eMoneyUSA Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/02/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 76117	Web
I spoke with this company numerous of times they all remain unprofessional telling me to go get a criminal report from the police station they never sent me the proof the loan the local polixe told me they dont do those types of reports we have to hire a detective i sent emoneyusa a notorize letter that they claim they didnt get, i told them do they have proof a copy of my state issue id or driver liscence before they issue out a loan they response was you need to make a payment this company is fraud and unprofessional they let somebody take out a loan under my information and calls me and email me constantly to make payments, the bank the loan was issue to was a prepaid account in which they requirements they dont issue loans to prepaid accounts so why will they send a loan and not ask for the person to provide identification proof, and the loan was applied over the internet. Then on the proof of banks account they showing two different accounts one is an outline for one bank and the other is an outline for another bank that they said was used in loan issuing. This is an error and i have try negotiating with them numerous of times and they emails me back been rude and unprofessional. To delete this off my credit this account was created in fraud provide proof to me that they have my identical that it was me they told me the proof was the bank well the bank listed on the email is a prepaid account this company fail to even show me some kind of documentation just been communicated with me through email been unprofessional if you look at they website it clearly states that they dont issue loans to prepaid account and in which they say they verify that the bank account was mines well the loan should have been denied when they verity the bank because it was a prepaid account they didnt verify. I have file a dispute and ask that all 3 breaus ask that emoney provide them a copy of my identification card or drivers liscence that they can provide information that they issue a loan to me.
12/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76179	Web
I called in XX/XX/2018 and asked to have my ach payment stopped for XX/XX/2018. I told them that my husband would be paying the account off in full XX/XX/2018. I wanted to have the ach stopped in order to avoid the account being overpaid and having to wait weeks to be refunded. I was told that they could not stop the ach unless there was another form of payment. I adv that my husband would be paying via Card. the rep still refused to stop the payment and i stated that I would have my husband call in. Due to his work schedule, It would be difficult to know for sure when he could call in. XX/XX/2018, I sent a ACH revocation letter to the company to make sure the payment would be stopped. The rep agreed to stop it but advised me that they would put my account into collections as a default. I asked how they could put a current account into default that has never missed a payment and was only trying to pay the account off in full.I then received an email stating that they had placed my account in collections and that it had defaulted. My payment is not due until tomorrow and I have never been late. Then I receive a long illegal voicemail from a MANAGER named XXXX XXXX leaving personal information then she called and left a message on my work voicemail. You would think I was really in collections the way I am being treated. All of this and all I am trying to do is pay off an account. No where in my contract does it state that if you revoke ACH authorization that you will be placed in collections as a default. It actually has other methods of payments such as cash, money orders, mail as well as credit cards. I can only imagine how customers who actually can not pay are treated, if they treat paying customers this way.
06/28/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 78641	Web
My father received a call from XXXX XXXX XXXX XXXX. He notified me, I called them back. I spoke to a Mr. XXXX who told me this was a payday type loan opened under my name for a company called E-Money. I asked for more information because I currently have a few other payday loans that have been opened using my name that aren't mine and I am working with my attorney for those. Mr. XXXX refused to give me any information if I didn't agree to pay it and said my wages were to be garnished immediately. I told him how could I pay anything I don't know about and explained this may be part of the other payday loans that are in my name fraudulently. I offered to have my attorney call. He reinforced that he would not be able to provide any information until I set up at least a payment plan. I refused and he hung up. A few minutes later, my daughter had a voicemail left on her phone from him that provided my private information such as date of birth and then said he would see me Friday. I have a copy of the voicemail he left on my daughter 's phone saved. This is threatening and scary. I am not aware of this account and just trying to get to the bottom of this. Calling my family including my daughter, and telling them my wages will be garnished and he will see me Friday is scary. My daughter is now convinced someone is actually coming to our house on Friday to do something to hurt me. It is just me and my two daughters that live here. I am in the middle of a messy divorce partially due to other accounts opened without my permission. This is unacceptable and not the experience I have had dealing with other collection agencies.
