Cottonwood Financial Ltd. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/01/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 767XX	Web
The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts WITH THAT BEING SAID, SINCE COTTONWOOD FINANCIAL LLC IS DBA CASH STORE, THEY FALL UNDER FDCPA GUIDELINES. UNDER 807. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. NOW, WITH THAT BEING SAID, YOU WERE TRYING TO REACH ME FOR A WHILE, BUT BECAUSE I HAD BEEN IN THE HOSPITAL FOR 1 DAY A WEEK FOR 2 CONSECITIVE WEEKS FOR XXXXXXXX XXXX, HAD A TRIP TO THE ER WITH A XXXX XXXX XXXX, AND THEN WE HAD A DEATH IN THE FAMILY, I WASN'T ABLE TO RETURN THE CALL RIGHT AWAY. HOWEVER, WHEN I CALLED THE CORPERATE OFFICE TO RETURN THE PHONE CALL THAT WAS IN MY CALL LOGS ON XX/XX/XXXX at XXXX XXXX., NOT ONCE DID YOU EVER READ ME THE MEANINGFUL DISCLOSURE AS REQUIRED BY THE FDCPA, AND SEING AS HOW YOU NEVER LEFT ME A MESSAGE, THE FIRST INITIAL COMMUNICATION DIDN'T START UNTIL I RETURNED THE PHONE CALL THAT WERE IN MY CALLER ID. AS PER THE FDCPA, UNDER 807. False or misleading representations : in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. WITH THAT BEING SAID, WHEN I CALLED YOU BACK ON XX/XX/XXXX at XXXX XXXX, TO RETURN THE PHONE CALLS THAT WERE IN MY CALL LOGS, AND YOU GUYS ANSWERED THE PHONE, YOU FAILED TO DISCLOSE THE MINI MIRANDA AS REQUIRED BY THE FDCPA UNDER 807. False or misleading representations ( 11 ). The FDCPA defines communication as the conveying of information regarding a debt [ either ] directly or indirectly to any person through any medium. 15 U.S.C. 1692a ( 2 ). SO, WHEN I CALLED YOUR COMPANY, AND I TALKED TO YOU ABOUT THE ACCOUNT IN QUESTION, IT WAS AT THAT VERY MOMENT, YOU WERE IN VIOLATION OF FDCPA 807. False or misleading representations ( 11 ) BECAUSE YOU FAILED TO GIVE ME MENINGFUL DISCLOSE UPON THE FIRST INITIAL COMMUNICATION. THE PERSON I TALKED TO ON XX/XX/XXXX, TALKED TO ME FOR 4 MINUTES AND 10 SECONDS. DURING THAT TIME, SHE HAD THE OBLIGATION TO ABIDE BY LAW AND UNDER FDCPA REQUIREMENTS, TO DISCLOSE MEANINGFUL DISCLOSURE! FACTS OF LAW : 1. I RETURNED YOUR CALL YOU ON XX/XX/XXXX. 2. OUR FIRST INITIAL CONVERSATION WAS XX/XX/XXXX. 3. YOUR REP FAILED TO PROVIDE MEANINGFUL DISCLOSURE AS REQUIRED BY FDCPA REGULATIONS. 4. DURING THE XX/XX/XXXX PHONE CONVERSATION, I WAS ON THE PHONE WITH YOUR REP FOR 4 MINUTES, AND 10 SECONDS WITH HER. SHE HAD PLENTY OF TIME TO PROVIDE THE FDCPA REQUIRED MEANINGFUL DISCLOSURE. 5. I DID NOT RECIEVE THE REQUIRED MEANINGFUL DISCLOSURE UNTIL XX/XX/XXXX WHEN I RECIEVED A LETTER FROM YOU DISCLOSING IT. THAT'S IT. WHICH MEANS THAT THE LETTER YOU SENT TO ME, WAS SENT OUT AFTER THE FIRST INITIAL COMMUNICATION, WHICH BY THE WAY WAS ORAL, AND AT THAT TIME, YOU WERE REQUIRED TO GIVE THE FDCPA MEANINGFUL DISCLOSURE. SO, SINCE YOU NEVER DISCLOSED THE MEANINGFUL DISCLOSURE WHILE I HAD YOUR REP ON THE PHONE WITH ME, DURING OUR FIRST INITIAL COMMUNICATION ON XX/XX/XXXX, YOU NOW HAVE A FDCPA VIOLATION FOR FAILURE TO GIVE MEANINGFUL DISCLOSE. SO, YOU CAN CONSIDER THAT YOUR FIRST FDCPA VIOLATION AGAINST YOU! UNDER FDCPA 806 : Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. NOW, WITH THAT BEING SAID, WHEN WE SPOKE ON THE PHONE ON XX/XX/XXXX, I TOLD YOU THAT MY WIFE HAD BEEN LAID OFF FROM HER JOB. THEREFORE, YOU HAD PRIOR KNOWLADGE OF THE LAYOFF, YOU KNEW WE WEREN'T GOING TO HAVE THE MONEY TO MAKE ANY KIND OF PAYMENTS TO YOU BECAUSE OF THE LAYOFF. YOU ALSO KNEW I WAS ON SSI DISABILITY, WHICH MEANS THAT I AM IN SOME FORM DISABLED. AND YET, SOME HOW THAT DIDN'T SINK IN TO YOUR THICK SKULLS, AND YOU CONTINUED TO MAKE CALL, AFTER CALL, AFTER CALL TO MY CELL PHONE ON XX/XX/XXXX! EVEN AFTER YOU WERE TOLD THAT MY WIFE LOST HER JOB AND WAS LAID OFF, AND BECAUSE OF THE MONEY SHE MADE FROM WORKING, THEY CUT MY SSI CHECK, WE COULD NOT PAY YOU. SO, GIVEN THE FACTS HEREIN, YOU DECIDED TO TAKE IT UPON YOURSELVES TO CALL MY CELL PRONE NOT ONCE, NOT TWICE, BUT 8 TIMES ON XX/XX/XXXX. EVEN AFTER WE HAD THIS CONVERSATION JUST 3 DAYS AGO ON XX/XX/XXXX. THEREFORE, YOU NOT ONLY HAVE YOU HARASSED A DISABLED WITH THE INTENT TO COLLECT A DEBT, BUT YOU HAD A BLANTENT DIRREGUARD FOR THE FDCPA REGULATIONS AS WELL. AND, NOT ONLY IS THAT CONSIDERED PHONE HARASSMENT, BUT DEBT COLLECTION HARASSMENT, AS WELL AS HARASSMENT OF A DISABLED, AND ALL 3 OF THEM ARE AGAINST THE LAW, WHICH YOU JUST BROKE! A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. SO, YOU CAN CONSIDER THIS YOUR SECOND FDCPA VIOLATION AGAINST YOU! AND ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. WITH THAT BEING SAID, SINCE WE HAD A CONVERSATION ON XX/XX/XXXX ; YOU HAVE BEEN CALLING AND HARASSING ME FOR THIS XXXX DEBT FOR 3 DAYS STRAIGHT, AND YOU NEVER DISCLOSED YOUR IDENTITY TO ME. NOT ONCE! YOU NOW HAVE A FAILURE TO MAKE telephone calls without meaningful disclosure of the caller 's identity AS WELL. SO, YOU CAN CONSIDER THIS YOUR THIRD FDCPA VIOLATION AGAINST YOU! FURTHERMORE. UNDER FDCPA 813. Civil liability : ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. WITH THAT BEING SAID, HERE ARE ALL THE CALLS THAT I HAVE GOTTEN FROM YOUR COMPANY, IN NO SPECIFIC ORDER, JUST WITHIN THE PAST 3 DAYS : XX/XX/XXXX : 1. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX. 2. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX. 3. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX 4. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX. 5. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX 6. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX. 7. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX. 8. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX THAT'S A TOTAL OF 8 CALLS JUST FOR XX/XX/XXXX. XX/XX/XXXX : 1. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX 2. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX. 3. XXXX PLACED ON XX/XX/XXXX AT XXXX XXXX AND ANOTHER 3 CALLS FOR XX/XX/XXXX. THAT'S A TOTAL OF 11 CALLS WITHIN 3 DAYS!! SO YOU CAN CONSIDER THIS THE FOURTH FDCPA VIOLATION AGAINST YOU! YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATIONS AGAINST YOU THAT ARE LISTED HEREIN! THE LISTED FDCPA VIOLATIONS THAT YOU HAVE, SO FAR, ARE : 1. FDCPA 807 : False or misleading representations : FAILING TO DISCLOSE NOTIFICATION OF THE COMPANY YOU WORKED FOR, AND NOT STATING YOU ARE A DEBT COLLECTOR, OR THAT THE INFORMATION YOU WERE GIVEN WOULD BE USED FOR THAT PURPOSE. 2. FDCPA 806 : Harassment or abuse : HARASSING PHONE CALLS. 3. FDCPA 806 : Harassment or abuse : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. AND 4. FDCPA 806 : Harassment or abuse : MAKING TELEPHONE CALLS WITHOUT MEANINGFUL DISCLOSURE OF THE CALLER 'S IDENTITY. CONGRATS, THAT'S QUITE A HOLE YOU JUST DUG FOR YOURSELF. NOW, AS FOR THE MANDITORY ARBITRITATION CLAUSE, THAT'S NOT EVEN WORTH THE PAPER IT'S WRITTEN ON, AND I'LL TELL YOU WHY. THE MANDITORY ARBITRITATION CLAUSES ONLY APPLY TO THE DISPUTES WITHIN A CONTRACT, AND NOT STATE DISPUTES. YOU SEE, HARASSMENT AND HARASSMENT OF A DISABLED FALLS UNDER STATE LAWS, AND THERFORE YOUR MANDITORY ARBITRITATION CLAUSE DOESN'T HAVE A LEG TO STAND ON, AND IT GOES OUT THE WINDOW. SO, I MAY NOT GET YOU FOR FDCPA VIOLATIONS OR FOR ANYTHING ELSE BECAUSE OF THE MANDITORY ARBITRITATION CLAUSE, HOWEVER I WILL USE ANY MEANS NECESSARY, TO GET YOU FOR HARASSMENT, AGGRAVATED HARASSMENT, AND HARASSMENT OF A DISABLED, BECAUSE YOU HAD THE INTENT BECAUSE YOU WERE WANTING PAYMENT. THERE'S NOT A XXXX THING THE MANDITORY ARBITRITATION CLAUSE CAN DO TO STOP ME FROM FILING HARASSMENT LAWSUITS AGAINS YOU. LIKE I SAID, YOUR MANDITORY ARBITRITATION CLAUSE ISN'T WORTH THE PAPER IT'S WRITTEN ON. SO EVEN IF MY COMPLAINTS DOESN'T FALL UNDER THE FDCPA, IT WILL FALL UNDER EITHER THE FTC, OCCC, AGED AND DISABLED, CFPB, OR NAACP. AND I PLAN TO MAKE COMPLAINTS AGAINST YOU WITH EVERY SINGLE ONE OF THEM IF NEED BE, JUST TO GET MY POINT ACROSS.
03/13/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I was contacted by XXXX XXXX office about a payday loan that I thought had been settled from the Cash Store. They told me it was not settled and to avoid them taking me to court that I needed to pay 10 installments of {$85.00} for a total of {$850.00} to stop them from taking me to court. I paid one installment on XX/XX/XXXX and asked for the validity of the debt to be sent to me and receipt of payment. The person who informed me about this was named XXXX XXXX and stated that this charge would show up from XXXX XXXX. After the payment was taken I called back to get verification of the debt, the payment schedule, and receipt of payment already taken since as of XX/XX/XXXX I had not received any type of email or communication regarding the arrangement. This began to raise a " red flag '' when I did not receive any communication and the other companies I have dealt with recently while trying to settle my debts have all provided me with email communication with company logo and information about the company as well as debt verification. I contacted the company back on XX/XX/XXXX to discuss getting more information regarding my debt and validity of the debt. XXXX XXXX told me that she didn't need to send me validity of the debt because they were NOT a debt collections company but a proceedings office. She started to get very frustrated with me about my asking questions and at one point threatened to stop my arrangement and would just " see me in court '' without me verbally agreeing to dispute the arrangement and I even told her that I wasn't trying to dispute the arrangement, but to verify the debt and that they were an actual company. I told her I looked up the company on the XXXX XXXX XXXX site and could not find any legitimate company accredited listing any of the names she had previously given me. XXXX XXXX, XXXX XXXX Office, or XXXX XXXX. I did not see this debt on my credit reports and wanted to make sure that it was not a scam. I asked her for the company name and she told me that it was XXXX XXXX Office I asked for the physical address of the company and I was told by XXXX XXXX that she would absolutely NOT provide me her physical location but that she would provide me with the corporate office address. I said ok, she stated that it was XXXX XXXX XXXX XXXX, California XXXX. This raised another concern about this being legitimate company due to the fact I have never in my life known a corporate office to have a PO box as a physical address. I then asked for the telephone number to the company and her response was the one I had called from XXXX. I had also been given another number previously of XXXX that she did not disclose. I asked her for her hours of operation and where she was located and she told me they were open till 5 and that all she could tell me about her location was that she was calling from Florida near the XXXX XXXX area. I requested to know what their professional license # was so that I could verify the business according to my conversation with the FTC, when I contacted them regarding my suspicions about the company trying to collect this debt. I was told by XXXX XXXX that she would not give me the information about the license # and that by law she didn't have to disclose that information. I told her that the FTC informed me that she can in fact give me that information that it was available to the public and she flat out refused. At this point in the conversation she told me she was not going to " go back and forth '' with me about the debt. And that she would again just see me in court. I told her that I didn't know why she was raising her voice and getting frustrated with me, that I was only trying to make sure that they were an actually company, and again just wanted to verify that this was not a scam since I thought the debt was settled. I asked for an email outlining the arrangement with her once again and she said that she would send it by the end of the day. At the end of the day I did receive an email with just the title of XXXX XXXX. no letterhead, no logo and my name, address, account number with the cash store and account ID the letter reads : This letter is to confirm that XXXX XXXX has received your installment for the above referenced account on XX/XX/XXXX. Your installments are as follows : Starting date : XX/XX/XXXX Installment Frequency : Bi-weekly Upon receipt of the final installment, your account will be considered Paid in Full. Once that final installment has cleared, the account will be reported paid in full, and a XXXX balance will be reported to the proper credit reporting agencies, if applicable. Furthermore, you will be released of any financial and legal obligations pertaining to the above referenced account and any remaining balance. If you have any questions related to your account, please do not hesitate to contact the office at XXXX Monday through Friday from XXXX to XXXX EST. Please refer to the ACCOUNT ID indicated above on all questions and installments. Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX IMPORTANT : In the event that any transaction is not honored by the bank, becomes disputed, chargeback or unauthorized, this letter will be terminated and voided. You may be responsible for the balance if full, less installments made and costs allowable by law. -- end of letter -- The letter besides having no company logo, and in a basic XXXX XXXX format, shows my installments starting on XX/XX/XXXX however, I had already given one installment on XX/XX/XXXX. The letter also did not disclose XXXX XXXX or anyone else 's name for contact as well, and the contact number was different than what was previously given to me as well. I also noticed that the address provided at the bottom was a DIFFERENT address than the one I verified with XXXX XXXX over the phone several times and had even read back to her. I have already contacted The Cash Store on the same afternoon and learned that my debt was not settled like I thought, but that it was sold in XX/XX/XXXX to XXXX XXXX XXXX I contacted that business and was told the debt was sold again to XXXX XXXX XXXX at XXXX. I contacted that company and was told that the debt was again sold to another company XXXX XXXX XXXX at XXXX. I have left several messages with that company to please contact me regarding my debt and have yet to hear back from anyone or get a call back to verify who at last has this debt and I am fine with paying what I owe, but just want to verify that this XXXX XXXX or XXXX XXXX XXXX is who should actually have my debt since I do not even list this as an open debt on my credit reports and have gotten very little to NO solid information regarding the validity of this debt or the validity of this company. I would like to know what company owns my debt to settle if any at this point and ensure that this is not a fraudulent attempt to collect a debt. This " company '' has a " locator '' that has contacted my mother and my best friend in regards to locating me due to a " case '' that is being filed against me in XXXX county. They disclose my case number in voicemails to them and that I still have saved on my phone. In the voicemail XXXX XXXX states that they are trying to locate me and that they will contact my employer and speak to my supervisor to locate me. They also disclose that I need to contact the legal department about this case and I would need to contact them before my case is filed and that once my case is discharged from their office that my legal rights will be forfeited. I believe this to be a violation of my rights to be contacting other persons besides my self and stating personal information about a debt on someone's voicemail about me. I also do not believe that if this is discharged from their office that my legal rights will be forfeited as claimed since I can always represent myself in a court of law or have an attorney represent my case so this does not make sense to me. I contacted the " locator '' company and wanted to know why they contacted my best friend about my personal debt within the last hour after already speaking to a representative that morning. I was told that they did not call my best friend within that hour and the woman even told me that my friend was lying to me. There is something severely NOT acceptable with the way this company, if someone can even prove they are an actual company with the lack of information and evidence to prove so, handles someones personal business. And stating that you do not have to follow the law or consider the fair debt collection practices act because you are a proceedings office and not a debt collector, but are still trying to collect money from me does not make ANY sense to me nor do I believe that it is lawful.
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. THE CASH STORE bal. {$960.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77066	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. THE CASH STORE bal. {$710.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/30/2019	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 78660	Web	Older American, Servicemember
On XX/XX/XXXX I defaulted on a loan due to Cottonwood Financial / Cash Store ( XXXX, Tx ). I was contacted by my local Cash Store ( XXXX, Tx ) a few days later and was offered a refinance loan that would lower my monthly payment and get me back on track. I visited my local Cash Store on Wednesday XX/XX/XXXX to accept this offer. The representative ( I believe his name was XXXX ) took the {$140.00} Dollar fee and began printing paperwork for me to sign. I informed him that I did not wish to grant permission to Cottonwood to directly debit my bank account. He told me that I must grant the permission to receive the loan. I pointed out to him that I thought this was illegal under federal law. He contacted his DM who told him I must sign the authorization form but could later mail a retraction letter to Cottonwood. I commented that this simply didnt make sense - why not just not sign the authorization form to begin with? He then contacted someone at Cottonwood and was told that I must sign but could attach a retraction letter with the signed authorization form again, nonsense. I took my money back and sought legal advice. The federal Electronic Funds Transfer Act ( at 1005.10 e I believe ) specifically forbids a lender from denying a consumer a loan solely because the consumer refuses to allow the lender to debit their bank account directly. Cottonwoods own Payment Authorization Form ( XXXX ) states the following : You understand that your election to provide us with an authorization to debit your bank account is voluntary and is not a factor in whether we will offer our services or a loan to you The fact of the matter is that the only reason I was denied a loan on the XXXX was because I would not provide the authorization. I understand that several companies have attempted to bypass the EFTA by claiming that various schemes to provide retraction mechanisms with the signed authorization forms met the EFTAs requirement. I also understand that the courts have seen through these and found such schemes are a violation of the EFTA. One of the FAQ listed under existing customers on the Cash Store website is the following : Why was a payment taken from my account? For your convenience, if you are not able to make it into the store, the scheduled loan payment will be drafted from your account. This will ensure that your loan remains on schedule without the need to visit a store location to make a payment Please note that nothing is said about the consumer needing to give permission to Cottonwood to do this it is assumed. Why? Apparently because you can not be an existing customer without having taken a loan, and Cottonwood ( in violation of the EFTA ) apparently wont give you a loan unless you grant them permission to debit your bank account. How many consumers have been victimized by Cottonwood Financial / Cash Store in this way? Does Cottonwood make a point of informing the consumer that they do NOT have to authorize Cottonwood to debit their bank account directly in order to receive the financial relief they seek? Obviously not. How much does Cottonwood make at {$30.00} a month per direct debit failure? Not to mention the additional damage to the consumer by what their bank might charge ( {$29.00} per incident in my case ). Additionally, why did at least four Cottonwood employees in positions of responsibility not know that an apparent common daily practice of the Cash Store is a direct violation of the EFTA? In an attempt to open a dialog with Cottonwood about this matter, I contacted their General Counsels office via a certified letter delivered on XX/XX/XXXX. As of the time of this writing ( XX/XX/XXXX ) I have not heard back from them although I am easy to reach. However, I have heard from their Collections Department and responded promptly. Since mailing my letter I have received 3 collection calls from two different Cottonwood agents. XXXX ( ext XXXX ) ridiculed my legitimate concern that I brought to the attention of Cottonwoods General Counsel and XXXX ( ext XXXX ) even denied that what Cottonwood did was against the law ( she didnt deny it happened, just that it wasnt against the law ). Both agents terminated all three calls by rudely hanging up on me once I mentioned having contacted their General Counsels office. Cottonwood invited me to resolve my loan default issue with them via a refinance of the loan. I accepted the offer but was subsequently illegally denied the loan. As a result I am still listed with them as in default and am harassed by collection calls. Since Cottonwood has failed to accept my invitation to discuss this matter amicably and persists in rude collection attempts, I have elected to take this matter to the next level and seek assistance from the Consumer Financial Protection Bureau.
10/24/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77583	Web
Update, I reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX. Found out the company name XXXX XXXX XXXX XXXX XXXX and also did a XXXX search from the document that I had to ask for numerous times. It was like pulling teeth to get them to even confirm or give any proof of who they are. The companies name is XXXX XXXX XXXX. I was told they were out of TX but it looks like this company is in California. The rep claims that their mailing address is in TX because they can't give out their physical address because they have been threatened before. I reached out to the Cash Store as well today and was told that they sent and still send collections to XXXX XXXX XXXX or the people that bought them out XXXX XXXX XXXX. Which I expressed to the Cash Store that both XXXX XXXX XXXX XXXX XXXXXXXX are both unreachable. Both Cash Store and XXXX confirmed that this debt is actually from XX/XX/XXXX. Cash Store said they sold the debt the amount was {$190.00}. One rep at the Cash Store Corporate told me the amount could be more since its been years and the interest that collection takes on. XXXX only wants to collect {$160.00}, please see attachment. Please see my orginal complaint below of my previous encounter with above collection company and Cash Store ... ... ... ..... I was contacted by XXXX XXXX XXXX XXXX on I believe XX/XX/XXXX about a debt from XX/XX/XXXX from the Cash Store. When I answered the phone I was asked if I was available and if I would be at my location to receive documents. I was transferred over and spoke with XXXX who told me that I owed for the Cash Store. We spoke for a few minutes and after I contacted the Cash Store and was told that my debt was with another Collection agency. Called the Collection agency that the Cash Store Corporate office referred me to and was unable to get anyone. On XX/XX/XXXX I received a call again from XXXX XXXX XXXX XXXX processing center and was transferred to a rep name XXXX and after going back and forth about this debt and if their collection practices of this debt was legal. I was told that the debt was {$1100.00} and that they could in fact collect that amount if the debt went into ligation. The {$1100.00} was the interest and ligation fees. XXXX wanted to settle but did not confirm the original amount. After I ended the call with her she called back from a different number and I ended the call. I contacted the Cash Store Corporate office again and I spoke to someone in the Admin office and was told that the debt was sent to XXXX XXXX XXXX years ago and the amount was incorrect. The amount was only {$190.00}. I called XXXX XXXX XXXX and the agency is now closed, you can still leave a message as they still do check messages. I called back XXXX XXXX XXXX and this time XXXX answered, he remembered me and to make a long story short. After going back and forth about the debt, the {$1100.00}, and etc, he wanted to see if he could settle with me before they moved on to ligation process. I asked to speak with the legal team and was referred to a manager name XXXX. I let her know that I wanted to speak to the legal department and we went right back and forth about the debt and their legal practice of collecting this debt. I let XXXX know that XXXX let me know that they used to be XXXX XXXX XXXX. XXXX told me she did not know why he would say that. Again we went back and forth about the debt. I let her know, like I let the previous reps know, that I will be contacting the FTC and filing a complaint. I read XXXX the article where last year in XXXX XXXX CFPB sued XXXX XXXX and its affiliates for Illegal Debt Practices. She disregarded the article and said that I could email to her and wanted to talk about the debt. Basically the same as the previous reps if they can not settle it then they will have to move forward with ligation process. I ended the call. She called back and I let her know that I would be filing a complaint to protect myself and looking into legal counsel since they are moving forward with the next stage of suing me.
08/08/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 62704	Web
