| 03/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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Dear Sir/Madam, My name is XXXX XXXX XXXX.
On or around XX/XX/XXXX - I experienced a financial emergency deficit. I needed to find {$400.00} ASAP to pay for an unexpected household expense.
Please note that I am a hard-working USA and State of Florida Citizen.
I work XXXX in XXXX as I hold a degree as a XXXX XXXX XXXX, here in the state of Florida.
I am also a financially struggling single mother ; fully supporting myself, ( XXXX ) teenagers and ( XXXX ) XXXX college student.
I was granted a loan with Spotloan on the website : spotloan.com for {$400.00} on or around the date of XX/XX/XXXX.
I unknowingly agreed to Spotloan 's unscrupulous and predatory lending practices. I have later learned that I agreed by signing their aggreement for the loan ; that their fees and interest of 490 % were all supposedly outlined therinwithin the fine-print of theSpotloan loan-agreement.
I would have never knowingly agreed to such predatory lending terms supposedly listed supposedly listed within the terms tof their agreement. Such that would subject me to such outlandish and outright criminal lending practices as you will be intrioduced to below.
I believe Spotloan to be in violation of the Florida and Federal predatory loan practices.
I know that these laws were established to protect hard-working, even single-mothers such as myself. Along with many other hard-working American/Florida Citizens, who may fall on financial hardships and need temporary relief.
I have been and continue to be charged exorbitant fees and interest charges by Spotloan.
I will never be able to pay off this Spotloan with their current rate and fees - for repayment of my {$400.00} loan.
I am continously being charged with outlandish fees and an insane rate of interest charges - by Spotloan.
The additional, exorbitant amounts of unethical charges are believed to be illegal fees. All of which are accompanied by an unrealistic interest rate of interest on my Spotloan of 490 %.
I have paid a total of {$670.00} that has automatically been withdrawn out of my personal XXXX XXXX Checking Account.
The multiple withdrawals by Spotloan have been ongoing for over a several of months now - against my permission.
I have requested that Spotloan stop charging my XXXX XXXX Checking Account - and to stop charging me the interest rate of 490 % and all of their miscellaneous fees.
I had the most recent phone conversation with Spotloan ; that took place on XX/XX/XXXX - after becoming aware that I owe Spotloan a balance of over twice the original amount borrowed. Which is now a balance of over {$800.00} on my original loan of {$400.00}.
The Spotloan representative acknowledged that I have made a total of {$670.00} in payments. This loan was originated for the amount of {$400.00} -back around XX/XX/XXXX. All of my payments that I have paid Spotloan thus far - have accumulated to the amount of a total paid to Spotloan = {$670.00}.
None of the {$670.00} that I have paid to Spotloan has paid down ANY of my original loan principal of original amount of {$400.00}. All of the {$670.00} that I have paid to Spotloan to-date, has been applied to fees and interest charges to Spotloan. Spotloan states that I still owe them over {$800.00}, according to their added fees and interest charges. None of my payments have been applied to my original principal loan of {$400.00}!
Obviously, all of my payments that I made in good-faith to Spotloan were failed attempts to repay my original loan to Spotloan for {$400.00}.
I have most recently spoken with XXXX - a phone representative at Spotloan to attempt to close my account with Spotloan. I also requested that Spotloan stop debiting my XXXX XXXX Checking Account - any further charges.
I had a conversation that took place on XX/XX/XXXX after being made aware that the amount still owed on my Spotloan was over {$800.00} ; after making a total of {$670.00} in payments in attempts to repay my original loan for {$400.00}.
I informed XXXX at Spotloan that I know that this company - Spotloan is guilty of predatory loan abuse. I also told XXXX that his company was most likely guilty of issuing and collecting illegal Florida Predatory Loans.
I would hope that the predatory lending laws designed to protect folks like me against this type of unscrupulous lending ; will help determine whether justice would be served in my case with Spotloan.
I personally am convinced that Spotloan is guilty of many different crimes that may fall under the laws governing usury crimes. I request that Spotloan be intensely investigated and scrutinized under all of the FTC 's - Federal Lending Laws.
XXXX only could tell me that all he could do was to escalate my call to his Supervisor. He informed me that he would have someone call me back the next business day - as the Supervisor was gone for the day - XX/XX/XXXX.
I would like to formally utilize this instrument ; as my filing an official complaint here with Consumer Finance - to hopefully rid myself of such extrapolating debt.
I also wish to warn and help others from becoming victimized by such predatory lenders, with such exorbitant and extra high-interest rates of 490 %.
Ultimately, I would like to have my loan with Spotloan XXXX out completely.
I would demand that I have nothing negative entered into any credit bureaus.
I would also further demand that no additional money/payments be deducted automatically from my XXXX XXXX Account.
Concluding demand is that no further collection actions be brought against me by Spotloan, please.
I am requesting your Consumer Finance Department to assist me with my request - as related specifically to the predatory loan that I obtained unknowingly, that was issued by Spotloan and paid back to Spotloan - {$400.00} PIF with an additional {$270.00} in fees and interest.
Spotoan claims that my current balance on this date of XX/XX/XXXX is over {$800.00} - which is twice the amount I originally borrowed from Spotloan. Again, not including the fees and interest that I have already paid of {$270.00}.
Please advise me of my legal rights due to these predatory loan practices here in Florida.
Guilty Predatory Loan Issuer is Spotloan.com https : //www.Spotloan.com Spotloan Phone # XXXX Spotloan Collection Department XXXX XXXX Spotloan Relationship Manager - XXXX Petitioner personal and confidential contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
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| 10/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/XXXX I took out an online loan with Spotloan due to an emergency situation. I borrowed {$500.00} that was directly deposited into my account. The interest rate on the loan is 490 % and the payment schedule is {$91.00} every 2 weeks beginning XX/XX/XXXX. The total amount that is to be paid back is {$1900.00}. Allegedly, Spotloan is owned by BlueChip Financial, a tribally-owned entity organized under and governed by the laws of the XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX of XXXX XXXX, a federally recognized XXXX XXXX and is located on and operates within the XXXX XXXX XXXX. This means that the laws of the state of Iowa do not apply to them because they are XXXX XXXX XXXX However, it seems that XXXX and XXXX XXXX provided the capital, marketing, underwriting, and other resources for BlueChip Financial dba Spotloan. XXXX and XXXX XXXX are non-tribal entities. The affiliation of XXXX and XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX is a rent a tribe scheme to avoid state usury laws and to be able to make usurious loans to consumers. The most recent class-action lawsuit filed against XXXX XXXX XXXX, BlueChip Financial dba Spotloan, and XXXX XXXX has been settled for {$18.00} XXXX and is going to dissolve {$170.00} XXXX in consumer debt. The defendants say they did nothing wrong but wanted to settle the lawsuit. This tells me that they are not doing business legally and they know they would lose in court. This is not the only lawsuit that has been filed against Spotloan, either. There is also evidence that in XXXX Connecticut requested XXXX to cease and desist from lending in Connecticut. XXXX stated they would no longer make loans, however, they continued. Another order was issued to cease and desist lending in Connecticut and pay restitution for the illegal interest and pay a civil penalty, however, no restitution has been made. Illinois has also ordered XXXX to cease and desist lending in Illinois, however, in the most recent lawsuit, there is a plaintiff that is a resident of Illinois that obtained a loan with Spotloan in XXXX. Therefore, they again did not listen to the orders of the state. BlueChip Financial dba Spotloan is a predatory lender that has no regard for orders made by states, let alone the destruction that the illegal, high-interest loans have on consumers that are turning to them for help. They are preying on consumers that are financially unstable and are only adding to that instability. It is extremely hard to get back on your feet without a high-interest loan over your head and nearly impossible with one. I am speaking from personal experience. Since I borrowed money, I will pay the amount I borrowed ( principal ) back. However, having to pay 490 % interest which comes to over {$1400.00} in interest on a {$500.00} loan is ridiculous. This online loan that was supposed to be helping me has caused XXXX XXXX and XXXX because the payments are so high for so long. I refuse to be homeless, starved, without basic needs being met so a predatory lender can receive 490 % interest on a {$500.00} loan. Yes, I did sign the documents, however, when you are in an emergency situation, you are going to do things you would not do under normal circumstances. Obtaining a loan from BlueChip Financial dba Spotloan is something I would never do under normal circumstances and will never do again. It has been one of the worst decisions I have made. The second being the other loan I had to obtain because of another emergency situation. I live paycheck to paycheck and unfortunately, my sources of help are strapped as well because of COVID, so I had no other option at the time. I will be reporting that company, as well. These companies need to be shut down because they are using tribal sovereign immunity as a shield to take the little bit of money most people have and line their already gold-lined pockets. Americans work hard for their money and do not deserve to be taken advantage of by lenders like BlueChip Financial dba Spotloan, especially during a pandemic where so many Americans have already lost so much. Predatory lending is never okay, but even more so not now. I have contacted BlueChip Financial dba Spotloan directly, however, I have not been able to reach an agreement regarding my loan. As stated, I am not trying to get out of paying the amount I borrowed, but the 490 % interest is excessive. While I am grateful I was able to take care of the emergency situations, the XXXX and XXXX that have been created are almost unbearable. ANYTHING is better than doing an online loan with a " tribal '' lender. I hope consumers read this complaint before doing business with Spotloan and save themselves the anxiety and stress that I am enduring. I hope the state of Iowa steps in to disband predatory lending for the sake of their residents. This unfair lending has to stop!
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| 02/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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XXXXatory Lending Practices and Unexpected Hidden Interest Rates. I originated a loan with XXXX XXXX in XX/XX/XXXX in the amount of {$800.00}. After recently calling to get a pay off balance, in complete shock, I find out as of today XX/XX/XXXX, that I still owe {$1700.00}. I have paid well above the PRINCIPLE amount owed, in upwards to date of at least {$2000.00} on this loan and although I have made bi-weekly payments every payday since the loan was originated in XX/XX/XXXX, I still owe over THREE times the amount of what the origination of the loan was. I realized that I had not been informed in the initiation of the loan on the phone by the rep of the 460 % interest rate on the loan. An interest charge of {$2200.00} nor a TOTAL payment amount of {$3000.00} for an {$800.00} loan. I was however, originally informed that there was a reasonable finance charge to equal biweekly payments of {$140.00}, without mention of {$3000.00} 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 ( XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX & XXXX. r. XXXX XXXX ( XXXX ) and XXXX XXXX. Section XXXX 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, XXXX XXXX XXXX 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
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| 07/08/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Spotloan.com and XXXX and XXXX XXXX XXXX is attempting to collect the debt of {$1700.00} on fraudulent account # XXXX, this is not my account. I am demanding that XXXX and XXXX, XXXX/Spotloan.com immediately cease and desist any and all collection attempts, sue to this being fraud. Additionally, I am demanding that the fraudulent account be removed from any and all credit reporting agencies. In XXXX, I received a call from a representative of XXXX XXXX XXXX , XXXX XXXX The representative stated that she was calling about a collection account via Spotloan.com from XXXX. I instantly refuted her claim and told her I don't recall a loan with Spotloan.com and I believe this is fraud. Also, I asked why it took 5 years to be contacted about the loan. I told her that I am a victim of identity theft fraud due to a number of breaches, such as XXXX, XXXX, and XXXX, etc. I have already had an fraudulent account be opened up with another company that to be removed months before. I believe both fraudulent accounts were able to be opened because of the information taken during the breach occurences. I beginbto ask about the information provided on the fraudulent application and I asked her to send me a copy. She advised me that the application showed my name, addess, phone, personal information, and martial status. The information provided was either outdated or completely incorrect. For example, she provided an address that I never lived at and said it show married, however I've been divorced since XXXX and would of never included my ex-husband 's information. I reiterated that I believe this is a fraudulent issue account opened in my name due to the identity theft. Again, I reiterated that I'd like a copy of the application. Additionally, I asked what bank account did the monies go unto because it wouldn't be mine, I didn't request this loan. The representative couldn't answer my question and continued to bring up the debt. Since the initial phone call, I have received multiple calls and letters demanding I pay the fraudulent loan. However, never received the copy of the application or any other information requested. I continue to receive phone calls at all hours of the day and letters. It is despicable to try to continue to collect on a knowingly fraudulent account. More over, the fees on the fraudulent loan are astronomical and unethical. According to XXXX and XXXX, XXXX the original loan amount was {$400.00}, however it is now {$1700.00} after charges and fees. They continue to add erroneous excessive charges and fees on the knowingly fraudulent loan is most rapacious.
This unethical action of Spotloan.com is not an isolated incident. According to Topclassactions.com and other sources, Spotloan.com is currently settled a class action lawsuit for fraudulent loans. In the lawsuit, Spotloan.com was " charging fraudulently higher interest rates then the law allowed, '' and was " lending when the company didn't have a lending license. '' Additionally, the loans during XXXX - XXXX were " illegal, '' " deceptive, '' and " violated state and federal laws. '' Therefore, Spotloan.com, XXXX and XXXX, XXXX has no merit or credibility, and engaged in the further fraudulent perpetuating by adding erroneous charges on a know fraudulent loan. This loan and company is fraudulent.
To reiterate, I am demanding that Spotloan.com and XXXX and XXXX XXXX XXXX cease and desist all collection attempts reharding the account in question, and remove all reporting of fraudulent loan off my credit report immediately.
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| 10/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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I attempted to resolve this in XX/XX/2017 and am now hearing from another collection agency trying to collect what I don't owe to XXXX. See below : XXXX XXXX Unsubscribe XXXX XXXX ( 1 hour ago ) to me XXXX, I want to help you resolve this.
This is an important message for XXXX. If you are not this person, please disregard and delete it.
Email not displaying correctly?
Skip to our message.
I want to help with your outstanding XXXX balance.
Your balance of {$1300.00} with XXXX was sent to collections. ( This may have happened a while ago. ) The debt is now owned by XXXX XXXX XXXX and we're collecting on their behalf.
I know this may be a bit confusing, but that's okay! You can reply to this email with questions or concerns, or you can visit our website to view your options.
Resolve this Account Number : XXXX Click your account number to activate your account. XXXX XXXXXXXXXXXX account will make it easy to manage this balance.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Copyright XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Office Hours : XXXX XXXX - XXXX XXXX PT Monday - Friday XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX DBA XXXX XXXX XXXX account number is : XXXX XXXX Unsubscribe XXXX XXXX ( 1 hour ago ) to me XXXX, I want to help you resolve this.
This is an important message for XXXX XXXX. If you are not this person, please disregard and delete it.
Email not displaying correctly?
Skip to our message.
I want to help with your outstanding XXXX balance.
Your balance of {$1300.00} with XXXX was sent to collections. ( This may have happened a while ago. ) The debt is now owned by XXXX XXXX XXXX and we're collecting on their behalf.
I know this may be a bit confusing, but that's okay! You can reply to this email with questions or concerns, or you can visit our website to view your options.
Resolve this Account Number : XXXX Click your account number to activate your account. XXXX XXXX account will make it easy to manage this balance.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Copyright XXXX TXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Office Hours : XXXX XXXX - XXXX XXXX PT Monday - Friday XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX DBA XXXX XXXX XXXX account number is : XXXX Back in XX/XX/XXXX, this is the last response I received : XXXX XXXX Attachments Tue, XX/XX/XXXX, XXXXXXXX XXXX to me Dear XXXX, My name is XXXX XXXX and I am a Credit Service Manager here at XXXX. Thank you for your response. We would be happy to address any questions or concerns that you have.
I understand that you reside in California. As we previously explained, BlueChip Financial, an entity wholly owned by the XXXX XXXX XXXX of XXXX XXXX, has a valid lending license issued by the tribe. XXXX is located and operates on our XXXX in North Dakota and has no physical presence in California, nor does it employ any staff in California. All loans are made from our XXXX. You remain obligated to fulfill this loan agreement that you sought out and accepted.
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| 09/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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Back in XX/XX/XXXX, I took out a {XXXX} loan with XXXX XXXX, a payday loan I was pre-approved for through the mail ( with a high interest ). I took it out solely to pay for my XXXX for XXXX. Everything was legitimate with them, up until I could n't make the last few payments due to XXXX funds being immediately requested in order to get my XXXX 's. So XXXX charged me off after three months, and I assumed I 'd eventually get a letter IN THE MAIL about where my account was charged off to, and who I 'd pay.
Well, I got nothing in the physical mail. I ca n't be clear enough that I received nothing in the mail. Instead, my mom, my sister, and I ALL get a call from someone by the name of XXXX XXXX - stating ( in a threatening tone ) that he was scheduled to come to my home, my sister 's apartment, and place of employment with legal documents for me to sign on XX/XX/XXXX. So I called the number provided to me in the voicemail. The caller ID was " unknown '' but the number they gave me ( and my mom and sister ) was XXXX. I called, and someone immediately picks up. XXXX is apparently my " case manager. '' He comes off nice, but firm about the fact that they need the money up front ( {XXXX ), or they will be taking me to court and pursue litigation processes within the same day if I did n't pay. At the end of the day, I told him that I refuse to pay that amount, or even the settlement offers they got approved until I got something PHYSICAL in the mail, stating that this is the company that XXXX XXXX has charged me of to. That was the right thing to request, correct? He sent me an email with this " letter, '' and it did n't even have MY physical address on it. It states, " unknown. '' It came off extremely fishy to me - anyone can just send a letter in the email. Their website does n't even work!
XXXX
He said that he requested this letter to be physically sent to me, which takes up to 10 days in the regular mail. By then, he says that it will be " too late. '' to do anything about it. I 've never heard such a thing! And especially being from XXXX XXXX, Florida, my whole family and I were experiencing financial and property damage due to Hurricane Irma. I explained this to him, and he brushed it off. " Oh, I know. '' Very fishy to me.
My goal is to pay off this debt, even if it is {$XXXX}. But I want to make sure I 'm paying the RIGHT people, and I need assistance in do-able payments. I 'm only a XXXX worker at the moment, fresh out of XXXX, and a recent hurricane storm experiencer, so money is extremely tight - and my XXXX is sky high. Please assist me, and tell me who I 'm supposed to pay, how much, and when. And I want to know if this person that keeps threatening me is actually legally allowed to go to my place of work. Because I work in a place with XXXX XXXX, I do n't need anyone with that kind of tone near them. And I also want to know if XXXX XXXX XXXX XXXX is a legitimate debt collector. I ca n't find any reviews on them online, expect a taken down site and plenty of " scam '' warnings. I may have taken out a loan that I should n't have, but I 've learned now to look for warnings signs with debt collectors that are actually scams.
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| 08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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This company has been engaging in predatory lending at rates well above my states ( CA. ) high interest rate legality. Below is an email that got sent to me outlining the terms of a {$300.00} loan that I had been approved for and funded. It reads : Expect your loan deposit soon, read below for more details Hi XXXX, A copy of your executed loan agreement is attached. Were sending {$300.00} to your bank account.
If you accepted your loan terms on a Monday through Friday, before XXXX XXXX CT, Spotloan will transfer the money to your bank by no later than XXXX XXXX. on the same day.
If you accepted your loan terms on a Monday through Thursday between XXXXXXXX XXXX CT and XXXX XXXX CT, Spotloan will transfer your funds to your bank overnight.
If you accepted your loan terms on a Friday after XXXXXXXX XXXX CT through anytime on Sunday, Spotloan will transfer your money over the weekend and it will be waiting at your bank on Monday morning.
Keep in mind that your bank may not process or release the funds immediately, even after we have sent them your way. Be sure to check with your bank for specifics.
Your Payment Schedule XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$53.00} Making Changes to Your Payments If you will have trouble making one of these payments, be sure to contact me at least 2 business days before your due date and we can work something out. Keep in mind that interest accrues on a daily basis and missing or deferring a payment will increase the total loan cost and will change your payment schedule.
Online Access You now have instant access to your Spotloan account at spotloan.com/account/sign-in. You can view your loan status and check in on your next payment online.
Lastly, please see a copy of our Privacy Notice at spotloan.com/privacy-policy.
If you have any questions, let me know. Thanks for your business, and we look forward to working with you over the next few months.
Sincerely, The Spotloan Team XXXX XXXX spotloan.com # Please type your reply above this line # Hello, Your email ( request # XXXX ) has been received, and is being reviewed by our support staff. Please give us time to respond. Due to the recent Coronavirus ( COVID-19 ) outbreak, we have an overwhelming volume of emails. Thank you for your patience.
If this is an urgent request, or time sensitive regarding your upcoming payment, call us as soon as you can for immediate response. Please remember, any delay on an upcoming payment could cause further setback or cost.
To add additional comments, reply to this email.
Sincerely, The Spotloan Team ( XXXX ) XXXX This email is a service from Spotloan Help Desk. Delivered by XXXX.
