it was a balance of about {$79.00}. Now they're saying l owe them {$290.00}. I refuse to pay more because on a {$1500.00} loan l have paid back close to {$5000.00}. I have had enough.
07/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23235
Web
I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.
10/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22407
Web
The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.
03/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48047
Web
I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.
06/05/2015 No
  • Payday loan
  • Received a loan I didn't apply for
  • DE
  • 19713
Web
On XXXX I discovered the withdrawal of {$290.00} from my bank account for a loan from " Castle Payday '' which I never applied for. I have since discovered that the loan, for {$850.00}, was taken out in late XXXX in my name, and has a 38-month payment timeline and a roughly 400 % APR!
02/23/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 78244
Web
Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years
06/01/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44870
Web
When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio
08/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 225XX
Web Older American
I borrowed {$300.00} from XXXX, also known as Castle Payday Loans. I have made several payments to them that totals close to XXXX. When I tried to go on the Website to pay the full amount, they would immediately take the website down. There trying to make me pay XXXX for {$300.00}.
01/25/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 218XX
Web
I took out a {$700.00} loan from Big Pictures Loans on XX/XX/2022. I have paid a total amount of {$740.00} towards my loan. I am currently unemployed and requested that I make a final payment of {$100.00} and close my account. They have refused to work with me on this matter.
04/08/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • WY
  • 824XX
Web Servicemember
XXXX The pay day loan company keeps charging my account even though I have paid more than the agreed amount and they hang up on me when I try to call them and find out why. They always put me on hold and hang up the call. I have paid {$50.00} over the agreed loan amount.
12/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NV
  • 89103
Web Servicemember
Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for a higher fee. Refused to stop an ACH withdrawal
09/16/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MN
  • 55337
Web
I am just checking to see if this payday loan company is legal and legit. As of XXXX, I will have paid back {$850.00} on a {$400.00} loan and, if unable to pay the loan down incrementally, will have paid them {$1300.00} in interest by the time the loan is paid off.
12/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60181
Web
I took out my loan on XX/XX/2019. I have since found out that their loans are not legal in the State and not licensed to do business here. I have revoked my ACH withdrawal authorization and notified them to not contact me via phone. They have texted me since.
05/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ND
  • 58104
Web
i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest
10/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48507
Web
Charged high interest even thought it was not discussed in my loan agreement. Would not verify my bank account for XXXX payments and tried to make an illegal XXXX way call with my bank to verify. Told me to act like they werent on the line while they did it.
05/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21239
Web
I received a letter stating Failure To Pay Could Affect Your Credit History. I have never applied for a loan from this company ; and now I have gotten this letter telling me I am past due on my loan payment. My personal information must be used improperly.
05/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • TN
  • 381XX
Web
I believe this company to be shandy and as scam. They have said that I 'm both approved and not approved at the same time. They have a lot of back noise going on when they 're on he phone and it sounds like they 're using machines to change their voices.
10/18/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • DC
  • 20019
Web
Borrowed XXXX finance change every time l make a payment if not payed in fill is XXXX .a when I asked about paying fill make excuse to get more money, so I made payments and still owe XXXX.I do n't know what to do I will be paying the rest of my life.
07/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • 365XX
Web
I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! I have made over XXXX in intrest.
01/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94015
Web
XX/XX/2020. {$2400.00} Something but the Principal amount is only {$1500.00}. I already made a payment of {$1000.00}. I want to make a settlement and lower the amount balance and I want to pay it off soon without any additional charges. Thanks
01/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 601XX
Web
I am struggling to make my payments and my payoff is a ridiculous amount that I can't afford. I am really struggling due to my son 's medical condition and I want to pay this off but the payment amount is too much and the charges are insane.
05/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60620
Web
I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.
10/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • RI
  • 02861
Web
From the month of XXXX I have been paying XXXX XXXX dollars every two weeks and expecting to end last payment XX/XX/XXXX talking interest on XXXX loan said 13 weeks loan payback with interest. Is this legal a tribal place runs it
02/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 78741
Web Servicemember
I contacted the company about lower my interest rate to be in accordance with the Military Lending Act after I got my orders sent to me. I sent a copy of my orders to the company and they are refusing to lower my interest rate.