I have already filed a complain about the Cash Store 's collection practices. I took out a payday loan with them in XXXX in XXXX, Illinois for a little over {$1000.00}. I since lost my job and was unable to pay. A few years ago, I was receiving calls threatening me saying someone was on the way to my place to arrest me. They knew all my personal information including names, addresses and phone numbers of family members. They also contacted my family and threatened to have them arrested as well. All of the information was in my previous complaint. Today, I received a call for a number based out of XXXX, Illinois XXXX little town of maybe a couple XXXX people if that ). The person on the phone stated they were with XXXX XXXX and she stated she had a " court order '' for me. She asked if I was home and I told her I was n't. She then stated that I could call the party who filed the complaint and asked if I wanted their number. I said yes. She gave me the number ( XXXX ) XXXX which is the number based out of buffalo. She then stated that she could transfer me. I said that was fine. I was put on hold and then someone else answered the phone. Gave them reference number XXXX which is the number given to me by the woman claiming to be a courier. The man who answered used the name XXXX XXXX but sounded uncomfortable saying it. Never let me know the call was being recorded until the end of the conversation. Stated I owe a debt with the Cash Store. Stated that I need to appear in court or we could settle the debt for {$1800.00}. Said he needed to know if I was voluntarily going to settle the debt but before I say anything, he said that if I did n't, he would " activate a lien '' on my car and take any other property I own to settle the debt. Stated that I would need to appear in XXXX XXXX XXXX where I reside. There are no records of any action filed in XXXX XXXX. He knew my address, a new phone number, the license plate number on a car I just bought in XXXX, etc ... I hung up on him. He called back at XXXX today ( XXXX/XXXX/XXXX ) from a number based out of Kentucky XXXX Did n't say who it was, just said that I was being evasive and non-compliant. Will be sending out the " notice for lien '' on my car. After asking about XXXX times who he was, he stated he was XXXX XXXX. Again, never stated the call was being recorded or that this was an attempt to collect a debt or how the information would be used. When I asked over and over and over, at least a dozen times, what company he was with, he refused to answer. Instead, said that there must be mental problems going on over here if I ca n't articulate a conversation at XXXX XXXX XXXX besides asking the same thing over and over. Never gave me a company name. Continued to tell me that he will get the court order to me. I asked again what company he was with and he stated in a very threatening manner that " you 'll see when you get the order '' and hung up. I am very concerned to see what my apartment looks like when I get home since I verified that I was n't home at the beginning of the conversation. He threatened to take property that they have no right to and the court order is fake. I still do n't know what company he supposedly works for. These calls have been happening since I took out the loan and the threats to me and my family have caused so many problems. Threatening to throw my grandparents, my mom and I in jail for not being able to pay a loan. Threatening to take property without a legitimate court order. Faking having a court order to take my car, faking having an arrest warrant and if I do n't pay up now they 'll throw me in jail. This is crazy and needs to stop.
07/16/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	UT 84321	Web
XXXX someone claiming to be from XXXX XXXX XXXX, whom I have never received correspondence from previously contacted a family member of mine, left a voicemail discussing debt and my account illegally. After receiving the forwarded voicemail and text message from my mother, I, in good faith called the company back on that same day, I updated my contact information, asked them to only communicate with me going forward as it was regarding supposedly an account in my name. Their agent XXXX I believe it was acknowledged verbally they would remove any other family member numbers and cease and desist communication with anyone not myself. They also provided me an email address to which I forwarded and will attach a formal request for validation as they are debt collecting I presume as a DBA under many other names however, although their company name says mediation that is not true and they made it clear and concise this call was from a debt collector .... collecting on behalf of another creditor who is not the original creditor. So at this point I felt absolutely entitled to be able to send a formal validation request which I did to the email they provided me along with a formal cease and desist communication with third parties, specifically my family members which they had already acknowledged verbally. There has been no response in the last 30 days to a validation request either by mail or email both of which addresses they provided to me, they have not returned my phone call, but have since called my family member multiple times despite my request and attempts to communicate with them verbally ( which they acknowledged XXXX as in writing. While I could only select one option regarding this complaint I feel it worth mentioning this debt collection/debt resolution company or however they are doing business as a DBA practicing debt collection, they have violated FDCPA provisions on multiple occasions.While I could only select one option regarding this complaint I feel it worth mentioning this debt collection/debt resolution company or however they are doing business as a DBA practicing debt collection, they have violated FDCPA provisions on multiple occasions 1- Did not respond to a formal validation request provided to them both by mail an email to give me information I needed about this did not respond to a formal validation request provided to them both by mail an email to give me information I needed about this account 2- Continue to contact family members and third parties after receiving a verbal as well as a written cease and desist communication notice. Having updated all my contact information so they could communicate with it about me they simply chose not to which is a clear violation of FDCPA regulation. There are other violations here besides communication tactics, misrepresentation, and threats of legal action they can not legally make if they are not attorneys which they claim to be customer service agents not attorneys when I talked to them.continue to contact family members in third parties after receiving a verbal as well as a written cease and desist communication notice. Having updated all my contact information so they could communicate with it about me they simply chose not to which is a clear violation of FDCPA regulation. There are other violations here besides communication tactics, misrepresentation, and threats of legal action they can not legally make if they are not attorneys which they claim to be customer service agents not attorneys when I talked to them
06/13/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NC 27804	Web	Servicemember
Received numerous calls and texts from XXXX XXXX XXXX regarding an alleged debt for a payday loan that doesnt exist. Communication began around XX/XX/XXXX stating the a debt was owed initially to XXXX XXXX for a payday loan in the amount of {$400.00} that was obtained in XXXX and defaulted on in XXXX. The amount has increased to {$2100.00} but theyre willing to accept a one time payment of {$390.00}. Then, was contacted again around XX/XX/XXXX regarding another payday loan for the same {$400.00} but this time the debtee is The Cash Store. The amount is still {$2100.00} with costs and fees and theyre willing to accept $ XXXX {$790.00} to settle the account. Ive spoken with XXXX and XXXX regarding this alleged debt owed. However, I live in NC where payday loans have been banned since XXXX. In addition, my XXXX XXXX XXXX XXXX account has been closed since XX/XX/XXXX and the debt owed to them was discharged in my XXXX bankruptcy. So, I know this a lie automatically. These scammers, schemers, and fraudsters havent got the good sense to use XXXX and check their facts before calling people in NC regarding payday loans. Now, these scammers, schemers, and fraudsters arent even physically located in the US. Theyre physically located in XXXX. Ive traced every number theyve called me from back to XXXX. I need someone to please explain to me how in the world the state of Florida allows a shell company to blatantly operate in their state? How are these people allowed to purchase and activate US numbers including toll free numbers for the sole purpose of scamming, scheming, and defrauding consumers in the US without fear of repercussions? With all of the complaints regarding this company and their tactics, why hasnt the state of Florida revoked their license to do business? What is going on with the state of Florida that theyre that hard pressed for money that they allow consumers to be schemed, scammed, and defrauded so openly? This company has NOT ONE freaking employee based in Florida much less the US. Every single phone number is based physically in XXXX. If I can find that information, I know the egg heads working for these departments can find it. Just XXXX XXXX ; XXXX ; XXXX ; XXXX and any of the other various numbers used by these freaks. Theyve already been sued once and a default judgment was obtained. Yet, theyve not complied with the judgment because nobody truly lives or works in the XXXX US. We cant pursue legal remedies because nobody participates in the proceedings and thats because nobody truly lives in the US to respond to the complaints. So, Im sending this complaint in knowing full and well that nobody is gon na respond to it because nobody is actually here in the US to do so. You can call XXXX and hope and pray to get an answer or maybe its just gon na go to the voicemail of XXXX again whose mailbox is full a d unable to receive messages. Or you can call XXXX at the XXXX number or XXXX at the XXXX number hoping and praying theyre gon na answer. You can also try and email them at XXXX and pray to get a response as well. But youre gon na die holding your breath waiting for an answer. Theyve got caller ID and if they dont know your number theyre not gon na answer. So, can the Sunshine State please just revoke their license to do business and somewhat put a damper on their ability to scam, scheme, and defraud consumers? Can yall please take some real action against this company?
10/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	ID 83705	Web	Older American
In XXXX XXXX I received an email addressed to me directly stating " You have been pre-qualified to receive {$1900.00}. '' The amount quoted would have greatly benefitted my financial needs. Therefore, on XXXX XXXX XXXX I went into the Cash Store located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and applied for the loan. However, the senior customer service representative XXXX informed that I only qualified for {$420.00}. I accepted the {$420.00} loan XXXX XXXX, with monthly payments of {$140.00}. I paid the Cash Store {$140.00} for XXXX and XXXX, but I was struggling to maintain payments since the cost of living has risen considerably higher. On XX/XX/2023, I requested to refinance the loan. XXXX informed that I could refinance the loan and the monthly payments would be the same. After refinancing with the Cash Store, I received {$120.00} from the refinance and a new loan XXXX XXXX. But after signing the refinanced loan documents, XXXX told me my monthly payments are increased to {$150.00}, even though she previously mentioned the payments would stay the same. I have continued to pay the Cash Store monthly payments of {$150.00} since XX/XX/2023, even though the increase has caused me further difficulty in maintaining necessities of life in this economy. But in late XXXX or early XX/XX/2023, I called XXXX and asked her about the extremely high interest rates and why I am being charged XXXX percent APR, which was an increased from the original XXXX percent APR. XXXX 's explanation did not change or resolve the high interest charges, even though XXXX realized from my conversation that I was having financial difficulty. On XX/XX/2023, I called the Cash Store and asked how much the payoff balance would be for the loan. I was told the balance was {$270.00}, but would increase on XX/XX/, to {$270.00}. Although {$270.00} seems like a small amount of money, it is a lot when other bills, food, and personal items are required from my monthly funds. Several minutes after ending the phone conversation, I called again and asked if I would pay the balance of the loan in full would I be able to obtain a loan for a higher amount and lower interest rate. I was told no ; the loan amount and interest would stay the same. On XX/XX/2023, XXXX called as she usually does and asked me if I was ready to pay the monthly Cash Store payment. I told her I would call back. XXXX said the Cash Store will be open until XXXX XXXX. I didn't call back on XX/XX/XXXX. In my regular conversations with XXXX on the XXXX of each month, she would record the conversation and asked me to confirm authorization for the Cash Store to take money from my bank account. I would verbally authorize each payment. However, on XX/XX/2023, I called the financial institution that I bank with and inquired about the amount in my bank account. When I questioned the available amount, I was told the Cash Store had already taken payment from my account. I did not confirm authorization or given consent to the Cash Store to withdraw funds from my bank account. Although I have paid the Cash Store regularly each month, it has been a struggle, and I knew the funds in my bank account for the month of XXXX would not fulfill all my obligations appropriately without over drafting my account. This is the reason I called the Cash Store on XX/XX/XXXX, to find out if I could refinance the loan.
08/28/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 76040	Web
On XXXX XXXX, XXXX, i took out a payday loan with the Cash Store on XXXX XXXX XXXX XXXX, XXXX TX XXXX in the amount of {$1200.00}. With taking out the loan I was informed that anything paid over the amount due would pay toward the principle, however payments can either be paid in person or automatically ACH out of the my checking account, with payments that are due every pay day a portion would go toward the Principle as well interest that is accrued on a daily basis. Based on a time table of events on XXXX XXXX, XXXX, I made a payment of {$700.00} which would have been primary principle and 4 days worth of interest accrued. From there on allowed the Cash store to automatically ACH my checking account under the assumption that all payments being taken out a portion was going to Principle and the remaining going toward interest. However when calling in inquiring about the discrepancy payments being taken out as the most recent payment that came out on XXXX XXXX, XXXX7, was {$210.00} compared to past history of payments coming out of {$110.00}. I was informed that all of my payments were going toward interest instead of both Principle and interest. Based on the time line of events XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span> Received {$1200.00} loan XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span> Paid {$700.00} which should of dropped my principle balance considerably as well as lowered my balance subject to interest as well. XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span> ACH {$45.00} ACH Can not confirm why this amount was taken out. XXXX ACH {$210.00} XXXXX XXXXXXXXXXXXX XXXXXXXX/X/XXXXX/span> ACH {$110.00} XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span> ACH {$110.00} XXXX ACH {$110.00} XXXX ACH {$110.00} XXXX ACH {$110.00} XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span> ACH {$110.00} XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span> ACH {$210.00} After Calling and inquiring about why the {$210.00} was charged I was told that the amount differs because i was only previously paying interest. However at the time of originally getting the loan i specifically asked the clerk if I make a lump sum how would that figure with my balance she informed me that it would pay the amount subject to interest as well, take the principle down and payment moving forward would be deducted based on the amount subject to interest as well as a portion of the balance. I attempted to resolve this matter with the store directly they informed me that because I had courtesy calls turned off, they were not able to inform me of this matter. I responded the reason I had the calls turned off was because all I am told is how much is due then hang up which I already knew before hand. XXXX informed that anytime a call is made I was to be told the amount due, and exact distribution of the payment. I informed that this was not happening that again this is why i had the courtesy call discontinued. I was informed because of this that is why they can not assist in the matter. I was then provided with the phone number to Cottonwood Financial who is the Corporate company over the Cash Store, phone number XXXX attempted to call 3 times X/XX/2017 between XXXX to XXXX XXXX reached a recording that kept having me repeat action taken and not putting me through to a live person when trying to resolve.
12/10/2015	Yes	Consumer Loan Title loan	Can't contact lender	TX 79072	Web
My Dad took out a loan and I am trying to help him pay it. He could not afford the loan from the beginning but because The Cash Store does not budget the customer they loaned him {$1100.00}. My dad has not been buying groceries or his medication because he does not want to lose his car. He pays {$200.00} every 2 weeks. He has made 6 payments on time For a total of XXXX and his balance was still {$980.00}. He still had 6 payments left. I called the local branch to work out some type of settlement. They gave me all my dads information ( 3rd party disclosure ) even though I told them I do n't want any information on the account I just want to know who I needed to contact for a settlement. They could not help me but gave me their corporate number. I asked the branch if they normally settle. The Manager XXXX told me not until your loan defaults but your dad is up to date so they will not settle with him. I called the corporate office and spoke to XXXX. She told me that she could not give me any info unless my dad called and said it was ok. I told her I already have the info because the office gave it to me, I just needed to work out a settlement. I asked her 3 more times to let me speak to someone that can help me and she said there 's no one and eventually she hung up on me. I got my dad to call and tell them I had permission to settle his account. I called back and spoke with a collection Supervisor and she again told me she could not help me because the account was not in default, I would need to call the branch. I told her I 've been going back an forth between corporate and the branch and everyone says they cant help. She told me that not one can help because he is not late and has to live up to his contract. I asked to speak to someone else. She told me there was not one else that she was the Supervisor. I proceeded to ask her 3 times and she said I could not talk to anyone else. So, I asked her what good are they if they cant help anyone and then she forwarded me to a voicemail that she said was her boss. I left a message. I also asked her why they will settle with someone that is in default and not a good customer that pays on time. To me that is bad customer service. After I left the message, I called back to get the name of the person I last spoke too. The lady on the phone tried to find out for me but said the Supervisor in the collections department in XXXX, She did not know of a female Supervisor in collections. I 'm not sure if she really was a Supervisor. Their corporate office is not customer friendly or very helpful. They basically are telling me I should let my dad account get 14 days past due so they will settle but they do n't always settle. I asked when do they settle and they said it depends on the situation. I am just trying to help my dad out but no one at the cash store wants to help. I also thinks it a bad loan product. He 's already paid {$1200.00} of the {$1100.00} he owes and still owes another {$1200.00}. Plus, the office suggested to refinance the loan to make his payments more affordable but his balance would go up. That will not help at all. All I 'm asking for is someone to help me come to a settlement to help my dad out.
09/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MI 49441	Web
Back in XXXX/XXXX/XXXX I took out a payday loan ( via personal check ) at The Cash Store that was funded through Cottonwood Financial. My check was deposited at the time it was due on XXXX/XXXX/XXXX and was returned for non-sufficient funds on that particular day. The amount was then paid at The Cash Store, for which I received back my original personal check marked " void '' by the store representative as well as the original contract I signed, along with a company letterhead statement reflecting this was " paid. '' When the loan is paid back they give you back your personal check marked " void '' and your original contract with document stating " paid. '' Fast forward to XXXX/XXXX/XXXX. I received notice that I had an outstanding loan balance to The Cash Store/Cottonwood Financial from XXXX and it is showing in the State of MI database as an outstanding payday loan since XXXX. I called the State of MI ( XXXX ) database for payday loans and explained the situation to them. They advised me to go to the original store where loan was taken out and ask them to remove this from the state database. " it 's really very simple, she said, all they have to do is go into the system and remove it from the state database. '' I took my original check and my original contract and went to The Cash Store to get this cleared up. The store representative who helped me called the District Manager of the area and explained the situation as she mentioned that the representative at the time may have mistakenly forgotten to finish out this loan in their system and that 's why it was still showing up as unpaid. District Manager was aware that I had the original check back and contract marked as " paid. '' I was given the number to the Corporate Office ( XXXX ). I called them and they told me that the debt still was unpaid ( per their system ) and it had been sent/sold to a collection agency in XXXX called XXXX XXXX XXXX so they no longer had any dealings or further assistance of the account. I then called XXXX XXXX XXXX ( XXXX ) and they told me that they sold the debt to another collection agency called XXXX XXXX XXXX back on XXXX/XXXX/XXXX and so they too could offer me no further solution or assistance. They also informed me that XXXX XXXX has since went out of business. I have spent many hours working to resolve this matter including calling the State of MI, several calls back to Cottonwood Financial Corporate office, calls to XXXX XXXX XXXX and all are telling me there is nothing they can do to get this removed from the state database. Cottonwood says once they sold it they ca n't do anything. XXXX XXXX XXXX says they sold it and ca n't do anything either. XXXX XXXX is now out of business and supposedly was the last place where this resided. I need someone to assist me in getting this removed from the state database as it is coming up in potential employers background checks and in my credit report that this is an unpaid loan. I have all the documents that the loan is paid. The original loan is from XXXX -- now beyond the Statute of Limitations for reporting purposes as well. I have exhausted all measures of places to call to get help. This is unfair.
03/09/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	WI 54311	Web	Servicemember
This complaint, act of theft, deception and lying to the customer, is directed at Cash Store, Green By Wisconsin, XXXX XXXX XXXX XXXX XXXX. I have a " payday '' loan with the Cash Store mentioned above. This is my third loan with this company at the same address. On Thursday, XXXX XX/XX/2022, I went in to make a payment on my loan. I explained to the blonde hair receptionist that I needed an extension, or some other kind of relief for this payment period as there was an emergency with my dog. After several minutes of negotiations ie, if I wanted an extension, I needed to pay XXXX dollars- which is XXXX dollars short of my payment on the 440 APR loan. I asked what good is that, I needed the money but paying almost the entire payment was not possible. After several hours of negative insinuation from the receptionist ( she was actually the manager ). We agreed I could pay XXXX XXXX today and the XXXX dollars would be passed on to next months payment. That was very helpful, and I walked out believing my problem was solved. The next day, Friday the XXXX, the same person called to remind me I had a payment due later that day. I reminded her I was there yesterday, and we had made an arrangement where the XXXX dollars I did not pay this period would be paid ( with interest ... 440 Apr... ) on my next scheduled payment, the XXXX of XXXX 2022. When we hung up, I once again believed everything was good to go. On Monday, the XXXX of XX/XX/2022, I received a text from my bank that XXXX dollars was taking from my checking account. I did not remember such a withdrawal. I called the bank and they assured me that there was a withdrawal from " Cash Store '', XXXX XXXX Wi. I called the store, but no one was there because they open at XXXX. I left a very rude message calling them incompetent and thieves. I also said that that I was not surprised that a company charging XXXX XXXX would not only XXXX the public but also stab the customer in the back while stealing from the customer. Also, I told them I was going to do everything I could to close the Cash Store company down in XXXX XXXX WI. After leaving that message. I called my bank again to cancel the withdrawal and to block that company from making any further withdrawals from my account. I explained the situation to the bank representative. My request to block the Cash Store was granted. However, the current withdrawal would need to be challenged. I submitted the challenge. The money came back to my account on Tuesday XXXX XXXXXXXX XXXX I highly suggest this matter be investigated. This is not the last or only action I will take. I have contacted a lawyer and he advised me to contact the State Attorney General Office. A letter which I am in the process of writing. He also advised me of the legal actions I could take. I am also in contact with Cotton Wood Financial out of Texas. They did not seem to want to be to helpful. Hmmm, there is a problem here. IT IS IMPORTANT THAT NO ONE DOES BUSINESS WITH THIS STORE UNESS YOU WANT TO BE TAKEN ADVANTAGE OF, YOU WANT A DISREPUTIBLE COMPANY TO STEAL FROM YOU, AND YOU WANT TO BE TREATED WITH DISREPSECT IN PERSON OR ON THE PHONE.
09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NM 871XX	Web	Servicemember