[ XXXX ]
|
| 05/13/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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|
Web |
Servicemember |
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I first received a type of advertisement from SpotLoan.com stating I was pre-approved for an {$800.00} loan, via the Postal Service, then received another one a few days later. I contacted SpotLoan online and began the process of filling out the application. I was then contacted by telephone by XXXX/Relationship Manager. She explained the process and asked how much of a loan I needed and I chose {$500.00}. I was then told the APR could reach as high as 390 %. The online application for a {$500.00} loan states the payment would be {$83.00} and that is what I believed it was to be. I went ahead with the loan and received their contract via email requesting an Electronic Signature which I initialed XXXX. I did so without reading through the email. I was told via telephone contact with XXXX/Relationship Manager that I would receive a Direct Deposit within 48 hours. She then asked about how I would like to make the payments, either by mail ( Check ) or by ACH, I said by mail preferably. That was the end of our conversation. I then began to read the contract and found that my payments were to be {$150.00} and further reading I found that when I initialed for my Electronic Signature it also stated my agreement to have payments made via ACH. I then called SpotLoan only to find out the XXXX/Relationship Manager was not there, I said that I was just speaking to her not more than 10 minutes ago and was told again she was n't there and he asked if he could help. I then explained about my agreement to make payments by mail yet the payments are now set up as ACH. The call taker then told me the computer will have all the information listed the following day and that I could call back then to get the payment issue straightened out. It was XXXX XXXX XXXX, 2015 when this loan processing took place and the re-contact by telephone. The call taker stated that SpotLoan would be open tomorrow, XXXX XXXX XXXX, 2015 and that I should call back then and speak to XXXX since she was the one that drew up the loan agreement. I waited until XXXX XXXX XXXX, 2015 and called SpotLoan only to find out XXXX was not in the office that day and it was suggested I call back XXXX XXXX XXXX, 2015. The loan had already processed and the {$500.00} loan was deposited to my account XXXX XXXX XXXX, 2015, at that point I really did n't know what to do. I also found that I my APR on this loan was 390 % and that the payments nearly doubled from what was listed online as {$83.00} to {$150.00}. I contacted numerous agencies here in Oregon and did n't get any helpful information until today when I received a call from the State of Oregon only to tell me, since SpotLoan is operated from a XXXX XXXX and since it is Sovereign, Oregon Loan Laws do not apply and that I should contact the FTC to file a complaint. Which I attempted earlier and the FTC suggested I file a complaint through the CFPB which I have just done.
I thank you in advance for your thoughtful consideration regarding the most important matter.
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| 04/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On or around XXXX of XXXX, I began receiving calls from someone claiming to be a process server representing Spotloan. The individual stated I had taken out a loan with Spotloan, the loan was in default, and I would be served papers outlining a court action against me. I first advised I hadn't taken any loans out with this company ( nor any other ). Further, the process server refused to provide any information I requested including the type of debt, the alleged amount, dates, etc. Following this troubling call, I contacted the alleged originator, Spotloan and spoke with XXXX XXXX, Credit Service Manager ( XXXX XXXX ). I explained I had not taken out any online loans let alone one with Spotloan. I advised they identify the bank the funds were direct deposited to. XXXX put me on hold while she dug further. When she returned, she advised that the individual who received the funds was, in fact, not me but rather a person named XXXX. She stated she'd mail a letter to me ( see attached fraud inv. attachment ) confirming the loan was not taken out by me and that I was, in fact, a victim of identity theft. Further, XXXX indicated the matter was closed and I would no longer be contacted by Spotloan or any of its affiliates. What's more, I was told this alleged debt would not be sold.
In XXXX of XXXX, I received a letter from a company called XXXX XXXX XXXX, XXXX, instructing me to contact XXXX XXXX XXXX XXXX XXXX Vice President of Client Services ( XXXX ) to resolve. I made contact Mr. XXXX and advised this loan was not taken out by me. I reached back out to Spotloan and spoke to XXXX S. ( XXXX ) who contacted the debt purchaser ( XXXX XXXXXXXX XXXX ). They confirmed that my account had been closed ( see debt_solutions attachment ). Even though I was promised that this fraudulent activity would not be reported to the agencies, this alleged default was indeed reported not once by XXXX XXXX XXXX, but three times. Even though this was a debt I contested, I received a letter from BlueChip Financial ( dba Spotloan ) stating the debt, ( of which I never incurred ) was forgiven due to a class action settlement in Turner vs, ZestFinance, Inc. ( cs. no. 3:19-cv-293 ). Receipt of this letter further upset me as it suggests the debt was valid yet forgiven. Spotloan sent two 1099-C forms ( attached ) : the original reflecting an actual amount I was never responsible for to begin with and a corrected form reflecting {$0.00} of debt discharged.
Today, XX/XX/XXXX, I received an offer to settle the debt from a company identified as XXXX XXXX XXXX ( see halsted attachment ). I reached out to this company to inform them that this, as explained to the other collectors, was fraudulent and requested they send a letter reversing this action as it was proven through an investigation by Spotloan to be just that, fraudulent. Knowing the behavior of these organizations, I'm now reaching out to you to address this most egregious action by multiple collectors.
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| 07/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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|
Web |
Older American |
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On XX/XX/XXXX I borrowed {$800.00}. To date, through XX/XX/XXXX, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement onXX/XX/XXXX. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more by XX/XX/XXXX. The following statement in response to a previous complaint is completely false. " You agreed to settle your loan for {$370.00} on XX/XX/XXXX. You missed your first settlement payment due on XX/XX/XXXX. " They did offer a settlement of {$500.00} on XX/XX/XXXX. I countered with an offer of {$200.00} in 2 payments which they refused. They contacted me again via phone on XX/XX/XXXX. They then offered a settlement of {$370.00}. I countered with {$270.00} which they refused. I was basically coerced in accepting a settlement of {$370.00} paid in 2 installments.
In the meantime, I had done extensive research and consulted an attorney. I have also filed a complaint with the Ohio Attorney General. My findings : Payday/short-term lenders must be licensed by the state of Ohio in order to offer loans to its residents. ( See attachment of ORC 1321 ). Since this company has no license in my state, the loan contract is not valid. As stated, I have consulted an attorney regarding this and have been advised not to make any more payments on this loan.
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received a deposit of {$800.00} on XX/XX/XXXX. To date, I have made payments equaling {$1600.00}. This actually results in an overpayment of {$830.00}. XXXX. I wo n't even include the overages I paid on previous loans.
I am not a member of the XXXX XXXX XXXX XXXX XXXX nor did I obtain this loan on tribal land. The mailing address is in Illinois. ( Spotloan is not licensed in Illinois and not authorized to loan to Illinois consumer per cease and desist order of XX/XX/XXXX from the Illinois Department of Financial and Professional Regulation. See attached. ) Why if the tribe is in North Dakota is there is a mailing address in Illinois?
I suspect this is a case of " rent-a-tribe '', a tribe being used by an outside lender in an attempt to get around state laws. The FTC argues that tribal jurisdiction does not apply. The loans are off-reservation activity because they were taken out by people who are not on the reservation. ( From an article in XXXX XXXX dated XX/XX/XXXX ). I can supply many, many articles regarding this and the lawsuits and court decisions concerning these issues.
I have revoked authorization for ACH withdrawals and you have responded with an email stating that I have declined automatic withdrawals from my bank account. A copy of this has been given to my bank. ( See attached ).
|
| 11/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Over the past 4 years I have been lost 3 jobs due to role elimination. Given my job losses my credit became damaged and I was forced to seek a loan from a high interest rate organization ( Spotloan ). My unemployment this time around has lasted longer than anticipated ( 11 months ) and I have been unable to pay back my outstanding debt with Spotloan.
Today I received a call from a Debt Collection Agency claiming to now own my outstanding debt with Spotloan. The individual claimed to be from a collection agency name " XXXX XXXX XXXX '' the call came in from XXXX XXXX XXXX XXXX. I spoke with a gentleman named XXXX XXXX and he gave me a call back number of XXXX XXXX XXXX XXXX Ext. XXXX.
I knew that I had an outstanding debt with SpotLoan so I agreed to set up automatic debts to begin paying down the debt. XXXX XXXX was very unprofessional during our first conversation but I accepted the fact that I owed the debt and I just should make arrangements to pay off the balance. XXXX XXXX stated that they only did payments by debit card so I provided him with the necessary information.
After hanging up with XXXX XXXX I checked my records and determined that the balance he quoted did not align ... I telephoned the company back.. The gentleman who answered the phone did not identify himself as being with XXXX XXXX XXXX he just said " Hello '' when I questioned him about the company he became very rude so I hung up. I than called back and asked to speak with XXXX XXXX directly. I was transferred to XXXX XXXX. I asked him again to provide me with my balance. He hesitated, became very irate and claimed my balance was {$800.00}. Well {$600.00} was the amount of the original loan but I had in fact made payments toward the balance.
I called Spotloan directly to confirm my balance and they stated their records indicated the balance was {$510.00}. Their records also indicated that the loan was " pending '' sell but they could not tell me at that time who the loan had been sold to. Spotloan requested that I call back next week and they could tell me who the loan had been sold to.
I called back to XXXX XXXX XXXX, to request a breakdown of how they arrived at the {$800.00} ... Again XXXX XXXX became irate and stated that if I did not want to uphold the arranged {$50.00} bi-weekly payments he would just sue me ... He continued to complain that the " little {$50.00} payments meant nothing to them ''.
My concern is if this company " XXXX XXXX XXXX '' is a legitimate organization and how can they refuse to give me a breakdown of my balance. The original creditor ( Spotloan ) stated today that my balance was {$510.00}.
How can I get alignment on my balance and confirm the legitimacy of XXXX XXXX XXXX. I plan to cancel my debit card thus blocking their ability to receive any payments until I can confirm the identity of this debt collector.
Seeking guidance on this confirmation.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/08/2016 |
Yes |
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- Charged bank acct wrong day or amt
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|
Web |
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On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever.
|
| 01/29/2016 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Impersonated an attorney or official
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|
Web |
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I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But XXXX capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
|
| 09/12/2016 |
Yes |
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- Charged fees or interest I didn't expect
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|
Web |
Older American |
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I sent the following email on XXXX : On XXXX/XXXX/XXXX I borrowed {$400.00}. To date, I have paid {$660.00} for this loan. I recently had XXXX the XXXX and was off work for 2 weeks with no income. Since coming back to work from XXXX, I 've been experiencing less hours and thus less pay. It is becoming a real hardship for me to have $ XXXX taken out every pay. I 've already paid back the {$400.00} and then some.
Since XXXX XXXX, I have borrowed approximately {$1200.00} and paid back approximately {$1800.00}, not including this current loan. This included sending in money orders. I have been a good customer and never defaulted.
I asked if they would consider marking this load paid in full. Their response on XXXX : Unfortunately, you do not qualify for a settlement at this time.
Your current Spotloan payment schedule is at our maximum duration. We are unable to lower your regular payments any further by extending your payment schedule.
For either a half payment on each payment due date or a single payment per month, we can offer the following choice : Turning off your automatic drafts and mailing in whichever option you prefer in the form of a check or money order. That way you will not have to call in two business days before every payment to set up your arrangement. Please let us know if this works at least two business days in advance of your XXXX XXXX payment of {$73.00}.
I stopped automatic drafts from my account and was planning to send {$40.00} every payday. Their response : Thanks for contacting me. I 've updated your account records to show that you have declined automatic payments from your bank account.
You can also mail checks and money orders to : Spotloan XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX As a friendly reminder, your next payment of {$73.00} is due on Wednesday, XXXX XXXX.
When making smaller payments than what is scheduled, as a friendly reminder does accrue additional interest meaning you will extend out the life of the loan to a further duration.
I still was not able to make a payment on XXXX XXXX, even {$40.00} without severely compromising my financial situation. Now the loan balance is {$450.00}.
I do n't even think this loan is legal in my state of Ohio.
They advertise that you pay down the principal with every payment. They advertise on their website : When you use a Spotloan instead of a typical online payday loan, you can save as much as 50 %. There 's no nickel-and-diming with fees, no balloon payments, and no surprises. I have n't found this to be the case, even making my payments as scheduled. They never give you an itemized statement of payments and how payments were applied.
I also found it strange that there are 2 addresses for this company, one in Illinois and one in North Dakota.
|
| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
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On approximately XX/XX/2022 I applied for a {$500.00} loan from Spotloan.com and was approved. Spotloan sent me an email confirmation for my loan along with my proposed payment schedule which consisted of 20 payments for {$95.00} and 1 final payment of {$94.00}. My first payment was scheduled to be billed on XX/XX/2022 and I had the payment set up to come out of my checking account.
On XX/XX/2022 I called Spotloan to find out my early payoff balance. The customer service agent I spoke to told me that if I pay off the entire balance in full on this day the total amount owed would be {$530.00}. The customer service agent asked me if I want to go ahead and proceed with paying off the loan today. I told him yes and he said that due to the holiday weekend that the payment would not come out of my checking account until XX/XX/2022. I asked the agent if I would have to pay any additional interest, and he told me no the final amount would be {$530.00}. So, after the agent reassured me I would not be charged any extra interest I authorized him to bill my checking account for {$530.00}.
On XX/XX/2022 I noticed a charge on my checking account for the amount of {$95.00} so I called my Credit Union to find what the charge was for and my Credit Union told me the charge was from Spotloan.com. Spotloan was closed on XX/XX/2022 because it was a Saturday so I waited until XX/XX/2022 to call them because XX/XX/2022 was XXXX XXXX so I knew they would not be operating for business.
On XX/XX/2022 I called Spotloan and spoke to one of their customer service agents. I asked the agent why I was charged {$95.00} extra when I payed off my loan in full on XX/XX/2022. The agent told me that because all of the banks were closed on Monday they billed me for {$95.00} on XX/XX/2022 and because the charge was already pending it was irreversible. I explained to agent that this was unfair because I paid off the loan in full the day before and he told me that's just the way it is and there is nothing he can do about it.
So, I demanded to speak with a supervisor who told me that because the banks were closed on Monday their system automatically generates a payment request to the banks a day early because Saturday and Sunday are not business days. I told the supervisor that this does not make any sense because my payment wasn't scheduled to come out until XX/XX/2022. The fact that Spotloan billed me on XX/XX/2022 instead of XX/XX/2022 means they did not honor the terms of our contract.
The supervisor would not acquiesce my request for a refund and he gave me a confusing explanation as to why they had to bill me before my billing date. I ended the phone call not understanding the supervisor 's explanation, but knowing that I had just been scammed.
|
| 12/02/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named spot loan whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are.
Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called spot loan. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed.
During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due.
I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims.
He completely lied about everything that he said and caused me to have XXXX XXXX and XXXX and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida.
Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report.
This is out right fraudulent financial activities. Please investigate this company.
|
| 01/27/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company Spot on loans AKA XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXX. This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at Spotloan XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, Spotloan has received a copy of the complaint that you filed with the XXXX. At Spotloan, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, Spotloan sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with Spotloan after not receiving a payment from you in over 90 days. We never received a payment. Spotloan sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete Spotloan will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX
|
| 02/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I submitted a complaint on XX/XX/XXXX. I received no communication from the company until XXXX via email at XXXX XXXX. I provided a complete response at XXXX XXXX in which I received no reply via email. I then received a second email at XXXX that they had received my CFPB complaint and subsequently closed it without providing an adequate remedy. Additionally, this indicates that the company did not take this complaint investigation seriously and did not take the time to research the issue.
As I stated, in the original complaint, this account is fraudulent. Pursuant to the Fair Debt Collection Practices Act, 15USC 1692g. The company responded to this complaint via email and subsequently on this complaint. The representative stated, " Our records show that Spotloan made a loan in your name on XX/XX/XXXX, in the amount of {$800.00}. I have independently verified that certain application information matches your name but can not complete my report without your help. '' This is also a violation as per the FDCPA.
I have not received any validation of such information. I have requested to be provided with competent evidence that I have any legal obligation to this debt. I have not receive any. Spotloan also wrote : " Additionally, while you assert we have violated the FDCPA please know that Spotloan is not a debt collector under the FDCPA. Further, we have not owned your loan as of XX/XX/XXXX, we are not affiliated with the XXXX XXXX, and have not attempted to collect on your debt since it was sold to XXXX XXXX " This is another violation of my rights. This is an attempt to collect a debt and as such, Spotloan is liable for this violation under the FDCPA. This office has reported invalidated information to all 3 Major credit bureaus ( XXXX, XXXX, or XXXX XXXX for five years, which constitute additional fraud under both Federal and State Laws. Due to this fact, the negative marks found on my credit reports by Spotloan and the company that the alleged debt was sold to, is Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Further, the information that is being reported is also inaccurate per the companies response. Again, this is fraud and violation of the FDCPA. Pursuant to 15 USC 1692c. ( c ) I am demanded that Spotloan cease all forms of communication with me through any and all mediums. Subsequently, I
|
| 12/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan.
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day.
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email.
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails.
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.
|
| 05/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
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Spotloan refused to change the date that they debited my account even after I advised that they were creating overdrafts on my bank account. A XXXX XXXX left a message on my cell phone at XXXX advising that he intended to serve me with paperwork at my place of employment and/or at my residence by the end of business on Friday. XXXX XXXX also contacted the central office for my employer and left the exact same message. Once I had a break, I called the number that the call to my cell phone came from ( XXXX ) XXXX and was advised that they were a locating service and that I needed to call XXXX, the number that was given to my employer to get back in touch with XXXX XXXX. When I contacted the XXXX, I asked to speak to XXXX XXXX and was put on hold for several minutes and the same man that answered the phone told me that I had returned checks to Spotloan and began to become belligerent with me. When I tried to speak, he hung up the phone on me. I called back and he told me not to call him any more. I called back again and advised him that there was a witness to the phone conversation. He wanted the name of the witness but refused to give me his name or the name of his company. He then threatened to call my principal and tell them that my witness and I were calling him during the time that we were supposed to be XXXX, which was not what I was doing. After I got home, I called back and spoke to yet another man who failed to identify himself or the company who tried to get me to give him a debit or credit card that he was willing to postdate for the remaining payment. I told him that I would need to speak to my husband first. The person that I spoke to advised that I had 24 hours to get back to him and that he would call me back at XXXX to discuss my plans. After speaking to him, I called Spotloan and learned that they sold my account to XXXX XXXX on XXXX XXXX, 2016 and that they no longer had anything to do with the account. After called the XXXX number again after XXXX, I got a recording that identified the company as either XXXX or XXXX. I am not comfortable with giving out my debit or credit card information to this company without paperwork regarding this situation or for a postdated transaction.
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| 03/09/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I applied for and received an online loan from BlueChip financial DBA XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could I contacted the Indiana department of Financial Institutions, the Federal Trade Commission and the Consumer Financial Protection Bureau. It seems that XXXX is NOT licensed to do business in the state of Indiana, charges illegal amounts of interest and does not recognize federal and state laws. Tribal law does not supersede state or federal law especially since Im not a member of the tribe nor do I reside on the reservation. BlueChip financial also violates the federal law against, deceptive and abuseive practices. Which in turn means that my loan is NOT legal, NOT enforceable and it is NOT collectible. Upon receiving this information I contacted XXXX via phone and told them what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said that a case manger would look into this. I wasnt given any time frame or even the persons name. I then contacted XXXX XXXX XXXX- I spoke with XXXX , who said he was the manager, he was very rude and basically said that they have money on this account and I needed to pay. I advised him that the loan was ILLEGAL making it null, void and uncollectable but he insisted that this legal for them to report this to the credit bureau. I have since then filed disputes with the credit bureau.
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| 01/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.
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| 04/07/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan.
Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions.
Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows.
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX.
If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX.
Thank you for being a Spotloan customer.
Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.
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| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau XXXX. I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
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| 02/27/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Contacted on XX/XX/XXXX by a XXXX XXXX, stating I owed {$250.00} to XXXX. I let him know that the debt was not valid and a final payment of {$230.00} had been made in XX/XX/XXXX. I also told him I would not be making a payment to him today and would contact the original creditor to so they could remove the account from collections. XXXX XXXX called me back immediately, leaving a voicemail that stated I needed to provide him proof by the end of business day or they would proceed with a lawsuit against me. XXXX XXXX did not provide any fax number or email address to which I could send proof of the paid debt. I attempted to call XXXX XXXX back six times, every time he hung up the phone without answering the call. On the seventh try I got through to his associate, the associate transferred me to XXXX XXXX. At that time I requested he provide me with a fax number or an email address so I could provide him a copy of the cashed check. XXXX XXXX refused to provide me with either, and told me he was sending a sheriff to my house. I gave him my email address and asked him to please email me so I could provide him with a copy of the cashed check that showed the debt was paid in XX/XX/XXXX. So far, XXXX XXXX has not provided me with any means of communicating proof of the paid debt with him and is no longer answering any phone calls. The times I did speak with XXXX XXXX on the phone he raised his voice, was profane, would constantly speak over me and would not allow me to get a word in edgewise to provide proof that the debt was paid.
Prior to the call on XX/XX/XXXX, XXXX XXXX left a voicemail on the cell phone my husband uses for his military service, stating that I owed a debt and I needed to call him to pay it immediately.
The final loan payment was made on XX/XX/XXXX via online bill pay through my credit union. The check was sent to the company on XX/XX/XXXX. Attached you will find a copy of the endorsed and cashed check.