02/21/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 77081	Web
I wish to submit a complaint about eMoneyUSA, an online lending company. My specific complaints are as follows : 1- In XX/XX/XXXX, an unknown individual was able to take out a loan from eMoneyUSA using my name and SSN. When I obtained a copy of the application from eMoneyUSA, it did not appear that they had performed adequate due diligence to verify that individual was, in fact, me. The name he used was close to mine but spelled incorrectly. Some of the other details were correct ( like home address ). I did not see any signature on the application. 2- When I found out about the loan, I filed a police report. I submitted a copy of that police report, as instructed, to eMoneyUSA, the collection agency they had engaged, and the credit reporting agencies. In spite of that, eMoneyUSA reactivated the collections process in XX/XX/XXXX, triggering another adverse entry on my credit reports and a drop in my credit score of XXXX points! I spent many hours correcting the issue AGAIN. I have not been given a satisfactory explanation as to why the collection process was reactivated. ( At first, eMoney said it was because I did not send them the police report back in XXXX, but I showed them the email trail and they conceded that I did! ) Given the circumstances, I am not at all confident that eMoneyUSA can/will ensure this doesnt happen again!
10/28/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78745	Web
XX/XX/2020 received voicemail from XXXX XXXX stating that proceedings in XXXX County court are being processed and they would contact my employer. left number XXXX. They also contacted my brother who lives out of state and said there were legal proceedings in XXXX county and wanted info. When I contacted the phone number I asked who I was speaking with and was told Assurance and they represent a network of attorneys. when I asked for the other party in alleged matter, I was placed on hold and then a representative named XXXX XXXX told me that they're just a middle man and that 3 charges are pending processing regarding a financial transaction with EMoneyUsa ( whom I've never entered into business with ) when I asked that a validation of debt be sent, I was told to contact the EMoneyUsa directly and that she would inform counsel that I had no knowledge and assured me there was evidence in the legal file and I would need to inform the judge if I hadn't received any information about this debt. She also denied that they contact my brother, something about they would just leave their number, and it was more than likely a person who was hired by XXXX county to locate me. All kinds of weirdness, not to mention violation of fCRa.
06/23/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 75063	Web
On XX/XX/XXXX I was approved for an installment loan. On XX/XX/XXXX the company was sent an ACH termination letter stating that I would submit payment via mail. On XX/XX/XXXX I received a text message from XXXX stating that my account would turned over to collections if I did not provide them with a debit card. I told XXXX that I would provide them with a debit card info once I got home. This was stated after XXXX asked if I could get a prepaid debit card. I never provided the information. On Thursday I received a message stating that I needed to make a {$50.00} payment or my account would be turned over to collections. I advised that the paperwork doesn't state anything about a debit card being on file in order to prevent account from being turned over to collection ( {$50.00} wad also mentioned ). The rep kept asking fir a debit card and she also advised that my account would be sent to collections at XXXX today. I received an email staing that my account had been turned over to collections and they will be reporting a charge off to XXXX.
06/05/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	WI 544XX	Web
Emoneyusa has charged me more money than I should've had to pay because on, one of their representatives sent me a personal email with another account holders information when I asked if they could push a payment back till my next payday. This email came after I called the company and explained to them that my employment got effected by COVID-19 and I need another week to pay my payment. The representative told me over the phone that they would be able to do that. When I got the email showing a mixed up of client information, I contacted the company twice to fix this before they would pull a payment out of my account. The problem was not corrected as promised, a payment was pulled and put my bank account in the negative. Also, I did pay the loan off in a timely manner and the account is closed. However, now it is still being reported on my credit report as having a balance of {$360.00}. I contacted them to ask them to update this information and they still haven't done so.
04/11/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OH 45601	Web	Servicemember