I obtained the XXXX Payday loan from the XXXX XXXX XX/XX/XXXX, I paid biweekly payments of XXXX through the end of XXXX, I ran into financial difficulties the beginning of XXXX with payday loans, using short term debt to cover long term debts since my job went from full time to part-time, by the middle of XXXX I was in over my head and requested lenders to seize ACH Debits from my account, I could no longer afford all of my bills. I sent letters to letters explaining my situation, The Cash Store never responded nor tried to contact me, from XXXX we went through years of difficulties from job losses, to ill parents, to moving to another state, deaths, etc ; therefore, in XXXX my husband and I filed a Chapter XXXX Bankruptcy to include all debts. I haven't ever been contacted by the Cash Store until the beginning of this year XXXX, a third party company ( XXXX XXXX/XXXX XXXX XXXX ) on behalf of the Cash Store , first contacted me at my employer XX/XX/XXXX and 2 or 3 times a day every since. I related to them over and over that I filed a Chapter XXXX Bankruptcy in XXXX and it was discharged XX/XX/XXXX, Ms. XXXX stated she had a copy of my bankruptcy and the debt wasn't included, she told me the debt was taken out in XXXX and ended in XXXX. She threatened me on several occasions that she was going to garnish my wages. I requested her to stop calling my employer that I would be fired if she continued to call but she insisted that she could call as much as she wanted since I owed her. The calls never stopped, they even contacted some of my coworkers trying to reach me. On XX/XX/XXXX while at work I got a call that showed up on my caller ID that appeared to be XXXX County Court so I answered and another individual stated she was calling to verify my employment to start garnishment procedures. I hung up, went to my vehicle and called Ms. XXXX and pleaded with her not to garnish my wages and to please stop calling my employer, she continued to threaten me stating that she was going to have a Sherriff serve me a work, I begged her not to do it and she said the only to prevent it was to set up monthly payment of XXXX ( XXXX ) for six months. To stop ( fraudulent, which I didn't know ) court proceedings and harassment at work I agreed to the payments, she took my bank card information and set up monthly payment for XXXX per month for the XXXX of every month starting XX/XX/XXXX, I borrowed cash from my relatives to ensure I had the cash in the bank on the XXXX ; however, the bank returned the cash it was flagged for fraudulent reasons. I contacted Ms. XXXX right away and told her the bank rejected the payment and I was going to report her to the FBI and she said I'm still on her docket to be sued and my wages garnished. I NEED THIS TO STOP ASAP. The name of the company that showed on my bank account is XXXX/XXXX XXXX ; however, the payment agreement has the company name as XXXX XXXX XXXX , the person that's been threatening me is Ms. XXXX, her phone number is XXXX. They also contact me at work from XXXX and XXXX 2 or 3 times daily.
10/17/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 55106	Web
On Thursday XX/XX/2020 I received a call from my mother in law because she had received several calls from a number looking to locate me and the lady on the phone said she was a processor and is looking for me to service me for a debt I owed but she refused to give her name or company she was with so my mother in law hung up and immediately called me thinking this was my ex husbands mother who I have a 50 year order for protection on my ex husband trying to locate me. I asked for the number the lady called from which was XXXX and I tried calling the number which just rang did not go to a debt collection company so I then thought test my ex husband is trying to find me again and immediately thought me safety was in jeopardy. About two hours later that same number called my work phone twice but I could not answer because I was with a customer and then then called again and I answered and it was the lady that had called my mother in law several times she started saying shes been trying to get in contact with me thats shes a processor and trying to service me and she would have my address verified in two hours and I can call XXXX to discuss the debt and she will call back when my address is verified to come to my home. I immediately called XXXX and a guy name XXXX got on the phone and said that I defrauded Cash Store and I will be taken to court unless I take care of whats owed right now. I explained I never defrauded Cash Store I explained I was paying the loan and I fell into financial difficulties and especially now because of COVID-19 he said well I need to pay something today and how am I surviving if I dont have money to pay the debt I kept saying I dont have any money right now and then he said well see you in court and good luck in court. I then looked at the letter I received from Cash Store just a week prior and it states my debt was sold to XXXX XXXX XXXX XXXX XXXX so then I really started thinking my safety is I. Jeopardy and my ex is looking for me again. The processor lady then called my work number twice and then my cell phone but I was still working so I couldnt answer but then again she called my work number I answer and she said did you talk to XXXX I said yes and explained that the company was extremely rude she giggled and said how so I said well to ask me how I am surviving and cant pay a debt is completely out of pocket she again laughed and said well I will be proceeding with the court action and do I still work for XXXX XXXX XXXX when I said no I have to worry about XXXX XXXX for my children so I am not working she said yea we all know you have a lot of children and then she said shes contacting HR and that she will be to me home in 1-2 hours to serve me. I felt threatened as I have extreme safety concerns from a past XXXX relationship where the man was sent to prison for many years and I have a 50 year order for protection on him so I immediately told my kids get inside and locked all my doors.
10/16/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77583	Web
I was contacted by XXXX XXXX XXXX XXXX on I believe XX/XX/XXXX about a debt from XX/XX/XXXX from the Cash Store. When I answered the phone I was asked if I was available and if I would be at my location to receive documents. I was transferred over and spoke with XXXX who told me that I owed for the Cash Store. We spoke for a few minutes and after I contacted the Cash Store and was told that my debt was with another Collection agency. Called the Collection agency that the Cash Store Corporate office referred me to and was unable to get anyone. On XX/XX/XXXX I received a call again from XXXX XXXX XXXXXXXX XXXX processing center and was transferred to a rep name XXXX and after going back and forth about this debt and if their collection practices of this debt was legal. I was told that the debt was {$1100.00} and that they could in fact collect that amount if the debt went into ligation. The {$1100.00} was the interest and ligation fees. XXXX wanted to settle but did not confirm the original amount. After I ended the call with her she called back from a different number and I ended the call. I contacted the Cash Store Corporate office again and I spoke to someone in the Admin office and was told that the debt was sent to XXXX XXXX XXXX years ago and the amount was incorrect. The amount was only {$190.00}. I called XXXX XXXX XXXX and the agency is now closed, you can still leave a message as they still do check messages. I called back XXXXXXXX XXXX XXXX and this time XXXX answered, he remembered me and to make a long story short. After going back and forth about the debt, the {$1100.00}, and etc, he wanted to see if he could settle with me before they moved on to ligation process. I asked to speak with the legal team and was referred to a manager name XXXX. I let her know that I wanted to speak to the legal department and we went right back and forth about the debt and their legal practice of collecting this debt. I let XXXX know that XXXX let me know that they used to be XXXX XXXX XXXX. XXXX told me she did not know why he would say that. Again we went back and forth about the debt. I let her know, like I let the previous reps know, that I will be contacting the FTC and filing a complaint. I read XXXX the article where last year in XX/XX/XXXX CFPB sued XXXX XXXX and its affiliates for Illegal Debt Practices. She disregarded the article and said that I could email to her and wanted to talk about the debt. Basically the same as the previous reps if they can not settle it then they will have to move forward with ligation process. I ended the call. She called back and I let her know that I would be filing a complaint to protect myself and looking into legal counsel since they are moving forward with the next stage of suing me.
08/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78228	Web
Cash Store on XXXX XXXX XXXX XXXX XXXX, TX XXXX. In this company if you can't make a payment or renew your account you are then stealing there money!! XXXX XX/XX/2020 my Mom received a very rude call from this company saying she has not honor her agreement, and stealing from them too. Also, threaten to take her to court!! She made agreements with this store location that she would make a payment when she could to pay it off completely. When she is done with this process she can never get a another loan from them again. Which I explained to her with her phone on speaker so we all could her the agreement. Have not received a letter from the company about one thing or another. Then she is receiving calls from said company main office and very rude, loud, disrespectful call asking about the money she owes. With so many scammers over the phone how does she know who is calling her? They use different numbers all time and don't always identify themselves clearing who they are either. Why can't they get the agreement from the store and it employee who agreed to it? Why is there constant calls about the same thing over and over. This is still in the month the agreement was made in the first week of XXXX!!!! How can they not understand that if she could be it on time she would?! Also, not her first time getting a loan from this company!!! They need to learn how to approach people better especially when struggling to pay all bills in this time frame.Everyone is trying there very best to pay bills, put food on the table, and a job done. What does adding on more pressure do for this company and people who took out a loan? Is this company going to also blame other consumers for loosing there jobs, extra mouths to feed, or hours cut short?!!! Our they also going to threaten every single person who doesn't or can't pay a loan from them? Is this the natural standard and practice of Cash Store company? Who wants to be talked down to like a child? Threaten? Insulted to pay money you don't have at the moment in time? Can't make payment agreements to the Cash Store because you not sure if money is coming in? Who would ever want to renew or receive a loan of any kind from this location or company again?! Not ever again no matter how much it might helped or helps us!!!!! Thank You, for your time to read this complaint about your very rude and disrespectful staff that you have hired for Cash Store! Good Day!
11/20/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78238	Web
The Cash Store has a third party by the name of XXXX that called me at my place of employment from XXXX. Someone by the name of XXXX XXXX, he claimed to be, called several times for me. When he did finally reach me, the gentleman did not state where he was calling from, who he represented and only stated there was a claim filed against me and he was coming to my work to bring it. The caller did not have a professional tone, so It was very intimidating when he was yelling that I broke the law and I could not hide behind my job. After I kept asking who and what, he said he was hired by an agency to handle my claim. A claim he still did not state was. I disconnected after his rudeness was too much and I was afraid, some guy I don't know said he was coming to my work. My general manager began to answer his calls that continued and explained to him that this did not seem legitimate especially because the guy kept yelling. When I picked up line again, I said I was going to call the police, ONE because I didn't know who he was, two because he kept saying I will come to your work, and I will be escorted. I have my general manager, and front desk lead both answered these calls. The 2nd time I picked up the line, he apologized for not letting me know who he was, and gave me a number to call, his representative, to get my answers. The place was XXXX. I am still shook up by all this. This was a 3rd party collection agency. The way this was handled is not professional and in turn gives these people the reputation they have. " Bullies ''. I will look to attain other professional advice on how this was handled. I did contact the Cash Store as well as XXXX XXXX XXXX to see what I could do on my part as far as my debt. I do not believe that these tactics should be legal. He took over 2 hours of our business time as he repeatedly called our business. Again, I have 2 other witnesses on how " XXXX XXXX '' disturbed our flow here. He does currently have my personal number, I will hope that there is something I can do to stop this very unprofessional business practice. I am afraid to go to my car, or leave the building. This gentleman 's last call, he told my front desk lead, to tell my general manager to have me waiting outside for him. As a place of customer service, we do have the calls recorded if there is someone I can submit them to. Please advise.
12/12/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	UT 84081	Web
Yesterday my daughter was contacted my a person named XXXX XXXX who made threatening statements about a lawsuit against me. The phone number she was given was for XXXX XXXX XXXX XXXX ( XXXX ). I called the number and left a message. I was unaware of any debt owed that would result in such action. When XXXX called me back she stated it was unresolved debt from a payday loan I 'd taken out in XXXX 2014. I know for sure that loan was satisfied. She stated I would be served papers and verified my phone number and place of address. The next day I got a recording stating I would be served papers at my place of residence or work and if I was served at work then I would need a supervisor or head of security to co-sign. I called then number provided ( XXXX ) and was transferred to a business that did n't identify themselves when they answered. They merely said hello. I asked who I was speaking to and was told XXXX. I attempted to talk to him about availability to be served court documents. He became extremely rude. He asked me if I had spoken to the original creditor ( The Cash Store ). I said I did n't, but I had bank statements and receipts to prove the loan was paid in full. He told me to expect to be served and the matter would be resolved in court. I called the Cash Store and was given the information to their corporate office. The person I spoke to confirmed the loan had been paid in full. She said if I received any other phone calls I should tell them to 'Cease and Desist '. I called the phone number back ( XXXX ). Again, the phone was answered by XXXX who did n't identify the place of business. I told him I had spoken to the Cash Store and the loan had been satisfied. I told them the representative said to cease and desist. He told me to bring all of that information to court and hung up on me. Part of what seems off is yesterday, XXXX XXXX did not have my employer correct and when I told her that was not my employer, she did not try to collect the information for my current place of employment. They also can not tell me how much the original loan amount was and the stated I had written bad checks. The money was automatically withdrawn from my account, which I have proof of on bank statements.
04/13/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75068	Web
I took out a loan on XX/XX/2020 for XXXX from Cash Store / Cottonwood Financial in Texas. The first payment was to be paid on XX/XX/2020 for XXXX. My household had a financial hardship and I couldn't pay the loan, so I asked for a EPP, extended payment plan, with the store manager, before the due date. I understood I owed a debt and wanted to take care of it. They said they would have to turn the account over to corporate collections and after waiting to hear from Corporate Collections I was told there was no EPP. I contacted XXXX XXXX and XXXX ( debt settlement company in Florida ) to help with my debt. They drafted a settlement offer that Cottonwood Financial rejected. I then started to receive calls from Cottonwood Financial and agreed to pay them directly at 10 % of the account balance for 10 payments. I received a letter on XX/XX/2020 confirming my commitment of a payment for XXXX on XX/XX/2020 and then on the XXXX thereafter, the account balance is XXXX. I then received another letter on XX/XX/2020 basically stating the same thing. I made my payment on XX/XX/2020 in the amount of XXXX. Today XX/XX/2020, I received a call asking me to take out another payment and I asked if I could move it back to the XXXX because our household is affect financially due to the Covid-19 pandemic. The man was rude and said we had an agreement but might allow this concession. He then told me he had to change our agreement to a higher dollar amount because there was a delay/payment reporting error in their system and they said the balance was XXXX and he would have to raise my payment to XXXX per month. I told him we had an agreement and I agreed to pay the promised amount per the 2 letters I received. He said he will draft new letters and disconnected the call. I called back and spoke with a lady that said the payment posting errors were my banks problem and I had to take it up with them. She stated the balance of XXXX and I can pay whatever I want and they will collect their money. She then said we had been on the phone too long and hung up. I was trying to tell her I agreed to pay the XXXX for 10 payments like we agreed to do based on my new payment agreement, but she hung up.
10/07/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IL 60148	Web
So I am FEMA and I only borrow five and {$50.00} but now its for XXXX because in four weeks I wanted to pay back but at that time they were rushing him up all my blitzing me like a football player and then they would rush me and then hang up and rushing out call back four times where they would call the top of me and I said heres the money to take it yes it is is it is it letting it and then many times I mean I had told him I even more than that Im and I said you go ahead and take the money and then we were not its not my fault they dont wan na pay ask it clears alone and I dont wan na be in that is your fault he been harassing her back and theres three times harassing you dont you dont you want no money that Im sorry I will keep an issue they probably is every two days until Ill give up because they were just literally I think theyre related to XXXX XXXX of extended stay over in XXXX hurry up XXXX because I dont even understand I thought the cash I took the visa I tell you she wont even excepted after that I tell you I think it was the same way I would know I thought I was I was looking I say why would you be here this week is such a scam I did not wan na waste the money aside for doing hair is her pain it was supposed you know how to boost the on-time payments or was it was it going to be on time and by then why is it when I knew she was going as you feel like no you cant pay me you cant pay me like you know what kind of person like you can touch that you can touch it but asking for my money at the same time that she sent me to collections to classes right now because I was supposed only pay for and 15 hours double almost imagine thats illegal that is illegal in a few months CDC too so thats against the interferes with federal law and management so please and you dont write her up because I think they should close down I think its going to run anywhere XXXX this is like the worst where situation where I mean they dont look to be out when youre XXXX you know that XXXX after we try to pay you dont even get to trust them because its constantly and Ill like basically Slappy back as you like a ping-pong ball or or just like on an alligator alliances one
10/14/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77096	Web
Re : Dispute of Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Dear XXXX I am writing to dispute a debt that you have reported to credit reporting agencies, which I believe is inaccurate and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and provide me with validation of the debt as required by law. Creditor Name : Cash Store I dispute the validity of this debt for the following reasons : Lack of Verification : I have never received any written verification of this debt as required by the FDCPA, despite my previous requests. Inaccurate Reporting : I have reviewed my credit report, and this debt is reported inaccurately. It does not reflect the true state of the account, and this reporting is in violation of the FCRA. Statute of Limitations : I believe that the statute of limitations for this debt has expired, making it unenforceable in my state. Under the FDCPA and FCRA, I have the right to request that you provide the following : A. Written verification of the debt, including details about the original creditor and the amount owed. B. Proof that you are licensed to collect debts in my state. C. Proof that the statute of limitations for this debt has not expired. I also request that you cease all communication with me, in accordance with the FDCPA, until you can provide the requested validation of this debt. Please consider this letter as a formal dispute and request for validation of the debt. Failure to provide the required documentation within 30 days from the receipt of this letter will result in my assumption that this debt is invalid, and I will take appropriate legal action to protect my rights under the FDCPA and FCRA. I look forward to your prompt response and the resolution of this matter. Please send all correspondence regarding this debt to the address listed above. Sincerely, [ Enclosures : Any supporting documentation you may have.
05/31/2017	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76244	Web	Older American
On Wednesday XXXX XXXX , 2017 an 'un available ' number repeatedly called phone numbers belonging to myself, my daughter and my ex husband ( divorced 13 years ago ) leaving detailed messages regarding a lawsuit filed and the need to serve papers to my home and threatening to contact my employer to serve papers. When the call was answered the individual identified himself as attempting to serve " sealed legal documents '' on behalf of my local county court office . When pressed for more information the individual indicated i had to call a different number to speak to the lawyers office who filed the complaint. The individual who called only provided his name as XXXX and represented himself as a legal process server f or my county. W hen pressed for a return phone number he hung up. I called the number provided to me and the individual who answered indicated she was a mediator attempting to resolve a dispute prior to it going to court. When asked what matter they were trying to resolve they indicated they were for a " bad check '' and " attempting to defraud a financial institution '' for a debt owed to the Cash Store. Although I have used them before I am not aware of any outstanding debt and the date she said was from last year, and the last time I took a loan from them was many years ago. When I attempted to ask them to remove the numbers for my ex husband and family I was rudely told that I called them and they do n't make outbound calls. At this point I asked to speak to a supervisor. I informed the supervisor that I needed the numbers marks as do not contact and requested and address and fax number for their company to send written requests and a cease a desist on the basis of their harassing calls. The agent told me they do n't make outbound calls and they had no address to receive mail to. She insisted the company who called me was a 3rd party and refused to give me their name and/or number. I was never read any disclosure that this was an attempt to collect a debt either.
06/19/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75052	Web
My first contact with this company was when my mother called me upset that she had received phone calls from someone threatening her, telling her I used her name as a reference with a payday loan from years ago and that I did not pay it and that they are trying to locate her. they gave her all of my information in an attempt to get her to talk to them, as she believed it was a scam. She called me very upset and told me about the phone call. around the same time, I received a call from a blocked number from a person who identified herself as a Mrs . XXXX and left no company name. The message stated she had received a location processing order through XXXX County to locate me at my home or place of employment. The Message gave my date of birth as well ( which is personal identifying information I was not aware a company could leave on a voicemail ). The voicemail threatened legal action and listed a " case number '' if I did not respond to the " complainant ''. I called back the phone number that was listed and the person was very aggressive with me. when I mentioned the information that can be disclosed to third parties and the tactics that can be used per the fair debt collection practices act, the lady at extension XXXX screamed at me and said I am going to court and hung up on me. I called back and spoke with someone else and they confirmed that the Mrs . XXXX that called me earlier pretending to be from XXXX county did in fact work there. they would not answer any of my questions and said I should get papers in the mail. I found out only through calling the number provided XXXX-XXXX-XXXX Ext XXXX that the company name is XXXX. I have been screamed at, threatened and intimidated into paying a debt I have yet to be able to get any information on. I have received nothing in the mail so far and my family members have been contacted with my personal information. Please help me stop this illegal and threatening collection against me.
06/15/2020	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	TX XXXXX	Web	Older American, Servicemember
On XXXX received a call from the Cash store manager my pymt was due. I paid via Debit card on the phone. The payment of {$230.00} didn't process because of an error on the store computer. The manager asked for the card # a second time and I suggested since the first one didn't go thru take out {$260.00} because I always pay more than the amt due. On XXXX I checked my bank acct on line and two payments were pending, so I called The Cash Store and informed the Manager of the mistake. She called the regional manager and informed me when the transactions POST to bring in the transaction history/stmt.. The payments posted on XXXX and I took the copy from my bank showing the name of the bank and the last four digits of the bank acct to their store. I was told if I brought that info in I would be reimbursed in cash @ the store and could put the money back in my acct. The employee faxed or emailed the copy to the Regional Manager on Saturday who works out of her home and I was told to check back Monday XXXX. This morning when I called the employee said the regional manager hadn't gotten back to her. It is now after XXXX XXXX CST and every time I call-still waiting for the Regional manager. These two amts were over {$200.00} each and I have other bills pending I need to pay for this month. I never received a RECEIPT via emailed as requested by me. I only have one payment left on the contract and it is due in XXXX. I can not afford for them to keep the extra money this month. I AM NEVER LATE AND PAY MORE THAN THE AMT DUE. I AM A GOOD CUSTOMER and should not be treated like a second -class citizen. If they are going to reverse the payment of XXXX, they should let me know something or if I get the cash I can put it back in the acct myself. I THINK WHAT THEY DID TO ME IS HEARTLESS AND CRUEL! I will eat bread and water before I do business with them again. I am a retired XXXX Citizen on a fixed income and they are ignoring me. Thanks, XXXX