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| 12/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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my complaint is not just about the change of amount to pay but the horrid customer service and how many times I have reached out to them. I took a XXXX dollar loan out mud summer with spotloan, It was being taken out on a day oppisite of my pay day week. I asked to have it taken out the same day but next week for convenience of it being on a payday since it wouldnt of been easy for me to pay that week. So I received an email back saying yes it was changed to the day I requested and it was not. It was actually changed to 2 weeks from then, which I originally did not complain about since I didn't have the money I just decided to pay it from my next check i paid and paid for 3 more months ans my balance never went down i received an email saying my loan was extendesd. I understand fees and interest especially with a loan like this ... but my balance went from XXXX to XXXX ans now will not be paid off until XX/XX/2021, i called. The guy explained to me since I moved my day my loan was extended XXXX dollars! And it wasn't even on a payday which he could not move for me unless I wanted it extended more. I have paid and paid on this.loan. I pay twice a month on this loan and my balance still to this day is XXXX and I have spoke with them to try and work with me and there is nothing they can do i paid for 3 months in a row.. these past 3 months and my loan is still at XXXX I honestly believe it won't be paid off in XXXX i believe it doesn't go down. I also just requested this week for it to be moved to a pay date once again for convenience i got no.email back until they said it was moved to XX/XX/XXXX i stated in multiple emails ans I have proof i did not want it changed of it extemded the loan I callled today since it is suppost to be taken out tomorrow ams the girl could not tell me of it will be pulled out tomorrow or XX/XX/XXXX i am livid with this company and I feel like I'm drowning
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| 02/18/2017 |
Yes |
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Web |
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In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations.
I had three payments debited from my bank account, and before the fourth I sent Spotloan a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped.
Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX.
XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX
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| 06/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX is reporting false information on my credit report for debt I do not owe. XXXX XXXX XXXX is reporting on behalf of Spotloan. I received a loan forgiveness and cash settlement from Spotloan due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from Spotloan in XX/XX/XXXX. Spotloan was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, Spotloan is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from Spotloan. Why does XXXX XXXX XXXX continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.
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| 05/29/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I first received a call on XX/XX/XXXX from a " XXXX XXXX XXXX '' at XXXX. They left a number to call back, XXXX. They were claiming to have a debt from XXXX XXXX for the amount of {$1400.00}. When I had first spoke to one of the representatives, I had asked for written verification of the Debt. They refused stating that they had my information and my account numbers, and that written verification was not needed.
They right away wanted to settle the matter by obtaining my credit/debit card information, and I informed them that I would need to look through my finances and call them back. They claimed that if I hung up the phone and did not give them that information, that there was a lawsuit that would move forward. My hanging up the phone would have their " System '' automatically take that as a refusal, and the lawsuit would move forward.They also stated that moving forward if I needed to reach them I would need to call XXXX.
On XX/XX/XXXX they called me twice again, from XXXX, regarding a payment at their office. They stated in my voicemail that if they were unable to reach me, that they will actively seek me at my place of employment and personal home.
Also on XX/XX/XXXX they called a friend, from XXXX, that I had last worked with 10 years ago. They claimed to be calling from XXXX XXXX XXXX XXXX. They very rudely informed her that they were trying to get a hold of me and were going to take legal action. They also informed her they were going to contact my employer. She replied that was illegal for them to do so, and the company hung up on her.
On XX/XX/XXXX they also called another friend, from XXXX, and very rudely informed him of taking legal action. He started to ask them questions to make sure they were a valid entity, and they became more rude with him They claimed I used him as a contact, which I would never do.
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| 10/15/2016 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Threatened to take legal action
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Web |
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Had taken out a loan with Spotloan XX/XX/2016. I stopped paying on the loan because I no longer could afford the payments. After consulting with an attorney, she suggested that I file a complaint against this company for violations of the FDCPA and Rosenthal FDCPA as she determined that this company along with his prior collection companies, engage in serious collection violations which has caused me and my family a great deal of distress. The individuals representing this company bullied and intimated me as well as called me on numerous occasions threatening legal action, wage garnishment, etc. if I did not pay this debt and refused my requests to contact my family members, called me a " deadbeat '' and other defamatory comments and threatened to continue to call my family members despite my request until I paid the debt. I also received multiple calls from their " process server '' who called me as well as my family members threatening to serve me with papers even though no law suit was currently pending. The collectors left messages with a case number which did not exist in the court system according to my attorney. In addition, my family members were repeatedly called by this company even though they knew how and where to reach me. The distress over the repeated contacts, threats and harassment to me and my family coerced me into making a {$200.00} payment last month that I could not afford. This whole incident finally led me to contact an attorney to represent me in this matter and who also directed me to file a complaint with the FTC as it is her opinion that this company engaged in borderline criminal and unlawful debt collection tactics. I 'm filing this complaint in the hopes that this company can be stopped and put out of business so as to not put any other people in the situation that they put me through.
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| 11/19/2016 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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My place of employment received a call from a XXXX XXXX from XXXX XXXX, XXXX, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX XXXX XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from Spot loan ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.
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| 07/14/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation.
- Never received any further correspondence.
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX Collection effort showed up on the credit report.
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me.
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email.
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated.
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.
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| 09/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS.
XXXX XXXX XXXX OHIO : 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 XXXX XXXX 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 490 % The amount financed : {$400.00} 28 % on top of {$400.00} = {$510.00} 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
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.
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| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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My loan/account with creditor, Spotloan, was 30 days past due on XX/XX/2023, as a result of XXXX XXXX and financial hardship ( evidence of XXXX can be provided upon request ). I attempted to log into my account on XX/XX/2023 and was unable to.
On XX/XX/2023, I attempted to log into my account again. I was unable to log-in for a second time ; therefore, I contacted the creditor, Spotloan, to resolve the issue and gain access to my account ( Exhibit 1 ).
On XX/XX/2023, Spotloan, responded to my request from the day prior, stating the following ( Exhibit 2 ) : " We regret to inform you that your online access option is unavailable due to the delinquency of your Spotloan account.
You may call to make a one-time debit card payment or go over other payment options by contacting us at XXXX ( XXXX ) XXXX.
Once you make a payment, you will have the option to log into your Spotloan account again. Be aware that interest on returned payment ( s ) accrues on a daily basis and missing a payment can get expensive fast '' As a result of the delinquent payment, the creditor, Spotloan, has revoked access to my online account. In addition, Spotloan, does not provide mailed statements. I am unable to view my account information, payment dates, past due balance or total pay-off amount.
As the issues I am experiencing, as a result of XXXX XXXX, continue to improve I am working on reducing my debt and would like to start by paying off high interest loans/accounts, such as my loan with creditor, Spotloan. However, Spotloan 's revocation of my account access has made it so that I am unable to view any information regarding my account in order to appropriately plan repayment.
A signed summary of this request is attached as Exhibit 3.
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| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX XXXX. they gave me an " attorneys number for XXXX XXXX XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call.
The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
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| 03/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
Servicemember |
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Hi, A little bit ago I signed up for a loan with the tribal online lender named Spotloan.com because I received a pamphlet in the mail from them. I signed up on XX/XX/XXXX for monthly payments to payoff the {$800.00} loan in 3 months. Instead they signed me up for bi-weekly payments of {$140.00} at 490 % interest for a loan repayment total of {$3000.00} starting XX/XX/XXXX and ending XX/XX/XXXX. Just so you know this would mean every payment made would comprise of {$140.00} in interest and the rest to pay off the service.
I called them to fix this and was told that they would so. Then on XX/XX/XXXX they pulled {$140.00} from my account, but sent it back. My bank account says they returned it. The spotloan online account for me said deleted. After which, they charged me a fee. I then called them and was told to call back later. Then again I was told later they would fix it. My bank account had identity theft in XXXX and had some direct deposit errors because of that so I didn't get to make another payment until XX/XX/XXXX for {$200.00}. The monthly bill still had not been fixed even after emails, and phone calls. Eventually I was told that even though they made the account error, they couldn't fix any of it because the system was locking them out. I tried talking to them about the returned payment, the account set up wrong, the fact that they can't just refuse money and charge me without even trying to help me resolve this. Sense the account was created tell the XX/XX/XXXX they sold my account to true accord for {$1800.00}. I need to have spot loans unlawful business practices brought to the light and have my loan be removed because of unlawful loan practices.
Thank you,
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| 10/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
|
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Web |
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Due to a series of financial difficulties caused by unexpected medical expenses and Hurricane Laura, I took out 3 loans with Blue Chip Financial dba Spotloan on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$1800.00}. To date, I've paid {$2300.00} to this lender, with the most recent interest rate being 460 %.
I stopped payment to this lender in an effort to consolidate my debts with a debt consolidation company. This company did nothing to settle any of these debts so I cancelled my contract and, eventually, obtained a refund. Thereafter, I discovered that Blue Chip Financial is not a licensed lender as required by Louisiana law, that the interest rate charged exceeded legal maximums, these loans are " null and void '' ( La. R.S. 9:3518.4A ( 1 ) ), and this company recently settled 4 class action lawsuits involving the same issues I've identified here. I filed a complaint with the Louisiana Office of Financial Institutions who has now referred the matter to the Louisiana Attorney General 's Office.
The company responded to OFI and myself. The company offered to settle my outstanding {$800.00} loan for {$780.00} even though I've already paid {$170.00}. The previous loans were acknowledged, but the company did not offer to refund the excessive interest charges nor did it acknowledge that their fees exceeded allowable limits. Instead, the company continued to allege that they are not subject to state or federal regulation due to tribal immunity. This assertion is belied by the lawsuits settled XX/XX/XXXX. Moreover, the case cited in the email submitted concerns contracts arising under the Tribal Gaming Act and are therefore inapplicable to the instant matter.
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| 02/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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XX/XX/XXXX I accepted a {$400.00} loan with the expectation to make $ 135 monthly payments. First payment I missed and called one day after its due date to request to make a payment in 3 days, on my pay day. Instead they offered to defer the payment for a month in exchange for XXXX XXXX monthly payments, and the extra amount would cover any accrued interest. Which at the time, sounded fair. After making 5 monthly {$170.00} payments, I Called to see if it were possible to lower my monthly amount. Again, I was offered something I didn't ask for ... .now bi weekly {$93.00} payments. I regrettably agreed to this amount, because {$170.00} is a huge chunk all at once ... ..and that's where the REAL trouble began. I recieved a reminder email for my upcoming payment on XX/XX/XXXX. My principal ( AFTER ALREADY PAYING {$700.00} ) was {$410.00}. I went to pay loan in full and on their web account, it says I owed {$550.00} still! I emailed several times, made phone calls, nobody can answer where my {$700.00} payments went!!!!!! They are stealing my money. The only response from " XXXX '' even remotely touching the subject was as generic and unhelpful as these auto responses on this page. She tried to make it sound as if I extended my loan, but evem then I asked her how I would ever pay off my loan if every month my principal amount JUMPED by {$150.00} without ever even missing a payment? Literally impossible to ever pay off and it makes XXXX sense.
I am doing everything I can to at the very least, be treated fairly. XXXX also presumed to highlight because they're tribal, they do not hold the same laws. But I do not believe that is any sort of immunity for all.
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| 05/08/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Threatened to take legal action
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Web |
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XXXX is attempting to collect on a debt for an illegal payday lender named Spotloan. They have called my work number after I 've informed Spot Loan and another company affiliated with XXXX that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another one of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. XXXX violated the FDCPA by contacting me at work after I 've asked the original creditor, XXXX 's affiliate, and XXXX not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.
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| 02/28/2017 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Indicated committed crime not paying
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Web |
Servicemember |
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XXXX ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted EBTs ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. XXXX then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year XXXX of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.
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| 01/24/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!
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| 02/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I called SpotLoan 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 Spotloan 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 Spot Loan that issues loans through bank BlueChip Financial. When my account defaulted they added late fees and interest to the loan. I borrowed {$800.00} on XXXX the XXXX of 2021 made XXXX payments of {$150.00}.
I am now aware that SpotLoan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other state. BlueChip Financial agreed to pay {$18.00} XXXX to resolve claims that Spotloan interest rates and loan terms were illegal, and class action also claimed that the companies lacked the proper state licensing to provide loans in various states.
SPOTlOAN now has turned my account over to a collection agency XXXX XXXX stating I owe {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( TTY XXXX ).
SpotLoan charges a annual interest rate of 490 %. Annual percentage rate 490 % finance charge {$2500.00} amount financed {$800.00} after all payments I would of paid {$3300.00} for {$800.00} can view class action settlement here XXXX XXXX XXXX/lawsuit-settlements/closed-settlements/spotloan-high-interest-rates-class-action-settlement/
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| 09/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I received a payday/installment loan from XXXX XXXX ( also known as Bluechip Financial ) around XX/XX/2018 in the amount of {$800.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. The only information that I am able to view when I log into my account is the next payment due amount and current payoff amount. As of todays date- the current payoff amount is {$980.00}. I have been making bi-weekly payments of {$150.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, and XX/XX/XXXX18. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter 17 of Title 16 of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
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| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way.
Sincerely -
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| 12/09/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I received a loan from Spotloan for {$400.00} on XXXX XXXX, 2015. During the application process it did not mention that the payments it pulled every paycheck would be interest only. My payments have come out on payday without issue since that time for {$66.00} every two weeks, XXXX payments in total since the loan was issued, totalling {$600.00}. I did n't have a payment pulled on Friday when I was paid and thought finally I had paid the loan and it 's outrageous interest back in full. 5 days later on Tuesday XX/XX/XXXX I received a NSF fee from my bank and asked what it was for so that I could ensure I paid whoever it was that was n't paid, they replied that it 's Spotloan. Later that day, today, I received an angry email from an employee at Spotloan stating " you promised to pay us back, why are n't you paying us back ''. When I logged into my account with Spotloan for the first time to check the balance and see if I could just pay the remaining balance off and be done with these crooks I saw the remaining balance is {$390.00}, they 've only applied {$6.00} of the {$600.00} I 've paid them to the principal. I can not imagine this is legal or allowed, my understanding is some of the payments were required to go to principal, and I would n't think that a fraction of a percent of each payment would be adequate to meet that requirement. I 've paid this loan back plus 50 % interest over the last 4 months, and apparently I have made no progress toward the balance, this is robbery.
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| 09/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I applied for an online payday loan from a company called bluechip financial dba XXXX. This is a tribal lender governed by the XXXX XXXX XXXX of the XXXX XXXX XXXX.
Borrowed XXXX back on XX/XX/2018 and got approved. I was also on the brink of being evicted and needed to pay my rent plus a late fee. My payment terms for this XXXX dollar loan ... XXXX a month for 8 months and a final payment of XXXX. I agreed thinking to myself that as soon as the principal balance became low enough, I would pay the loan in full to save on interest. I said yes to automatic ACH debits from my account. I didnt realize that after making my payments faithfully for 6 months, I would have to still pay more than I borrowed tp pay in full ... XXXX I have paid XXXX on this XXXX loan so far and can't afford to pay them anymore. I also contacted the dept. Of financial institutions in my state and was emailed that they dont have a license to operate in my state. This loan is therefore ILLEGAL.
I have put a stop payment order with my bank and even though I have three months left on this loan, I refuse to give anymore " free '' money to an illegal and predatory lender who only cares aboit lining their pockets.
I am also a XXXX XXXXXXXX XXXX patient and need to buy XXXX XXXX meds to manage my condition. I want to enjoy my money, not shovel it to these predators. XXXX for a XXXX dollar loan is ENOUGH. Also, since I put in a stop order for future payments, access to my XXXX account is unavailable. IDK
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| 01/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
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I applied for a loan with Spotloan on XX/XX/XXXX. They approved me for a {$500.00} loan with a lengthy repayment schedule and high repayment amounts. I called Spotloan to ask about the interest rate and how my payments would be applied to repaying the loan. I wanted to make sure I could pay it off quickly. I did not want to make payments til XX/XX/XXXX like the payment schedule showed. But I didnt know how my payments would go towards the principal and interest.
The representative told me he couldnt tell me until after I had the loan. He said he couldnt see my interest rate and didnt know how my payments would be applied. He said I had to call back after I had paid he loan. So I waited and called back. Another representative told me I was being charged interest daily! The interest always made the amount owed more than my payments. Every time I made an online payment, my balance got higher. Furthermore, the balance they would email me didnt match the balance when I logged onto my online Spotloan account.
My plan of paying this loan off quickly was ruined by the way they are handling the interest. I never would of accepted the loan if I knew my payments werent going towards paying off the loan. The should of told me upfront. They also need to let me know my actual balance and not give me conflicting information. I want to resolve my debt with this company. But I also want to report their deceptive practices.
Thank you
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| 05/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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I got a loan via an online website with Spot loan back in I believe XXXX . I made my payments regularly until I changed jobs and I fell behind. I fell behind one payment and the company debited my account despite me reaching out and telling them I did n't have funds to cover. The debit was sent back because I had no overdraft on my account. They continued to debit my account several times. Eventually my bank closed my account because of it. I tried to talk to bank and tried to talk to Spot loan. Eventually spot loan decided to start sending me nasty emails calling me a " thief '' and telling me " You s tole my money ''. Very odd from a business. I ceased contact after the emails became abusive and it was clear I was n't getting anywhere. I recently got a call from someone who called themselves an attorney stating " I have a client who says you stopped payment on their loan and effectively stole their money, my job is to recover the loan - fees - my fees and costs ''. I explained all noted above and he stated he was n't taking the case. I now get calls up to 5 times a day from this person claiming to be an attorney. I am being threatened to be taken to jail, told I am to pay thousands back, they are interfering with my new job. Etc. This company 's tactics were abusive from day one of a missed payment and have continued since. This is not professional, nor legal. I wish to request my rights in this be upheld.
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| 09/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
|
| 09/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Tuesday XX/XX/XXXX I was contacted by my HR department that some gentleman had come into their office trying to serve me papers. He left them with only a name of XXXX XXXX XXXX XXXX along with a phone number of XXXX. I called the number and spoke to a gentleman who was very rude asked if I have signed any litigation paperwork within the last 72 hours and said they were suing me for a loan from XX/XX/XXXX. I said no I have not signed anything so he proceeded to tell me well then we can settle this now before any paperwork gets signs. I said I do not have the money at this time to pay it. He became more aggressive so I hung up on him. This morning Thursday XX/XX/XXXX I get a voice message from a XXXX XXXX from some servicing agency that said my case was forward to them by XXXX XXXX XXXX XXXX. The lady said in regards to my property and my place of employment and I had 24hrs to return the call. I returned the call and they said that I would have to call XXXX because they are only a servicing agency and my file is in their hands now. I told her that I called them Tuesday and am now wondering how you received my information if you did n't have my file. I also requested a validation be sent to me about the debt. She was unable to give me any answers, just kept saying we are a servicing agency and you need to contact XXXX. I told her I filed a claim with FTC and she then hung up. The servicing agency number is XXXX
|
| 09/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Received a call from a man stating he was with Spotloan.com about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is BlueChip Financial and not even licensed. They need to be stopped!!
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| 04/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
This is a follow up complaint to a previous complaint ... # XXXX The company responded back with the same response they continued to provide to me WITHOUT ANY FACTUAL DOCUMENTATION ... .IVE ASKED THEM REPEATEDLY FOR A COPY OF MY ORIGINAL APPLICATION, to include the questionnaire that allows me to choose the dates of repayment ... .NOTHING ... By my records..BY THEIR OWN ADMISSION ... THE LOAN WAS FOR 90 DAYS. FIRST PAYMENT DUE ON XX/XX/XXXX ... .WHICH MEANS. FOR A TRUE 90 DAY LOAN ... THE DEPOSIT INTO MY BANK ACCOUNT SHOULD HAVE BEEN DEPOSITED ON XX/XX/XXXX ... ... NOT XX/XX/XXXX ... TO WHICH I CAN CONFIRM THROUGH BANK RECORDS ... I've asked them to provide the ORIGINAL EMAIL ... .DATE STAMP ... FORWARDED FROM THEIR SENT FILE DIRECTED TOWARDS MY EMAIL DATED ON XX/XX/XXXX ... .THATS GON NA BE HARD TO PROVE BECAUSE IM WILLING TO ALLOW U TO GO THROUGHT MY EMAIL ANYTIME U LIKE TO PROVE NO EMAIL WAS NEVER RECEIVED IN MY IN BOX ON XX/XX/XXXX ... .THE FIRST TRUE EMAIL I RECEIVED FROM SPOTLOAN WAS ON XX/XX/XXXX ... ..ALL OTHER COORSPONDENCE REQUIRED ME TO LOGIN THEIR SERVER AND COMMUNICATE WITH THEM THEIR ... .IM SURE THAT WAS DONE SO AS TO REDUCE THE AMOUNT OF A PAPER TRAIL AND IT ALLOWS THEM TO CONTROL THE CONVERSATIONS DATA. IM ON A FIXED INCOME ... SO ONE WOULD HAVE TO WONDER WHY I WOULD BE WILLING TO PAY 30 DAYS OF INTEREST ALTHOUGH I HAD THE LOAN ONLY EIGHT DAYS ... .WHO DOES THAT ...
|
| 04/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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I sent a letter onXX/XX/XXXX to Spotloan to revoke ACH authorization any further. Then today I find that money has been debited from my account anyways. I also sent another letter stating at the top that the original was sent on the date above. I got a response but no acknowledgment about there being a prior letter for ACH revocation.
It reads this : Date ___XX/XX/___________ Name_XXXX XXXX ___ Address_XXXX XXXX XXXX XXXX___________ Email_XXXX_____________ Attention Payment Department Lender Name_Spotloan _____ Fax : N/A_____________ Acct No. __XXXX_______________ To Whom it May Concern : I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers and NACHA regulations amended XXXX. I am revoking 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 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
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| 12/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I acquired this spotloan and was trying to pay it off early XXXX and was told I had to wait until my latest payment was processed on XXXX of {$150.00} in case I may be overcharged.
