| 03/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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On XX/XX/2020, my bank was insufficient to provide CashTime Title Loans {$82.00}. On XX/XX/XXXX I came down with something like a virus. But as we speak I still have it. Which isnt normal. I went to urgent care but they didnt give me anti-biotics and said I just had a virus. Our state wasnt testing people for XXXX. So since then I have been off and on working. I took the news media advice by quarantining so I dont get other people sick.Between XXXX I didnt work at all. So my check today was really small.
I called CashTime today around XXXX XXXX today and told them whats going on. I said would you be willing to work with me. I made 7 on time payments of XXXX which totals XXXX and I only borrowed XXXX dollars. So I asked them I have given you XXXX bucks. I had no issues. But now Im really sick - probably from XXXX. I lost a lot of hours at work. I barely have enough for my rent money. Could I give you the remainder XXXX dollars. And we call it even? I no that doesnt include interest. But you have me at 179.15 % APR. normally I understand your running a business. But right now were living in different times - requiring 180 APR during this pandemic is quite hardcore. XXXX from CashTime said we can not do that. We cant just settle like that. I said okay. Well can I give you XXXX. That will cover some interest as well. She said all we can do, is you can pay XXXX dollars toward interest today and have two weeks to pay a normal payment. She talked to her manager and said there was something they could potentially do as well if I cone in. But it sounded like it would just be rewriting or refinancing a new title loan. Which isnt smart if thats true. Not sure what they were talking about.
CFPB, I wanted to see if there was anything else that could be done. Because holding to that 179.15 APR although technically legal due to contractual agreements in the state of AZ, I feel is unethical and predatoral based on the time were living in.
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| 03/26/2018 |
No |
- Payday loan, title loan, or personal loan
- Title loan
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- Was approved for a loan, but didn't receive money
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Web |
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I applied for an installment/registration loan with Cash Time via there on-line application. The website stated everything could be handled online. Shortly after I submitted my application to Cash Time I received a call from the branch located at XXXX XXXX XXXX XXXX. XXXX, AZ. XXXX. The caller stated that they would be able to help me all I needed to do was visit the branch and bring, bank statements and pay stubs. I advised her that I had granted permission for them to view my bank statements and that my pay check was posted to my bank account. She still insisted I visit the branch even though the web site states everything can be done online and the funds can be deposited in your bank account by the next business day. I visited the branch and found out that everything I had been told was a total lie. I wasn't approved for the {$1500.00} I applied for they offered me {$200.00} and rationalized the decision by stating that I didn't have auto deposit for my pay check. If this is in fact a registration loan using my car as collateral then the {$1500.00} should not have been a problem because XXXX value is over {$5000.00}. This company is guilty of deceptive lending practices.
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| 06/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I took out an {$800.00} title loan in XXXX of 2016. The interest rate was not disclosed in the original paperwork. I made payments for about a year, I went to pay off the loan and they wanted {$2500.00} to pay it off. I was shocked at the amount, so I did not pay it off and I stopped making payments. I just received a summons in the mail from this corporation demanding {$4200.00}. I misplaced my original paperwork, so I went down to the title company and they printed out a forged document. On this document, it stated that my original loan amount was {$1900.00} and the interest rate I was given was an annual percentage rate of 180.00 %. I requested the " original '' paperwork, they refused and the girl at the counter told me that this was the only paperwork she was allowed to give me. Obviously, this is fraud in addition to higher than legal interest fees. I am not sure what I can do, I have an appointment with an attorney to discuss my options, but I would like this company to be investigated. The company is Cash Time Title Loans, inc. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX.
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| 02/15/2023 |
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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I defaulted on the loan initially bc I was out on medical leave from work. The end result was a judgement. They also never updated my address to receive the court notification. Ask XXXX to do so before it ended in litigation. That never happened. It went to court found out through the court because they had my correct address. Call to make arrangements to pay back before garnishment of my wage. My issue is the original loan amount was XXXX on a 6 month term. They sued me for XXXX. Which also includes court filing fees. I was sued for the whole contract amount that included interests at 179 percent. I made payments arrangements with XXXX which I have kept. She sends me a month statement via email. Last one she sent had a balance of XXXX. I made another payment since then of XXXX. I called her to make confirmation the now I owe XXXX and it would be satisfied. She then sent me a email saying I owed XXXX and change. That they are charging me again 180 percent..This is predatory. I will never get this paid off.