10/15/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76063	Web
Corporate Office Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX RE : Accunt # XXXX ; CASH STORE-XXXX, TEXASXX/XX/XXXXAttn : VP-Corporate Collections, I am writing to notify you of my request for a Consumer Affairs investigation by the Attorney General of Texas Consumer Affairs Division . I took out a loan and records indicate the payments are not being processed as requested on XX/XX/2021. Please contact the XXXX XXXX XXXX location to correct this issue. I will not refinance a loan unless you provide documents indicating I made no errors in my loan processing/etc. Payments can be made with my credit card or checking account as previously requested. You can have someone from corporate contact me at the address/number listed above. This is the second time an error of this nature has occurred regarding a loan. A VP from Corporate call a few years ago to resolve the issue last time. The XXXX XXXX called on XX/XX/2021 and said I refused to make a payment on XX/XX/2021 by credit card. I dispute this statement. My {$1200.00} overdraft protection status at Texas XXXX XXXX is in place. I am waiting on a call back from Corporate. I spoke to three employees regarding noting the account about my concerns. I am not interested in refinancing a loan. Enclosed is a payment for {$370.00} dated XX/XX/2021. I want all future payments to be process as promised on the debit card until paid in full. The Cash Store call during the week of the high school shooting in XXXX, Texas ; however, as an XXXX employee I was not able to respond to any calls. I understand the bank approved the payment and you will process all other payments. I will do my best to pay this account off early. But, I will not return to your store locations. The employee I spoke to in collections surprised me by claiming no managers are available to speak to customers. Then, I was told corporate has no communication with store managers. Wow!
01/19/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 79938	Web
On XX/XX/XXXX I was contacted at my personal number by an individual claiming to be XXXX XXXX, he was claiming to work for XXXX XXXX XXXX. Individual called from XXXX, provided call back number XXXX. Individual had all my personal information. Including names of people in my household, SS number, and name of bank I used to bank with back in XXXX. Individual threaten to file a criminal case with the County for IBC and Defrauding a financial institution. Individual request payment for {$500.00} claiming to be owed to the cash store for a loan opened in XX/XX/XXXX. Individual request payment with a credit, debit, or prepaid card. Informed individual I would call back with information. After the call was disconnected I did some research. I contact the Cash Store for further information. No account was found with my personal information from XX/XX/XXXX. I googled clear source solutions wasnt able to find a company under that name. The only company I found was clear solutions. I contacted them and provided my personal information, no exiting account was found. I called back the individual claiming to be XXXX XXXX and requested individuals employer address he refused to provided the information. He stated, l make the questions and you answer, I will give you the address after you pay, what do you want the address for anyways. I replied, if Im going to liquidate a debt I have the right to have this information, he replied, stop calling me and disconnected call. Individual refused to identify his license number or send a notice in writing of debt he was claiming. When call came in it was a recorded line stating there was a pending summons linked to my personal information and I would be served by the courts, individual claiming to be XXXX XXXX also disclosed he worked for the government, with litigations. Tried to call back individual after he disconnected call, was unsuccessful reaching him again.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79603	Web
I have a loan showing open XX/XX/XXXX with the Cash Store, which I did not open any loans with anyone in XXXX. When I contacted the cash store on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX and XXXX they said they did not have a file for me and to contact Debt Management. I spoke with Debt management and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75460	Web
I had a Debt with The Cash Store that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, The Cash Store. I called The Cash Store and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. I have submitted a complaint with XXXX and tried calling XXXX back several times but they keep telling me that they do not remove collections. I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why The Cash Store and/or XXXX will not remove this last account but I would like it either done, or explained. Thank you for your time.
10/17/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 535XX	Web
A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
10/31/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75092	Web
I received a phone call from XXXX XXXX stating that I was going to be served at my job and arrested for an outstanding debt. I advised I could n't have personal phone calls at work and asked him to please not call again. He then called right back and got my office manager who he informed I would be served and arrested for felony theft charges tomorrow during business hours if I did not call him back within the next 30mins. Told her it was from XXXXXXXX XXXX and gave her my social and dob. Gave a number of XXXX to call back but called on a phone number of XXXX. I then clocked out from my job and went to the back where I lost time to talk to " Detective XXXX XXXX '' who had papers in his office with my ssn on them to serve me with paperwork at my job tomorrow if I did n't pay {$640.00} to them today. Said they would send papers to my employer stating fraud charges had been filed and that I passed a debit card and then closed an account. I said I never did that. I did change banks a few years ago but did n't recall owing anyone. He went on and on about how i would be arrested and he was sorry and that he could settle for XXXX today or if I would pay XXXX today then I would owe XXXX total with XXXX a month and he might could get his boss to let him file a hardship for me and take some money out of their escroe to pay part then i would only owe XXXX. I hung up. I have now attemped to call him back and it goes to voicemail and no one will return my call after i stated I had spoken to an attorney and needed a address so I could send a validation request letter to and have never received a call back. He had my office manager ready to fire me and has caused all kinds of panic. Also he stated he was from XXXX and XXXX and I have found no record of this lawfirm nor are they tied to the two numbers I provided.
06/08/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 76522	Web	Servicemember
I received calls today from XXXX XXXX XXXX, XXXX different numbers from XXXX different states all stating the same thing. " Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.
06/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 624XX	Web	Older American, Servicemember
During the beginning of XXXX, I applied for a personal loan with the Cash Store in XXXX, Illinois. This store is a division of Cottonwood Financial, XXXX XXXX XXXX, XXXX, Texas XXXX. At the initial loan interview and agreement I was to make one monthly payment because am on Social Security. The loan was for {$300.00} plus 20 % interest and to pay back {$360.00}. My initial payment was to be in 10 monthly installments. When I got the request for a payment, it was {$120.00} and a second one in the middle of the month, I was appalled at the values as I never agreed to any of the amounts they claim. They told me they were going to come into my account at the middle of the month and take a payment. I told them not to do that as I was broke and there was no money in the account. They did that anyway.I am now refusing to pay the account and they hide all the names of people to contact to straighten out the problem. My husband actually audited the account and fond out where the company slips in hidden money values, that are nor obvious in the document nor were ever brought out in the open discussion. I was born with XXXX and needed to have everything spelled out for me, but they only told me I can read the rest at home. They neglected to assist me with the knowledge of payments. My husband cn prove they are misleading, deceptive and intentionally fraudulent. This company has just lost a XXXX Lawsuit for over charging in interest and, I believe that shows fraud. I believe they should pay back my first payment of {$150.00} and be investigated for misleading and deceptive business practices, fraud and XXXX discrimination against me because my reading ability is not the best. An analysis of what they have done and an explanation are available on request.
08/19/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77082	Web
On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.
03/11/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	IL 626XX	Web
In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.
06/23/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 78745	Web
I originally borrowed around {$900.00} from Cash Store in XXXX on XXXX XXXX. I was XXXX and had a joint bank account which I had to close. They never got in touch with me, sent a letter that I received, etc. Later in XXXX of XXXX I got a call from an " attorney, who was not one. She was nice but threatened that they were going to file bank fraud charges, she then said that it didn't make sense as I hadn't committed fraud, and that I could handle it with a payment plan. XXXX, scared, and trying to get better I agreed to it. Now, in late XXXX inhad been getting a spam message, so I called. They answered saying, " Oh, they're going to have your drivers license suspended and take you to court. They are also going to file 3 bank fraud charges. '' I then told him that no fraud was committed, I had already set up a plan, and he agreed and said he didnt understand how they were going for all that when I had responded and attempted to remedy the situation. I told him I know that I didnt commit fraud, that I want ALL THE PAPERWORK DETAILING HOW AND WHAT THEY WANTED TO " CHARGE '' ME WITH. The debt is handled. The problem is that they are making all these threats " bad cop '', then having no attorney persons negotiate payments, issue threats, and give legal advice that often contradicts what they originally said and or did. If I didnt have legal knowledge, like many, they could really manipulate and hurt people. My understanding is that threats and harrassment can't or shouldn't be done by these folks. I would like to know ways, remedies, and what their legal obligations and restrictions are, so that I can be better informed. I feel what they did was illegal at worst and extremely shady and deceitful at best ...
07/28/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77346	Web
I received a payday loan from the Cash Store approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from XXXX XXXX XXXX. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. Cash Store said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
08/18/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78260	Web	Older American
I received a flyer in the mail with my name on it saying I was approved for loan. My car broke so I went into The Cash Store on XXXX XXXX on Texas. I went in and she said your approved for a {$1000.00}, I had to bring proof if my Social Security. She drew up the tags loan documents, you know as your signing upu don't read it all, I admit thus was my fault, She did say there is an advance of {$340.00} that we will have added to your loan. I left the the money wad deposited on my account. she also took my banking infand debit card information, said tje payments would come out in the 5th. The second mo th they started calling a lot and texting me saying your loan is due are ypu coming in to pay. I thought you were taking it out of my account That's when I started really looking at this thing. So the Cash Store was the loan company but they got a loan from XXXX XXXX which was pn the paperwork, also Cash Store is owned by Cottonwood Financial Okay I did receive disclosures to sign prior to signing the Lao agreement. my son was with me he will attest to this. TGE CashcStore isn't a lender but the advertise loan 's. Cottonwood Financial is a CAB credit services company, and Cash Store I guess is linked as one of Cottonwood Financial Companies, in order to client up front XXXX 's there must be a surety bondvon every location doing business this is where they hammer you They added {$34000.00} to my loan so they fir {$340.00} : upfront fir getting me the loan, thier service agreement is all mixed is so you don't realize it but niwvI am paying Tha APR on there advance money. The they said was 345 % it really was 545 % and they lied about and Cash Store isn't licensed running out if time it say
06/16/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77070	Web
I had obtained a payday loan and had problems getting it paid back. I hired the services of a company to help me resolve the debt which they are still working on. Today, XX/XX/21, there were numerous calls made to my employer from what was referred to as a company called XXXX. They first spoke with my immediate supervisor and then called again to speak to my general manager. They had called and left a voice mail on my work phone as well saying that they were trying to serve me papers but they would not identify what type of papers. After trying to call them several times without an answer I finally reached a man named XXXX who told me that the account had {$1000.00} owed on it and I was being sued for it. He identified me by an address I no longer live at and I did not enlighten him that I did not live there any longer. If he had my address then his story about being unable to find me to serve me papers did not make sense. When I told him that his story did not make sense because I had hired an agency to help me and I was under contract with them and would not break that contract to do what he was wanting and set up payments to him, he told me that it was ok and that they would go ahead and file the paperwork to have me arrested and prosecuted. I told him to do whatever he thought he had to do and I would as well. Thus I am filing this complaint. I know it is against the law for my employer to be contacted and this is not the first time I have gotten scam calls recently. This call was made from the number XXXX. I hope you can help me with this. XXXX XXXX
06/29/2016	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	IL 60178	Web
A lady by the name of XXXX XXXX fron XXXX, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
07/26/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	IL 601XX	Web	Servicemember
Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).
08/03/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76123	Web
I became default with a loan I received through Cash Store payday loans. When in default I also was in the process of modifying my current chapter XXXX bankruptcy. In doing so, I provided the company with the information to contact my lawyer and the bankruptcy number. Never heard from the company for over a year. Then, a collection agency called and mailed me a letter and basically stated that I needed to pay them in full and would not make arrangements other than the debt amount to be paid in full. I informed them that I could not make such payments and asked if they had contacted my lawyer regarding the bankruptcy. Again no further contact from them until they transferred the account ( I assume ) to another collection agency. This collection agency was so rude, yelled at me over the phone, called my references and had them so upset and disclosed so much personal information about me it was ridiculous. Recently someone left a message stating that they was taking the matter to civil court and provided me with a case number for XXXX county. Again, I asked them to send me information in the mail so that I can properly addressed the matter. I was informed that they will not send me any information and that I will just need to wait to hear from my county regarding the civil case. How is it that these collection agencies will refuse to provide me with any information and that the Cash Store continues to transfer my information to several different agencies? I need help to try to resolve this matter.
10/06/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	UT 84124	Web
I believe I am an " Affected Consumer '' as described in the Consent Order in CFPB File Number XXXX - In the Matter of Cottonwood Financial Ltd. XXXX XXXX Cash Store. In short, I obtained a loan from the Cash Store in 2018 and was making payments, but without notice the Cash Store closed its store where I was making payments, and did not provide any notice of the closing of the store or where to make my payments after the store closed. I was willing and able to make payments but did not know where I should make payments, and as I said, did not receive any notice of the closing of the store or where to continue making payments. A few years go by without any notice from the Cash Store, then suddenly another company, including perhaps XXXX XXXX or its predecessor in interest, begins calling me, my friends, and my family threatening being arrested and a lawsuit. Not once did they indicate what the debt was or to whom it was owed. They just continued to harass me and my family, making threats of being served and going to jail. When making calls to my friends and family, the company disclosed of my alleged delinquent debt. Then, as of XXXX of this year, I was sued by XXXX XXXX, a case still pending. I believe I have a claim against XXXX XXXX or its predecessor in interest for the above unfair collection practices. As described in the XXXX XXXX of the above XXXX XXXX. XXXX, I believe my current case is a " XXXX XXXX XXXX '' because it's based on the same facts as described in the XXXX XXXX.
03/10/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77099	Web
On XX/XX/2020 I was contacted by my father saying that someone had called him and my aunt looking for me. I have not had contact with either of them in a few years and was shocked as to how that happened when I myself do not have any contact numbers for either of them. I got the number and called. I also looked the number up but no information was found on it. XXXX. The lady informed me that she was representing a company called XXXX on behalf of the Cash Store and that they had no website or any public information. She said they were hired by the cash store to collect XXXX from me and that if I couldn't pay today using a debit card that they would come to my job and serve me. She said they will find my place of employment by using my social the same way they used it to find these numbers to contact relatives I myself do not have communication with. I asked her why any personal business matters or information was shared with a third party and she said " do you have the money today or not if not we are on our way to serve you at work. '' I told her I did not and she hung up in my face. How am I supposed to give out personal information to some random person who doesn't even have a way to verify they run a legit business? Furthermore, you are practicing illegal actions by providing ANY information to anyone aside myself. She even went as far as telling me my full social after asking me to verify the last 4 digits. Ma'am you are supposed to ask me to verify not tell me the entire number.
01/17/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44124	Web
I was first called by someone stating she was from the courts and was calling to see if I would be served at home or work? She gave me the phone number of the company. Also, had the wrong address, I was so nervous, I gave the correct address, the summon lady, did mention that they should have sent me a letter, but since I never got any letters from them and have moved from my previous address that they could not do this. But told me to call them. I called XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX XXXX EXT:XXXX they said if I paid something that it could stop the person coming to my home. I called and the company stated that I would have to pay that day and set up debit card payments, I paid {$84.00} but then they said that XXXX bought the debt from Cash Store. The only problem is that I have been paying on that debt with another collector Cottonwood Financial, which has sent letters and proof of my payment to my email every month. XXXX claims that Cottonwood is a SCAM, not to take to them. Cottonwood claims XXXX is a Scam. I could find Cottonwood Financial on the XXXX site, search by phone and name and both were found, but I can not find XXXX XXXX XXXX anywhere. They took a payment of {$84.00} even though, I have been paying Cottonwood Financial {$25.00} per month and have been on time. But both are claiming they are a fraud. Also, called Cash Store Corp. and was told that once they sell the loan, they have nothing they can provide as proof, I own {$1500.00} remaining.
02/10/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NY 10452	Web	Servicemember
I had taken this loan out in XXXX while i was stationed at XXXX XXXX XXXX. I was XXXX years old when i needed cash because i found out i wasn't going to recieve a paychecl due to a XXXX XXXX XXXX problem with the Finance Department. I made a few payments but was unable to keep up with the interest rates. I got out of the Military XX/XX/XXXX. I never received a single phone call from the company to resolve the debt, not one. i never received a bill in the mail - and i properly change my address upon each move i have ever made - with the USPS. here we are now in XXXX and i receive a phone call from Law firm that they are taking me to court in XXXX ( I live in XXXX ) the first phone call i received was Last week on Thursday but they didn't answer - i just remember the wait time music. so when they called today i heard the music and thought, " Oh this is that weird phone call i got last week, i wonder what this is for? '' so when they picked up and explained the situation it all made sense. so from XXXX to XXXX i had never received a call, or bill and still haven't. they allowed me no turn around on going to XXXX to answer the summons, and i haven't even received a summons formally in the mail as of yet? In XXXX i filed Chapter XXXX Bankruptcy and was under the impression this was covered under the loan. I was unaware of the Military Lending Act At the Time i applied for this payday/cash loan. i was also unaware of the Civil Servicemember Reliefe Act.
11/27/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	UT XXXXX	Web
I got a loan from The Cash Store In XXXX, Utah. I explained to them when I got in there that I needed a loan, easy to pay, no gimmicks, no games. They assured me that their pay off process was simple, it was not only so confusing, deceiving but also they make it impossible to pay off your loan. This institutions shouldnt be allowed to operate. I borrowed {$1000.00}. After several payments which totaled over {$400.00} In a short period of time I still owe the ssme amount. They dont have a Office toncall, when you call is redirects you to the same location or the nearest one. When trying to pay early they refinance you and get you into further debt. When trying to make payment over the phone, they dont allow it. When you ask them for an app or a website to pay, they dont have one. Their schedule is short XXXX to XXXX Monday to Friday so a lot of people can not make it in person to make their payments. Saturdays they only open XXXX to XXXX XXXX very short to avoid people from paying, Sundays is closed. They only allowed auto payment on the interest but not on the balance IT IS SO FRAUDULENT. I want federal and state agencies to investigate this company. I bet you there are so many people owning forever and just paying interest with this company payoff practices and process. It is setup in way that you dont pay the loan off. I am seriously concern, upset and worry not only for me but a lot more people that for sure have the same problem or worse.
05/15/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Web
XXXX XXXX XXXX has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
08/21/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78748	Web
I have made a few attempts to make a different arrangement to pay back this payday loan, I can not afford the XXXX withdraws The Cash Store debits my bank account any longer, I have spoken with XXXX the store manager at the Cash Store XXXX XXXX XXXX XXXX XXXX Texas XXXX, she informed me that I made an agreement with the store and signed a contract, which I did, she said she could not help me with any other type of arrangement and refered me to Cottonwood Financial, when I spoke with XXXX from Cottonwood he informed me that he did not have any of my information beacuse I had not defaulted on my loan at that point and I would have to wait XXXX weeks after I defaulted, before he could even talk to me, I explained to him I want to pay my loan I just can not afford the XXXX withdraws of {$240.00} bi-weekly, he was extremely rude and ridiculed me saying he could not help me with anything until my account made it his way. The Cash Store and Cottonwood are incabale and unwilling to help me make different payment arrangments, I am stuck, I can not afford this, my finaces are spinning out of control because of this payday loan, and no one on their end can help me resolve this loan, Its simple I want to make less payments per month. I wish I had not been so confused with all the paper work and understood more of what I was getting myself into. Bottom line is I do not know where to go from here.
08/01/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77386	Web
I recieved a call for a woman XXXX XXXX who informed me she was from a company called XXXX XXXX XXXX XXXX and she was collecting a debt from a payday loan from XXXX from The Cash Store. I was told i owed over {$900.00} almost {$1000.00} and i needed to take care of that debt. She said if i didn't take care of the matter right then iwas going to be taken to court for a civil and crimal suit. She knew everything about me including my social. She said if i didn't pay the county clerk would be contacting me. Well, on XX/XX/XXXX someone supposedly from the county clerk called me but then transferred me back to the same people from payment to keep it out of court. Not remembering that I've already paid my balance owed on that payday loan, and being threatened with lawsuits and jail time, i paid only to then do my research and contact XXXX XXXX XXXX the company i remember paying on a payday loan i did have. The same loan i paid off, these people from XXXX and XXXX which i found online to be an interior design compamy out of XXXX N.Y charged my account for {$500.00} which they said was a payoff amount for paying right then instead of being charged the higher amount of over {$900.00} if i was on a payment plan. I've already contacted my bank, canceled my card and am attemped to to file a dispute hoping the money will be returned to me. What else can i do?