I did pay {$400.00} which lowered my balance to {$280.00} The agent told me to wait until the {$150.00} payment on XXXX has cleared.
I called again on XXXX-The agent told me to wait until the payment had cleared which it did..
{$150.00} was charged on XXXX I called back today and they told me I owed {$280.00}. That was not correct!!!
Which should've lowered my balance {$130.00}. But it did not. Instead the supervisor said we will allow you to pay this off for {$200.00}. I told them this is not correct and told them I would be reporting them for fraud. Clearly they wanted me to wait to charge me more.
3 payments of $ XXXX {$460.00} XXXX XXXX {$400.00} - came from my XXXX XXXX account XXXX below is my XXXX accountancy made All payments= {$860.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX : XXXX ACH debit - {$150.00} {$200.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX : XXXX ACH debit - {$150.00} {$390.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX XXXX XXXX ACH debit - {$150.00} {$350.00} XX/XX/XXXX WITHDRAWAL XX/XX/XXXX | See details of this withdrawal.
XXXX. debit - {$800.00} {$6.00} XX/XX/XXXX VBS_Spotloan XXXX XXXX ID : XXXX ACH credit {$800.00} {$800.00}
|
| 06/06/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.
|
| 01/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.
|
| 07/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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In XX/XX/XXXX, I was facing eviction and a cut-off of my utilities. I tried numerous ways to secure money to help avoid this problem. Unfortunately, I couldn't get any help. For that reason, I felt I had no choice, so I reached out to a payday loan company by the name of XXXX. I secured this loan in good faith and now I believe the company is holding me XXXX with unreasonable requests. The loan was for {$600.00} dollars and it was deposited into my account on XX/XX/XXXX. Every month beginning XX/XX/XXXX to this day, XXXX has taken out of my account {$210.00} each month, for a total of {$1400.00}. I tried to close the account out on XX/XX/XXXX, but I was told that I would need {$530.00} to pay it off. I asked them how many more months would it take to pay off the loan, entirely, at the current monthly rate? The representatives at XXXX told me, 3 more months, to XX/XX/XXXX. I can't afford this. I don't disagree that I borrowed the money in good faith but I believe XXXX is taking advantage of me. This is outrageous! I think I've more than satisfied this loan. I am a recently retired federal government employee and I live on a fixed income. In order to resolve this matter, I am hoping, CFPB sends a Cease-and-Desist letter to XXXX, demanding they stop all future debits from my banking account. Thank you.
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| 09/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, I was issued a loan from XXXX for {$600.00}. To date, I have paid {$390.00} which has cleared and posted plus another {$130.00} which is in process for a total of {$520.00} ( 4 payments of {$130.00} ). Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. Once I make my fifth payment of {$130.00} on XX/XX/XXXX, I will have paid {$650.00}. To pay the {$90.00} fee, I would owe a remaining amount of {$32.00}. I will pay that amount on XX/XX/XXXX.
The XXXX website states I still owe {$670.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$390.00} which has already cleared, to collect another {$670.00} from me would mean XXXX will receive {$1000.00} on a {$600.00} loan.
This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL.
Once my fourth payment ( XX/XX/XXXX ) and fifth payment ( XX/XX/XXXX ) of {$130.00} each are posted to my account, I will only owe {$32.00} to pay back {$690.00}. I will pay that on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.
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| 11/28/2020 |
No |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX contacted me in XX/XX/2020 about a payday loan on behalf of Spot Loan for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called XXXX XXXX and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called XXXX XXXX to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Hello, on XX/XX/XXXX I was contacted by a person CLAIMING to be a debt collector. At this time I am unaware if they are a scam or real. They are breaking multiple rules. First off, they began calling my wife claiming to be collecting a debt for a loan she did n't know about. They have called repeatedly after being told to stop. They have called her work to discuss the information with other people. We have recently gotten married, although they were unaware of this, as it was 3 weeks ago so when I told them I 'm her husband, they were willing to give me all the information, even though legally they have no proof I 'm her husband and are not legally allowed to discuss the debt with anyone else. They have threaten jail time, they have called me names and called my wife names. They refused to give written validation saying the email they sent me is enough. They claim to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX The email they sent me cites a different number than what they call from and has no official letter head. The number they call from is ( XXXX XXXX XXXX The number on the email isXXXX XXXX ; XXXX They now continually call ME at work after speaking with one of her old employers and finding out where I work The email address they used was XXXX
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| 11/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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The lender has made it known that no help can be rendered to me. They have charged me outrageous interests that increased the principle heavily. {$600.00} was initially borrowed, and on several occasions, I have tried to reduce the principle but to no avail. The interest rates have made it difficult and I am very much fed up at this point. I just want to pay what I owe because the interest rates have been standard practice and I Intend to warn everyone I know about this company to stay away. Here are discord points : XXXX ) Aggressively leveling XXXX withdrawals without notice.
XXXX ) Lack of communication. Customer service is unresponsive via phone and email requests are extremely slow that when a hold XXXX request is submitted, there is no response, leading to XXXX withdrawal anyways. This causes unexpected charges in the form of bank overdrafts from my financial institution on weeks that I do not receive paychecks when time off is observed XXXX ) Unprofessionalism in this matter. This company aggressively takes on the collection of interests for this loan and does not care for the customer. At this point, it seems I am working for the company 's benefit only.
Please assist in bridging the gap to help find a lasting solution that is fair for me as a consumer.
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| 08/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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On XXXX XXXX of XXXX I took out a {$800.00} loan from XXXX. In the past I have always paid these loans pack in 1-2 payments, so I never understood how the long-term payoff process went. I started making payments of roughly {$140.00} every other week and had been paying this for all of XXXX, XXXX and into XXXX. On XXXX XXXX I e-mailed XXXX after realizing the principle balance on the loan had not gone down. After doing research I found out that XXXX is not licensed and does not have to abide by state/federal interest guidelines, and that the interest on my loan was at least 400 %, if not more. They claim to be licensed by their tribe in North Dakota. I asked to be able to pay off the remaining balance of the loan principle ( {$93.00} ). They refused. I have requested this multiple times since XXXX, they still refuse. They have blocked my account online so the only information I get about the status of my loan is from one loan officer named XXXX XXXX He is now refusing to answer my e-mails regarding the situation and stated he will not e-mail me further regarding a resolution. Any report to my credit or other agencies will be disputed under the fact that tribal law and regulation is " being upheld '' off of tribal land through manipulation, etc.
|
| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
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Web |
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On XX/XX/23 I regrettably accepted a {$700.00} loan from Spotloan online, having been redirected from a loan finder website that takes a borrowers personal information and sells it to whichever lender accepts. I accepted the loan under the impression I could easily make extra payments on the principal, with no prepayment penalty.
Unfortunately, once I had set up an online profile within Spotloans payment portal, I was very frustrated to realize that their repayment options were suspiciously limited. Through their online platform, I only had the ability to pay double the minimum bi-weekly payment of {$130.00} ( for a total of {$270.00} ), or the full balance plus interest accrued up to that day.
These limitations seem designed to make repayment difficult, and near impossible to avoid getting hit with outrageous interest charges at a 490 % APR, definitely in violation of my state of Californias usury laws.
To date I have paid {$2700.00} with interest on a {$700.00} loan, due to business practices that almost certainly violate UDAAP guidelines. My original loan agreement is attached in a PDF file. Spotloan is the DBA name of their parent company, Blue Chip Financial, a tribal loan company operating in the state of North Dakota.
|
| 11/05/2019 |
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
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2019, I contacted Spotloan on their main number XXXX XXXX XXXX XXXX to schedule a payoff of a loan I had taken for XXXX XX/XX/2019. Before I hung up the phone, I asked the agent if they would be taking the monies from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2019, I received a notice from XXXX XXXX XXXX XXXX that Spotloan had tried to take the money from this account, and that they are charging me {$29.00} for non-sufficient funds. I contacted Spotloan on XXXX XX/XX/2019 to find out why. They told me that they would call me back, and never received a phone call. I called Spotloan on XXXX XX/XX/2019 to figure out what happened. First the agent tells me that my phone isn't receiving incoming calls, but I never received a call, and I have no need to block them. Then the agent got my information to verify. They put me on hold to review the account. After a couples of minutes, the agent came back on to say that they reviewed the call and they wouldn't help me because I didn't specify the difference in banks. The agent told me that the bank on file and the bank I wanted the money to come from were the same because they were both credit unions. The agent stated that since I didn't specify the bank that they will not help.
|
| 08/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
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On XX/XX/XXXX and XX/XX/XXXX I received messages from an attorneys office. The reason for the call was not stated in the message. I had to play the message 4 times to get the phone number to call. When I returned the call I was connected to a very aggressive man, who claims that his firm XXXX and XXXX have been retained by Spot Loans to collect money from me on a payday loan I obtained. I am the victim of identity fraud from 2013 when someone hacked the SC Department of XXXX tax records. XXXX accounts were hacked. XXXX was XXXX of them. They say I received {$850.00}. I have never obtained a loan online. I have fraud alerts on all my credit files plus I have disputed many entries. Neither man would listen to me and said I was a criminal. I have asked both of them to stop calling me and I have hung up the phone on both of them. Their phone number is XXXX.
Please get them to stop calling me. They are even talking to me about items on my credit report. They have no right to obtain information on my credit reports. They were asking about different accounts that are listed.They are also calling from a local number to deceive me.
I am recovering from a total XXXX XXXX and these calls are very upsetting.
XXXX XXXX XXXX
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| 10/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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In 2015 I fell victim to an online payday lender, XXXX. This company is owned by the Blue Chip Indian tribe and was a scam. Neither XXXX or Blue Chip are licensed in the state of CA therefore, any and all loans or agreements are null and void.
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist.
The calls stopped and I had not heard about them until recently.
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named XXXX XXXX XXXX - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of XXXX XXXX XXXX. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.
|
| 06/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
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They constantly called me and threatened to come to my place of work and my home. Told me I could go to jail if I do not pay. They called my husband and did the same and he is not on the loan. I told them to mail me information as I did not remember this debt. ( which now I do ) They never nailed me anything and have been calling for a year. They just stopped when it showed up on my credit report. They are horrible outfit and should be shut down. If they had been nice in the phone and mailed me the info on the loan, it would have been very different and never got this far. I had a bad gambling habit at this time and had at least 13 payday loans out. I settled with all of them, except this one which I thought I had settled. It was a very difficult time and I am trying very hard to get things straight. This place has caused several stressful days with their calls, telling me I owed way more than I borrowed. Spotloan only loans {$800.00}. I have paid Spotloan thousands of dollars with the outrages interest and told the collection company I would not pay any interest and I do not trust this place to say it is paid, if I did pay them. They are the devil. I had no problem with the 12 others I dealt with.
|
| 11/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I have become a victim of harassment and intimidation tactics by XXXX XXXX in an attempt to collect debt on XXXX XXXX. For over a year, I have received over 30 calls a day with threats to have me arrested for theft, threats to call my job, threats to come to my job sue me, and many other things that have caused me to spiral into XXXX. And causes me stress. I am unable to maintain my focus where it's needed as they call every hour on the hour. Yelling and using inappropriate language with every phone call to the point where arguments have ensued. I have asked them not to contact me as much as they do. I have tried to make arrangements, however, their intention is not to come to an agreement, but to collect the entire debt. The person 's placing this call have even gone so far as to threaten to post information about me on social media. I have already signed up for the DO NOT CALL registry and they still contact me. They are very unprofessional and disrespectful. Please, have them to stop calling me. It is to the point where I would like to sue them for this behavior. I have proof in my call records as well as phone recordings. Attached is a snapshot of the latest calls, as I have been deleting them.
|
| 10/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Servicemember |
|
Today ( XXXX ) I applied for a loan with the company Spot loan online. I received a letter stating they did not approve my loan due to not having a bank account. When I do. In fact I have 2 bank accounts. I have attempted to contact spot loan over this but all I get back is a confirmation email from them stating they will contact me with in 24 hours. 24 hours will be to late. I need to have the money ASAP. This is silly because I keep getting denied at a bunch of different lenders due to them stating that I dont have a bank account when I do. Just because it ain't XXXX XXXX XXXX or XXXX XXXX or a name brand bank shouldn't matter. My bank does everything those banks do. Plus more! My banks are XXXX Bank and XXXX. These companies are doing a form of discrimination over what they feel is not a bank when people do have them. I still have a routing number and an account number, they keep a ledger of all transactions. All the exact same as a bank. This XXXX of they dont fit into our policies is bs. Now I have to jump through hoops because these companies want to play games on what classifies as a bank or not. This should not be a reason why I am denied a loan that otherwise I would've qualified for.
|
| 05/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
|
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Called from a private number. Their number does not show. They left a message saying serving me with papers. I called back. XXXX wanted to argue that number 1, the company he supposedly is collecting for I never had a loan with ; number 2, he says he mailed me at my home address, lie, I can not receive mail at my home address - XXXX XXXX must be used or mail will be returned ; 3, said they had served me court papers and there was an open civil case that has gone through court. Called the local civil places. Another lie. Called the company he supposedly is collecting for, they can not locate any loan for me. HE REFUSED TO GIVE ME THE COMPANY NAME HE WORKS FOR, said he would transfer me to LEGAL DEPARTMENT which then he came back on the line. Called back after I spoke with the loan company and another guy supposedly ( same voice ) stated that they had mailed me and they are under no obligation. I informed him that this state REQUIRES YOU TO MAIL IF REQUESTED. Then he said he had to my physical address. NOT POSSIBLE. Then he said to my email. NOT POSSIBLE. I reply to all of these stupid emails advising IF THEY ARE LEGIT to MAIL ME and I provide my XXXX XXXX . NO ONE HAS EVER SENT ME ANYTHING.
|
| 12/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I contacted this company on XX/XX/2018 to find out how to pay my loan off early. They responded that I had scheduled a payoff for XX/XX/2018 for {$330.00}. I never scheduled that. I asked about paying if off sooner, but they said it takes 2 business days to process it and never got answers to my questions.
On XX/XX/2018 I sent them a ACH revocation letter. I never scheduled that payoff and could not afford it coming out of my bank. I sent it 2 business days before my payment. Right in the window of time they said it takes to process account changes. They didn't acknowledge it until XX/XX/XXXX, when they told me that they had received it, but just didn't process it. They acknowledged the letter and said no further debits would be made on my account.
On XX/XX/2018 they still debited {$100.00} from my bank after the letter. Instead of fixing their wrong all I have gotten from them is intimidation. I have been reminded of my " legal '' obligations to pay them. They refer to an agreement that I can not go back to read again because they never gave me a copy of what I signed and do not provide any account information online. I can not look up my balance, payment schedule, or any paperwork.
|
| 07/12/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
I have been receiving phone calls from a payday loan that I do not recall taking out. They say it was drawn from SpotLoan in the amount of {$800.00}, and was given to me on XXXX 2013. They claim I never made one single payment with would not be the case if I had taken out a loan. Im confused because I have n't heard a thing until the last few days. I called SpotLoan and the representative could not even tell me what account it was deposited to. Its been sold to a third party collection whom has been extremely unprofessional ( XXXX ). I keep receiving calls threatening me. I work for XXXX and they went as far as to call my job ( XXXX XXXX ) department to report the debt. On top of the calls from the agency I get calls saying their is a civil complaint against me and garnishment will be sent to my employer. Seems suspicious in nature and high pressure collections. I also told the agency that I would have to look into this claim and she said NO EXCUSES!! I do n't want to hear them. She also wanted me to report my bank info so they could make payment arrangements. I do n't even know this persons name, it was not provided to me. I refuse to be intimidated and harassed in this manner.
|
| 06/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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my last payment w as XXXX 2016. I saw a ad vertisement for help in paying your payday loan. I called them support advocacy XXXX . They took over my XXXX payday loans and dicuss the matter to them. I paid XXXX every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have XXXX charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel XXXX charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the 2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you
|
| 09/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I, the consumer and natural person, was denied credit by Spot Loans whence I applied for an personal Loan.
Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.
You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Spot loans Services due to the responses I received.
Spot loans is in violation of 15 USC 1642, USC 1681m, and 12 CFR 1002 because I, the consumer, put in applications in good faith, but credit was not issued to me.
Furthermore, because my social security number [ credit card ] was used numerous times, and I received NO BENEFITS. This is proof of fraudulent activity ( Unauthorized use of a credit card ) on behalf of Spot loans.
If Spot loans fails to make any reasonable procedures to resolve this matter, and compensate me for the use of my credit card, I will indeed make Spot loans criminally and civilly liable for all actual damages pursuant to 15 USC 1682n and 15 USC 1681o.
I will also follow up with an invoice for said violations ( {$10000.00} per violation. )
|
| 02/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from this woman who claimed to be serving me papers, I saved the VM on my phone, she was beyond rude and told me she was going to call my place of employment, in which she did and spoke with my boss XX/XX/2018 how embarrasing over a payday debt in which I tried to resolve payments with the actual company since this woman is calling from a private number saying she was a third party collector for her client XXXX, this was for a XXXX payday loan, I immediately called this number XXXX that they told my boss they were coming to my work to serve me papers. Like a fool, they got me, I called back and spoke to a XXXX XXXX who said we were being recorded which I was okay with. He said his client would settle for XXXX and then I proceeded to give him my debit number and agreed to XXXX month per month to make good, then I received an email confirmation showing that they were settling for XXXX??? I called back and this woman, probably same one was very rude, I told her I agreed to a different amount and that I was being recorded I told her good replay it back so I can show them. This document they sent me doesn't even look legit, how do I know if they are real????
|
| 04/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
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I took out an online loan from Spotloan last year 2015 when I had a job. They were taking payments out every 2 weeks from my bank account. I lost my job and my bank closed my account. I am not seeing the default on my credit report. I received a threatening phone call yesterday from a guy named XXXX XXXX who stated he was with some liason company and that they were serving papers on the XXXX of XXXX and I needed to be home or at work between XXXX. I needed 2 forms of ID and that if I did n't comply, I would go to court and jail. Gave me a phone number to call with a reference number. Was very rude and hung up. I called the phone number he gave me. The man stated it was from a loan i took out last year from Spotloan. He said I owed them. First he said XXXX, then he said XXXX..ONLY to be paid by CC. I looked up the number and it said NO number found that it was probably from XXXX. XXXX. That was the XXXX guys # ... the other one is XXXX. I do n't appreciate them THREATENING me like that!!! How can they serve me papers? I thought the courts had to do it. And I looked on my court records. Does n't say anything about being served. What can I do? It 's not on my credit report.
|
| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Dear Lender, It has come to my attention that 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. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds XXXX percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds XXXX percent for transactions involving amounts totaling more than {$500000.00}.
Your interest rates far exceed the upper limits of the statute.
At this time I am requesting a return email acknowledging that my loan has been paid in full or canceled and has been removed from my credit report.
I am also revoking authorization for ACH withdrawals and 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.
Please respond to this email with acknowledgment that my account has been satisfied in full.
Sincerely, XXXX XXXX
|
| 09/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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Well, its kind of been a snowball effect ever since I got my first payday loan. They have identified me as prey in their predatory loan schemes. I have been struggling to keep my head a float but now I am completely submerged and drowning. My bank account has not been a positive number for nearly a month. I have 5 payday loans in the state of ohio for amounts of {$1000.00} to {$300.00}. I can't pay any of my other bills, or afford the overdraft fees my bank have XXXX me with. XXXX XXXX has not been understanding of my financial situation and I can't get a loan to consolidate because of my recent credit history, utilization and delinquency. I can't pay my bills, yet XXXX, XXXX, spotloan, XXXX, XXXX, XXXX, are robbing me of every dollar I make. I don't know how to resolve this situation and I can't work enough hours or make enough money to end this cycle. I tried by getting a unsecured loan for XXXX but have now gone into default with this loan as well. My credit was starting to get better, but after an unexpected expense it has led to this. I am severely afraid for my financial future and need some one to protect me from these predatory lenders.
|
| 02/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
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XX/XX/XXXX I applied for a XXXX loan online with XXXX, made 4 payments of XXXX and wrote them a letter stating that I was in hardship could we work on payoff amount and I would guarantee whatever I could afford to send at that time, no reply back, no emails, nothing. I have been receiving phone calls all week XX/XX/XXXX from a private number, on Friday they directly called my work and spoke with my boss who therefore pulled me into his office telling me they were serving me papers by XXXX XXXX. At this time I called the XXXX number they had listed the woman was very rude and then switched me to a XXXX XXXX who said if I paid them today they would cancel the the papers being served, of course embarassed that they had actually spoke with him. I gave them over the phone my debit card and paid XXXX towards this debt, they are telling me that I owe a total of XXXX??? I only took out the XXXX. Please advise as this was a third party ( XXXX XXXX XXXX ) debt collector and needs to get a little bit of ethics on dealing with people who struggle and do have lives, I do not want to be disturbed at work or home as I have reached out to them in XX/XX/XXXX.
|
| 05/12/2016 |
Yes |
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Web |
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I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.
|
| 08/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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On X/XX/2017, I checked my account balance and it said that I actually owed more than I borrowed! At this point I had made two ( 2 ) payments of {$110.00} ; one on X/XX/2017 and another on X/XX/2017. When I called and inquired as to why this was, I got some long-winded excuse as to why the balance was so high ; something about accumulating interest. I expressed how violated I felt and how I felt like I was being taken advantage of and ended the conversation. Remarkably, since that conversation, the balance shows less than what I owe, but the majority of the payments I am making, at least 95 % of them, is going to interest and not principal. To date I have made 5 payments totaling {$590.00}. My balance according to Spotloan.com is {$510.00}. So out of the {$590.00} I have paid thus far, only {$81.00} has gone towards the principal. I have screenshots of the balance that showed on X/XX/2017, and subsequent balances on screenshots since. On X/X/2017 I have a screenshot that shows a balance of {$540.00}. 4 days later on X/X/2017, I have a screenshot showing a balance of {$560.00}! How did it increase in 4 days???? It 's just so ridiculous.
|
| 12/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I tried to call but no one answered. So send emails. They did not respond the the first to times. I did not read the fine print closely on this loan. I though this was for 10 months. I did not know this loan was for a whole year at $ XXXX. It was thrown my finances into disarray. I am XXXX XXXX XXXX XXXX woman. For {$500.00}, I am to pay them over {$2000.00}.
