ENOVA INTERNATIONAL, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NY
  • 10016
Web
I borrowed {$3000.00} on Thursday, XX/XX/XXXX. Today is XX/XX/XXXX and I still owe {$2800.00} after payments. My monthly payment is {$380.00}. The interest rate is 149.86 %. After starting a new job which paid a bit better in XX/XX/XXXX, where I get paid only once a month, at the end of the month, I decided I needed help to work on paying off debt I had which I was unable to afford. I knew I would never be able to pay this debt off. With the interest rate as is, by the time I completed paying I would have paid {$9100.00} in total which is completely illogical and unreasonable and predatory. In XX/XX/XXXX I instituted a 90 day hold on my credit and my accounts due to my wallet, passport, all IDs and cards being stolen. My XX/XX/XXXX payment to XXXX was also stopped by my bank. At this time, I also enrolled with a debt management plan ( DMP ) that same month to reduce my overall debt, help me manage my debt, and to improve my credit. My DMP contacted XXXX and submitted a proposal to settle the account in XX/XX/XXXX but due to some error/delay on XXXX, the plan did not become effective that month and I did not learn this until almost a month later at the end of XX/XX/XXXX. By this time XX/XX/XXXX payment was past due despite XXXX receiving and accepting my DMP in XX/XX/XXXX. During Late XX/XX/XXXX I called XXXX who told me the XXXX agent who received my XX/XX/XXXX DMP info forgot to fax over the paper work or something similar. My account was actually falling past due, because of the delay by XXXX in starting the plan, with interest rapidly accumulating all that time and I was never told, even when I spoke to XXXX directly during that XX/XX/XXXX call. I am the one who initiated the late XX/XX/XXXX call to XXXX with my debt management plan representative to ensure that once and for all everything was set in place. My DMP had already begun to send payments prior to this call which to XXXX cashed. XXXX XXXX did not mention that XX/XX/XXXX payment was past due and not part of the plan despite already receiving a payment from my DMP that obviously applied to XX/XX/XXXX payment since it was received so soon after the DMP letters end of XX/XX/XXXX. After the late XX/XX/XXXX call with XXXX me and my DMP representative, XXXX finally got my DMP all necessary documents. During that call the XXXX agent actually proposed a new lower payment to me directly to ME and asked ME directly if I would accept a new lower payment of {$140.00} a month. I of course told the agent I agree to this amount and was happy I would finally be able to manage payments. After that my DMP agent on the line thanked the XXXX agent as well. It is now XX/XX/XXXX and I check my credit report to see that I have been reported as past due from XXXX since XX/XX/XXXX and up to 90 days delinquent. I called XXXX to find out what is going on. It was then I learned the real terms of my plan and that XX/XX/XXXX payment was even pastdue and not part of my plan or even considered in the whole strategy to reduce my debt via the plan XXXX proposed to me during that late XX/XX/XXXX call. XXXX intentionally failed to tell me that the new lower payment does not matter when it comes to credit reporting and they will still actually report me past due since {$140.00} is not the full amount of {$380.00}. XXXX XXXX is the one who proposed the XXXX amount to me. It was the amount they said they would accept, to ultimately get the loan repaid and to " help me '' manage payments. Had I know I would receive negative marks and would be considered past due even though I was paying what they told me to pay, I would have never told the agent I agreed to the plan and the lesser amount. The XXXX agent intentionally misled me to believe that my new payment of {$140.00} would indeed by my new modified monthly payment on the loan with a more reasonable interest rate. Additionally, at the time the proposal was made, the agent did not inform me that my XX/XX/XXXX due payment would not be included in the plan, nor would have the new lower monthly rate thus XX/XX/XXXX payment was marked passed due to this date. No reasonable person would want to make monthly payments only to still be reported negatively. The purpose of debt management plans is to eliminate debt and to improve credit. In fact throughout the whole conversation it was never mentioned that I was ever past due and that XX/XX/XXXX would remain outstanding despite the plan. I have now received several derogatory marks to my credit. I called XXXX and explained all that happened, how I was misled and spoke to several agents and managers yet no one at XXXX took responsibility for the