11/03/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	TX 76904	Web	Older American, Servicemember
XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1 month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.
07/03/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	IL 62901	Web
I had informed Cottonwood Financial/The Cash Store that I would be unable to make payments on my loan because I was out of work due to the pandemic. Theyre only solution was that I could put off 1 future payment, but I would be charged for two payments on the paydate. I thought they would honor a doctors note from when I first got sick. The store employess said they faxed it over but Cottonwood Financial did not respond. They continued to charge my card on various random dates, even though I made them aware I got paid on the same two dates ( XXXX and XXXX ) of each month. Its almost like they did it on purpose just so I could default on the loan. At one point I even became infected due to the virus and had to self quarantine. I provided them with a doctors note like they asked. They did not honor the doctors note and continued to charge my card which kept putting my bank account in the negative, which the bank would subsequently charge me a large fee for. It didnt make any difference what days I told them I got paid on. They intentionally do this so you can default on the loan. Since then, a small payday loan of {$600.00} is now valued at {$1400.00} that I would have to pay back because Cottonwood Financial repeatedly tried to access my account even when I made it clear there were no funds and the amount would bounce back.
01/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77493	Web
Around 4 years ago I received a loan from the cash store and requested a 50 % reduction in finance charges from a couple that had been sent to me via email. That coupon was never applied but the cash store has continuously attempted to collect the fees from me. Additionally, they have now reported this as of XXXX to the credit bureau. In XX/XX/XXXX I contacted the cash store and rescinded my authorization to debit my account because out of no where-the attempted to debit my account even after I was told that because of the coupon that the debt was settled- on the very day I contacted them they debited my account and acted as if they were not aware until after the debit. They also repeated contact my references even after and my references asked them to stop and let them know it was a debt by telling them that they were calling from the cash store. finally they would call me on Sunday afternoons between XXXX XXXX which I don't believe they should have been doing. I filed a complaint XXXX/XXXX and XX/XX/XXXX. Since then there have been random phone calls from the cash store, using unknown numbers to me. It is my understanding that there was a ruling against them for some of these reason and they were also supposed to remedy this for consumers affected. I was XXXX of the consumers affected and have received no remedy.
05/16/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 786XX	Web
This company contacts me and my family members and/or friends DAILY, and often multiple times per day for various telephone numbers, regarding a debt that is possibly 7+ years old. According to FDCPA, the company and its collectors have committed the following violations : - Call repeatedly or continuously, - Use obscene, profane, or abusive language ( at least two recent occurrences ), - Call at times the collector knew or should know are inconvenient ( e.g. " back to back '' ), - Threaten action they can not or will not take ( that they will " serve me '' at my place of employment - which I welcome since I work at a law firm that will gladly sue the collector ), - Illegally inform a third party about your alleged debt, - Repeatedly call a third party to get your location information, - Fail to send a written debt validation notice ( which I have requested on numerous occasions ), - Ignore your written request to verify the debt and continue to collect, and - Continue collection attempts after receiving a cease communication notice. Please note, the statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ).
12/13/2015	Yes	Payday loan	Can't contact lender	TX 75078	Web
I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in XXXX, TX. The loan sad for {$1200.00}. After securing the loan, my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state, when in fact, I never wrote a check. I only gave my debit card and they checked to make sure the account was active. I never got anything in the mail from this company, stating that I needed to retain legal representation, just a call from an attorney from a XXXX number stating that I needed to get an attorney or one would be appointed to me. They also stated that a warrant would be issued XXXX my arrest and that fraud would be placed on my record. The actions this company is taking in the state of XXXX is illegal. It is illegal for someone to be arrested for a payday loan in the state of XXXX, yet, they have threatened to do so. I want people to know that this is illegal. Is there any way you can help me get this taken care of? Thank you in advance!
06/03/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	ID 83634	Web
XX/XX/2022 The Cash store calls me at XXXX MST - Missed call The Cash store calls me at XXXX XXXX - Spoke to XXXX where she gave me a courtesy call to remind me that the first payment of my installment loan was due on XXXX. I advised her I'd be in afternoon of XXXX to make the payment. XX/XX/2022 The Cash store calls me at XXXX XXXX - Spoke to XXXX where she again reminded me of payment and asking when I'd be in. I again advised her I'd be in later in the afternoon. The Cash store calls me at XXXX MST - Spoke to XXXX AGAIN, where she asked, again, when I'd be in to make the payment. I advised her after XXXX. I arrived around XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX and paid my installment loan where XXXX asked me, " So who's your new employer? '' I asked her what she was referring to and she responded that she had called my job and they advised her that I no longer worked there. I had been laid off on Wednesday XXXX. She called XXXX times over the course of a XXXX hour period where I had actually spoken to her on the 2nd call. I asked her about this and she insisted that they were all courtesy calls ; which of course, after the 1st contact, is no longer a courtesy and is harrassment.
07/01/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77380	Web
A company by the name of XXXX XXXX XXXX XXXX XXXX contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of Cash store but I've reached out to Cash store countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation
01/14/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	ID 83651	Web	Servicemember
I received numerous calls from an unrecognized number. When I answered on the fourth attempt it was a robocall but it said my maiden name so I listened. It was very vague, did not give a company name or any details but said that my credit was going to be affected if I did not settle. I called the number and a gentleman answered. He did not give company name or any information and started verifying my name, DOB and social. He said he had a copy of my drivers license and bank information. He said that I had taken out a loan through The Cash Store. It was confusing and he wasn't answering my questions so I just said, I filed bankruptcy so if this was mine, it should be covered under that. He said payday loans aren't always covered under Chapter XXXX bankruptcies because the company gave me money so I can just settle this with him now and be done with it. It all seemed very strange so I called back and a lady answered the phone but was extremely rude and aggressive and refused to tell me what company it was. I continued asking to know what company it was or for a statement to be mailed and she said by law she doesn't have to give me any of that information and hung up on me.
04/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76123	Web	Servicemember
On XX/XX/18 the company was initially contacted at XXXX XXXX and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX . This is fraud and unacceptable.
08/23/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 83709	Web
I took out a loan from the Cash Store approximately 5 years ago for {$800.00}. I was unable to repay it and the Cash Store sold the debt to a collector. This is the second time that these people have contacted me in the last 3 years. Each time they have refused to send my something in the mail because they said they have already done so and that is that. I have n't received anything in the mail. Yesterday ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) called me and I told her that I agree that I owe the debt. I said that I would n't pay them until I received something in the mail that showed the amount owing and the company that I 'm giving the money to. She was hostile and refused and would only send me something by email which I said was n't sufficient or proper according to the Fair Credit Act. She asked me what I borrowed the money for and I told her it was none of her business. I also told her not to call me at work. Today ( XX/XX/XXXX ) her counterpart called my work. I want to pay this but am afraid of giving my bank information to a company that is not legal and they will pass the debt on to another and I will end up paying it again and again.
07/01/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WI 544XX	Web
Ive been contacted by someone that is apparently from XXXX XXXX XXXX telling me they were from the legal proceedings department and that I need to resolve the debt or I will be sued for breach of contract and defrauding a fdic institution. I asked for verification of the debt and then if I owed it I would resolve it after I saw the documentation. They refused to provide any stating that they can not because of some reason. I was eventually transferred to another lady who was XXXX and stated that she didnt care if I paid or not they would take legal action against me and if I wanted documentation I needed to go through the chain of command to get it. No one is providing anything. On top of that phone calls were left with 2 relatives of mine and a friend all staring the same stuff. A relative called back, the person did not verify anything but a birthday and told the relative all this stuff about suing me and the supposed debt. I am very unhappy about the whole situation. I cant find out if the debt is legit, I can not find an address, get a phone number to call and I am not okay with my information being given out and being threatened.
07/20/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 774XX	Web
I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a {$800.00} payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hold me without bail ... And say i have committed a felony. They will not provide me with anything in writing and want me to use money gram to transfer or wire the funds. They constantly pose as police officers and/or attorneys or investigators in XXXX XXXX. I have contacted XXXX XXXX court, and none of them are legit. No matter how many times I change my number they harass and leave threatening voicemails for me and my extended family. I feel the Cash Store has sold or shared my information illegally.
01/27/2020	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 294XX	Web	Servicemember
In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The Cash Store in XXXX Co Utah. I have never been to Utah or had business with a Cash Store. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and XXXX. XXXX is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number. My credit has always been perfect and I am a 38 year military veteran with a security clearance. The collections have destroyed my Credit, ruined my life and caused me to lose my security clearance and job. I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.
11/21/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75081	Web
XX/XX/2019- The debt agency has been reaching out to my contacts multiple times a day, being really disrespectful, yelling at them and leaving mean messages. XX/XX/2019- i contacted the agency, questioned why was i never contacted directly, but instead reaching out to my references first. My references have advised me of the contact, i contact the agency directly. And the rep by the name of XXXX was super rude and threatening to file a law suit and even send " documents '' to my place of employment. XX/XX/2019- the repeated calls still continued early mornings to my references. I contacted the agency, and she basically advised me that she has no control of how many times this " third party company '' can stop calling. She refused to send me a attempt to collect a debt letter or anything in writing for that matter. And also refused to tell me who is this agency that keeps reaching out to my references multiple times a day. She told me that IF and when i did recieve documents that it would be too late for me to settle my debt. That at that time i would have to settle in court.
07/11/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 85353	Web
These people keep calling me saying I owe a payday loan from 2015 to The Cash Store. ( The store is located in a state i have never lived in ) They called my mother and my sister in law stating I wrote bad checks and that I have a warrant out for me. I have never taken out a loan or written bad checks. I called them back and tried to get their address and business name. They refused to give me their address but gave me their name as XXXX XXXX XXXX XXXX. They got very aggressive with me when I refuse to give them any personal details until I verified if they were legit. He said I was going to be served with court papers if I didn't pay. The man then stated my full social security number over the phone in front of at least 2 known workers and my date of birth. I asked him to send me an email with confirmation of who they were again he became aggressive. This is the 2nd time I have tried to dispute this claim with this company and they won't stop harassing me and my family. I'm afraid that these are scanners because now I know they have my full social security number.
11/19/2015	Yes	Payday loan	Charged fees or interest I didn't expect	LA 711XX	Web	Servicemember
I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.
05/15/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 765XX	Web	Servicemember
My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at first I was in legal trouble. It come to find out the Cash Store contacted a collection agency called XXXX XXXX XXXX at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every XXXX weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.
01/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 622XX	Web
Cottonwood Financial sent me a letter dated XXXX/XXXX/16 but they sent it to collections about 2 weeks later, I was never given an opportunity to make arrangements. I received a call from XXXX XXXX XXXX, XXXX of the reps called me a liar. I advised him that I am working with an attorney on several options that may include filing bankruptcy but its not my only which I told Cottonwood Financial and the collection. I do n't know why they sent me a letter dated XXXX/XXXX/16 but sent it to collections 2 weeks later. Why would they do that? The rep at XXXX XXXX XXXX was very rude towards me because I told him I did not know if I could file bankruptcy, he tried to put words in my mouth. One of the options given to me is to pay the company back what I owe them which is {$600.00} and I already gave them {$120.00} so if they will accept the {$470.00}, I will mail them a money order to their corporate address in 3 weeks after this agreement is accepted. This situation is becoming unbearable at this point and I do not want to lose my job over this.
05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NM 877XX	Web
I got a phone call from a woman from XXXX XXXX XXXX saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.
12/22/2015	Yes	Payday loan	Can't stop charges to bank account	TX 754XX	Web	Servicemember
XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane
01/24/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77478	Web	Servicemember
I took out my second loan with the cash store in XX/XX/XXXX with plans to pay it back. I do not remember the exact date because i no longer have the forms. Due to an unfortunate change in jobs and income, i wasnt able to repay the loan as i had planned. Around XX/XX/XXXX their collection agency called me and asked about the money and if i had it. When i said i didnt have the money and i wasnt sure when Id be able to, the guy on the phone immediately threatened to sue and said i could go to jail. Now on XX/XX/XXXX, i received a call, not even sure from who. Threatening to take me to court unless i decided to make a payment arrangement of some sort. The lady on the phone not only had an attitude, but after i said i didnt plan on going to court. She explained that they would take me if i didnt make some sort of arrangement and when i said okay she immediately said we are going to take this to court then, thank you. Bye and hung up the phone. Im not sure if this a scare tactic or an actual problem.
05/09/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WA 99206	Web
On XX/XX/XXXX I made a payment arrangement of {$60.00} per month on a little over {$1000.00} balance I owed to The Cash Store located in Post Falls, ID.XX/XX/XXXXwas supposed to be the next payment and it was not debited from my account so later in XXXX I made a {$120.00} payment, {$60.00} for XXXX and {$60.00} for XXXX. Granted I talked to two different people for these payments. I immediately started getting phone calls everyday and I ignored them because I know I dont owe anything until XX/XX/XXXX. The Cash Store called me from a different number and I talked to a different lady who said a $ 60 month payment plan was n't their policy on a {$800.00} something balance that has been unpaid for so long. I asked if their other employees were improperly trained and she said " apparently ''. I feel like this is harrassment because I had a payment arrangement set up between two other representatives. I 'm not getting yanked around like that so I hung up and blocked their number.
02/14/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	IL 625XX	Web
XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
05/05/2015	Yes	Payday loan	Can't contact lender	UT 84047	Web
A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.
11/07/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 761XX	Web
I have received and loan dept collection notice regarding and loan dept from XXXX XXXX XXXX XXXX on XXXX XXXX regarding and loan dept of the amount of {$700.00} dollars. After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent out the Power Of Attorneys Authorization to communication form to call and contact them regarding my loan dept with their creditor The Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX and to them as well on XXXX XXXX to call and contact them directly as my Legal Deptment Management Program Power Of Attortney Record to direct all communication with them to settle dept loan payment and to cease and desist any communication with me regarding the loan dept. And XXXX XXXX Went to on XXXX XXXX sending and threating collection notice of loan payment to me instade of calling my XXXX XXXX XXXX XXXX to set up dept loan settlement payment arrangement with them to settle my loan account.
11/03/2016	Yes	Payday loan	Payment to acct not credited	WI XXXXX	Web
XXXX County Wisconsin case numberXXXX After multiple delays from XXXX Law firm in XXXX, ( misplaced files, illegible records ) The judge ruled in favor of Plaintiffs motion for summary Judgement granted. I had no clue or knowledge of terminology or proceedings. I have receipts showing at least XXXX payments were made on a {$1500.00} Cash Store loan. Yet the Judge ruled that the Plaintiff judgement of {$2200.00} As of XXXX XXXX, 2016. Now XXXX XXXX Firm is adding fees, interest, penalties and garnishing my wages from USPS! Now they XXXX payment owed is {$2300.00} and the USPS wants to add on {$80.00} for garnishment fees. Help How to I get resolution on this matter and stop all the penalties fees and expenses and pay just what is owed to the Cash Store. Am I able to appeal this ruling? It is also going on my credit score. Thank You for legal referals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
12/30/2020	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL XXXXX	Web
Debt originally owed to Cottonwood Financial, dba Cash Store, I am unaware of the amount due to that the current company, XXXX, will not provide me this information, nor will they provide me a mailing address for correspondence. I have received repeated threatening calls from XXXX XXXX who identifies herself as a Compliance Officer who accuses me of negligence, and that a Process Server is being dispatched to my home and place of employment. She is also calling the references that I provided at the time of the loan, threatening them stating I have not been in communication although I have on several occasions. She indicates that I have the legal right to contact the office that is processing my case, she provides XXXX and a file number. Each time I contact that number I speak with a rude and abusive gentleman who refuses to provide me any information other than who the debt was owed to, which I already know.
12/09/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 763XX	Web
In XXXX of 2021 i took out a {$900.00} title loan from The Cash Store. I made my XXXX, XXXX, XXXX, & XXXX payments of {$320.00}. So right there ive already paid balance, but in XXXX unemployment was cut off in texas and I could not make last payment. Well in XXXX I was able to pay on loan and it shouldve paid it off, but they made me refinance it for {$500.00}. I made the {$300.00} XXXX payment and the {$210.00} XXXX payment but in XXXX I got XXXX and lost my job. Now they are wanting to repossess my only vehicle ( for myself and XXXX kids ). They are charging over 300 % interest. Someone please help me. Ive paid off what was borrowed plus more. The paperwork from XXXX shows i refinanced {$550.00} plus fees for a total of {$710.00} ( after already paying {$1200.00} towards for amount ) but the break down payment schedule shows I will pay back {$1200.00}. Thats {$2400.00} for a {$900.00} loan.
09/28/2015	Yes	Payday loan	Can't contact lender	TX 78249	Web
I have a payday loan through the Cash Store located on XXXX XXXX XXXX, XXXX, TX XXXX. I defaulted on my payments, so I have been dealing with their office calling me multiple times a day on my personal and my work phone. They have been calling me on a multiple line office number, which is used only for customers since I work in the healthcare field. I called the Cash Store on Thursday, XXXX XXXX, 2015 to let them know that I needed them to stop calling me at the multiple line office number and that if they needed to reach me, they could call my DIRECT work phone line or they could call my cell phone. However, they attempted to call me again on XXXX XXXX, 2015 after I had already discussed this with XXXX ( the manager of this branch ). I am in contact with a debt consolidation organization here in XXXX XXXX to discuss my options to deal with all of my debt so I can hopefully be debt-free soon.
08/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76140	Web
I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR {$400.00}. THE APR IS 581.71 % AND THE FINANCE CHARGE IS {$770.00} LEAVING MY TOTAL PAY BACK AT {$1100.00}. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL XXXX 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE XXXX AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL XXXX 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!
06/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77066	Web
I borrowed {$980.00} from the Cash Store on XX/XX/2022 my payments are listed below : XXXX/XXXX/2022 -- {$350.00} XX/XX//2022 -- {$100.00} ( refinance ) XX/XX/2022 -- {$220.00} XX/XX/2022 -- {$250.00} On XX/XX/2022 I asked what do I owe to pay off this loan and I was told I owe {$700.00} more when I question the amount that I still owe I was told that my interest rate is 568.95 % for 12 months however I am charged an interest rate for 12 months although the loan is for 6 months because we have the option to refinance. I was told that the total amount of the loan is {$3000.00} to pay back and if I pay if off early I have to pay half of that. I informed him that if I was told that I had to pay {$2000.00} back for a {$980.00} loan I would have never agreed to that. I informed them that I can not afford to pay this back as I do not have that kind of extra money laying around
11/28/2016	Yes	Payday loan	Can't contact lender	TX 77381	Web
XXXX keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made 1 payment of {$77.00} then 2 further payments. they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION
02/21/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	KY 40403	Web	Servicemember
A company XXXX XXXX called my number asking for my wife. XXXX associate says his name is XXXX XXXX - phone # XXXX I tried to call this number back and a recording says it's a non working number. He gave me a case # XXXX Says it is a Formal Complaint originated XX/XX/2014 and did not want my wife to miss her court date. Proclaims she got a loan from the The Cash Store. Originated XX/XX/2014 Debt proclaimed owed= {$1000.00} My wife nor I have never requested a pay day loan. He said that the birthdays do not match and the social did not match. I only gave the last 4 of my wife 's social. He said the complaint was for XXXX XXXX at our correct address, but birthday and social did not match and he would clear it up. This was the end of the conversation I am worried this is a scam and I gave to much information. My wife also received a similar call last week.
12/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 61265	Web
On XX/XX/XXXX I received a flyer in the mail stating I was pre-approved for a loan. I followed the steps to apply online and was approved for {$840.00}. On XX/XX/XXXX I went into the store to complete my application and provide the required documents ( Drivers License, bank statement, debit card, and proof of income ). When the agent looked at my income she said they couldnt accept TANF as proof of income ; I challenged it and she asked another lady in the store. The other lady made a phone call and stated the same thing. I asked for a statement of denial. I called the number on the statement of denial. The agent there asked if she could contact the location I went to and call me back. When she did she said the same thing about my income. I repeatedly told them they could not deny me simply because I receive cash assistance, that was to no avail.