04/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 30349
Web
Hello, my name is XXXX XXXX and I am currently dealing with a tribal loan ( Big Picture Loans ) with illegal interest rates. I owe over XXXX dollars for a XXXX loan. If anyone can assist me, it would be greatly appreciated.
01/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • KY
  • 416XX
Web Older American
Received a collection call from XXXX XXXX XXXX that I didnt receive for over {$1200.00}. I applied for the loan but didnt receive it. Now I think they will try to take it from my checking account. They are listed on XXXX
02/09/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 71111
Web Older American
I took out a XXXX payday loan from Castle pay day. They are charging a XXXX finders fee for this loan every month. I have to pay something on the principle plus finders fee. The rate is somewhere around 575 %. is this legal
12/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60181
Web
I TOOK OUT MY LOAN ON XX/XX/2019. I HAVE SINCE FOUND OUT THAT THIS BUSINESS IS NOT LICENSED IN MY STATE. I HAVE REVOKED MY ACH AUTHORIZATION AND HAVE ASKED THEM NOT TO CONTACT ME ANY MORE BY PHONE, BUT THEY STILL TEXT ME.
05/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85295
Web Servicemember
My APR is 344 %. Arizona 's statutory maximum for consumer lenders is 36 %. I borrowed {$2000.00} and I have paid back {$3200.00} since XX/XX/2017. That interest rate is 116.93 % and the loan is void under Arizona law.
04/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33570
Web
i borrwed XXXX dollars and paying XXXX each payday ever y two weeks and the amount i pay didnt credit my account. They are charging me over XXXX dollars in interst for a XXXX dollar payday loan. I cant afford.
03/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44039
Web Servicemember
I am being charged 548.4948 % interest on a {$1000.00} loan. I learned only after accepting the loan agreement that this was an illegal practice in my state of Ohio and that the maximum interest rate allowed is 28 %.
06/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AL
  • 350XX
Web
Took a payday loan out with castle Payday in XXXX XXXX 2013 ... there were hidden fees I did n't know about until after . ... Well now 4 years later I get a call about suing me ... They threatened to serve me
06/07/2016 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • FL
  • 34639
Web
Big Picture Loans Signed agreement 3 times and now they tell me that funds will not be deposited until XXXX. I was told so many lies. They repeat themselves and it does n't seem the contact center understands XXXX.
12/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MA
  • 010XX
Web
The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars
09/22/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NV
  • 89117
Web
Deducted payments from my bank account and did not credit my account. I paid over XXXX for a XXXX loan and nothing was applied to my balance. They have also called me and my employer and threatened imprisonment.
08/31/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MS
  • 397XX
Web
My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.
05/26/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 93535
Web
Big Picture Loans / XXXX interest rate is against CA laws also take inrerest only payments then drafted remote chevks after I had filed a stop on ACH withdrawals was and is difficult to stop remote checks XXXX
05/03/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • ID
  • 83705
Web
I borrow XXXX from BigPictureLoans and now I pay XXXX every other week. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
09/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • ME
  • 04240
Web
Borrowed {$1000.00} from Big Picture Loans and was told there would be a one time finance charge, but they end up charging it every two weeks. Very misleading and cant get anywhere with customer service.
04/20/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • NC
  • 278XX
Web
L XXXX XXXX XXXX XXXX XXXX - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.
07/29/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30088
Web
Castlepayday.com is doing business in Georgia where it is illegal to provide payday loans. The interest was higher than expected. I thought it was a regular installment loan, but it is surely predatory.
04/15/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 980XX
Web
I applied for a {$1000.00} loan and was aware of the {$350.00} finance charge. I was not aware of 900 % interest. I also was not given the truth in lending disclosure until after my loan was approved.
07/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 306XX
Web
I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.
08/06/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30122
Web Older American
Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!
02/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 231XX
Web
on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
04/01/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • ME
  • 049XX
Web
I borrowed XXXX from castle payday and they said I would have to pay back XXXX now they tell me the XXXX a month is interest only now the closed castle payday and opened it under XXXX payday
08/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33578
Web
I had no idea that I was going to be paying such a high amount every month, but this company has been calling my job and my cell phone just being very annoying. Please just make them stop.