Date Amount XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} Total Fees {$0.00} I have sent Spotloan a letter to revoking them drafting money out of my banking account. I have paid the {$62.00} to stop payments ( XX/XX/XXXX and XXXX ). So I could resolve this issue but there payments are still going through. I have never had this problem before. I can not change bank accounts because of this.
I do not know anything else to do.
Please help me.
|
| 11/12/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
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I got a loan of {$700.00} on XXXX/XXXX/XXXX from XXXX. I have paid 4 payments of {$260.00} since my first payment ( monthly ) on XXXX/XXXX/XXXX. Before my third payment I called to ask the exact amount for payoff of this loan and was told $ 900+ which I could not pay at the time. I assumed after the third payment and the 4th payment my total payoff would be much lower so I called before my 4th payment to ask the payoff amount so that I could get this bill over with and was again told the payoff amount was $ 900+. I have paid {$1000.00} as of my 4th payment on XXXX/XXXX/XXXX. I feel that I have paid my original amount of {$700.00} plus {$350.00} in interest.
Now, I am beginning to feel scammed because that is enough for a {$700.00} loan. I am a senior of XXXX years old on a fixed income, and this becoming unbearable for me. I have borrowed from XXXX before and only paid approx $ 100-200 depending on the amount borrowed, however, I always made the loan off on the first due date, this loan of {$700.00} is the first installment payments I have made. I am scared and know this is wrong, so please help me with this
|
| 06/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
On XX/XX/2017 I borrowed {$800.00}. To date, through XX/XX/2017, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more. I asked if I had to default before they would consider a settlement and they could n't answer that question. I have been a good customer and never defaulted. I guess that does n't count for anything. They repeatedly ignored my emails and I had to call them. They also left me on hold for an extended period of time. I guess all these were stall tactics hoping I 'd give up. They state on their website that if one has trouble making payments to please contact them and they will work with you. Apparently that is not true. I am not even sure if this loan is legal. I would like to have this loan marked as paid in full. I think they 've made their money.
|
| 09/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I took out a loan of {$500.00} in XX/XX/XXXX. In XXXX of XXXX, one payment needed to be deferred and asked to be placed on the end of the loan. What was not explained was that this would cause the loan to be tripled, and in fact stretched out until XXXX of XXXX. I reached out to ask how was this possible, and that I had already paid almost three times the loan back. I was then explained that my loan was not through Spotloan, rather another company titled XXXX XXXX XXXX.
This was never explained to me as well. I feel that Spotloan and XXXX XXXX XXXX are utilizing unfair, deceptive, and abusive acts and practices. We are in the middle of a pandemic, and most citizens ( like myself ) have to choose between working and home schooling children. I am okay with paying what is owed but to extend a loan for 5 more months because of one payment deferral is insane. In addition, I apparently have a loan with a company I never agreed with or knew I was borrowing from. I've asked for calls back and they keep saying someone from their " legal team '' will call me but never have.
|
| 11/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.
|
| 09/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX I took a loan of {$800.00} from spotloan with the agreement of making 8 biweekly payments of {$200.00} ending XX/XX/XXXX. Even though this was already an insane interest rate, I agreed since I needed the money. At the end of XXXX I missed a payment and when I received an email regarding this and that they were no longer authorized to withdrawal from my bank I was informed that my new payment schedule was to make 12 more biweekly payments of XXXX $ until XXXX of 2022. What the XXXX? So not only am I back at where I started paying off the loan but I have to make even more payments than originally agreed. On top of the XXXX $ I had already paid off! This is insane and has caused immense financial and emotional stress. These people know exactly what theyre doing and they dont give a XXXX. They swindle poor working class people in dire situations while they line their pockets with millions. Absolutely evil and disgusting. They deserve to not only be XXXX down, but also rot in jail and compensate families theyve caused financial distress to.
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Loan date was extended without authorization or explanation. Amount required to satisfy loan has been paid according to contract originally signed. A loan was originally acquired with Spotloan on XXXX XXXX, 2015 for {$400.00}. Total amount to be paid is {$1000.00}. A payment was returned on XXXX XXXX, 2015 for insufficient payment. I received an email noting that {$10.00} would be added to my loan amount. This would bring the total to {$1000.00}. There were several emails with a " XXXX '' as to what I would need to do to bring my account current. I asked if I needed to make a double payment to make up for the situation. It was never explained that an extra charge of {$170.00} in interest would be applied. My contract states that my loan termination date was to be XXXX XXXX, 2015. An additional payment of {$58.00} was drafted from my checking account on XXXX XXXX, 2015 and my account still shows a balance of {$110.00}. They have been intentionally deceitful about their business practices and have been placed on a dispute list for XXXX XXXX account.
|
| 09/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I have been receiving several phone calls for several months from an XXXX XXXX regarding a Spotloan from the internet. He calls from different phone numbers but the latest phone number he called me from was XXXX. He is leaving very deragatory messages. He keeps calling my husband at work and on his work phone and has been told to stop. He has cussed at my husband on the phone, he has cussed at me also. He has left messages lying saying to call back regarding our property, and that he will find us. What does our property have to do with the loan? He has directly asked my husband " who wears the pants in the family '' and saying that my husband needs to force me to give him the money for this loan. He has also said that I need to look in the mirror and see that I am the problem as to why we are drowning in debt. He told my husband that I am fraudulent person and will be going to jail if he does n't pay my debt. This XXXX XXXX is a horrible person and needs to stop harassing us. He calls at all times of the day and night. Please make him stop!
|
| 02/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX, XXXX from XXXX XXXX called my cell phone stating that he was a process server for the state of XXXX and asked for my supervisor 's name and number to get information on how to send a sheriff to my job for a court case. He stated that it was for a " bad check '' written to Spotloan. I ended the call. He then called my mother looking for me and started rattling off her social security number, address and date of birth in an attempt to scare her into giving them my info. She did not give them any info and hung up the phone. They called my phone again on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, they also called my husband looking for me. On XX/XX/XXXX, they called again and I told them that I will be filing a complaint. I have not had any dealings with Spotloan since XXXX. I have even had a previous CFPB complaint about another collection agency, XXXX XXXX XXXX XXXX, calling me about Spotloan. Spotloan responded that they had no relationship with XXXX XXXX and that they would address the issue directly with XXXX XXXX.
|
| 09/13/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.
|
| 09/13/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.
|
| 02/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom this may concern, The following companies currently, or at a point in time were either, opened accounts, accounts that were inquired about, or either locked accounts with too many failed log in attempts. Over the course of the years I have tried everything to get my identity theft issue resolved. I have set up security locks with all 3 credit bureaus, hired a credit repair agent to remove fraudulently opened accounts, reached out to each creditor directly to provide supporting documentation in regards to proving my identity. Majority of the fraudulent accounts were completely removed except for Spotloan, which is now showing a balance of {$830.00} on all credit bureaus, XXXX XXXX, XXXX XXXX, and XXXX which are charge offs now. I will be filing a police report, and reporting to the Fair Trade Commissions website. I will provide a list of the following companies involved ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX.
|
| 11/23/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I had applied for a payday loan and when I notified them of their interest rates I agreed to pay XXXX a month 5 months by money order. When I sent the first money order they said they never received it and I told them I would check on it but no pay anything else until XX/XX/XXXX. They are not licensed in my state and I did owe XXXX so I told them I would pay that monthly but I am enclosing an email with threats and I am assuming it is from Spotloan because the loan company they list I have not dealt with. When I tried to reply to this email it was blocked. I do not appreciate being threatened by a lender that I had agreed to pay and they tell me they did not receive my money. I am attaching the email for your review. I can not respond to the email attached nor can I discuss. Please not that Spotloan is the only loan that I had and I discussed this issue with individuals before I have no idea who this actually is but I do n't appreciate being threatened and I tried to work out the issue
|
| 11/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Due to loss of hours due to COVID, I applied for a loan from SpotLoan, they promised that if you applied by XXXX XXXX. you would have the loan by XXXX XXXX., if after XXXX XXXX you would have the loan the next day. That was Monday, XX/XX/2020. On Weds. morning XX/XX/2020 the money had not been deposited and I started accumulating NSF fees for the bills not paid that I applied for the money for. I called the support line, but it was not open, so I email support and told them that either a ) I needed to add more money due to NSF fees, or b ) I needed to cancel the loan. You have 3 business days to cancel the load according to their policies. The NSF fees caused my account to go into overdraft. I checked at XXXX XXXX. and SpotLoan HAD deposited the money before contacting me as requested. So now, even though they state you can cancel within 3 days, I don't have the money in my account to return it to them due to them not upholding their promise to have the money deposited the next day.
|
| 09/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am XXXX, over XXXX years old, and I live of $ XXXX/month in XXXX income. On XX/XX/2019 I acquired a {$300.00} payday loan. At the time of signing the loan, Because of unexpected medical expenses due to my XXXX I was unable to make the payments. I contacted Spotloan Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls and charged enormous fees which added up to {$720.00}, as of today. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX in their area, also without success. I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me.
|
| 03/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
In XXXX I applied for a Payday loan with XXXX in the amount of {$500.00} at a 390 % APR. At the time was unaware that in NJ paydays were not legal due to usury limitations.
In XX/XX/XXXX I submitted a complaint with CFPB - complaint # XXXX since the loan had been sold to a third party debt collector who offered information that was inaccurate along with negative FCC reporting.
XXXX did respond to the complaint, and stated they were undertaking to but back the loan, and once XXXX received ownership of the debt XXXX would forgive the debt and settle account in full.
However, I have received a document from WRA ( XXXX XXXX XXXX XXXX XXXX ) stating I owe {$500.00} from the original creditor being XXXX with a balance of {$500.00}. Also, they have labeled this debt as an EDUCATION LOAN. This is not only misrepresenting the debt .. it is also an inaccurate amount.
I would appreciate clarification in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
|
| 03/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX, my brother informed me that he received a very harassing call from a legal group about a lawsuit against me ( please note that I have never given my brother 's information as a reference to anyone ). I called the number - XXXX XXXX XXXX XXXX - and spoke to a gentleman with XXXX XXXX XXXX. He stated that he represents Spot Loan regarding an unpaid payday loan from XXXX. I said that they have never called me and he said that even though they have my phone number, they do not legally have to call me - they can call whoever they want to embarrass me ( his words exactly ). He stated that a letter was mailed to me in XXXX - I have never seen a letter - and that now legal action would be taken and they will contact my place of employment on XX/XX/XXXX to start garnishment of my wages. No other specifics about the loan were given other than it will now cost me more than {$2000.00} to resolve this. He was very rude and ended up yelling at me so I hung up on him.
|
| 06/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day.
I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from.
They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.
|
| 02/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
This company repeatedly called my employer. Today XX/XX/20 I got a note from my employer and was told that XXXX XXXX was very rude and told them that it was a legal matter and I could be going to court. I called them back at XXXX and asked who this was for. Spotloan. And he stated that I was going to be persuaded for theft by taking. I tried to tell him if I allegedly owed this loan, what's this about. He said a settlement or face going to court. That they were calling for XXXX XXXX to try to come to an agreement. And asked what I could offer on a XXXX dollar bill. I said XXXX. He said let me check. Then this supervisor came on with this I don't care what you do either pay or go to court. I ended up agreeing to make payments and they made me attach a card number saying that if I didn't the offer would be void. I had told them I never received correspondence from spotloan and they said that's impossible and then told me it was in collection and I may have ignored it.
|
| 04/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I was trying to find a installment loan and that is what they said that they were when talking with them on phone not a payday loan. they said XXXX was the payment amount and that is what I thought was the monthly payment for 6 months. I agreed over the phone and then I questioned after they had taken XXXX from my checking account and that is when they send me their agreement that was for over a year and it showed I still owed almost the whole amount. I sent them an email which I will attach telling them to stop taking out of my account that the loan had been paid plus interest and if they did not send me notification that they closed my account I was revoking authority for them to take money from my account. I have not heard anything from them since last week and do n't know if they will still take money from my account on Friday the XXXX or not so I am filing a complaint. They are not licensed in Michigan and they say they do n't have to be which is not correct.
|
| 06/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/XXXX in the amount of {$800.00}. They have debited {$130.00} twice a month from that date until late XXXX or early XXXX XXXX, at which time, they raised my payments to {$150.00} every other Thursday. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I had n't intended to pay so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
|
| 04/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Applied for loan through Spotloan totaling XXXX after applying for the loan and receiving the loan. I noticed that the pay back of the loan was more than the loan which is over 460 % interest which equals XXXX which is over XXXX more to pay in full. The amount for each payment is XXXX now it is XXXX for 6 months to pay back a XXXX loan. I placed a stop payment on my bank account that would block them taking money due to that would take a majority of my VA XXXX. I have been receiving emails constantly demanding the first payment starting in XXXX of 2021 and on XX/XX/2021 i contacted them to resolve by paying a lesser amount that would at the end of the six months XXXX to them but they couldn't do that do to interest of 460 % was occuring. I sent a copy of a survey i was ask of them and they responded i could get a better APR but they will not honor that now i am faced with a huge problem that i tried professional and honorably to pay back but they refuse.
|
| 09/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago.
They lie and say my husband setup a payment arrangement, which I know is not true.
These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.
|
| 10/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.
|
| 01/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Received a call from a XXXX Delaware number ( XXXX ) XXXX, first they called on my house phone which I did not answer, then they called my cell I answer and they guy was saying that I owe {$600.00} plus on a loan from XXXX and saw that I was making payments on the loan in 2015. I said ok well I need to see this in writing to see the amount of the loan, he said he can't send that to me because they have been before and I have not received anything from them in years. So then he said its turned over to litigation and they will pursue legal actions towards me and I stated well I need validation in writing about this loan that they say I owe and I know I don't owe that much if I had been making the payments on the loan. So then he kept talking asking what made me fall behind and I just hung up the phone and he called me right back but I did not answer, I did ask for a validation letter and was told it's too late for them to send.
|
| 08/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hello!
To whom this concerns, I applied for and received a loan in the amount of {$800.00} from " SpotLoan '', a financial agency located in North Dakota, on XX/XX/18. In doing so, I was sincerely unaware of their APR and other fees associated with this loan. To date, over {$1600.00} dollars has been collected from Spotloan, from my checking account, bi-weekly. I put a stop payment on my checking account, in an effort to assess just why SpotLoan had been collecting more than I had originally understood to be collected. In summation, more than ENTIRE AMOUNT BORROWED had been re-couped from SpotLoan. THAT in ITSELF would be unjust and unethical. I would like to assistance in handling this loan, and to see if CFPB would be willing to settle on my behalf. To me, collecting the same amount in interest as the original principal amount would fall under " unfair business practices ''. Thank you for any and all help. Please contact.
|
| 04/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Georgia State Information Legal Status : Prohibited Citation : Ga. Code Ann . 16-17-1 et seq.
Small Loan Rate Cap ( Industrial Loan Act ) 60 % per year usury cap This company charge way to much interest on their loans. I borrowed {$300.00} on XX/XX/2018 and have since payed that sum back plus more.
XXXX XXXX XXXX XXXX is a law firm out of California that is investigating this company. This is what was said about XXXX from this law firm, " XXXX is an internet payday/installment lender that is issuing loans with interest rates that well exceed Californias limits. XXXX tries to avoid following Californias interest rate limits by purporting to be affiliated with a XXXX XXXX XXXX, even though our investigation indicates the XXXX does not control nor operate the lender. We believe this is wrong '' ( Cited from : XXXX XXXX XXXX ).
I can't continue to pay the {$59.00} every 2 weeks that are ACH out of my paycheck.
|
| 01/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was approved for a payday loan with blue chip financial/XXXX XXXX..InXX/XX/XXXX for XXXX dollars.. This company violated section 3-3 ( a ) of the payday loan reform act in the state of Illinois which clearly states for a business to act as a payday lender in the state of Illinois, this business must be licensed with the department of financial and professional regulation which this company is not. XXXX further violated section 1 of the payday loan reform act by offering, making or arranging payday loans to consumers to state of Illinois without obtaining a nd applying for the required license by the Illinois department of professional regulation therefore making this loan illegal in the state of Illinois.This company further violated a cease and desist order which was issued on XX/XX/XXXX which states the spotloan will cease and desist collecting on any payday loans given to consumers on or afterXX/XX/XXXX
|
| 10/21/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Servicemember |
|
I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ...
Thank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements.
Our hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you.
Spotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX
|
| 08/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XX/XX/2021 I received a call from XXXX XXXX XXXX said owe for pay loan that I did not apply for and I and the Supervisor with XXXX XXXX XXXX call my bank to verify the account that use to receive the cash for {$800.00} was confirm that account was not in my name and that alert me to check my credit report and found there is another loan with Spot Loan that someone applied for XX/XX/2021 and cash was funded on XX/XX/2021 for {$800.00}, the same date this person applied for a with XXXX XXXX XXXX. I am filing fraud against Spot Loan and I never sign a contract with Spot Loan that day and they sent me a letter indicating the information on file matches my information. I have disputed with XXXX XXXX with an alias name I found listed on the credit report. O also was advise by Spot Loan to file fraud with FTC. I am in the process of filing another against Spot Loan and phone number that is indicated XXXX.
|
| 09/07/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a loan from Spotloan in the amount of {$300.00}. On their website it says that it 's cheaper than doing a payday loan so I thought oh that 's great and then signed up. A month later when I was expected to pay, I asked how much it would be with the interest and they told me {$450.00}. {$150.00} in interest for a month??? There 's no way I can pay that. I 'm on a limited income. That {$150.00} would mean I ca n't pay for electricity or groceries for my family. I feel like this is very misleading of them to say it 's cheaper than a payday loan. A payday loan would 've charged me {$45.00}, not {$150.00}. So I explained to the company, both by email and on the phone that I could n't pay it and I was n't sure what the next step was. Since then I 've gotten phone calls at least twice a day and they keep trying to withdraw money from my bank account which creates {$32.00} fees for me each time.
|
| 03/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
On XX/XX/XXXX a loan was granted in my name. I never applied for a loan aor any loan for that matter with this company. However, they have contacted me by phone and email trying to collect payment from me on XX/XX/2020. I returned their calls, but alas, they do not have voicemail. I wrote them a kind letter stating that I did not apply for a loan with them. They sent me documents that ask for my personal info, including my bank account info ... red flags there ... I have yet to reply or fill anything out pertaining to this. They say that I am a victim of fraud, and I need to pay the loan regardless. The loan amount is for XXXX.
I have not signed any documents, or provided them with any of my financial information.
It really sounds like they are fishing for my personal info ... ..
The Company /Loan provider is Spotloan They have not provided me with any documents with my supposed signature ...
|
| 04/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
When I initially agreed to the loan, my understanding was that the monthly payment would be a lesser amount. However, when they emailed me the amount due each month, it doubled. Also, the total amount due on the loan equals out to be approximately four times the amount that I would owe. I borrowed {$600.00} and now I owe over {$2000.00}. I called to try to get the payment divided up to a lesser amount, but they advised me that I should stay with the contracted amount originally submitted to me. I am on Social Security XXXX, and at the present time, I am struggling financially to get this debt under control. Basically it has become a hardship for my house hold. Instead of a {$600.00} asset, it has become a burden. I have since been diagnosed with Multiple XXXX XXXX ( XXXX XXXX XXXX ). The cost of the medication that has been prescribed for me is somewhat expensive, but I need to take it.
|
| 01/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court.
|
| 10/13/2016 |
Yes |
|
|
|
Web |
|
|
I applied for XXXX payday loans for which I was approved. But after given the situation more thought, I decided not to take either loan. Since then, I have been receiving several unknown phone calls stating that I have several claims against me with threat of legal actions. As I know that there are no claims against me - legal of otherwise - I did not give any credence to that information. What concerned me was that the person had part of social security number. I believe that this information could have only come from the information I input on those XXXX applications. The person would not identify herself or who she represented, but insisted that I verify my social security number. After stating to her many times that her claims were false, the person hung up the phone. A trace on the phone number ( XXXX ) yielded no results so I can not state the entity that called.
|
| 06/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted about debt that I owed toward an old payday loan. Initially, I was told that a suit would be filed against me in the county I live in. I contacted XXXX XXXX XXXX, who told said they had tried to send me a written notice, but it was to an address I haven't lived at in several years.
They emailed a Dunning notice to me. I had already reached out to Spotloan, which is the company I had taken the payday loan from several years ago, to verify my account information. The account number they gave me didn't match the original account number listed on the Dunning notice from XXXX XXXX XXXX.