01/07/2016	Yes	Payday loan	Payment to acct not credited	TX 78626	Web
On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!
10/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78745	Web
Yesterday, I went to the Cash Store to see XXXX XXXX who is a manager.She was not willing to change date of payment. I told her I have another loan in same day each of monthly. I will have to pay {$65.00} to the Cash Store every month but my main concern they are rip off {$65.00} is too much. I loaned {$190.00} it should be low payment installment. She was refused to move payment XX/XX/XXXX instead of XX/XX/XXXX.But I would still refuse to pay to due XX/XX/XXXX until we agreed. Other guy employee said first month to pay {$65.00} then second monthly will be reduce {$58.00} but I did not understand why XXXX was not aware of this. I will address to the U.S.Senator office and contact FTC. Loan payment too higher might be not appropriate. I will contact you on Monday or Tuesday. Ps. I will request make a copy document from Cash Store next week.
10/03/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78217	Web
I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.
01/03/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 765XX	Web
I am unaware of when this loan was taken out. I was contacted by XXXX about an outstanding balance from The Cash Store. I ipted to make payment arrangements rather than fight the balance. I subsequently was diagnosed with XXXX and had emergency XXXX to remove my XXXX and XXXX. I have been receiving XXXX and have been unable to work during treatment. I was able to make my payments until I ran out of money XXXX weeks ago. I have received threatening phone calls from XXXX XXXX at XXXX ext XXXX. She told me I needed to pay my bills if I had XXXX or bit and that she would send this to local law enforcement. I told her to send me any and all correspondence via mail. She has then proceeded to reach out to others via XXXX profiles and harasss them saying she needs to find me. Yet I have given her my address and phone number.
03/26/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 756XX	Web	Older American, Servicemember
This company they say they are collectors from The Cash Store. But they are demanding money when they call and it can't be made after the phone call. Then they want to send to court house so they can have a warrant issued for me. But when I ask to make arrangements they refuse to send me paperwork by mail, they sent an email that said who I owed and that was it. They are calling people we don't even associate with. Plus family members we don't talk too. I have never out a family.member down as a reference. My husband is XXXX and when they call him it makes him go into a XXXX XXXX with the threats. Yesterday they demanded money before we hung up. I told them I had no idea who they was but they said they was legit but I'm not sending them money. Please have them stop calling us and other folks.
10/27/2020	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77586	Web
On XX/XX/20 a number called my father who I haven't spoken to in years and told him I was in trouble and had a pending case against me. Then she called my mother and identified herself as XXXX XXXX. She then became interrogating my mother asking if we live together and telling her I was in trouble as well. This number has only called me once and should not be contacting my family telling them I am in serious trouble. Once I called the number she gave my mother, it was a preceding office stating the cash store filed 3 charges against me. The cash store is also stating I owe them XXXX when I really owe them XXXX. I do not agree with their communication tactics as I haven't received anything, but 1 phone call which was this morning, XX/XX/20, and for them to harass my family is unacceptable.
04/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 758XX	Web	Servicemember
on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.
08/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 787XX	Web	Older American
This collection agency, XXXX XXXX XXXX, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " Cash Store '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.
12/02/2019	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	TX 758XX	Web	Servicemember
debt collection company called XXXX XXXX XXXX has called my home many multiple calls since XX/XX/19 claiming some type of arrest warrant was issued at county clerk office in my county and i was to be arrested at my home or at work and to be sure i had a proper government id when they arrived if i don ; t pay them a debt that has been disputed for lots of years with no solution in site .they also called every one in my family multiple times discussing my debt and asking them would they pay up my debt collection also .they call a lot on fridays and say that by monday if i don't send a payment by prepaid debit card that everything will be sent to local county clerk office, but every one knows that no one ever come to my house .its just a scam that they do on people to scare them.
03/09/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 794XX	Web
My truck was stolen in XXXX, which had my purse, my checkbook and all money I had on hand. Went to the cash store and asked to do smaller payments instead of XXXX every two weeks, was told there was no way to do that. Asked if I could pay a XXXX a week until paid off was told no that I had to have the XXXX every two weeks. I have no way to pay for this when I am still having to pay all the other bills, on top of that had to buy plane tickets to get home from XXXX, plus extra nights in hotel to wait for police report, XXXX XXXX etc. didnt wan na leave XXXX without knowing for a fact I wouldnt get my truck back. I had to close my accounts to all banks and credit cards. I just needed them to work with me, since they wouldnt I couldnt put the loan like they wanted.
12/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 622XX	Web
the cash store was notified that I was filing bankruptcy and we gave the name and address and phone number to the lady working there. the company and its corp. began calling me multiple times .I gave them the same information and they continued with the calls .One call I took the person told me that it would be paid bankruptcy or not. you owe it you'll pay it! this was an every day and most times several times a day thing. My stress level was extremely high .I ended up in Hospital 3days I have a call list that consists of16 from XX/XX/XXXX -XX/XX/XXXX and that's not all. They also called my wife 's phone several times and a reference friend was also called several times. My wife was in process of giving information and was hung up on. this is uncalled for.
02/18/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 751XX	Web	Servicemember
On XX/XX/2021, at XXXX XXXX, XXXX, and again at XXXX XXXX Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my phone back to back and threaten to sue me, take me to court, and garnish my wages for a payday loan that is old on behalf of the Cash Store. I advised I have not discussed or talked to anyone from the store, or agreed to any settlement, or anything she claimed. she got rude, and said she will call my employer and garnish my wages, after she locate me, and serve me, and take whatever she wants out of my house. During a global Pandemic, and a Natural Disaster in Texas, we are without power, lights, and water, and she calls with this nonsense, I have enough going on in my life, and should at least of all have to deal with this.
05/30/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	IL 612XX	Web
I received a letter from the original creditor on XXXX of 2016 with all documents stamped as paid XXXX XXXX 2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls from XXXX XXXX saying it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.
01/15/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 75025	Web
At XXXX XXXX on XXXX/XXXX/18, I received a call from cotton wood financial in regards to a debt of XXXX I owe. The debt collect ask if it was me after I confirmed it was me and my information she immediate escalated her attitude and became very rude and questioning my integrity. I have escalated on the call and she returned the profanity. I have been working with he company to resolve my debt and have already paid half of what I owe. I had called back and talk to a supervisor in regards to their debt collections procedures and policies in regards to her blatant disrespect and escalations. During the first part of the call my demeanor was calm and professional until the rep XXXX had became offensive, duragatory and rude.
02/15/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77505	Web
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. I called them and said I needed info sent in writing. Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.
12/11/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 622XX	Web
The Cash Store continues to call me while I am at work, even though I left XXXX messages telling them that I work from XXXX-XXXX Monday through Friday and may have to work some Saturdays depending on workflow. I just starting working at this job on XXXX/XXXX/XXXX and I am on probation until XX/XX/XXXX. I work in a call center environment and these calls are disruptive to me because I ca n't take their calls because I am at. I did speak an attorney and he advised they are suppose to call him during the times I asked them to. Their continuous calls are stressing me out and would rather communicate with them through written communication only. If I lose this job, then they will not get anything from me.
11/03/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 55420	Web
The original company is the cash store. I have been in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly asked them to send documentation showing the debt and also for them to provide their company address to send a debt validation request to. They refused and said they don't have to. They threaten court proceedings but will not provide any documentation at all. The names are XXXX XXXX and XXXX XXXX. Phone numbers I have are XXXX, XXXX, XXXX, and XXXX. They contacted my cousin which his name and number were never given to them. They fail to provide any documentation or their company information to get validation. This company refuses to provide any documents and just makes threats to sue
08/03/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77414	Web
Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.
02/23/2017	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	TX 750XX	Web
I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.
10/19/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	ID 83686	Web
There is a woman who calls me over and over leaves threating messages that she is going to locate me, call my employer ( which they did ), has contacted my family and friends telling them these same threats. I get multiple calls a day from XXXX & XXXX. THE XXXX phone number never tells me where shes from just that she is location services. The XXXX number wont tell me who they are either and tell me the person calling from the XXXX phone number is the XXXX county clerk and I have verified that they arent. The XXXX number wont tell me who they are or provide me with any written documentation. I called an attorney office who contacted both numbers and they said it was a scam and to report them.
08/01/2022	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78550	Web
I am getting threatening phone calls saying they're going to garnish my wages calling from an attorney 's office and that they were going to threaten the payday loan to court the phone number that they're calling me on is XXXX they called me XX/XX/XXXX around XXXX p.m. I told the representative that that loan was not taken out recently it was taken out many many years ago so it should have already been taken care of and off my credit I did advise the representative that all calls were going to be recorded and she advised me that I'm not recording the phone call I have asked them before to stop calling me and they still are threatening me with this They are saying it is from The Cash store
03/04/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 75703	Web
I have talked to a guy in XXXX who forced a payment plan for XX/XX/2021 after I told him I no longer work due to my husbands XXXX. XXXX insisted I had to or he was going file criminal charges but I could call closer to date for other arrangements. No signed documents or agreements were made by me. Cash store attempted several times after I was able to make a payment in XXXX to continuously debit my account and refuses to take my bank account information out of their system bc they said they have a right to do so. They continuously call and mail letters to myself and references harassing and threatening us with a lawsuit for criminal charges. They doubled the interest and price of loan.
03/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75224	Web
Applied online for an installment loan and went to Cash Store in XXXX, TX with reference number provided. Provided my paperwork and gave my social security number. That claimed another customer has that number in their system and needed to see my social card, I did not have it with me. I came back the next business day and provided my social security card. The lady behind the counter took a copy of my card, DL, took my documents and stated she would contact me once she hears from corporate which could take until Monday for an approval. This was on a Friday. I never received a call back and was never told anything about the investigation of someone else having my social in their system.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75154	Web
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with XXXX XXXX XXXX with the balance reporting or an account at all. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately.
05/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. After looking up the number I found it to be to a Cottonwood Financial dba XXXX XXXX. I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at Cottonwood. I have attached the fax confirmation proving they received it. On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.
01/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 79904	Web
On XXXX/XXXX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX XXXX XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.
02/13/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NM 87121	Web
For 2 months this company has been calling me, my ex husband, a friend, my mom, and my little brothers, They have threatened me and my family saying that I have commited fraud and that if I dont pay them {$1300.00} I can be sued and arrested. The amount that they are charging me is not the amount that I owe and they are telling me it's because there are fees now but dont go into detail. The last conversation I had with them was today at XXXX and the man that spoke to me said since this is not my priority to just deal with the legal matters and hung up on me. But before this conversation today he called my youngest brother and a friend of the family and scared them.
06/25/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web
After reviewing my credit profile on XXXX XXXX XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XXXX XXXX XXXX as the debt amount owed is not correct. On XXXX XXXX XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from XXXX XXXX XXXX and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XXXX XXXX XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
01/05/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 38506	Web	Servicemember
On XXXX my daughter contacted me about a phone number of XXXX that kept calling her asking for myself. She preceded to tell them that that was not her phone number and please quit calling. They called back two more times ( a total of three times on this day ) and when my daughter said this is not my moms phone they hung up on her. She said the gentleman was a complete jerk and very rude. The third call was a lady saying I had to go to court over money I borrowed. I have never received any court documents for this place of business. I was late two payments in XXXX and settled out on a payment plan with them. Just out of the blue they call and harass my daughter.
09/28/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78745	Web
I file complaint against Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX I still receive SSI check every month. Why I can not afford to pay money back to every two weeks each. I want to pay back amount by cash in every month to the cash store. I need t pay expenses for rent, utility and gas and phone very important. I learned XXXX XXXX XXXX has had contact Cash Store without my permission. XXXX XXXX XXXXXXXX called me on this morning. XXXX XXXX XXXXXXXX should not contact Cash Store without me know.Cash store was taking my money from my current bank XXXX without my permission. I have been struggle to pay back to cash store by every two weeks.
07/09/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Web
XXXX XXXX has recently purchased a debt that I do not owe from Cash Store and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
02/09/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77498	Web
I received a letter from Cottonwood financial on XX/XX/2019. Cottonwood financial claims they have investigated my claim and came up with the resolution that it belongs to me. They are stating they have internal loan records. I spoke to the representatives on the website and can not get a hold of anybody. I need all documentation that cottonwood financial has because I have never seen it nor have I applied with this company. I am a victim of identity theft and can provide documentation.The letter provided to me has a number that is disconnected. Please send me all the information that is bearing my signature and all documentation is attached to my name.
02/21/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 778XX	Web
Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. We can not set up a repayment plan if they will not be reasonable and work with us. It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.
06/26/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	NM 88030	Web
I took out a title loan I was promised a {$50.00} rebate if I took it out with the Cash store. I have made payments and then could not pay full amount every month. I have paid the interest they said I had to. Then they would restate the loan which I do n't know why they need to restate it other than the APR has run its course. Now they want more interest instead of letting me pay the loan. There was a shady character come to my house no papers and never have I been served that they are taking my truck the Title they have. I feel that my payments have never been applied to the principle. They are practicing shade tactics. Are they loan sharks?
04/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78570	Web
Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced
07/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	IL 60174	Web	Older American
I XXXX XXXX XXXX I applied for a loan at The Cash Store and paid of my loan and noticed that money was taken out of my account and as, I started to investigate an Employee at The Cash Store comited fraud and write checks under my account without my permission for her own personal use. How that happened to me don't understand, I was told that this was not the first time that employee done that to other customers. And now I have a collection on XXXX XXXX & XXXX in the amount of {$760.00} im not responsible for that amount an employee takes out money and im in debt to pay this has to be removed immediately from my credit report.
12/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	IL 60515	Web	Servicemember
On Friday, XX/XX/2018, I visited Cash Store located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Telephone ( XXXX ) XXXX. I gave this company all of my personal information : bank statements, copy of blank check, copy of identification, and copy of proof of income. The clerk whose name was XXXX also had me fill out a disclosure form. However, after all that divulging and signing, XXXX declared I was not approved of the loan because my checking account has been opened for less than thirty ( 30 ) days. I asked her to shred my personal information, but she refused. XXXX claimed that they hold on to information in case they get audited.
02/03/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77084	Web
So a company name XXXX XXXX called me and stated they are calling for a debt collection from cash store payday loan from 2010 in the amount of {$160.00}, but with interest and fees its totaling almost {$800.00} and an additional {$2500.00} in attorney fees. They threatened to take me out to court to collect on a 10 year old debt I dont even know existed. No letters in the mail from them nothing!! Just a threatening calls with heaped fees. They also threatened to put a lien on my car ... For over a mere alleged {$160.00} from 10 years ago. I asked the caller to send me the court summons and I will forward to my attorney.
04/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 758XX	Web	Servicemember
VIOLATION { FDCPA } { 805 } { 15USC1692 } ( C ) [ PARA ] ( C ). CAUSING THE TELEPHONE TO RING REPEATEDLY OR CONTINUOUSLY AND MAKING REPEATED AND CONTINUOUS TELEPHONE CALLS WITH THE INTENT TO HARASS AND INTIMIDATE THE PERSON AT THE CALLED NUMBER 3 TO 4 TIMES DAILY..A CEASE AND DESIST COMUNICATION DEMAND LETTER WAS GIVEN TO THE CASH STORE ON XX/XX/18 AT THERE CORPORATE OFFICE AND THE LOCAL BRANCH BUT THEY JUST IGNORE MY LETTER.AND KEEP ON HARASSING ME AND CALLING MY SON AT WORK GETTING HIM IN TROUBLE BECAUSE THEY DON'T ALLOW CALLS.THEY CALL MY FAMILY MEMBERS ASKING QUESTIONS NOT RELATED TO ANY LOAN PROBLEM.
10/18/2018	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	IL 60156	Web
The third party collection agency name XXXX XXXX left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
06/17/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75287	Web
On XX/XX/2023, I received a letter from " XXXX XXXX XXXX '' accusing me of being " severely delinquent '' on an alleged loan from Cash Store and threatening to take me to federal court on check fraud charges and giving me until XX/XX/2023 to make payment otherwise I would be served with a summons to appear in court. The company also threatened to call in family members, who they cited by name in the letter to testify against me. I have never dealt with this company and the debt according them was taken out while I was working with a company that I had not worked for in more than XXXX years.
03/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76904	Web	Servicemember
I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.
07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08053	Web
The company XXXX XXXX XXXX XXXX has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the cash store which when I looked it up is located in Texas and I live in XXXX XXXX Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.
10/28/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78749	Web
XXXX XXXX, XXXX and XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. XXXX XXXX, XXXX, and XXXX a XXXX XXXX called stating she was from the paralegal office of XXXX XXXX and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.
10/31/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NM 88011	Web
On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. Within a week of this cottonwood called and left a voice message on my business phone. On XXXX Cottonwood once again called my work and left a message with the secretary.
03/28/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 629XX	Web
I received a call from a woman named XXXX who is collecting a debt for Cottonwood Financial ( or The Cash Store ) and she repeatedly talked over me. I explained to her that I did not want her to ever call me again and she continued to speak over me. I asked to speak to her supervisor and she was even worse. I tried to ask for the collection agency she worked for and all she said was XXXX. I dont normally answer a Texas phone number however I was in my car and answered it, and she immediately started to be hateful once she found out I did not have a job to pay the debt.
12/21/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78230	Web
XXXX calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XX/XX/2016 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.
01/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Old information reappears or never goes away	WI 54311	Web
Cottonwood Financial DBA The Cash Store XXXX denied loans and attempted to collect on a debt that was discharged in a XXXX XXXX Bankruptcy. XXXX XXXX Collection attempts were made post discharge on a related third party. The third party was denied a loan based on the Bankruptcy discharge of a related family member, the collection attempt was made at the store and by phone. Collection attempt was made at the store in XXXX XXXX, WI when a new application was submitted. Bankruptcy is a civil right which Cottonwood Financial/The Cash Store chooses to disregard.
02/08/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78728	Web	Servicemember
They are calling all the time and they are representing themselves by saying the officers are coming to get me. They have gone as far as to reach out to my wife 's ex-husband. They have contact folks we have no idea how they got the information and no they are threatening, my family and step- children. This needs to stop. I have spoke to them and let them know that due to COVID, I am currently unemployed and don't have the money. Even advise to just add to my credit. But, they continue even as late as XXXX and as early as XXXX they are calling. What can I do?
12/01/2016	Yes	Payday loan	Payment to acct not credited	IL 61265	Web	Older American
I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.
03/07/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 344XX	Web
I took a payday loan and couldn't pay back. Two yrs later, received phone call from XXXX XXXX XXXX threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security Disability-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.
10/10/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 75043	Web
I was told at in store in XXXX that they would not automatically take it out of my account that i had a choice to come in and pay l. I asked them before they linked my card and they said yes maam we will not automatically have it tooken out of your card and today they called me telling me that they would take it out of my account tomorrow without my authorization. Without me saying yes which i found disrespectful. So now my account is going to be in a negative because they are taking out of my account instead of letting me pay them the date i said i could
04/29/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 77373	Web