05/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98126
Web
The wording surrounding the terms of the loan were very confusing and did not make sense. I would not have accepted a {$500.00} loan for a total payment in fees of over {$3000.00}.
09/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85326
Web
I received a loan with big picture loans was never advised of he apr 832 % that I would be charge for a loan that I would be paying that increase amount over the borrow amount
06/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 97306
Web
I received a loan of {$600.00} last XXXX, I have TO DATE paid {$1600.00}. I understand that the interest rate would be high, but this company is taking advantage of people.
10/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • CA
  • 92101
Web
I paid off my loan in full on XX/XX/14. The company then continued to remove funds from my bank ( ~ {$320.00} ) after I had received notice that I had paid off my debt.
04/07/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 317XX
Web
I applied for a loan from big picture loan company and they only gave me XXXX now asking back double the money than what I got and their fees and rates are too high.
02/24/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 33065
Web
They denied me the ability to pay the loan off. Very rude and unprofessional. They want me to keep paying this loan every payday. I need assistance with this please.
04/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73505
Web
I applied for the loan but was unable to access the information about fees and the exact rate of interest. I have paid over {$1200.00} already for a {$1000.00} loan.
05/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NM
  • 871XX
Web
XXXX and XXXX claim to be have the the loan and i asked for a payment arrangement and they said they couldn't do this and that they would have to take me to court?
10/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 285XX
Web Older American
The interest amount of a {$570.00} loan was over 500 %. I ended up paying over {$3600.00} for a year payback amount.I need to know if this interest amount is legal
04/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MA
  • 020XX
Web
Higher interest rates than any loan, paid {$1100.00} in interest for a {$300.00} loan. Took {$88.00} from my account every other week from XX/XX/XXXX to XX/XX/XXXX
12/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55902
Web
Tried to come up with a solution but they wo n't help they are charging over 400 % interest and the loan is getting no where and I ca n't afford the loan anymore.
12/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30236
Web
I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back
08/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21206
Web
I received a payday loan of {$400.00} after I agreed to it they sent me documents that stated i would be paying back close to {$2000.00} on a {$400.00} loan
12/17/2015 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32258
Web
I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full
08/09/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 983XX
Web
I am not sure ; but they took the loan payback out of n my paycheck, back in 2012, they have been harassing me ever since for money. It 's insane!
01/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 301XX
Web
I am trying to pay off the loan without the excessive interest charge. I am willing to pay off the principal but they do not want to negotiate.
09/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74012
Web
Changing the payment to {$170.00} from {$150.00} and the payoff is & XXXX ( more than the original loan of {$600.00} ) after 4 payments.
05/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MA
  • 02445
Web
I never ever took out a pay day loan and I looked up the company Big Picture loans and they come up under multiple names and addresses.
03/31/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 371XX
Web
Applied for XXXX dollar loan lende wanted 24 payments of XXXX paid back to them. Big rip off over XXXX dollars for only XXXX loan.
08/05/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 75023
Web
Loan that was paid is being drafted by an illegal Tribal Lending Company. Cease & Desist, and needs to stay out of my bank account!
07/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MI
  • 49426
Web
I received a threating call from a outside number on this loan i did not take out it had been charging my account for over a year.
08/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 322XX
Web Older American
Borrowed {$350.00} from Bigpictureloans in XX/XX/XXXX paid XXXX each month up to XX/XX/XXXX still have a balance of {$380.00}.
08/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30062
Web
I took out a lone for {$1200.00} and I have pay back {$1700.00} they said I still owe {$1000.00} I have made seven payments
02/18/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ME
  • 047XX
Web
I borrowed XXXX an they charged me a lot more than what I did borrow the money they take out I really need! It 's crazy!
06/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92373
Web
I got this loan to help family. On all my emails and phone calls to arrange a payments plan I had no answer.
05/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • NC
  • 286XX
Web
They take money out of your bank accou nt two and three ti mes a month I wish I never got loan through them
11/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20745
Web
Castlepayday.com proposed one amount and then fradulantly proposed a different amount on another document.
06/17/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MA
  • 01970
Web
I would like to pay back my principal amount of {$1000.00} but Castle PayDay will not allow me to repay.