I attempted to mail a letter of verification to the PO box listed on the Dunning notice ( XXXX XXXX XXXX, XXXX, NY ), but received notice from the USPS that the letter couldn't be delivered because the address is vacant. This is also the address listed on their website.
|
| 08/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.
|
| 03/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I have received threading phone calls at work and home from a XXXX XXXX about a payday loan. That was paid in full from a debt collection agency. Ms. XXXX told me she worked with XXXX XXXX who was an attorney. Her number is ( XXXX ) XXXX. I forwarded the proof of the account being paid in full and she told me that it was fraudulent. I could have more than one account taken out. She went back and forth with me on email and Called me back when I refused to give her any more information. She hung up on me and when I called her back from another number she answered with a different greeting. The email is XXXX and the email came from another person named XXXX XXXX. She called my phone and hung up when I told her to proceed with serving me papers. There was no signature on her email and she wouldnt tell me that she worked for XXXX XXXX just attorney XXXX XXXX.
|
| 05/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I took out a {$300.00} dollar loan in XX/XX/XXXX. I did not know at the Time that I was going to have to pay back more than {$1000.00} on this loan. I also did not get the information that I would have to pay {$58.00} every 2 weeks until after the loan was processed. I can pay this I never would have done this is I would have known my payments were so much.
This company also has harrassed me continually with emails phone calls and text messages with offers for more loans. I have asked them several times to stop this yet it continues every single day. They also shared my information with other company 's so I now get there communications every day. This company is very predatory and it did not provide me with full disclosure when I got my loan. They should be penalized for the way they act and for the continuing text, calls and emails I am still getting.
|
| 07/14/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
|
| 05/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
On XXXX/XXXX/XX/XX/2015, at XXXX XXXX PST, I received a voice mail from XXXX XXXX with XXXX XXXX at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''.
When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in New York. It would appear that there was no real intent to sue at the time I was told this.
Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.
|
| 03/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
A lawyer from a law firm called XXXXXXXX XXXX XXXXXXXX reached out to me stating that I owed them for a loan that was taken out with a company called Spotloan. They stated that they acquired the loan and we seeking repayment. I reached out to Spotloan, to the investigation division, and explained to them that a lawyer reached out to me seeking repayment for a loan that I had with them. The investigator that I spoke with stated that the loan I had with Spotloan was repurchased by Spotloan and that the account was closed and was placed at a zero balance. Furthermore, they informed me that if anyone is trying to collect on the loan they are scammers and thst there is nothing to collect on this account. XXXXXXXX XXXX XXXX has repeatedly had someone reach out to me stating that I will be served with legal papers to collect on a debt that is no longer good.
|
| 02/23/2016 |
No |
|
|
|
Web |
Servicemember |
|
Advertisement from lender below / Waving balance of loan for on time payments ... .Various Text Messages Received I fwd e-mails following up to lender as well additionally called but they do n't reply.
This appears/apparently to be a scheme to continue monthly payments.
Most recent i called to speak with a manger about the matter. The gentleman claims to be be a relationship manger stated he would have a manager call he knew nothing about the text. It have not happened of yet. Today I received a e-mail from : XXXX Relationship Manager.. I called immediately and they claim she was not in to review the matter.
Text received : ( Spotloan ) Nice job making your 2nd payment! If you make the next 2 payments, you may get the rest of the loan forgiven! Reply STOP to opt out of texts.
Reply - Wow cool!!!
All Text and e-mails are saved for review.
|
| 03/15/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am self employed and I started having health problems and still am to this day under several doctors care. I lost my income and i wasnt able to pay the monthly installments. I tried to work out something else and they refused. Kept calling with threats. Today i get a call claiming it was a courier trying to deliver a letter thaf i had to sign. then called friends and relatives. I called back to see what they were talking about and the guy said i owed XXXX dollars on a XXXX dollar loan. I said really do you think I got that kind of money. He said he wasnt going to argue with me. he threating to take me to court. i told him that was predatory lending and the amount was ridiculous. He keep gettin smart so i hung up. then a few minutes later he called back. my number is on the do not call list but they keep calling. The company is Spotloan
|
| 11/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2018, I was issued a loan from XXXX for {$600.00}. To date, I have paid {$620.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. XXXX states I still owe {$160.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$620.00} which has already cleared, to collect another {$160.00} from me would mean XXXX will receive {$790.00} on a {$600.00} loan. This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. I will pay a final payment of {$75.00} on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.
|
| 10/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX Support XXXX XXXX ( 2 hours ago ) to me This is an important message for XXXX. If you are not this person, please disregard and delete it.
Hello XXXX, Thank you for reaching out.
You currently have XXXX.
XXXXaccount has an outstanding balance of {$1300.00} with XXXX XXXX XXXX that defaulted on XX/XX/2017.
This account was originally from an online tribal lender and a separate complaint was made against XXXX dba Blue Chip Financial back in XX/XX/2017. Apparently, XXXX dba Blue Chip Financial sold the account to XXXX XXXX XXXX who never contacted me, and now the account was sold to XXXX XXXX.
I do not owe {$1300.00} and I originally discussed this with the original company who refused to acknowledge that they illegally engaged in payday loan practices with me living in California and they are a tribal lender.
|
| 04/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I entered to AGREEMENT XX/XX/XXXX. 3 month long. High interest trying to get money to bury my sister. They changed the lone from a 90 long to a 68 day lone and charged me interest ... I wrote them a long email and explained that I didn't agree to those terms. They put the money back in my account. Lost check returns etc ... got my stimulus money and after less then 30 days. They're charging me late fees for them illegally taking money out my account and tell me that I gave them permission to when I have documentation that I didn't. I've asked them time and time to send me documentation that I did and they say its online ... and yet they charged me nearly XXXX for a 90 day loan that at the most should have been XXXX plus the XXXX ... how's its XXXX for 20 days. On a 90 day loan I'm clueless how they came up with that
|
| 07/10/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I requested and received a {$400.00} payday loan from XXXX on XX/XX/XXXX. I lost my job on XX/XX/XXXX however I continued to make my payments of {$71.00}, twice per month as agreed because I could not do more to pay off the loan. I did notify them and they would not work with me to reduce interest or to stop interest charges. Although they did not argue that I could not make a payment XX/XX/XXXX, they are now charging me approximately {$130.00} per month with just a few dollars going toward the principal balance. I am still unemployed and not from a lack of diligently seeking employment. I have to borrow money to pay this loan! I have asked XXXX to work with me but they will not. To date, I have paid XXXX approximately {$630.00} and they told me that they would be charging me {$130.00} for another 8 months or so!
|
| 09/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Hello, I realize that your lending entities operate under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of 2 years I have paid {$9900.00} to your agencies in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me personally severe financial duress and potential eviction from my residence. Particularly during a global pandemic when millions of people are out of work and struggling to make ends meet this seems even more unfair and exploitive. It makes me very upset when I think about the XXXX of dollars I spent digging myself out of this trap, and I do not want it to happen to anyone else.
|
| 10/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I applied for a payday loan with Spot Loans Friday XX/XX/2021 & was approved for {$600.00}. The website states that if you apply, get approved, & sign your contact before XXXX CST youll receive your money on the same day by XXXX. I applied got approved & executed my contract all before XXXX. I called Spot Loans Friday evening & they told me I either didnt make the cut off time or I typed my banking info wrong. So I waited till today XX/XX/2021 & called Spot Loan & asked wheres my money.. They told me my banking account info was wrong my application was canceled & I had to reapply. Im like WHAT! & they proceeded to say the second try isnt guaranteed. I told them that this was not cool & I was going to file a complaint. Sure enough I applied just to see.. & I was denied! I want my money that I was approved for.
|
| 02/26/2016 |
No |
|
- Can't stop charges to bank account
|
|
Web |
Servicemember |
|
XXXX/XXXX/16 EFT-SPOTLOAN/8886816811 ( {$96.00} ) in connection to complaint made under Case number : XXXX ]. A requested was made for Spotloan to process full pymt of balance.
They draft only the minimum again. They used a method for me to believie they will waive the balance due as a good customer. It was a marketing tacit for monthly payments. I requested spotloan via e-mail to draft the full balance to have them stop drafting my account with interest and fees. This process only get them ungodly interest and fees not going towards the loan. The request was not process drafting only the min due. e-mail forward to : From : Help at Spotloan XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX XXXX " Request to post full balance of due ASAP, stop with the text procrastinating with the text. Process full payment due ''
|
| 04/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I applied for a {$300.00} loan on XX/XX/XXXX. I was sent a payment schedule to pay off the amount. However, my payment due was over {$1000.00}. I had no idea that my balance would be that much. I only recall making one payment because I was in between jobs. On Thursday XX/XX/XXXX I spoke to XXXX XXXX who told me that my remaining balance is now in her hands, She told me that I would have to pay a balance of {$700.00}, I told her that I don't have the money to pay and I wouldn't have it for another week but I just lost my job. I am not able to pay the entire {$700.00}. I can only afford to pay the amount of {$300.00} which is the amount that I borrowed and they are not trying to work with me at understanding my financial hardship. This company has several complaints against them through the XXXX XXXX XXXX.
|
| 09/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called Spot loan that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
|
| 08/06/2015 |
Yes |
|
- Can't stop charges to bank account
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Web |
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I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney.
Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation.
Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.
|
| 04/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on XXXX but they said it had to be in XXXX . Someone from XXXX called and blocked their # and said call XXXX , they were with XXXX County and were going to serve me with papers tomorrow between XXXX and XXXX and I must have a valid government issued ID. I called XXXX County Court s ( Civil and Circuit ) and a sked if they had any cases with my name, they both said no. I called the XXXX number and asked who it was they said XXXX , I asked why there were representing themselves as XXXX County and they said they were retained by Spot Loan but now the case has left their office and I better pay Spot Loan before they take further legal action. I 'm sure I have paid them way more then the original principle.
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| 09/28/2016 |
Yes |
|
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|
Web |
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I got a loan through spotloan and paid them almost triple what I owned. I called and said how come my bill goes up every month even though I made payments to no answer was given. I told them I 'm done paying cause it 's not right to charge false fees and then found out it was illegal for them to operate in washington state and they still tried to collect and even sold my loan off. No after paying almost XXXX grand they want another XXXX for a XXXX dollar loan. This is extortion and flat of theft. I want them to leave me alone and realize the state of Washington does not recognize them as a legit buisness and per RCW law it is illegal to collect. I was honest and paid back what was owed but it was never enough for them. I 'm done trying to be bullied and harrased into paying more
|
| 07/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please.
I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling
|
| 03/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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This predatory lending company issued me an {$800.00} loan. After making several payments and paying it down, I was having a financially difficult time and tried to work with spotloan l. However, they threatened to put down I was refusing to pay. This was in I believe XXXX. Today, XX/XX/XXXX, my mother received a text from this company with a link, my account reference number, and the zip code in association with the account. These are the only things required to get into the account. Meaning, had my mom changed her number, someone would have full access to my account. Today my loan stands at {$1200.00}. I in no way can afford this, and to say paying these awful people back is the bottom of my life priority list, would be an understatement. Any help is appreciated.
|
| 03/30/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
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Company contacted me at XXXX ( XXXX XXXX ) on XX/XX/2022. Screenshots of voicemail are attached. They again contacted me today, XX/XX/2022 at XXXX ( XXXX XXXX ).
This company is also being deceptive as the representative initially told me that I was not a part of a class action lawsuit, which I was and confirmed therefore this debt should have been cleared out. I was a part of the class action lawsuit Case XXXX, in the United States District Court for the XXXX XXXX of Virginia , against BlueChip Financial dba Spotloan and do not owe a current balance as you falsely stated. They lied in order to have me setup a payment arrangement, which I canceled as soon a I validated that I was in fact a part of the lawuit. They threatened legal action several times.
|
| 05/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX XXXX XXXX has been trying to collect a debt from Spot Loan ( original creditor ). They are also reporting this collection on my XXXX report. I've asked them to remove this debt numerous times and they have refused.
Spot Loan just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from XXXX XXXX XXXX that they will not try to resell this invalid collection debt to another company.
Thank you
|
| 08/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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|
Web |
Older American |
|
XX/XX/XXXX, I was contacted by SpotLoan about {$800.00} dollar loan. I verbally said yes. In haste I did n't understand how high the interest was.
The percentage on repaying is 228 %. Sine XX/XX/XXXX, I have paid the {$800.00}. But now I will be paying {$40000.00} until XX/XX/XXXX.
I receive XXXX in the amount of {$1200.00} per month. I receive SNAP in the amount of {$16.00}. My rent {$560.00} per which includes some electric and cable.
As of XX/XX/XXXX I a paying the high interest, which I can not pay. Due to the low amount of food stamps, I used part of my XXXX, for food, medicine, and supplies.
Plainly, I can not afford to pay {$400.00} until XX/XX/XXXX!
Can you please help me?? .y Controller of Maryland told me to contact your group.
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| 11/06/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX.
|
| 10/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
My daughter was contacted by XXXX XXXX of XXXX XXXX, XXXX claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX
|
| 07/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
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I obtained an {$800.00} XXXX XXXX XXXX loan from Spotloan in XXXX of XXXX. The terms of the loan were ; I was to pay {$140.00} bi-weekly for 10 months, and payments were automatically drafted from my checking account. However, I'm still being charged. I contacted the company and asked why? I was told I missed a payment and it extended my loan until XXXX of XXXX. I was also told they " tried '' to contact me, but couldn't. Yet I did speak with a representative who informed me I could refinance and borrow more money, which I declined. I authorized a payment be drafted from my bank account and believed I was current. I was not, and they have been charging me interest daily. My current balance is {$640.00} after paying {$280.00} for 11 months.
|
| 11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
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A letter was written to Spotloan stating my hardship and inability to maintain terms of usurious loan. Original loan amount was for {$800.00} As of XX/XX/2019 I wrote spot loan letting them know my hardship and I had paid the full Principle of the Loan plus an additional XXXX XXXX
This company changed the name of their company in order to attempt to debit my XXXX XXXX checking account despite me informing them they were no longer authorized to debit my account. I had a large unforeseen medical expense and am at risk for being evicted from my home so im unable to maintain paying back the interest on this loan that was at an usurious rate of 460 % which I have been now informed thru credit counseling is over the legal allowed interest.
|
| 02/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a loan on or about XX/XX/18 in the amount of XXXX dollars. I have been making bi weekly payments on it on my due date in the amount of XXXX. I asked to skip 1 payment and I was granted it. Then I asked for a payoff amount on XX/XX/18 which resulted in the amount of XXXX. That is a ton of money given that I have been making payments on this since XXXX. I feel as if my amount requested and the amount I have been paying has not made a dent in the my loan. I am underwater here and trying to make it work out. I don't believe it is right for them to have to charge me such a high finance rate and almost triple the amount owed if I make the correct amount of payments on it. I can not find my loan number on my agreement either.
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Someone contacted me today at work 3 times attempting to collect a debt for Spot Loan. The name of the company was either XXXX or XXXX. The first number they called from was XXXX, and they did not identify themselves ; they just started asking questions. I hung up. 5 minutes later this someone else called from an unlisted number but I could not pick up. The third time I did pick up and I was threaten with a lawsuit if I did n't pay. I do not owe Spot Loan any money, Spot Loan is not licensed and therefore illegal in my state of TX, and I want all communication from Spot Loan and their collectors to cease immediately. I have can not take personal calls at work and do not wish to receive any call from them going forward.
|
| 06/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I took a payday loan out and have been unable to pay it back, received several harassing phone calls. Received phone call just now XXXX XXXX 2017 and they told me they were suing me for wire fraud and were coming to serve me at my place of employment. I called the phone number XXXX for the offices of XXXX XXXX and XXXX and spoke to a gentleman who stated they had an affidavit from my bank that I had falsely obtained funds via bank wire. He asked me when they could serve me the paperwork and I said I would be off at XXXX . He then asked me if I wanted to resolve this debt on the phone right now and I told him I wanted to see the paperwork first. He then told me they were coming to arrest me right now.
|
| 07/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a couple of payday loans with Spotloan due to being in a pinch, I intended to pay them off but I was in several positions where I was terminated from my employment leading to being evicted and losing my car.
I explained to them SEVERAL TIMES that I can not even pay XXXX XXXXXXXX dollars and that I am FLAT broke. I complained to the XXXX and ALL THEY could do was payments of {$85.00}. I simply TOLD ALL of them I CAN NOT PAY.
They say that can not forgive the debt, however I have had other companies forgive my debts due to my situation and asked no questions.
I have already provided them with documentation of hardship.
Thank you for your attention and understanding towards this matter.
XXXX XXXX
|
| 11/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I called Spot Loan on the XXXX of XXXX at XXXX and spoke to the company representative, XXXX. I explained that I had joined the military and am now XXXX XXXX, and wanted to invoke my SCRA rights of lowering the interest rate to the XXXX XXXX cap. I also requested for the interest rate to be backdated to the date I joined the military, XX/XX/2022, and to be repaid for the payments made since then.
He placed me on hold, and then transferred me to the floor manager, XXXX, at XXXX. XXXX said that they can not change the percentage rate @ XXXX XXXX interest, and that there was still a balance due according to the original payment agreement. He refused to lower the rate, and to extinguish the remaining balance.
|
| 03/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I took a payday loan out and was paying back on time on a regular basis. About 2 or 3 months ago I switched banks, I called them and asked to have the debt deductions taken out of new bank. They said it was to late for the next payment, but could after that. I tried to explain to them that I will get a charge because that account was closed. Was getting nowhere with the person I was talking to, so I asked to talk to a supervisor-he kept stating that the supervisor would tell me the same thing. Over and over this went over probably ten times, he didnt seem like he would transfer me, so I hung up. After that expierence dicided not to even try to deal with them anymore. I'm getting calls and emails from them.
|
| 04/06/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.
|
| 01/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
On XX/XX/2021 I received an email indicating that a loan application with Spotloan using my information had been denied.
I responded to the email that I had not applied for a loan, and was told by Spotloan that someone had done so using my information. I asked them to void the application and remove any inquiries on my credit report, but they refused to do so unless I gave them personal information and " proved '' that I did not apply for the loan.
The company has so far refused to provide any information about the loan, and what information was used to apply for it. They have also refused to void the application, saying that unless I proved to them that I didn't apply, they will assume that I did.
|
| 10/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.
|
| 01/06/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a {$800.00} loan on XX/XX/XXXX from XXXX XXXX online. I did received the money. I have made XXXX payments at {$140.00} beginning XX/XX/XXXX, thru XX/XX/XXXX for a total of {$1000.00} with a principal balance left at {$910.00}. I had to get an extension for the XX/XX/XXXX payment which is causing the interest of the loan to accrued daily. I wasnt aware the interest rate is 490 % more than my state of Louisiana would allowed on a payday loan. Also, I didnt know the company is governor by an XXXX tribal. They will offer an extension on the loan but you will regret it in the loan run. You will have to make XXXX payments at XXXX time instead of put the loan at the end of the loan.
|
| 02/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Got a loan threw XXXX XXXX and the I got laid off at work I called tryed to work something out so they didn't want to help me so I stopped paying it now I get call all day with threats I'm goin to jail and I got warrants and loan was for XXXX now they trying to make me pay over thousand dollars my family gets all the calls to and threat my parents with about me going to Jail that they r goin to have investigator go to my work it stress me out so much I always feel sick and worried that someone going to show up to my work I got like 6 other loan company doin the same thing I can't remember there names or phone number I get loan calls all day it's like being harrassed it's embarrassing
|
| 11/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from XXXX XXXX XXXX called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
|
| 08/02/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I do n't know how much they are charging in fees because the debt collector wo n't mail me a statement. He says he needs a payment arrangement before he sends me anything in the mail. When he called me, for the second time at work, and I answered him for the first time, he accused me of having a blaze ' attitude and shamed me for ignoring him. He was very unprofessional. When I requested he mail a statement, he said he could n't do that unless I gave him a debit card. I just want something to be sent to me in the mail. He scolded me for not calling him, and I told him I only respond to letters when collections are involved, but no one has ever sent me anything from his company.
|
| 11/20/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account.