I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying.
07/24/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 78664	Web
I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.
02/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79605	Web	Servicemember
Received a call from an attempt to locate from XXXX XXXX is the name that popped up on the caller ID. Stated it was concerning the Cash Store about a loan obtained in XX/XX/2013. The state of Texas has a 4 year debt collection limit and it is way past that. They threatened to take legal action. Wanted an out of court settlement. I stated to the caller about the debt collection time limit and hung up. I did not verify any information. Last payment on this was made XX/XX/2013 in the amount of XXXX. I paid them a total of XXXX.
09/27/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77320	Web
XXXX XXXX ( XXXX ) has been contacting 3rd parties regarding an old debt with The Cash Store and stating that there is a civil case against me and that my attorney needs to contact them. They continued contacting 3rd parties even after they confirmed my contact information. They also do not identify themselves as a collection company and claim to be lawyers processing a " claim against your social security number ''. When asked they refuse to provide a mailing address for me to request debt validation or to send a C & D.
01/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76112	Web
Business took payments early creating an overdraft on bank account that until today still trying to make my bank account positive.I know I owe them around {$500.00} which will get paid off as soon as I can..and Please They need to stop harrasing me with 5 phone calls per day and calling my employer Whenever I don't answer my cell phone is because I Can't.. I can not attend collector phone calls while on duty hours which is from XXXX to XXXX then go to my second job XXXX to XXXX .Thank you for you understanding.!
05/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 780XX	Web
I have a loan at Cash Store in XXXX, Texas. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. My payment was due on XX/XX/XXXX. Today is XX/XX/XXXX. I called to make the payment and I was told by XXXX that I'm required by the contract to refinance because my payment is late. I understood that she would turn my account over for collection and ruin my credit if I don't refinance, She does not want just the payment that is due. Is there a law to protect me? This is the first time I'm late with my payment.
06/30/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NC 28376	Web	Servicemember
I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared.
02/05/2016	Yes	Payday loan	Applied for loan/did not receive money	TX 78244	Web	Servicemember
The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. Previous application was submitted on XXXX XXXX XXXX and was rejected. Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
06/04/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75013	Web
I keep getting calls and voice mails about a payday loan that my daughter owes. I 'm not a co-signer and I 've asked the company to stop calling me and leaving threatening voicemails for her. About a week ago I called the company back and told a rep to stop calling me or I would file a complaint and they promised me that my number was removed from their database and that I would not be contacted again. Well, today, XXXX XXXX, 2015, I received another " escalated '' call from the company.
05/18/2016	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	TX 762XX	Web	Older American
The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.
01/02/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75093	Web
XXXX XXXX XXXX is reporting a charge off from the cash store on my credit. First, its not my debt and i never had an account with the cash store. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
05/12/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 711XX	Web
XX/XX/XXXX I, XXXX XXXX, mailed a letter to XXXX XXXX XXXX stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from XXXX XXXX XXXX. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
08/22/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 53402	Web
I was and still unemployed on XXXX/XXXX/2016 with unemployment income. Took out a loan with the Cash Store in XXXX, WI on XXXX/XXXX/2016 in the amount of {$290.00} with an interest rate of 519.98 % {$540.00} in finance charges.They have been blowing my phone up at least 2 or 3 times a week 3 times in a row. I have not attempted to pay back due to the ridiculous high finance interest rate and I ran out of unemployment income before the loan contract ends what can I do.
07/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NJ 08053	Web
Hello, I just want to make one thing clear XXXX XXXX XXXX XXXX. DONT YOU EVER accuse me of lying. This is a collection from a cash store in XXXX and I dont live in XXXX XXXX Ive lived in XXXX XXXX since XXXX and these allegations are not false and misleading, your company is and you should be sued and closed down! Dont you ever accuse me of lying. If this doesnt stay off, Im going to come at you for defemation. Ive already filed another report. Dont mess with me.
03/03/2016	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78504	Web	Servicemember
A lady named XXXX XXXX called from XXXX to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " XXXX ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail,
07/19/2023	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	TX 76053	Web
Today I received a call from a lady named XXXX she stated she was calling from the XXXX XXXX law firm. She informed me I owed a pay day loan from XXXX. I told her I was a victim of identity theft and could I get more information. She said the initial loan was XXXX but went up to XXXX. She said I had 24 hrs to pay it or charges would be filed against me. I DONOT know what to do. She called from XXXX XXXX XXXX. This number isnt linked to any law firm.
12/09/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	IL 60901	Web
This collection company keeps calling saying I defrauded a company and I am going to jail. When I told them that their tactics to collect a debt were illegal the woman proceeded to tell me I was trash and I couldnt pay my bills and I was a bad mother. When I called back to speak to a manager I was told I was white trash and that I couldnt pay my bills and I was a bad mother. The. They hung up on me and refused to give me any of their I formation
02/14/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MN 554XX	Web
I keep getting calls from XXXX XXXX XXXX from someone named XXXX XXXX and a XXXX XXXX that I will get served and sued for breach of contract of a payday loan and for multiple bad checks when I haven't wrote checks. They are threatening to take this year 's or next year 's federal and state refunds as well as garnish my wages. I have asked for a validation notice of my debt and was told they don't need to send me one because im getting sued.
03/12/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web
Mailed validation of debt XX/XX/19 and no validation received, but only receiving a communication XX/XX/19 indicating the inability to properly investigate because 30 days wasn't a sufficient amount of time to validate alleged debt. Debt buyer, though no validation has been received of authority or contract of authority yet continues to report to the bureaus without updating that the account is in dispute. Multiple violations under FDCPA.
04/14/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75028	Web
I have asked The Cash Store corporate to remove my references and my employer from my file. They do not have my permission to contact these people, and they have refused stating it is against their policy. They need to remove all contact information from my file other than me from my file immediately or I am suing them. They do not have the right to keep that information on file after I asked them not to call them or keep the information.
11/14/2016	Yes	Payday loan	Can't contact lender	WI XXXXX	Web
Charged fees I was not aware of Did not credit payments as I paid them. Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. XXXX XXXX, WI XXXX XXXX XXXX
11/02/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75126	Web
Threatened of being taken to jail. I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.
03/03/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30082	Web
I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX XXXX XXXX If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
09/29/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 76028	Web
The cash store turned my debt over to XXXX XXXX XXXX who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. I have many recordings of his statements.
06/29/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78729	Web
XX/XX/XXXX contacted XXXX XXXX after a threat of lawsuit over " NSF XXXX. '' I advised the organization that the debt is from XXXX and exceeds the statute of limitations for legal remedy in Texas. The agent advised that the statute of limitations for " independent debt '' is 20 years. I advised the agent that if I am sued over this, I will counter sue and win. The agent advised that they would be closing out my account.
11/16/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 791XX	Web
On XX/XX/XXXX I received a phone call from XXXX XXXX from XXXX XXXX XXXX XXXX regarding legal papers that would be sent to my home for my signature. She then proceeded to tell me that my XXXX XXXX XXXXXXXX would be affected because I defaulted on a payday loan. She also asked questions about my vehicle and whether or not I still owned it. I got the same phone call again on XX/XX/XXXX making the same threats.
02/06/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	WI 546XX	Web
In XXXX I took out a payday loan from the XXXX in Illinois, I though the loan had been satisfied, but apparently it had n't. On XXXX/XXXX/XXXX I received a call on my work phone from XXXX stating that I needed to contact " XXXX XXXX '' ( XXXX ) and give them claim number XXXX XXXX XXXX. The informed me that the debt was a breach of contract and that was being sued and was in legal trouble for this situation.
05/28/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 99203	Web
Sometime between XXXX the cash store processed a payment for a payday loan that my bank paid. This payment made our account overdraft. The bank than closed the account. I have been contacted several times about this and have told them the same thing every time. My bank confirmed it was paid and the cash store location has no record. Now I am being told by letter that I am being taken to court for NSF Fraud.
12/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 622XX	Web
I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls.
05/18/2016	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	TX 762XX	Web	Older American
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.
02/10/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 77025	Web	Servicemember
They call multiple times every day, from different phone numbers. I have blocked over XXXX numbers. There are at least XXXX messages left daily. I can block the call, but I ca n't block the voicemail messages. They are also leaving messages where they hang up after a saying hello numerous times. Please. Make The Cash Store Stop Calling Me Everyday And Leaving Multiple Messages. THANKS IN ADVANCE
06/16/2015	Yes	Payday loan	Charged bank acct wrong day or amt	IL 622XX	Web
The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency.
11/08/2016	Yes	Payday loan	Charged fees or interest I didn't expect	TX 79928	Web
Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.
10/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36830	Web
I was served papers last week stating I was being garnished for a credit card from XXXX XXXX XXXX taken out in my name on XX/XX/2000. I was a XXXX XXXX XXXX XXXX at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.
10/16/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 441XX	Web
I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.
09/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI XXXXX	Web
In reviewing case number XXXX Cottonwood Financial XXXX XXXX Vs. XXXX XXXX did not disclose payoff or close out of Civil Judgement. I do not have a Judgement status or date. I did file a chapter XXXX Bankruptcy, United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin, http : XXXX Case number : XXXX. I request paperwork on this older judgment, for satisfaction in the courts.
02/09/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 77493	Web
In XX/XX/XXXX XXXX XXXX XXXX added a XXXX item to XXXX credit report. XXXX XXXX XXXX but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that XXXX XXXX XXXX added an item to my XXXX report without providing me with a written notice regarding the debt.
04/11/2016	Yes	Payday loan	Charged fees or interest I didn't expect	ID 83706	Web
I got a call from a collector from the Cash Store on a SUNDAY NIGHT at XXXX. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the XXXX and other agencies. i have been in credit and collections for XXXX years so I knew they were violating the law.It was for 400 % which was not told at the time
12/07/2022	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	UT 84047	Web
started screaming at me told me he'd see me and my husband in court. i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX
12/11/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 490XX	Web	Servicemember
I got a loan of XXXX I was told by my bank or cleared. Never received a letter of phone till a year and half later from a company called American they didn't tell me their name when they called after doing some research I found their name. Tgey refuse to accept payment says they are suing me. When I ask their address they refuse to tell me and hang up
03/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79904	Web
On XX/XX/2020, i told Cash Store, that i will have to default on the loan, due to finational issues. They stated they are still going to remove it using my debt card info. I asked to remove my payment information. They told me no. I had to change my Debit card number. On XX/XX/2020, the cash store removed the amount of XXXX, from my checking account.
11/27/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web
Loan was originally from Cash Store. The company calling me is a company called XXXX. They continually call, threaten to sue ... they have called my family members in which they never had authorization to call them and gave them false information. They told my family they were calling because I had a returned check. Violating all sorts of fdcpa laws.
10/25/2016	Yes	Payday loan	Can't stop charges to bank account	TX 770XX	Web
I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.
10/19/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78250	Web
I took out a loan on XX/XX/XXXX, and made the 1st two payments on time. Since then I had to take XXXX Leave from my job to care for my spouse. I am no longer able to afford this loan, since I 'm currently not receiving pay. I have offered the Cash Store amount to settle but the agents are rude, and leave threatening messages on my phone.
05/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 707XX	Web
I have reached out the CASH STORE multiple times trying to dispute this debt over the phone. I sent a dispute letter out on XX/XX/2023 hoping to resolve but received no response. I am submitting another letter as a 2nd attempt. I do not owe {$2300.00} because I didn't take out a loan. I also did not authorize anyone to take out a loan.
11/16/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	IN XXXXX	Web
CAS STORE ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! CASH STORE SOLD THE DEBT TO XXXX XXXX XXXX IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
04/23/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	IL 61108	Web	Servicemember
Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.
12/20/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75204	Web
I took out a loan from the Cash Store. I missed a payment and they called my job and harassed/pressured my coworkers. When I do speak to them they are intimidating and aggressive almost as if they are a loan shark. I have asked them to stop contacting my job. They still do. This is more than collection, it is harrasment.
06/23/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 77478	Web
I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months.
03/04/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NM 873XX	Web
A payday loan taken out with The Cash Store sold the debt to XXXX XXXX XXXX. This is a few years old and they kept re aging the debt and reporting it as new which is illegal and against fair reporting standards. They refuse to update the account on my credit report with the correct date of delinquency.
09/24/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 62704	Web
XXXX XXXX say my fiance owes a payday loan for 2017. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.
06/01/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	WA 99354	Web
I have received numerous calls everyday about a debt for a loan that I did not take out. I have made repeated attempts including XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and never have received written notification or clarification of the debt as I do not believe I have taken this loan out
06/06/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX XXXXX	Web	Older American
I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly.
11/09/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 99207	Web
This company has contacted me, my spouse, my parents, and my siblings repeatedly saying that they have a complaint in their office but refusing to identify what company they are with, no disclosure message that this is an attempt to collect a debt, phone calls minutes apart several times.
11/17/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NM 87507	Web
XXXX This number called Said I got a loan in 2019 and I'm going to jail. I have never got a loan in my life I paid off 2 cars that I own one bought cash other financed took 1 year to pay and I already sold vehicle as trade in. This was pure fraud asking for my social security number.
12/29/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 60156	Web
Received collection letter dated XX/XX/2016. Sent cease communication letter on XX/XX/2016 via certified mail. Was received and picked up on XX/XX/2016. Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.
11/24/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75219	Web
I was contacted by a XXXX XXXX from an unknown number, informing me that my case had escalated. And that if she was not able to contact my number, she would then contact my employers. Also stating their is an order for my location. And I will be located. This call was XXXX.
08/25/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	IL 61554	Web
My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no {$400.00} to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!
08/18/2015	Yes	Payday loan	Payment to acct not credited	TX 78006	Web
The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.
08/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NM 870XX	Web
I obtained an installment loan with " Cash Store '' over 4 years ago. My initial payoff was {$390.00}. The company apparently closed in 2020. Randomly last month I received a writ of garnishment but I was never served any notice. The company garnishing is fictitious.
03/03/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78660	Web
Someone is calling me saying we have a case number we are looking for your location. We are sending XXXX county to pick u up. These calls need to be stopped. These people are selling personal information to different people trying to get your debit card information.
06/06/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web
I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.
06/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web
I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.
06/22/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75034	Web
I have asked the pay day loan Comapany many times to stop calling my work my phone or me. They keep calling daily. They called my work. After I asked them to stop. XXXX the cash store XXXX Texas. She 's rude. Does n't listen. I want it to stop.
04/27/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	IL 629XX	Web
Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.
04/19/2017	Yes	Payday loan	Payment to acct not credited	TX 75048	Web
Account sold to XXXX party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 765XX	Web
On my credit there are false information name, birthdate, addresses, credit pull. And false credit on my credit. Please remove these items. I did not authorize my credit to be pulled or and companies for collection under my name.
01/26/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WI 53186	Web	Servicemember
Cottonwood financial Wisconsin LLC dba cash store is trying to collect a debt by garnishing my wages. I was not properly notified from this company only seen it on my records with the state of Wisconsin for small claims court.
08/12/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 75042	Web
I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references.
12/07/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77338	Web
They have started calling my place of employment and my manager has asked them to stop. I made payment arrangements with them but I this month I was unable to keep the arrangement. They are harassing me at work hourly.
11/18/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 751XX	Web	Older American
I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.
10/17/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WY 827XX	Web
This company keeps calling me trying to contact my sister. I have told them several times to stop calling me. They are incredibly rude and wo n't stop. This is not my concern or my business and it is harassment.
04/27/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77471	Web
There is a loan reporting on my credit from the Cash Store. I never had a loan from this place. This is fraud. I disputed it with the Cash Store, they just ignored me and continue to report it on my credit.
11/19/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MN 551XX	Web
Cash Store loan was paid. Now they are saying it is not. I am receiving threatening calls to my employer, friends, home, relatives, etc. They are threatening to show up tp my home and employment
06/16/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 625XX	Web
Contacted me again after I advised that I am being represented by an attorney to reorganize my debts. I advised XXXX to not contact me again by phone and to refer all inquires to my attorney.
01/17/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77042	Web
I made XXXX payments of {$190.00} for a Cash Store debt settlement from XXXX/XXXX/15 - XXXX/XXXX/15 and I received a call yesterday from another collection agency that this debt was not paid
06/04/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87124	Web
XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently XXXX showing as an open collection this has dropped my FICO 4 score 49 points making
04/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 751XX	Web
So much time has gone by and I was to humiliated to ever talk to the lender. The default finally made it 's way to collections and the people have threatened me with criminal charges.
01/30/2016	Yes	Payday loan	Charged bank acct wrong day or amt	IL 611XX	Web
I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim.
10/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 870XX	Web
I took out a loan for {$600.00} and was never advised that my interest rate was 520.01 %. The company also tried to withdraw money from my account without my authorization.
07/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 53719	Web
The company repeatedly fails to apply payments to my account ; in the attachments are some of the payments I made which they failed to apply to my loan account.
09/28/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78259	Web	Servicemember
Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual.
06/13/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77025	Web
On XX/XX/XXXX, I sent a letter to XX/XX/XXXX asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days.
07/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 54901	Web
I call Cottagewood financial Wisconsin and Ask for settlement, for {$500.00} since its been 10 years Since I got married my last name was XXXX now its XXXX.
07/28/2015	Yes	Payday loan	Can't stop charges to bank account	TX 78729	Web	Servicemember
I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account.
03/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77061	Web	Older American
I never received a notice of debt. This account has been on my credit file for too long and is affecting me from getting loans and credit cards.
02/20/2023	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	OR 97233	Web
I took out a payday loan about 10 years ago maybe more and they are stating I never paid it back even though its not on my credit or anything!
11/29/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76542	Web
I received a letter from XXXX XXXX XXXX XXXX XXXX threatening a lawsuit over a cash advance loan that I have no recollection of ever getting.
05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 763XX	Web	Servicemember
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. Cottonwood Aka The Cash Store
06/25/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 76904	Web	Servicemember
The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace.
03/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75503	Web	Servicemember
they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks.
05/02/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
XXXX XXXX XXXX is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17
01/10/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	AR 727XX	Web
ONCE AGAIN THE CASH STORE IS COLLECTING ON ZOMBIE DEBT, THIS ACCOUNT WAS PREVIOUSLY SOLD TO OTHER AGENCIES..
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77047	Web
The account was charged off and no 1099-c was not mailed. by it still being on my credit it's in violation.
01/19/2021	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	MI 49316	Web
XX/XX/2021 received an email just one with threats will attach threatened me with jail and law enforcement
01/11/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	FL 33594	Web
I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.
12/05/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 34747	Web
Its an automated system and they call the place I use to work. It is constant.
08/25/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 757XX	Web	Servicemember
I dont owe this or know the company
01/19/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OK 741XX	Web	Servicemember