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| 02/24/2020 |
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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I took out a registration loan in 2015 with cash time loan center and made several payments, however I fell behind and tried to make a partial payment and they refused. I lost my job and vehicle and have not heard from the company till I was served with small claims in pursuit to a statue that is for implied warranties. Which the amount borrowed was less than {$500.00} which the law caps the interest rate. However in the lawsuit they are requesting 202.29 % in interest. I have made several calls to company left voice mail with no response. The company waited 5 years to accrue interest on an a predatory loan. several payments were made to this company as balance was no where near the {$660.00} they are suing for outside of statue of limitations law and filing under false statue.
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| 12/11/2017 |
No |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't stop withdrawals from your bank account
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Web |
Older American |
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I called the lender the XXXX week of XXXX XXXX as directed by the loan documents to inform them that I wanted to stop all ACH & check/debit card withdrawals from my bank account. They informed me that they would honor my request. I also asked my bank to block all transactions form the lender. Over the weekend of XXXX/XXXX/XXXX there were 3 withdrawals from CashTime posted to my account.
This is in direct violation of my request. It 's possible that they changed some identifying information so that it was not recognized by my bank, but it is still in violation.
the total amount they debited my account is the money needed to make my vehicle payment and seems to be unfair tactics.
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| 08/29/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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i pay {$36.00} every 2 weeks for a {$300.00} title loan. Last month i called them and asked them to make the due date on my pay days instead of the opposite. they said its ok and i even made an extra payment to put it ahead. NOW they say i was late on a payment so the interest rate changes to around % 800 for the remainder of the loan. I made a couple payments and noticed my balance after paying them {$210.00} in payments, my balance was {$260.00}. they said its going to be {$280.00} next week after another {$36.00} payment. They said because i was late the balance will continue to go up after making {$72.00} payments per month. 800 % interest? really?
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| 08/18/2022 |
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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I have already paid my loan with Cash Time as of XX/XX/2020 yet I noticed that theyre still calling me and they tried to debt my debit card again. I have a receipt showing my balance is XXXX but I got an alert this morning that XXXX XXXX there was an attempted debit for {$39.00} and then yesterday they called me again. So Cash Time was pretty convenient to get a loan but their collection practice is pretty bad even if youre a day late theyll call and harass and email over and over again. But like I mentioned this loans already paid off so they have no reason to be calling and no reason to be trying to debit my checking account again.
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| 07/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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A judgement has been filed against me regarding a title loan I had in 2016. I have consistently made the {$100.00} a month agreed upon payments since the judgement. I was told at the beginning of this that if I was to have a lump sum they would settle for me.
Since COVID I have attempted to contact Cash Time Title Loans and request a settlement offer to get this debt closed out. They responded to me stating that they are unable to offer any settlement at this time. I also have had a volunteer Lawyer attempt to contact the company asking for smaller payments or a settlement offer but they have neglected to respond to him as well.
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| 08/10/2018 |
No |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I took out a title loan in XX/XX/2017 and didn't make a payment due to loss of my job as well as getting XXXX XXXX XXXX which landed me in XXXX for 12 days on XXXX XXXX. I recently got my truck repossessed which I understand but they are trying to say I owe them XXXX to receive my vehicle. I am willing to pay them via my parents who now know but didn't previously. My mother said she can pay like {$300.00} a month but not everything all at once.
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| 11/30/2018 |
No |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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I got a title loan from Cash Time and completely paid off on XX/XX/2018 and they are refusing to release my title and have tried several times to speak to some one in a higher position and the representatives ( XXXX ) refuse to provide me information or transfer me, the representatives act very unprofessional and untrustworthy I don't know at this point if they are trying to steal my car and i need help.
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| 11/03/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
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| 06/07/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This contact is a reference and has been calling repeatedly once on XX/XX/XXXX and second on XX/XX/XXXX. I have also been contacted to myself has been harassing. I have had back to back calls.
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| 12/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Fax |
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| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
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Web |
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| 09/05/2019 |
Yes |
- 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
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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| 07/25/2016 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Called after sent written cease of comm
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Web |
Older American |
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| 03/05/2015 |
Yes |
- Debt collection
- Payday loan
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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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| 12/08/2014 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 06/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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| 05/05/2014 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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| 03/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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| 02/21/2014 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Indicated committed crime not paying
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Web |
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