11/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32506
Web Servicemember
I borrowed XXXX. I have repaid over XXXX. They still say I owe over the amount I borrowed. Total scam.
10/06/2021 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • FL
  • 344XX
Web
Was pre-approved. However, I was still denied. There service has been dishonest and fraudulent!!
11/07/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • TX
  • 76013
Web Servicemember
the interest is astronomical and unethical this should not be allowed the interest is 400 %
10/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • DC
  • 20032
Web
I wanted to change the auto payment amount but the company told me that I could not do so.
05/21/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97214
Web
Collection agency is calling repeatedly to my work, including calls to my supervisor.
04/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30294
Web
Big Picture Loans charged above the allowed amount of 16 % for the State Of Georgia.
02/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33311
Web Servicemember
I borrowed {$400.00} and they want want me to pay back like {$2700.00} that's crazy
10/02/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 31405
Web
Castlepayday.com charged me 700 % interest without my knowledge on a XXXX loan.
08/04/2016 No
  • Payday loan
  • Payment to acct not credited
  • MN
  • 55411
Web Older American
loan was pay of but they keep calling me at my job these peoples are XXXX
07/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46202
Web Servicemember
Charged illegal interest rate of 585 %
01/08/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30263
Web
12/18/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • NC
  • 27610
Web
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33618
Web
10/24/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • IN
  • 46613
Web
09/25/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • XXXXX
Web
06/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TN
  • 38116
Web
05/01/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33165
Web
12/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IN
  • 469XX
Web
08/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • AL
  • 354XX
Web Older American
07/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60188
Phone
10/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • NC
  • 27858
Web
10/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • NC
  • 27858
Web
09/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 47429
Web
09/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MD
  • 21218
Web Servicemember
01/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89515
Web
11/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 99207
Web
11/13/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91962
Phone Older American
10/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WA
  • 99207
Web
09/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone Older American
09/22/2020 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • LA
  • 70501
Web
08/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60466
Fax Older American
06/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92704
Web
05/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30273
Web
04/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98375
Phone
03/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 31513
Web
03/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • DE
  • 19803
Referral
02/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98003
Referral
11/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 02038
Web
10/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32159
Web Older American
10/19/2019 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46151
Web
10/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97302
Web Older American
10/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 61008
Phone Servicemember
10/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91752
Web
09/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28677
Web
09/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30097
Web
07/18/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45050
Web
07/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94117
Phone Older American
06/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32820
Referral
06/22/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02703
Web
06/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MA
  • 02118
Web
05/30/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • SC
  • 29223
Web Older American
05/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33408
Web
04/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 77051
Web
04/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 43229
Web
04/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30115
Web
04/04/2019 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NC
  • 27803
Referral
04/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 76129
Web
03/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46229
Referral
03/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • SC
  • 29303
Phone
03/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 957XX
Web Servicemember
02/11/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33065
Web Older American
02/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98148
Referral
02/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60005
Web
02/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 75401
Web
01/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60630
Web
12/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 33584
Web
12/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98117
Referral
11/17/2018 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28277
Web
11/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20814
Web
10/26/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • MD
  • 20784
Web
10/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33615
Web
10/03/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98108
Referral
09/28/2018 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DC
  • 20020
Web
09/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AZ
  • 85304
Web
09/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TN
  • 37022
Web
08/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 75189
Web
08/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Postal mail
08/14/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45030
Web
08/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21237
Web
08/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Postal mail
08/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30126
Web
07/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 99203
Web
07/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30721
Web
07/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21076
Web
07/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30024
Phone
07/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30145
Web
07/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30145
Web
07/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85037
Web
07/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34429
Web Servicemember
07/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • NE
  • 68801
Web
07/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NE
  • 68801
Web
06/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46123
Web
06/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MN
  • 55125
Web
05/24/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33884
Referral
05/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48316
Web
04/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IA
  • 50311
Web
04/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48322
Web
04/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • CA
  • 92071
Referral
04/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 23235
Web
04/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IA
  • 50073
Web
04/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21216
Web
04/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29072
Web
03/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OK
  • 74547
Referral
03/27/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46787
Fax
03/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55119
Web