I sent them an email on XX/XX/XXXX stating I was revoking my authorization for them to debit any money from account and that I was filing bankruptcy and gave them my attorneys name and phone number. They refused to accept the revocation so I contacted my bank and put a stop payment on it. They have since, sent me emails daily, called daily and texted me. They sent me an email on XX/XX/XXXX.stating " If your account is moved to collections, we will call your cell, work and references daily to collect on this loan. '' " Again, you have 24 hours to keep this from happening. '' I received a voicemail today XX/XX/XXXXthat stated that my account was marked as fraud. This company has violated the Fair Debt Collection Practices Act and I want it to stop. I have attached the email to my complaint. I have informed them numerous times that I am filing bankruptcy and given the information they need yet they continue to harass me.
09/17/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 770XX	Web
On XX/XX/XXXX, I emailed e-money a copy of the cancellation letter asking them to cancel the {$400.00} loan they told me the letter was received and would cancel the loan of {$1200.00} and that I would only be responsible for {$400.00}. I emailed them again and said I would pay the money at a later date. I received an email from e-money today threating to call my job, my cell, and references that were used on the application. I can't accept calls from bill collectors on my job nor do my contacts wish to be bothered about a loan they DO NOT owe. E-Money needs to not contact me on my cell, at work, nor contact the references because they will take legal action against the company. I will have attached the cancellation letter I sent the company.
08/27/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	MO 63028	Web
On todays date, XX/XX/19, I emailed emoneyusa to revoke authorization for automatic debits from my bank account. Per the loan agreement, the revocation has to be in writing. I immediately received an email, two text messages ( one of which was addressed to a XXXX? ), and a phone call. They call me from a XXXX XXXX XXXX XXXXI dont know what that is all about. They refused to honor my revocation of authorization, and told me to call in order to discuss other payment options, despite them having denied my request for a short forbearance moments earlier. XXXX is the representative that was contacting me. I did call them and they were closed. I also sent a text message back to XXXX repeating my revocation. I have not heard back.
08/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO 650XX	Web
On XX/XX/XXXX, I tried to payoff my loan on XX/XX/XXXX. I was told I needed a debit card which I replied no because my bank will freeze the payment thinking its fraudulent. I was told by my contract legally I need to provide a debit card. I reread my contract and nothing is mentioned about needing a debit card. Told them if they can not accept my payment ACH like on file they are refusing payment and to stop further deductions. I was told that was no way to stop payments, within my consumer rights I can refuse and take off ACH for any reason! They have also failed to report to my credit agencies of payments maid which I was told they would!
05/26/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 63146	Web
This is the second time I have I've dealt with this company. I spoke with XXXX from Emoney USA and advised her that they are reporting me late on my XXXX credit report. They said they were going to fix it. but they have not. HOW!!! when I am paying on time and I have my receipts to show it. How can it say paid as agreed and they are showing me 60 days late this is killing my credit scores and they need to delete it I have included all the docs necessary to get this account deleted or the lates reverse? I make payments every month. I need help with this. They are violating my rights.
05/26/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 63146	Web
This is the second time I have I've dealt with this company. I spoke with XXXX from Emoney USA and advised her that they are reporting me late on my XXXX credit report. They said they were going to fix it. but they have not. HOW!!! when I am paying on time and I have my receipts to show it. How can it say paid as agreed and they are showing me 60 days late this is killing my credit scores and they need to delete it I have included all the docs necessary to get this account deleted or the lates reverse? I make payments every month. I need help with this. They are violating my rights.
03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77036	Web
THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....
08/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78666	Web
I have gotten into a financial mess, I admit that. Too many loans to handle. I contacted XXXX XXXX XXXX and I am trying to manage this problem. They sent out a communication to all the lenders with whom I have accounts. These were sent electronically so they were received immediately. This was notice that I was revoking ACH authorization. This was on XX/XX/2018. On XX/XX/2018, EMoney USA proceeded to withdraw a payment from my account anyway. Fortunately it did not overdraw my account and my bank returned the payment with a stop payment order. Is this legal?
06/25/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63376	Web
I USED THE PAYDAY SERVICE TO BORROW XXXX DOLLARS MADE FIRST INSTALLMENT HAD AN ILLNESS NEEDED 30 DAYS TO GET BACK ON TRACK EMONEY WAS NOT ABLE TO PROVIDE RELEIF PUT A STOP PAYMENT ON ACH WITHDRAWL AND EMAILED THE COMPANY STATING WOULD BE CONTACTING AND SETTING REPAYMNET OPTION BEGINNING OF XX/XX/XXXX RECIEVED A CALL AT MY WORK NUMBER XXXX AND FATHERS NUMBER XXXX SPOKE WITH REP AND STATED ONLY CONTACT ME BY EMAIL, TEXT OR CALL XXXX CAN NOT RECIEVE PERSONAL CALLS AT WORK 7 DAYS AFTER THIS CONVERSATION STILL RECIEVING CALLS TO MY WORK NUMBER XXXX