01/18/2024	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	WA 98004	Web

01/03/2024	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	GA 30044	Web

12/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33815	Phone	Servicemember

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77488	Web

11/15/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	WI 53090	Web

08/07/2023	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	TX 75020	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

07/03/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WI 54001	Web

07/02/2023	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75954	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76513	Web	Servicemember

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77096	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77082	Web

05/26/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WI 53719	Web

05/11/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75020	Phone

04/21/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 49441	Web

03/19/2023	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	ID 83401	Web

02/05/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78640	Web

01/20/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 75252	Web

01/18/2023	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 77087	Web

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78228	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web

07/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 54961	Phone

06/25/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	XXXXX	Web	Servicemember

05/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61615	Web

05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OK 74804	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 77064	Phone

03/25/2022	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 Was not notified of investigation status or results	TX 77375	Web

03/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 75061	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web

11/09/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78653	Web

11/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77532	Web

10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web

08/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48202	Phone

08/17/2021	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	MI 48383	Web

08/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77073	Web

07/16/2021	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	IL 62888	Web

07/02/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76301	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75067	Web	Servicemember

02/19/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75219	Web	Servicemember

02/19/2021	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	TX 75671	Web

02/17/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77407	Web

02/06/2021	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	TX 75149	Web

01/27/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan		Phone

12/03/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75081	Web	Older American

11/23/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 31909	Web	Servicemember

10/16/2020	No	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78404	Phone

10/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75070	Web

09/16/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78404	Phone

08/11/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web	Servicemember

05/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

04/12/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76133	Web

04/06/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66441	Web	Servicemember

03/26/2020	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	IL 61008	Web

03/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77301	Web

12/06/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	IL 61109	Phone

11/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78725	Phone

10/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL 61265	Phone	Older American

10/17/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AZ 85281	Phone

10/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan		Phone

08/07/2019	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	WI 54902	Phone

08/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76904	Web

07/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	NM 87108	Postal mail

06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76134	Web

04/10/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75701	Web

03/07/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 76108	Web

02/22/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77086	Web

02/07/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77518	Web

11/27/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 76227	Web

10/26/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75023	Web

10/22/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

10/12/2018	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		Referral

10/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78745	Referral

09/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 75219	Web

08/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75235	Web

07/30/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NM 87108	Web

07/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

07/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 55125	Web

06/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76134	Web	Servicemember

06/04/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78640	Web	Servicemember

05/16/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77450	Postal mail

03/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75041	Phone

01/16/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60424	Web

12/19/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Phone

11/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72401	Web

11/09/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MS XXXXX	Web

11/08/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	FL 33419	Web

10/26/2017	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	OH 43515	Web

10/13/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21014	Web

10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Fax

10/11/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	KS 66027	Web	Servicemember

10/06/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 53209	Web

04/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77378	Web

04/07/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75228	Web

04/05/2017	Yes	Payday loan	Payment to acct not credited	TX 78613	Web

03/22/2017	Yes	Payday loan	Payment to acct not credited	TX 75068	Web

03/14/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87031	Web

02/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid		Phone

12/19/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78660	Web

11/22/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78759	Web

11/07/2016	Yes	Payday loan	Charged fees or interest I didn't expect	MI 49444	Web

10/25/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	WI 53141	Web

09/21/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NM 88101	Phone

09/20/2016	Yes	Payday loan	Charged fees or interest I didn't expect	TX 77568	Web

09/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78641	Web	Servicemember

08/11/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77082	Web	Older American

06/22/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77025	Web

06/12/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	WA 99223	Web

06/02/2016	Yes	Payday loan	Charged bank acct wrong day or amt	TX 77338	Web

05/31/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	AR 71852	Phone

03/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NM 87111	Referral

03/22/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76240	Phone

02/03/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	WI 54303	Phone

01/08/2016	Yes	Payday loan	Charged fees or interest I didn't expect	MA 019XX	Web	Servicemember

12/22/2015	Yes	Payday loan	Charged bank acct wrong day or amt	TX 75062	Web

12/18/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 77803	Web	Servicemember

12/04/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78504	Referral

11/04/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76384	Web

11/03/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	ID 83204	Web

10/28/2015	Yes	Payday loan	Can't contact lender	MO 63034	Web

10/14/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 754XX	Web

10/02/2015	Yes	Payday loan	Can't contact lender	TX 79912	Phone

09/15/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77053	Phone

08/21/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 75092	Phone

08/20/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 75180	Web

08/18/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 75963	Postal mail

08/12/2015	Yes	Payday loan	Can't contact lender	TX 75211	Web

08/11/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 78729	Web

08/05/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	NM 88101	Phone

08/04/2015	Yes	Payday loan	Can't contact lender	WI 54456	Web	Older American

07/30/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77083	Phone

07/02/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77044	Phone

06/30/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 75640	Web

06/25/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	IA 52722	Phone	Older American

06/23/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 76707	Phone

06/17/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 77586	Phone

06/15/2015	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	TX 77598	Web

05/28/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 78660	Web

05/05/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WI 54956	Phone

05/01/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 76135	Web

04/23/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 79416	Phone

04/17/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	IL 62024	Phone

03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77022	Web

03/23/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 76711	Phone

03/18/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77433	Web

03/12/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	UT 84405	Web

03/10/2015	Yes	Payday loan	Can't contact lender	WI 53083	Web

03/04/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	IN 46761	Web	Older American, Servicemember

02/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77019	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TX 75217	Fax

01/23/2015	Yes	Payday loan	Applied for loan/did not receive money	TX 78130	Web

01/21/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 76549	Web	Servicemember

01/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53404	Web

01/06/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 76542	Phone	Servicemember

01/04/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78228	Web

12/22/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	WI 53224	Web

12/17/2014	Yes	Payday loan	Charged fees or interest I didn't expect	WI 53225	Web

12/06/2014	Yes	Payday loan	Can't contact lender	IL 61110	Web	Older American

12/05/2014	Yes	Payday loan	Can't contact lender	WI 53913	Web

12/04/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	IL 60586	Web	Servicemember

12/03/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WI 53913	Phone

11/19/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 75792	Web	Servicemember

11/14/2014	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	ID 83687	Web

11/11/2014	Yes	Payday loan	Can't stop charges to bank account	IL 61032	Web

10/23/2014	Yes	Payday loan	Payment to acct not credited	NM 87105	Web

10/21/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	WI 53913	Web

10/16/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77096	Web

10/15/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77450	Web

10/15/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 75211	Phone

10/15/2014	Yes	Payday loan	Can't contact lender	TX 78748	Web

10/13/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	TX 76140	Web

10/11/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76210	Web

10/10/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 76210	Web

10/02/2014	Yes	Payday loan	Can't stop charges to bank account	TX 75215	Web

10/01/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	UT 84045	Web

09/30/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75075	Postal mail

09/24/2014	Yes	Payday loan	Charged bank acct wrong day or amt	SD 57754	Web

09/18/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	IL 60431	Web

09/17/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 79904	Web	Servicemember

09/16/2014	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	AZ 85335	Web

09/15/2014	Yes	Payday loan	Payment to acct not credited	WI 53546	Web

09/15/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 76179	Web

09/11/2014	Yes	Payday loan	Can't contact lender	MN 56256	Web

09/09/2014	Yes	Payday loan	Charged fees or interest I didn't expect	WI 54301	Web

08/29/2014	Yes	Payday loan	Can't stop charges to bank account	TX 77077	Web

08/14/2014	Yes	Payday loan	Can't stop charges to bank account	TX 76028	Referral

08/11/2014	Yes	Payday loan	Can't contact lender	TX 79109	Web

08/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	WI 53143	Referral

08/05/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 77563	Postal mail	Older American, Servicemember

08/01/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 79925	Web

07/15/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78721	Web

06/27/2014	Yes	Payday loan	Can't contact lender	TX 77373	Web

06/23/2014	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	TX 75006	Web

06/17/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	WI 53406	Web

06/17/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 75034	Web

06/05/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 77491	Web

05/30/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	NM 87112	Web

05/23/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 77491	Web

05/13/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78234	Web	Servicemember

05/13/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 78109	Web	Servicemember

04/29/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	MI 48507	Web