03/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AK
  • 99645
Postal mail Servicemember
03/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21061
Web
03/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30228
Web
03/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30058
Web
02/25/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34293
Web
02/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60074
Web
02/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NE
  • 68801
Web
02/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
Phone
02/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 55063
Fax
02/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NE
  • 68801
Web
02/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34698
Web
02/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 34668
Web
01/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28213
Web
01/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98444
Web Servicemember
01/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30168
Web
01/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92706
Phone
01/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 43140
Web
01/22/2018 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
  • MA
  • 02655
Web
01/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IN
  • 47201
Web Servicemember
01/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28501
Web
01/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90059
Web
01/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46628
Referral
12/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TN
  • 37042
Fax
12/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
Referral
12/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 76182
Web Servicemember
12/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33570
Web
12/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 37620
Web Servicemember
12/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
Phone
11/28/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30314
Web
11/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 27356
Web
11/25/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OK
  • 74902
Web Servicemember
11/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91732
Web
11/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OK
  • 74017
Web
11/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 30315
Web
11/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IN
  • 46614
Referral
11/16/2017 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
  • IL
  • 60435
Web
11/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92083
Web
10/20/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32404
Web
10/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • GA
  • 30349
Web
10/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OR
  • 97007
Web
10/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30607
Web
10/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33409
Web
10/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 34221
Web
10/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AZ
  • 85354
Web
09/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 91203
Web
09/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21225
Web
09/28/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95210
Referral
09/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98512
Referral
09/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DC
  • 20020
Web
09/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 02169
Web
09/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30315
Web
09/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 27607
Web
09/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TN
  • 37069
Web
09/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48141
Web
09/05/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89052
Web
09/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 97078
Web Servicemember
09/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46239
Web
08/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48162
Web
08/31/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • GA
  • 30252
Web Servicemember
08/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98354
Web
08/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48228
Phone
08/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 71129
Web
08/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 27292
Web
08/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01540
Web
08/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • GA
  • 30122
Web
08/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85041
Web
08/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44130
Web
08/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98271
Web
08/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98271
Web
08/11/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30106
Web
08/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85041
Web
08/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33570
Referral
08/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44313
Fax
07/28/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32812
Web
07/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34953
Web
07/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30016
Web
07/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • WA
  • 98391
Referral
07/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30336
Phone
07/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32210
Web
07/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32210
Web
06/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98409
Web
06/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48152
Web
06/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • TX
  • 75050
Postal mail
06/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28206
Web
06/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92301
Web
06/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32174
Web
06/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32935
Web Servicemember
05/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98177
Postal mail
05/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21208
Web
05/12/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • HI
  • 96817
Web Servicemember
05/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01702
Postal mail
04/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85032
Web
04/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27856
Web
04/21/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MN
  • 55330
Web
04/18/2017 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • IN
  • 46408
Phone Older American, Servicemember
04/13/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 21075
Web
04/12/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 75050
Web
04/11/2017 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 37127
Web
04/08/2017 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55419
Web
04/06/2017 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 286XX
Web
04/05/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 30067
Web
04/03/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22655
Web
03/31/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97303
Web
03/31/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 206XX
Web Older American
03/29/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MI
  • 49203
Web
03/28/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77015
Web
03/28/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32503
Web
03/28/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32503
Web
03/16/2017 Yes
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • WA
  • 99223
Referral
03/13/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • FL
  • 32643
Web
03/01/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30141
Web
03/01/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90046
Web
02/26/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MA
  • 02136
Web Older American
02/24/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32256
Web
02/16/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ME
  • 04730
Web
02/15/2017 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 45215
Web
02/15/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • ME
  • 04276
Web
02/13/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 90063
Referral