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I went online, asked to make my payment for a different amount per their website tool, and asked to pay off the loan. They took {$1400.00} which was the quote to pay this off. They also took an additional {$220.00} which was my usual payment. When I called, I was told that the payment was already processing and there was nothing they could do. They refused to refund this amount or even look further into the issue and again stated that payment was already processing. When I asked to speak to a supervisor i was told " you can but they will tell you the same thing, it was already in process and we can not stop it or refund it ''. I have emailed and not received a response.
|
| 06/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received multiple phone calls from someone named XXXX XXXX and XXXX XXXX from the " Legal Department at XXXX XXXX '' debt collection agency. I later discovered that this is a fraudulent company who has called under other company names such as " XXXX XXXX XXXX XXXX Department and XXXX XXXX XXXX Department ''. They have called me from multiple numbers ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I was informed that they would contact my job to have my wages garnished and contact my local county courthouse to pursue an out of court settlement. I have been harassed to a point of distress. I have requested for them to stop contacting me, but they have continued to do so.
|
| 05/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have been receiving harassing phone calls from the following phone numbers : XXXX and XXXX. The person calling says, Im XXXX XXXX and we have received a complaint in your name and social security number with our department. This person does not disclose the name of the company he works for but I did manage to find out who they are collecting for Spot Loan. I have used Spot Loan and Im all paid up with them. I do have a new loan out with them currently which I am current with as we speak. I have been scammed out of a lot of money in the past! Is there anything else I can be doing besides sending in complaints? I have blocked the 2 phone numbers mentioned above?
|
| 11/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I told them not to contact me at work and the still calling me and this time the told receptionist that i got a called ftom the XXXX XXXX sheriff 's dep, so i answered the called and it was a debt collector from XXXX, saying that if i don't, pay i will be arrested at my job, i told them that is a process, that i haven't received any court paper to go to court, then they start saying they will start a garnishment from my salary, n then i asked for badge number, then they said the are not police officer, now they admit the are from XXXX.i told them any paper work they can send mecto my address, they got upset then they said they will any paper work to my job
|
| 08/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
On XX/XX/XXXX I filed a complaint against XXXX as I was reciving threatning calls from the debt company they sold my supposed debt to. I was contacted by XXXX on XX/XX/XXXX by XXXX XXXX a debt credit manager stating they were in the process of buying the debt back and marking it as paid in full, I still have all emails. Here we are XX/XX/XXXX and I just recived a email from XXXX XXXX XXXX XXXX stating I must pay half of the orgional debt of XXXX. Now spotloan has told me multiple times this account is marked paid in full and closed. But yet they tend to try and sell my loan every few years now. This is harassment and is affecting my life at work and home.
|
| 05/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I borrowed {$600.00} from spotloan around XXXX time of XXXX. After receiving the {$600.00} from spotloan the interest went up tremendously and spotloan wanted me to the in XXXX months. Each month the payment was {$280.00} and when I asked the spotloan people they told me that the interest rate was 400 %. I asked how come that borrowed {$600.00} and now I have over {$2000.00} dollars for this loan?. There was no explanation what so ever. The money was taken from my account XXXX times and I didn't get any explanation, I stopped the payment because I believe that I have already paid. Please help to stop this kind of illegal practice from this company.
I
|
| 08/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.
|
| 05/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
It has come to my attention that payday/internet lenders must be licensed by the state of Pennsylvania in order to offer loans to its residents. Since this company has no license in my state, the loan contract I have is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan, plus 6 % interest, which is the maximum allowed by Pennsylvani a Law. I received a deposit of {$800.00} on XXXX / XXXX / XXXX . From XXXX / XXXX / XXXX to XXXX / XXXX / XXXX , I have paid a total of {$950.00}. Based on the above mentioned P A State Law, the principal plus 6 % would be {$840.00}.
|
| 04/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.
|
| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I took out a loan with Spotloan a few months back and I have paid nearly all of what I took out yet due to interest I owe more. However due to harrassment issues and poor service I was offered a settlement which has several small payments set up unfortunately yesterday I simply called to make sure the right bank account was as being used for payment and the agent I spoke with was acting like I didnt have a settlement or any payments set up and suggested I talk to a third party and or power of attorney which is for someone who died! I sent a complaint via email and havent been responded to or contacted by phone due to this matter
|
| 12/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a loan from XXXX ( owned by BlueChip Financial ) in XXXX 2017 of {$300.00}. I did n't realize at the time that I was signing up for a loan with such an absurd APR and payment terms of 10 months. I have paid a total of {$730.00} against my borrowed {$300.00}. Of that total amount paid, only {$49.00} was applied to the principal balance, while the remaining {$680.00} went towards the interest fees. I have also recently learned that XXXX is a tribal lender, which is illegal in the state in which I reside, Missouri. Neither BlueChip nor XXXX are licensed lenders in my state, so the contract I signed is null and void.
|
| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have received an email from this company/organization on XX/XX/XXXX ( yesterday ) detailing me I have not fully paid the balance due on my loan. I have not done business with Spotloan since XX/XX/XXXX and the last payday I did receive was paid in full. I have not received anything since then even in XXXX I had a balance. The amount the company is asking is {$1500.00} which is excessive and after researching the company I see highly unusual results of a rip-off and predatory lending results. I dont know why now Im receiving an email and not in XXXX telling me of a debt Im not fond of. I have attached photos for review.
|
| 01/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
A Company called XXXX, XXXX, and XXXX called saying they are collecting a debt. I wrote the name and said I will have to look it up they slammed down the phone. I called back after calling the XXXX XXXX XXXX and found out they were bad news I called back. They threatened to call my job and file papers. When I said go ahead and file papers and don't call they said they would keep calling and they would call my job. They were very rude. So I actually called back after the slammed the phone down asking if they were a scam city.
XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/15/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I undertook a loan online from Spotloan in XX/XX/XXXX. Unfortunately, due to unforseen circumstances I fell behind in payments in XX/XX/XXXX, at this point I realised that I had paid a huge amount to Spotloan in payment of the loan ... ..to date, a total of {$990.00} on a {$500.00} loan. Looking i to this, I have realised that I was hooked into a an interest payment in excess of 400 %. On further research I found this company is not liscenced in California and their interest rates violate the California Usury laws. In addition, they have been robo-calling my cell phone several times a day, which in otself is illegal.
|
| 07/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Besides the annual interest rate being outrageous at 460 % on {$500.00} and requiring nearly {$2000.00} paid back, there was additional nearly {$300.00} added on in interest for a deferred payment.
When request made to get payment schedule the email indicated that the loan payments were up to XX/XX/XXXX ; however told otherwise when questioned about the payment taken today.
I don't feel that this loan was fair from the beginning now that I know that payday loans are not " legal '' in the State of Maryland and that the interest rate is not suppose to be more than 33 % annually on a loan less than {$2000.00}.
|
| 08/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, I requested a validation letter regarding the alleged debt. I have not received the letter. They continue to send me a payment plan.
On XX/XX/XXXX, I contacted the original copy of the alleged debt and they informed me that the debt was sold to a different company than the one I continue to receive calls from.
On XX/XX/XXXX, I sent letter via email to the company requesting a validation letter showing that they now owned the alleged debt or was a representative of the company that owns the debt. They continue to refuse and argue that they are going to garnish my wages or take me to civil court.
|
| 03/02/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing.
Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.
|
| 09/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have been getting daily recorded phone calls from XXXX XXXX XXXX.
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job.
They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number.
I have these voice messages saved.
The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
The loan was funded and I was under the assumption that the payments would be monthly but they were taken on my payday. The money was always taken in the morning, prior to my pay being funded, therefore, causing an overdraft! The next day or a few hours, the company returns the payment causing me higher interest fees. This was done twice before I called the company and asked for an explanation. None of the CSR 's could give me a satisfactory answer, therefore, my financial institution has a " DO NOT PAY '' for this merchant.
I want to pay this loan off, but the company has fees 400 %, which is " Crazy ''!
|
| 01/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
YOUR COMPLAINT I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.
|
| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a loan with spotloan on XX/XX/XXXX the loan was for {$800.00} and the payments were bi weekly for {$140.00} in total I was able to make 8 payments. I reached out to do a payment plan of 10 bi weekly payments of {$90.00}. In total I was able to make 4 out of 10 payments. I am struggling to make ends meet I am so XXXX XXXX fixed income and I am barely making it I have bills and utilities that I pay monthly and it is causing me to be very tigh with finances and I would like to settle the account for the payments I have made towards this loan and close the account and have the debt forgiven.
|
| 09/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
In XX/XX/XXXX applied for pay loan from Spot Loan for {$600.00}, on XX/XX/XXXX tried to make arrangements to pay loan off completely to stop incurring more interest. I have made five payments, all the payments went to interest. On XX/XX/XXXX the principal amount of loan was {$570.00} but on XX/XX/XXXX I was told the buy out would be approximately {$630.00}. I ask for explanation the supervisor stated the loan incurs interest daily of 400 % and if make payment arrangements the loan still will incur interest. After speaking with company my online access to account was removed and stated unavailable.
|
| 07/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I took out a Spot Loan in XXXX XXXX. The loan amount was {$800.00}. I received a payment schedule detailing that the loan would be completed in XXXX XXXX, XXXX. Looking at my online account balance I still show {$610.00}. My " scheduled '' last payment is on XXXX XXXX and I 'm not even close to paying out this loan.
I sent an email to Spot Loan for a copy of the terms and conditions of my loan and have yet to get a response. In my opinion, I have already paid more than the loan principle plus the interest. According to the payment schedule, I have already paid {$2100.00} in interest and fees.
|
| 10/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There was an spotloan account opened underr my personal identification. I have never intitiated an account with spotloan and XXXX keeps trying to force me to pay on an account that was opened in my name but it isn't mine. I don't have a XXXX account. Nor have i had one and got a spotloan account. I never requested a loan from spotloan. XXXX bought a account from spotloan. XXXX can contact XXXX if they want but i never opened a account and requested a spotloan. This needs to be removed immediately. XXXX will not tall ro me about a non existent account. Feel free to contact XXXX.
|
| 04/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a pay day loan with XXXX in XX/XX/XXXX, for the amount of {$800.00}. The interest of the loan is 490 % These are the payments I have made thus far ( automatic payments made from my checking account ) : XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} Total amount : {$1300.00} I have checked their online website and there is no record of payments made. Also it does not show the amount getting lower.
I feel the terms were misleading and I have paid the sufficient amount to cover the interest and initial amount {$800.00}.
|
| 10/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXX XXXX phone number XXXX.
Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is Social Security XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to XXXX XXXX. Spot loans number is ( XXXX ) XXXX. Attached is part of the second source of my income which is Social Security XXXX.
|
| 10/03/2016 |
Yes |
|
|
|
Web |
|
|
I have an {$800.00} payday loan from Spotloan c/o BlueChip Financial XXXX. XXXX XXXX XXXX, ND XXXX. They are taking {$160.00} directly from my checking account 2x per month XXXX. I have been trying to pay it off but have learned the company is no longer in business. They give another # to call when you call the and that company has no record of me or my account. They took out anther payment again today and it says debit from Spotloan. My issue is they are going to keep taking payments 2x per month until XXXX and there is no way for me to prevent it from happening.
|
| 07/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I borrowed XXXX in XX/XX/2018. I agreed to pay {$130.00} every 2 weeks with the understanding that my last payment would be XX/XX/2018 would be my last payment. They claim I missed a payment, but the fact is when I set up this loan they didn't tell me I couldnt use a prepaid debit card. Now they want to charge me 399 % for a missed payment. Which means I have to continue paying until XX/XX/2018. Also they are telling me they no longer service my state ( Maryland ). If I want to pay the loan off it would cost XXXX. They said the interest is compounded daily.
|
| 09/02/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
this is spotloan which is another predatory type loan sucks you in and cost way more then it should. I have already pay to date XXXX and still have at least XXXX payments leave. it sounds good at first because it is a low amount they take out every two weeks but it is not a good loan. can not pay back at one time so that is where they hurt you on the loan. they charge for there loans 450 % of loan with payments XXXX over lenth of time. can they do that. i now know better on these loans but at the time did not know and needed the money due to finance issues.
|
| 05/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Checked my rate online at XXXX for a payday loan of {$800.00}. It didn't show me a rate, but instead started a whole application. I was contacted by XXXX who had me send in a copy of my bank statement and license.
I didn't recieve a truth in lending disclosure at the time until the funds were sent. The APR is over 400 % and violates North Carolina laws.
Luckily, they said I had three days to cancel the loan, and I did so on XX/XX/XXXX by emailing my loan officer named XXXX.
I didn't get a response.
I would like to get this toxic loan canceled ASAP.
|
| 01/26/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
|
| 04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have been repeatedly contacted at my office which I. Stated I could not be contacted at. XXXX the individual tries to force me to verify personal info social dob etc. says unpaid balance from XXXX XXXX XXXX XXXX collecting for XXXX I send to send letter or contact alt number I would not give personal info. He then said he will contact my employer to have wages garnished. Fairly certain. This is illegal and not a legal payday company or in Florida. Not to mention debt collecting policy etc. these people harass and should be shut down
|
| 04/11/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally stressed me out the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
|
| 02/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I got into a loan agreement with Spotloan on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$800.00}. I was charged an interest rate of 460 % with 10 payments of {$260.00}. So far I have paid {$790.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$2600.00} on a {$800.00} loan.
|
| 12/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
|
| 09/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I applied for a loan on XX/XX/2018 due to a financial hardship. It was for {$800.00}. I've missed 3 payments and the interest rate is accruing daily. The total I owe is now up to {$1200.00}. I have discovered that online payday loans are illegal in Kentucky. I contacted the company regarding this and they stated I owe the principal but the interest that is accruing daily. I contacted the XXXX and the Department of Financial institutions in Kentucky. DFI submitted a cease and desist letter on my behalf.
|
| 12/01/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also.
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I got a loan from Spot Loan a few months ago and then lost my job, so ca n't make the monthly payments. For the past week I 've had a collection agency call me threatening to put me in jail saying the fact of Spot Loan not being able to ACH payments from my bank means I wrote a hot check. The call today was a lady saying I 'd be served on XX/XX/XXXX by who, I do n't know. I know my rights and they ca n't put me in jail for this. I 'm so tired of the calls that I 'll probably change my phone number.
|
| 07/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor.
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
|
| 10/07/2019 |
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
|
|
Web |
|
|
I took a loan thru spotlon.com and paid that loan in full on XX/XX/19 on the amount of {$740.00}.
On XX/XX/19 spot loan debited my checking account {$41.00}. I contacted spotloan and they acknowledged the debit was done in error and I would receive a refund. I have contacted them several times since and have been given the run around that my refund was being processed and they need to verify my mailing and email addresses. Ive verified them 3 times now and still have yet to receive a refund.
|
| 04/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.
|
| 03/23/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX is the collection company handling to collection. They called Tuesday both mine and my husbands phone. My husband returned their call and they discussed the debt and what is was going to take to fix it. My husband is not on the loan or my personal account. I spoke with them Wednesday about the fact that they discussed my personal info with my husband she informed me they are able to. She stated that I woild be served papers today if not paid and then garnishment would start soon after.
|
| 08/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money A loan provided to me by XXXX XXXX XXXX, funded XXXX2018 in the amount of {$600.00} was made at a significantly higher interest rate. I have also discovered that Spotloan is not licensed to make loans in the state of Georgia.
|
| 03/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.
|
| 11/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have come to understand that this company is not licenesed to make loans in the state of North Carolina. I am also under the impression that the interest rate that I am being charged is illegal under North Carolina usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that. I have been paying {$110.00} a month since XX/XX/XXXX on a {$300.00} loan. I would consider this paid in full plus reasonable interest. Thanks.
|
| 02/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
|
| 09/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took out a {$400.00} loan on XX/XX/2019. I started paying them back in XXXX, and have been paying XXXX bi weekly since. I have paid this company almost {$700.00} and they are claiming tribal immunity, also saying my balance is still XXXX. How is that even possible. I have also added my name to a class action investigation where the company is being investigated for fraudulent use of claiming to be a tribal owned company. I have lodged a complaint with the XXXX as well.
|
| 08/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A person called me claiming that were collecting a debt from XXXX and that they worked for a company called XXXX, which when I search it is a clothing company, and called from a number that when I searched it did not show a name of a company. The number is XXXX XXXX.
They threatened to serve with me lawsuit papers if I did not pay them the amount owed of {$820.00} today., They stated that they knew where I worked and what day I get paid.
Very threatening and abusive
|
| 02/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/2018 I took out a loan of XXXX. XXXX takes out XXXX dollars every 2 weeks. Upon trying to pay off the loan in XXXX, the payoff is only XXXX. In California the legal interest rate for a XXXX dollar payday loan is XXXX dollars. I have paid beyond that in interest. This is very illegal. My payoff should be less or completely paid off already.
I called in XXXX. No one called back. I sent out a email in XXXX and no response. I have sent out another in XXXX.
|
| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I communicated with Spotloan representatives on XX/XX/19, XX/XX/19 and XX/XX/19. I signed my multiple loan contracts with this company, and have paid past debts with overdraft. However, I was unable to do that for some reason this time, and now I am still collecting unemployment. I thought I could get a hardship break and have requested to have all interest and other fees removed. I am currently 65 days past due and after 90 days my account goes to collections.
|
| 01/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Borrowed {$300.00} from XXXX. Set up payments for {$56.00} bi weekly. First payment started XX/XX/XXXX ans last payment is scheduled for XX/XX/XXXX. I am a resident in Georgia which I thought was a state that prohibited payday loans. So I should not have been distributed this loan or the interest should be capped at a certain amount. I dont feel like I should be responsible for this balance. I never received a copy of terms of loans besides the payment schedule
|
| 10/11/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was called yesterday regarding a debt, had no prior knowledge about it. Lady was rude and threaten to take me to jail and garnish my wages. I asked for a written letter before making payments and was refused. They called again and was rude yet again, I was threaten again with jail and wage garnishment. I again asked for this in writing and was told they couldnt and have mailed things before. I have not gotten anything. Was called a liar as well and hung up on
|
| 12/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received an email today ( XX/XX/20 ) from someone claiming to represent Spotloan.com. They have a XXXX email address, not a business email, and the grammar in the email is iffy. They threatened to serve me with court papers if I do not agree to pay {$750.00} up front or {$150.00} biweekly until it reaches {$890.00}. They are obviously impersonating the actual debtor, but I do not know how they got my information or that I had a loan with that company.
|
| 10/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX states the balance is either. The man has called my work 6 times in 2 days.
|
| 11/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
In 2012 I received what they call an Installment loan and I lost my job.. I notified them to cease the ACH withdrawal from my bank account.. I recently been getting harassing calls from this company or whom ever does the collection.. They never say, and is a different person threatening that they have papers to serve me I explained that I no longer live in Michigan and they never asked for me to update my address and they continuously harass my parents.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I paid off this loan in XXXX of 2019. I have provided a document stating that it was paid off. This company has sent this same bill to numerous credit collection agencies and there is a new one calling daily. I keep disputing it and show the statement and they still refuse to stop the collections and to stop having different agencies contact me. The credit reporting agency is not even attempting to take it off my report just keeps saying its valid.
|
| 05/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with 6 family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please.
|
| 11/22/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I initially took out this loan out in XX/XX/XXXX because I was in a financial bind. I planned to pay it back within two pay periods, however we then got hit with hurricane Irma. I have been paying XXXX every two weeks since XX/XX/XXXX on a XXXX loan. I have paid XXXX to date on this loan and still owe XXXX if I paid it in full or 4 payments left. I can no longer afford this loan the payments on this loan and believe the terms are deceptive.
|
| 10/21/2015 |
Yes |
|
|
|
Web |
|
|
I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.
|
| 07/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I came across Spotloan loan service and received {$800.00} for a loan on XX/XX/21. The APR is 490 % which I believe to be illegal. I want to report this company as its operating on an XXXX tribe getting away with charging people illegal APR for such small loan amounts. Thankfully, I paid my loan off and have copies of confirmation of this. However, I am dissatisfied with the fact they charge 490 % interest on such low loan dollar amounts.
|
| 03/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
According to NC Commissioner of Banks, Spotloan is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.
|
| 02/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I hit a hard time with finances when my husband got into some trouble and was unable to make payments on my loan. After that I forgot about it until I received a phone call today that I was being served with a civil complaint and that the amount was over {$1000.00}.
I went back and contacted the original lender today and was told that the debt was sold and was given the new debt buyer 's information, which is XXXX XXXX XXXX
|
| 06/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a loan in the amount of XXXX from spotloan on XX/XX/2019. Since then I have been making biweekly payments in the amount of XXXX. To date I have already paid them around 1000.00, and In checking their website is says my payoff amount is XXXX. That would be almost 2000.00 I paid to recieve XXXX. I have contacted them to see if there is some type of settlement that they would accept, but havent heard from them yet.
|
| 03/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I took a loan out for XXXX on XXXX. I have made 6 payments so far for XXXX, then next payment comes out on XXXX, for a total of XXXX.
Payment dates, XXXX XXXX.