10/20/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MO 631XX	Web	Servicemember
I needed a small loan for my car insurance deductible, and I applied for a loan online. Emoney usa called me and offered a {$600.00} loan. I excepted the loan, but once I added up the total amount I was to back I immediately called back to cancel. They told not to worry about the total because I could pay the loan off sooner. The total amount to pay back is {$2000.00} for a {$600.00} loan. I've paid back {$1100.00} so far. I don't want to ripped off for anymore money.
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75248	Web
I filed a complaint against emoney complaint ID XXXX. They were not reporting payment activity or payoffs. They fixed the payoff but reported the loan closed that I am paying on now. This is incorrect information. This has a negative impact on my credit. I am positive they did this on purpose due to the fact that I had to report them to report accurately. Completely unprofessional. The loan ID XXXX is open and I am paying on time. It needs to be reported that way.
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63031	Web
XXXX XXXX XXXX. The account is still showing active on my report and its not mine. This account is lingering on my account after I have let them know that someone in my old apartment complex has found my old Id with my social on it and refuses to give it back. Subsequently my taxes were compromised for two years and I am in the process of buying a home and this old account is prohibiting me from doing so.
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75035	Web
I am a victim of identity theft. I have requested for XXXX to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX has failed to comply with my request. I've written a letter stating that Emoneyusa Holdings LLc does not belong to me and therefore should be moved
11/07/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79928	Web
Emoney Usa wont work with my credit counseling service. Continually calls me as soon as a payment is missed and begins to text my cell I had to set up a payment plan since they are unwilling to wait for the counseling service to kick in. They have sent me to collections as a charge off yet I am paying them monthly from my back acct. It is now on my credit report
03/06/2023	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 75204	Web
There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must actually SPEAK to me by telephone or in person about the debt. Or mail a letter or send an electronic communication about the debt. I have never spoken to anyone and no one sent me a letter or e-communication.
06/04/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63111	Web
The company sends texts and emails multiple times a day. I assume they are trying to call but they use shady phone number spoofing tactics. I have asked them to stop contacting and harassing me and they just ignore the requests repeatedly. I attempted to tell them I refuse to pay and still constant contact.
08/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53217	Web
I took out the loan, but later added it to my XXXX consolidation, and they refuse to quit contacting me. The XXXX company has contacted them numerous times as well, with my power of attorney papers and they still contact me several times a day from many different numbers. EMONEY USa ... never use them
08/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78260	Web
I am unaware of an Emoney loan. They are reporting a charged off account on my credit bureaus stating i owe {$1000.00}. i did not borrow from this firm and would like this to be removed. I contacted the firm previously to ask for a validation of debt and did not receive any notice.
04/10/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 78260	Web
EMONEYUSA HOLDINGS LLC is reporting a balance due for an account/loan I never requested. I have no knowledge of this account and am requesting that they be investigated and the account be removed from my credit.
01/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75181	Web
XX/XX/2020, I reached out to the company and asked if paper billing was available, they said that they would not do paper billing.
01/09/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NV 89104	Web
Clairity bank has made several inquiries on my credit report without my permission. I have not given permission to this company.
09/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 75252	Web
They are using fraud and fear tactics. Threats of criminal prosecution
07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77441	Web

04/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75928	Web

12/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information is missing that should be on the report	OH 45242	Web

12/09/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 76549	Web	Servicemember

10/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 64429	Web

09/15/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 64012	Web

06/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77591	Web

02/28/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77027	Web

02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75248	Web

07/23/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78253	Web

11/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76132	Web

08/16/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44646	Fax

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76643	Web