02/09/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98168
Web Servicemember
02/09/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 47454
Phone Older American
02/08/2017 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 32713
Web
02/07/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 62612
Web Older American, Servicemember
02/03/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33054
Web
02/03/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98467
Referral Servicemember
01/30/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33064
Web
01/27/2017 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • ND
  • 58301
Web
01/23/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MN
  • 56001
Web
01/21/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • CA
  • 92308
Web
01/18/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60415
Web
01/17/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01915
Web
01/15/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 49093
Web
01/15/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46241
Web
01/07/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 30349
Web
01/05/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22747
Web
12/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 27214
Phone Servicemember
12/28/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 61111
Web
12/28/2016 Yes
  • Payday loan
  • Can't contact lender
  • WA
  • 98422
Web
12/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30906
Web Servicemember
12/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48361
Web Older American
12/21/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32726
Postal mail
12/20/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32506
Web
12/19/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • CA
  • 95209
Web
12/14/2016 Yes
  • Payday loan
  • Can't contact lender
  • WA
  • 98422
Web
12/13/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • OK
  • 73401
Referral
12/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MI
  • 48076
Web
12/12/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23229
Web
12/12/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 70053
Web
12/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MI
  • 49601
Web
12/03/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FM
  • 33142
Web
11/30/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • IN
  • 47303
Web
11/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TN
  • 37129
Web Servicemember
11/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 92618
Web
11/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 310XX
Web
11/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01453
Web
11/17/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 30152
Web
11/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 32927
Web
11/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55404
Web
11/10/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32304
Web
11/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44313
Web
11/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30014
Web
11/08/2016 No
  • Payday loan
  • Can't contact lender
  • OH
  • 45140
Web
11/04/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98122
Web
10/30/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20882
Web
10/28/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 28590
Web
10/28/2016 Yes
  • Payday loan
  • Can't contact lender
  • FL
  • 33908
Web Older American
10/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45864
Web
10/25/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MA
  • 01844
Web
10/25/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MD
  • 20723
Web
10/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74871
Web Servicemember
10/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89434
Web
10/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • ME
  • 04097
Web
10/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SC
  • 29203
Web
10/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 70043
Web
10/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MN
  • 55433
Web Servicemember
10/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32714
Web
09/30/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60618
Web
09/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32703
Web
09/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77087
Web
09/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SD
  • 57703
Web
09/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • KY
  • 42602
Fax
09/27/2016 No
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • MI
  • 49090
Phone Older American
09/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 61603
Web
09/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • IL
  • 60415
Web
09/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MN
  • 55433
Web Servicemember
09/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97124
Web
09/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OR
  • 97403
Referral
09/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33179
Web
09/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33073
Web
09/14/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 93274
Referral
09/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 67146
Web
09/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 34667
Web
09/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NV
  • 89148
Web
09/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89134
Web
09/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89134
Web
09/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MI
  • 48035
Web
09/09/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • FL
  • 33759
Web
09/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21213
Web Older American
09/01/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • LA
  • 71303
Web
08/25/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MN
  • 55107
Web
08/24/2016 Yes
  • Payday loan
  • Can't contact lender
  • MD
  • 20748
Web
08/19/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 27893
Web
08/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55076
Web
08/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 56537
Web Older American
08/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 61376
Web
08/12/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22312
Web
08/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48214
Web Older American
08/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OR
  • 97070
Web Older American, Servicemember
08/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90241
Web
08/04/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 91977
Web
08/01/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • FL
  • 33305
Web Older American, Servicemember
07/26/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45103
Phone
07/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 22204
Referral
07/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85375
Web
07/14/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 56303
Web
07/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 02703
Web
07/11/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • NC
  • 27106
Web
07/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85305
Phone
07/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NC
  • 28312
Web
07/08/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • LA
  • 71203
Phone Older American, Servicemember
07/08/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MD
  • 21221
Web
07/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97225
Web
07/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97401
Web Older American, Servicemember
07/03/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • IN
  • 46069
Web
06/29/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33054
Web
06/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21502
Web
06/23/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85340
Referral
06/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • DE
  • 60504
Web Servicemember
06/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98391
Web
06/20/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NV
  • 89502
Web
06/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32771
Web
06/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 32810
Referral
06/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20877