According to them, I still owe XXXX!?! .. I would like to know exactly how much interest they can charge on a loan like this.Ive already payed XXXX, for what, to repay XXXX out of XXXX, that's ridiculous, Please let me know my rights and what I can do if anything
|
| 06/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was expecting to be able to pay this off In full of the {$800.00} I took out, and now am being told they charge {$10.00} a day on top of the interest so the total is XXXX. I was not expecting such ridiculous interest rate or fees. In addition when I called to try to negotiate I was told they couldn't help me. A 400 % interest rate is a little ridiculous to begin with, but the added fees on top of it are a lot to handle.
|
| 05/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I fell a little bit short on my bank balance in XXXX of XXXX. I have poor credit, so in desperation I took out an online loan for {$600.00}. They are now direct debiting my bank account every two weeks for {$110.00}, and are going to continue doing that until XX/XX/XXXX. I will have paid a total of about {$2600.00} on a {$600.00} loan. In retrospect, it would have been much cheaper to just pay the bank overdraft fees.
|
| 06/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX, Attempting to collect a debt after already having all of my valid contact information have been calling and harassing my family members. They are calling from XXXX. They are calling regarding an old payday loan from XXXX XXXX. I made payments on this payday loan for over a year until I was no longer employed. I have asked them to only contact me and they continued to contact other family members.
|
| 12/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a {$700.00} loan with SpotLoan. The interest being charged is much higher than I expected. I had not idea that the interest charges would be as high as they were. It is exuberiant as to the fees they are charging. I belive this is an illegal tribal company and I do not wish to be a part of this. I also ca n't find where I was provided a copy of the loan and do n't see an option to view this in my account.
|
| 08/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I took out an XXXX loan in XX/XX/2019 with a payment of around XXXX every other week. I did miss a payment in XXXX which the company in turn increased my payement to XXXX. I have paid over XXXX on this loan already and when I asked them about a settlement to get me out of this they said that I needed to pay XXXX to clear the debt today or continue paying the XXXX for the next 14 payment ( which is over 2600 )
|
| 08/12/2016 |
Yes |
|
|
|
Web |
|
|
I have been contacted from the number XXXX XXXX and XXXX XXXX and threatened for non payment of loan, which was paid. The company did not give a name but they said it was a law office in XXXX XXXX California and said a sheriff would be sent with paperwork if not today, in a couple of days. I stated what they were doing was against the law and they said it was n't. Please stop this company and their tactics.
|
| 06/30/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account.
|
| 05/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a loan for XXXX dollars with spotloan. Then I had lost my job and I contacted them and told them this. They basically told me there's nothing I can do for stopping all the interest on my missed payments. Now I am almost at XXXX I owe them and I am still not working for to a medical issue. And I need help I am never going to be able to catch up now with all this interest every single month.
|
| 06/29/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
Spotloan.com is an illegal usury interest rate scram that charges 1000 % usury interest rates # XXXX they do not have the license to charge these or make these illegal transactions. they outsourced the account to XXXX XXXX, that has consistently harassed me. ( XXXX ) regarding their attempt to collect an illegal transaction aand should be charged with elder abuse because I am XXXX years old.
|
| 02/17/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Spot Loan was charging me interest I did n't expect. I tried to work with them and asked if I could pay off the principal amount with reasonable interest and they refused. Then upon further research I found they were not licensed in Michigan. Now, they are trying to sue me. I requested an {$800.00} loan and they are trying to collect over {$1600.00} from me. Please help me resolve this.
|
| 10/15/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out this internet loan, {$300.00} and have been making installment payments every two weeks. I did not know that they were not licensed in Indiana that that their percentage rates were unallowed. As of this date I have paid back approx {$600.00} - their percentage is 761.09 % which is well above the percentage rate allowed. I believe that I do not owe these people any more money.
|
| 06/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
I recieved an installment loan from spot loan. I lost my job and not beem able the pay a lafy by yhe name of XXXX XXXX who said she was a CPA with XXXX calling om behalf of spot loam has beem calling friends and family members discussing my debt and telling my friends amd family memebers that they will suspend my registration for my vehicle are they allowed yo discuss my information?
|
| 01/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Got a small loan with XXXX XXXX for the amount of {$800.00} they advised that I would not owe that much. When I called back they advised I owed {$2000.00} over double than what was borrowed. The company is taking advantage of the consumer in a financial crisis. I tried to pay what I borrowed and make arrangements but they refused and want to collect {$2000.00} on an {$800.00} loan.
|
| 05/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me
|
| 05/03/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.
|
| 08/12/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.
|
| 04/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hello, I took an {$800.00} advance loan on XX/XX/2017. I've been paying {$140.00} every 2 weeks - and thus far have paid back {$1300.00}. This is a lot more than I owe. When I log in to my account on their website, it provides me with no information about when my loan is done or how much I still owe, etc ... I've paid what I owe and don't want to pay anymore.
Thanks XXXX
|
| 08/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American |
|
We did not apply for a loan at all and received {$0.00} funds. They have txted my husband on my phone to collect first payment. When we called automated system said we had a zero balance. When transferred to a live agent he tried to collect {$250.00}. Payment due. When I called it a scam he wanted our vital info to proceed with a claim.
Call XXXX for a dose of the same!
|
| 02/05/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.
|
| 06/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I TOOK OUT A LOAN WITH SPOT LOAN IN XXXX OF XXXX AND THEY WAS DEBIT MY BANK ACCOUT XXXX EVERY TWO WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.
|
| 11/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company offers a short term installment loan for {$800.00}. The interest is over 450 %. Payment is XXXX a month for ten months. I have paid to date over XXXX and still owe over XXXX.
I sent a letter on XXXX stating that loans with this interest rate are illegal in Massachusetts. They responded today that I can mail my payment but I still have to pay.
|
| 05/05/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
I took out a loan with Spotloan.com for {$300.00} I thought that {$50.00} was the payment each month and it turn out that they wanted {$91.00} instead I was upset and I called them and I refuse to pay back {$700.00}. They are now taking me to court and I told them I am willing to pay back the original {$300.00} in payment and they want to take me to court.
|
| 11/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for Spot loan and they approved me. They told me to wait up to 3 days and I did So they told me to send in my ID and Pay stub and I did as I was told to do. They told me to wait up to 2 business days and did. I have not received no funds from Spot Loan & I send them a email & NOTHINGG! They scam me for my social and all my personal information.
|
| 11/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Took out a loan at 490 % interest because I needed the money, Paid all of the payments but had 3 that were late. Company charged me {$930.00} interest on those XXXX payments being paid late. The loan was for {$800.00} and now are refusing to eliminate the illegal interest being charged even though the loan was PAID IN FULL! This company must be stopped
|
| 10/14/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month.
The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.
|
| 04/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections
|
| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a loan with spotloan in XXXX if XXXX I made all payments on time except for the payment on XX/XX/XXXX never received notification from them that payment was missed now they want to charge an extra {$880.00} for a missed payment of only {$150.00} they are charging interest per day that the payment was late this was never disclosed to me.
|
| 09/20/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX XXXX keeps calling me on behalf of Spot Loan - www.spotloan.com. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.
|
| 03/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this
|
| 04/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA sent a letter dated XXXX XXXX XXXX XXXX.Threatened to take me to county court house small claims court in 10 days if I did not pay it. I sent him a letter that I do not owe the debt it was paid.I called the company several years ago. The debt was XXXX They said I do not owe moneyXXXX
|
| 03/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
|
| 01/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.
|
| 09/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
This XXXX XXXX XXXX XXXX is contacting me through email, Stating I owe money {$980.00}, from pay day loan.
My concern is is this a legitimate company or not this XXXX XXXX XXXX XXXX?
I am XXXX only receive monthly income from Social Security XXXX insurance. So I dont want to send money and be scammed out of money, I really dont to give.
|
| 06/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Applied for a payday loan, with a 460 % interest rate. I received {$800.00} and have paid back {$840.00}. Due to the additional monies, felt already taken advantage of, have fallen short on my home. Please help The interest rate is not in line with the State of Colorado Attorneys Office and was told that this interest rate was illegal.
|
| 01/29/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees.
|
| 11/27/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a XXXX $ loan originaly with XXXX $ monthly payments that are due on the XXXX of the month from XXXX XXXX to XX/XX/XXXX.Now i access my online acct for spotloan it has me with owing XXXX $ and paying XXXX $ a month starting XXXX thru XX/XX/XXXX? How did my loan go from XXXX $ to XXXX $ and have n't made a payment yet?
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX has violated my rights. Account opened XX/XX/XXXX, XXXX, XXXX XXXX for U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
|
| 07/05/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''
|
| 07/18/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.
|
| 05/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/2022 I was issued a {$400.00} payday loan with an interest rate of 460 % by Spotloan.com.
On XX/XX/2022 they contacted me via phone over a missed payment. I explained my situation & that I wanted to strech the payment out as long as possible. They later explained the best they could do was the end of the month.
|
| 07/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
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.
|
| 03/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair.
Cordially, XXXX
|
| 01/24/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX claimed to own the debt. I asked for verification of the debt and not salemof said account. And the original creditor failed to enact arbitration per their agreement. So the debt collection agency is not entitled to said debt and the original creditor has to honor consumer rights to arbitration.
|
| 05/30/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Someone from the company XXXX XXXX XXXX XXXX is calling, representative named XXXX XXXX 's, is stating he 's an Investigator for XXXX County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
|
| 07/19/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that.
|
| 07/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
XXXX OF XXXX REPRESENTING A PAYDAY LOAN COMPANY SPOTLOAN STATED I WOULD BE ARRESTED FOR FRAUD IF I DID NOT MAKE SOME KIND OF PAYMENT. I CLOSED THAT ACCOUNT THAT THE ACH WAS COMING OUT OF DUE TO RELOCATION FOR PERSONAL REASONS. AND I WAS NEVER CONTACTED MY A DEBT COLLECTION COMPANY OR THE COMPANY ITSELF.
|
| 12/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Received a voicemail threatening to arrest me. XXXX contact with an individual who said he was an attorney in New York. He said he would sue me for not paying a debt. He called me names and used vulgar and threatening language. I have never heard of the company that he claimed the debt was owed to.
|
| 10/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon checking my XXXX XXXX monitoring service I noticed a loan from Spotloan that was received in XX/XX/XXXX. I have not applied for any loans in XXXX, XXXX XXXXWhen I disputed it, whatever type of investigation they do, XXXX is leaving it on my credit report. I DID NOT APPLY FOR THIS LOAN!!!!!!!!
|
| 11/18/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Spot Loan is saying that i applied for a loan back in 2014 and money was deposited in my XXXX account. I have n't not had a XXXX account nor did I apply for a loan. They have called several times but will not give out any information. A XXXX got real upset with me and told me " good luck. '' XXXX
|
| 07/17/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is XXXX
|
| 07/14/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
As a continuance to my official Case number : XXXX filed XXXX/XXXX/15, the Spot Loan has withdrew funds from my account a day prior to my request for withdrawals on the XXXX! Now I will be charged an overdraft fee of {$35.00}. I do not have earned income! Have you reached out to Spot Loan yet?
|
| 10/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Believe this is Illegal loan in State of XXXX Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local XXXXXXXX XXXX office
|
| 12/28/2017 |
No |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A company by the name of XXXX XXXX XXXX said they purchase a debt from XXXX and they have been harassing me non stop. Today they cursed me and say they would come to my house ... .I told them if they were legit sue me and not contact me but instead they keep calling. There number is XXXX
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company was paid in full. I found out that they were not licesnsed to loan in WA State. I cancelled the loan after the state told me that the interest was illegal. Found out that they are reporting a charge off erroneously on my credit report. {$1900.00}. Original loan was {$800.00}
|
| 06/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I recently discovered Spotloan C/O Blue Chip Financial is a tribal lender and not authorized to extend loans to California residents. I sent a letter offering to pay the principle balance of the loan even though I am not legally required to do so, and received an email refusing my offer.
|
| 09/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Hi, I took out a loan at spot loan for {$300.00} and I now owe them over {$800.00} ( interest rate ) I was in a financial hardship with my son being sick and needing bills paid. My due date for payment is coming up on XXXX XXXX 2015.. I have recently lost my job. What can I do pls help!!
|
| 07/14/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I applied for a {$500.00} payday loan online XXXX/XXXX/16.
I later discovered that they are not licensed to do business in my State, which is Alabama.
Nor do they meet the loan limits set by the XXXX regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
|
| 11/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
I have contacted XXXX about harrassing me through mail offers for a Payday loan and asked them to stop and desist sending me offers for a Payday loan that I am not interested in in their loans.
XXXX has failed in my request and continues to harrass me in taking out a Payday loan.
|
| 01/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
|
| 01/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX is the collection agency the original creditor is spot loans. I took the loan out for XXXX dollars and XXXX XXXX XXXX is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out 6 years ago so the reporting on that was inaccurate also.
|
| 12/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.
|
| 12/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Older American |
|
This company spot loan submitted an illegal usury interest rate claim to these people that is called XXXX banks XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.
|
| 09/22/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.
|
| 07/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have received several calls from a collection agency regarding this account. I have informed them on several different occasions that I have no knowledge of this account and they should remove my contact information, and removed this tradeline off my credit report.
|
| 11/18/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.
|
| 07/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received 22 phone calls in one hour from this debt collector. I told them it wasn't mine. they were insistent that it was. I don't need to have a debt collector calling me 22 times an hour for something that is not mine.
I have attached proof of calls.
|
| 11/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
XXXX is a tribal lender that is not a legal lender to date they have been paid XXXX on a XXXX dollar loan. And are demanding another XXXX which I do n't have. I am in chapter XXXX bankruptcy and this loan should be paid in full with the money I have paid.
|
| 12/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
Said they were sending a process server to serve my husband for a loan with Spot loans form XX/XX/2014. Said he was going to be charged with defrauding a company and presenting a bad check.
He would be served if we did n't pay the {$1300.00} dollars.
|
| 11/22/2016 |
Yes |
|
|
|
Web |
|
|
The lender, or the lender 's collection, keeps calling my sister 's phone number, despite my request for them to stop. My sister has noting at all to do with the loan. She was never listed on any of the documents or anything else to do with the loan.
|
| 03/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Spotloan charges an interest rate of 490 % and I took an {$800.00} loan. The laws in Louisiana prohibit charging this amount of interest and APR. This was back in 2018. Now it is on my credit. I did not know the extra cost of the loan was that much.
|
| 03/13/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
|
| 03/08/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
|
| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out an installment loan and I only took out XXXX XXXX and I was paying the loan off and I fell on hardship I didnt realize that they are charging me over a late fee charge every single day. And its reached XXXX XXXX of what they lend me.
|
| 06/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via US mail, which i never received and told me I had 1 hour to contact them back or it was too late
|
| 04/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was under the impression payments were being received. They never called or sent a letter to me. I all of a sudden receive an email stating I owe triple the loan amount. It was my stupidity to deal with payday loans. This is criminal.
|
| 08/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
As is in the loan agreement, I have at least 3 days notice, in my case 5 days notice to stop ach payments. The company did not stop the ach payments and as a result I was charged bank fees for insignificant funds.
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Blue Chip Financial sent cancellation of debt notice for " personal loan ''. But I NEVER HAD A LOAN FROM THIS OR ANY OTHER COMPANY. Nevertheless, they filed a 1099-C as if I had a loan for {$800.00} cancelled.
|
| 07/04/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I borrowed the money my financial situation had changed. I made payments, than missed payments now the intetest charges are outrageous. I would like to pay back the loan minus all the interest charges.
|
| 05/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
Called XX/XX/XXXX wasn't in agreement with the pay off amount on XX/XX/XXXX over XXXX after paying XXXX since XX/XX/XXXX have to make payments until XX/XX/XXXX to pay off in payments on a loan of XXXX
|
| 04/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX money.
No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
|
| 04/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX XXXX.
No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
|
| 04/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Spotloan is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
|
| 12/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company wants me to repay a {$300.00} loan for almost {$1000.00}. I have never come across any loan company that would have you repay a loan XXXX of the original amount. This can't be legal
|
| 08/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number.
|
| 10/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The fees are outrageous on the loan. They do not communicate that with you before sending the funds the APR 460 % which is illegal in North Carolina. There is a {$2000.00} finance charge.
|
| 04/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have come to find out they charge an illegal interest rate in the several hundreds. I have paid back the loan, but I was and still am struggling to make ends meet because of this loan.
|
| 08/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Payment arrangement set up with company to pay $ XXXX monthly @ {$110.00} which was withdrawn on XX/XX/18 Today taking {$150.00} out in error and can not stop the deduction per company
|
| 07/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
continues to call me at work or cell phone states they have documentation that they are going to submit. When I asked them to stop calling they become irate and verbally abusive
|
| 07/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I recently lost my job and I have contacted the company to let them know and make arrangements with them, but they keep adding interest on and I will never be able to catch up.
|
| 01/20/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.
|
| 11/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Spotloan interest is over 400 %, which is over the California ( my state ) limit. Additionally spotloan has made it difficult to make payments with inaccurate information.
|
| 12/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
I received an email for a loan company I never applied for. They stated that it was taken out on XX/XX/2019. My bank didn't receive any money from this company. Spotloan.
|
| 11/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
A company. Claiming to a debt collector called my employer. When called them they said they wouldn't stop unless I agreed to something with them without proof of debt.
|
| 02/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Loan company used other loan companies to collect debt in their name. Falsified birthday and current address. Loan rate is 780 %. Fraudulent activity for my account.
|
| 07/14/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account.
|
| 09/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Spotloan charge excessive fees for a {$300.00} loan becomes a {$1500.00} there is something wrong with this. This is a predatory lending. They need to be look at
|
| 12/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This is some sort of fake debt collector law firm that has called family members, harassers me, claims I will go to jail. Uses abusive language on the phone.
|
| 12/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
XXXX and XXXX of 2022, I received a card in the mail, stating that I was approved. When I applied, the loan was denied and decreased my credit scores.
|
| 10/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have asked to please stretch out my payments for a longer period.they said no can do. {$800.00} loan for 10 months at payments off {$260.00} ea.
|
| 05/29/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Took out a payday loan from Spotloans for XXXX Paid XXXX per month sand still owe XXXX and then come to find out that they are illegal in Alabama
|
| 09/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family.
( XXXX ) XXXX
|
| 04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The interest is ridiculous I have been paying XXXX monthly for 5 months and still arent done paying till XX/XX/XXXX. I only borrowed {$800.00}.
|
| 10/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Spoke to them on the phone. Expkained that I didnt appky for the loan. Was threatened with jail time and that my bank account would be seized
|
| 03/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Ive paid what Ive borrowed. I currently cant pay anything else. The payments arent even to cover the principal only the outrageous interest.
|
| 07/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.
|
| 05/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Family members and friends received call from XXXX indicating that they are looking for me to serve a subpoena for a debt.
|
| 11/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Random companies call me all day long trying to connect debt that I do not owe or know anyone else that does owe any
|
| 04/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
verified that payday loans are illegal in NJ I am being harassed threatened by someone at this phone number XXXX
|
| 09/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I have a loan with Spotloan.com for {$700.00} and I have already paid it back but they still want {$600.00} more.
|
| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Need address and phone number updated please.
Address XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Phone number XXXX
|
| 09/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I did not apply for a loan. I do not want a loan. I keep requesting this company stop the unsolicited contacts.
|
| 02/01/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Says loan was taken out XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}. XXXX. Ref XXXX. Online loan never received.
|
| 11/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Company is not legally licensed to do business in my state. Interest rate not allowed per state usury laws.
|
| 05/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I HAD ALOAN WITH THEM AND NEED TO FIND OUT LOAN NO. EXCESSIVE FEE AND INTEREST PAID ON THE LOAN
|
| 10/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Constant telephone calls. Sent an email requesting the account be considered paid in full.
|
| 02/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I keep getting phone calls at my job threatening me with be served and a lawsuit from XXXX
|
| 06/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Collector Spotlaon called threatening appearance before a Judge and an arrest warrant.
|
| 08/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Well the account not closed they just took XXXX out of my account on XX/XX/XXXX
|
| 05/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
They took out {$150.00} on XXXX different occasions without my consent.
|
| 04/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They charge more than Colorado allowed fees.
|
| 07/11/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
Charged illegal interest rate of over 500 %.
|
| 03/02/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
Unauthorized inquiries causing hard hits
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American, Servicemember |
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Referral |
|
|
|
| 09/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
|
| 07/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web Referral |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 11/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 06/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 02/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 10/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 11/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 08/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
|
|
|
| 01/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 11/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 10/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 10/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 06/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 06/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Phone |
|
|
|
| 04/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 12/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 10/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 10/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 10/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 08/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/12/2018 |
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
|
|
Postal mail |
|
|
|
| 07/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 06/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 05/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 04/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Older American, Servicemember |
|
|
| 04/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 04/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 03/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 03/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Referral |
|
|
|
| 03/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 03/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Fax |
|
|
|
| 02/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/30/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 11/30/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 11/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 11/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/03/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 08/23/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
|
| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 07/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 07/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 07/05/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 06/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 05/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Postal mail |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Postal mail |
|
|
|
| 04/19/2017 |
Yes |
|
|
|
Web |
|
|
|
| 04/02/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
|
- Can't stop charges to bank account
|
|
Referral |
|
|
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/07/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 12/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 12/01/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/22/2016 |
Yes |
|
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/15/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 09/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Servicemember |
|
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/23/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
Older American, Servicemember |
|
|
| 08/16/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Servicemember |
|
|
| 08/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/07/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 06/22/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Phone |
Older American |
|
|
| 06/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 06/17/2016 |
Yes |
|
|
|
Web |
|
|
|
| 06/14/2016 |
Yes |
|
|
|
Web |
|
|
|
| 06/11/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 06/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/02/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
|
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 05/19/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
|
| 05/09/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
Older American |
|
|
| 04/14/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 03/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/15/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 03/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 02/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/27/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American |
|
|
| 02/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 02/19/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American |
|
|
| 02/02/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 01/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
Older American |
|
|
| 01/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 01/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 10/22/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
|
|
|
Web |
|
|
|
| 10/16/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
|
|
|
| 10/08/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
|
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/03/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American |
|
|
| 08/25/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 08/19/2015 |
Yes |
|
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 08/14/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
|
|
|
| 07/31/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/30/2015 |
No |
|
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
|
|
|
| 06/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
|
|
|
| 06/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 05/27/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/28/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/01/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/12/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Older American |
|
|
| 03/06/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/21/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 02/16/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Postal mail |
|
|
|
| 12/28/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Older American |
|
|
| 12/05/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
Older American |
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/29/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 11/21/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 10/08/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Postal mail |
|
|
|
| 09/04/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 06/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/01/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 03/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/31/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/07/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/06/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/11/2013 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
|
|
|
| 11/29/2013 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Referral |
|
|
|
| 11/21/2013 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|