Web
06/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32771
Web
06/03/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 31217
Phone Older American
06/02/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IN
  • 47714
Web
05/28/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 31792
Web
05/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44107
Web
05/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CO
  • 80537
Web
05/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 76273
Web
05/25/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • LA
  • 71115
Web
05/25/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70775
Phone
05/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21040
Phone
05/16/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • GA
  • 31525
Referral
05/14/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 92354
Web
05/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ND
  • 58104
Web
05/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 31525
Referral
05/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • PA
  • 15204
Web
05/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 31525
Web Older American
05/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30294
Referral
05/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 95121
Web
05/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44011
Web
04/29/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 95762
Web
04/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32233
Web
04/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 96001
Web Older American
04/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KY
  • 40517
Web
04/18/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MI
  • 485XX
Web
04/18/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IA
  • 50703
Postal mail
04/16/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NH
  • 03839
Web
04/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • OK
  • 73128
Web
04/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NC
  • 27377
Web Servicemember
04/11/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NE
  • 68504
Web
04/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98604
Web
04/07/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • SC
  • 29036
Web
04/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32303
Web
04/06/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30047
Web
04/06/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 95687
Web
04/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23236
Web Older American, Servicemember
03/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20852
Web
03/28/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48026
Web
03/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98375
Web Servicemember
03/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 21817
Phone
03/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92123
Web Servicemember
03/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33510
Web
03/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92116
Web
03/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NE
  • 68127
Web Older American
03/11/2016 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OK
  • 74133
Web
03/10/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MI
  • 48103
Web
03/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MN
  • 55044
Postal mail
02/26/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08833
Referral
02/12/2016 No
  • Payday loan
  • Charged bank acct wrong day or amt
  • LA
  • 70001
Referral Older American, Servicemember
02/11/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98405
Web
01/26/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AK
  • 99515
Referral
01/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48188
Web
01/04/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27023
Phone Older American
01/03/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • WA
  • 98087
Web
12/31/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60089
Web
12/22/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21030
Referral
12/18/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • LA
  • 71018
Phone
12/14/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • MN
  • 55313
Web Servicemember
12/12/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20712
Web Older American
12/04/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 43110
Phone Older American
12/02/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • LA
  • 71111
Web
12/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30281
Web
11/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98926
Phone Older American, Servicemember
11/23/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01757
Referral
11/20/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 34741
Referral
11/20/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 75094
Phone
11/12/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • AL
  • 36027
Fax
11/09/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73129
Referral
11/02/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 76543
Phone Servicemember
11/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98661
Web
10/31/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • DC
  • 20020
Web
10/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60156
Web
10/22/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • KS
  • 66441
Web
10/18/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • DC
  • 20020
Web
10/13/2015 Yes
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • MD
  • 21215
Phone
10/08/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IA
  • 50588
Web
10/08/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90028
Web
10/07/2015 Yes
  • Payday loan
  • Can't contact lender
  • NJ
  • 07446
Web
10/07/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33324
Web
10/01/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91007
Web
09/23/2015 No
  • Payday loan
  • Received a loan I didn't apply for
  • CA
  • 91386
Web
09/22/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • CA
  • 93277
Web
09/21/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • MS
  • 38804
Web
09/17/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KS
  • 67203
Web
09/11/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MN
  • 55408
Web
09/08/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • WA
  • 98058
Web
09/03/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23435
Web
08/31/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 91505
Postal mail
08/31/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23462
Web Servicemember
08/27/2015 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 21215
Referral
08/26/2015 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 93004
Phone Servicemember
08/21/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33063
Web Servicemember
08/18/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • WA
  • 98023
Referral
08/14/2015 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 33569
Web Servicemember
08/12/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30034
Web
08/12/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30519
Phone
08/04/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 38506
Referral Older American
07/19/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32583
Web
07/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 91784
Referral Older American
06/26/2015 Yes
  • Payday loan
  • Can't contact lender
  • AZ
  • 86001
Web
06/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98402
Web
06/24/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MD
  • 21702
Web
06/23/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • MN
  • 55406
Web
06/18/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • LA
  • 70101
Referral
06/18/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • NJ
  • 07446
Web
06/05/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MD
  • 21769
Web
06/03/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73170
Referral
06/02/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 71112
Postal mail Older American
05/28/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60450
Web
05/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73072
Web
05/07/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • DC
  • 20002
Web
05/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97203
Fax Older American
05/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30030
Web
04/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55421
Phone
04/28/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NE
  • 68134
Postal mail
04/21/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20747
Phone
04/08/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20746
Web Older American
03/31/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74075
Referral
03/27/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AK
  • 99518
Phone
03/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70433
Web
03/21/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 30002
Web
03/20/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CT
  • 06105
Phone
03/18/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33618
Web
03/17/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 90810
Web
03/14/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97801
Web
03/11/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KY
  • 42701
Phone
03/05/2015 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • FL
  • 33563
Postal mail
03/04/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NJ
  • 08844
Web
03/03/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21218
Phone
03/03/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • LA
  • 71303
Web
02/24/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55066
Web
02/23/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33029
Web
02/20/2015 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 70127
Phone
02/19/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73020
Referral
02/18/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 98683
Phone Older American, Servicemember
02/18/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 78728
Web
02/17/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 31313
Web Servicemember
02/17/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • AL
  • 35224
Web
02/16/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NV
  • 89119
Web
02/13/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 47949
Web
02/11/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • PA
  • 18232
Web
02/06/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44313
Web
02/04/2015 Yes
  • Payday loan
  • Can't contact lender
  • PR
  • 00692
Web
01/27/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30008
Web
01/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45601
Web Servicemember
01/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 91801
Web
01/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • 35215
Web
01/23/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • GA
  • 30223
Web Servicemember
01/20/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20601
Web
01/16/2015 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 28792
Web Older American
01/15/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 95112
Web
01/14/2015 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 91607
Web
01/13/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 01720
Web
12/27/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 70127
Web
12/17/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • LA
  • 71107
Web
12/10/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NJ
  • 08021
Referral
12/07/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20747
Web Servicemember
12/06/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OH
  • 44278
Web
12/04/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 02382
Web
12/03/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • LA
  • 70726
Web Servicemember
11/30/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90278
Web
11/21/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • AL
  • 36801
Web
11/14/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • SC
  • 29223
Web Servicemember
11/11/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called outside of 8am-9pm
  • OH
  • 45146
Web
11/10/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CO
  • 80012
Web
11/06/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77063
Web Older American
11/05/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48239
Web
10/31/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23227
Web
10/28/2014 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08809
Referral
10/17/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • IL
  • 60640
Web Servicemember
10/14/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • FL
  • 33428
Phone
10/02/2014 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • LA
  • 70726
Web
10/02/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • LA
  • 70117
Referral
09/29/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95912
Web
09/24/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • PA
  • 18640
Web
09/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MD
  • 21244
Fax Older American
09/15/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74884
Web Servicemember
09/11/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 75229
Web
09/05/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • VA
  • 23075
Web Older American
09/04/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • AL
  • 35022
Web
08/29/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • GA
  • 30907
Web Older American, Servicemember
08/27/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 75042
Web
08/25/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 90016
Phone
08/25/2014 Yes
  • Payday loan
  • Payment to acct not credited
  • MN
  • 55425
Web
08/20/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94608
Referral
08/07/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • PA
  • 18407
Web
08/04/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • FL
  • 33028
Web
08/01/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 43054
Web
07/26/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74108
Web Servicemember
07/24/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22193
Web Servicemember
07/23/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TN
  • 37217
Web
07/21/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 94604
Postal mail
07/16/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 95356
Web
07/15/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MN
  • 55372
Web
07/14/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20874
Web
07/12/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20603
Web Servicemember
07/07/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 19114
Web
07/06/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33618
Web Older American
07/02/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • IL
  • 60954
Phone
07/02/2014 Yes
  • Payday loan
  • Can't contact lender
  • IL
  • 60459
Phone
06/30/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 19150
Web Servicemember
06/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 18436
Phone
06/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 18436
Phone
06/27/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33411
Web
06/26/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MD
  • 20706
Web
06/25/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 76051
Web
06/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32818
Web
06/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • FL
  • 32818
Web
06/12/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 08012
Referral
06/10/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21061
Web
06/05/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22309
Phone
06/05/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • VA
  • 22309
Web
06/02/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36604
Web
05/31/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 49841
Web
05/29/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • KY
  • 42420
Web Servicemember
05/27/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • NV
  • 89120
Web
05/16/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • IL
  • 60620
Web
05/13/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32765
Web
05/12/2014 Yes
  • Payday loan
  • Payment to acct not credited
  • PA
  • 17074
Web
05/08/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60411
Web
05/07/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • VA
  • 23086
Phone