agents misleading comments which effectively fraudulently induced me to accepting the plan. I also explained why the XXXX payment was even blocked by my bank and yet XXXX refused to help. The listened to that late XX/XX/XXXX call and could confirm I was indeed on the call and that I was spoken to directly by the XXXX agent and that it was never mentioned me paying {$140.00} didnt matter in regards to credit reporting and that I would still be reported as late. Last week, the week of XX/XX/XXXX, I spoke to a XXXX agent who is the one who actually finally revealed to me, the truth about my plan only after I asked several questions. She told me that my account would continue to be reported negatively even if I made the payments of {$140.00} because it was not the full {$380.00} amount. Upon hearing this I immediately cancelled the plan. I was grateful that someone at XXXX offered to finally tell me the truth and even offered to bring the account current via several payments. As of today I only have {$380.00} left to make the account current. I spoke to several agents today XX/XX/XXXX and they all refused to take responsibility for how I was misled when I initially accepted the plan, they did not want to remove any derogatory marks reported to my credit as a result of their intentional delays, miscommunication and witholding of all information needed for me to make a true informed decision about the plan. They told me I could only dispute the credit bureau and they would not give me copies or transcripts of our conversations without a subpoena. I still can not afford these payments every month. The interest rate is too high and XXXX wont help me and now has damaged my credit severely. I had never missed a payment before XX/XX/XXXX and in fact had a previous XXXX loan that I paid in full. Despite the reasonable case I made, and despite the fact I was induced fraudulently by the agent to accept the plan, XXXX has stated several times they will not correct the derogatory marks on my credit report. They are acting completely unreasonable. Had it been clearly communicated that XX/XX/XXXX payment was not part of the plan and still past due I would done something about it. I would never ever let something go past due for 60+ days. The account was in good standing prior to XX/XX/XXXX, my decision to work with XXXX on the plan was a show of goodfaith and effort on my end to actually keep the account in good standing and paying of my debt. I sought to speak to someone higher than a manager and they said I could not. They said I could not get the information of who the mangers report to, even though there is someone they report to and I could not speak to them by phone or email. It is completely unreasonable for a company like this to not make available to its debtors the opportunity to escalate issues like this, especially when agents had mislead a customer. I cant even get proof they misled me without a subpoena according to them, despite them re listening to the call today and telling me that I indeed heard what I heard. Instead they said they did not have to tell me XX/XX/XXXX was past due and that XX/XX/XXXX was not part of the plan and that I should have asked. How can someone make a truly informed decision and plan to pay off their debt if agents intentionally withhold information and are this inadequate and not thorough? Instead of behaving honestly, they behaved very deceptively throughout this whole ordeal. I am merely trying to improve my life and credit and eliminate debt and they wont help. I was trying to protect the little money I had when I had my credit froze and accounts blocked. With loans at 149 % it is almost cruel to leave people without any options when they are willing to work with the company. The derogatory marks do not accurately reflect the situation.
05/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92129
Web
I have made several attempts to pay off my balance. XXXX and again XX/XX/XXXX, but their representative continue to make errors during processing while continuing to charge me interest daily. I think the loan is paid, I check my bank and no payment is processed and then I get a late notice email several day later. This is a SCAM. They are trying to keep me from paying off my balance so that they can continue to charge me interest. XXXX Thu XX/XX/2020 XXXX XXXX Reply Forward Dear XXXX, Account # : Thank you again for choosing NetCredit. Please take a moment to review this new Electronic Fund Transfer ( EFT ) authorization. You will need to enter the following information in order for us to update your banking information. Bank Name Routing Number Last 4 digits of Account Number Account Type Last 4 digits of your Social Security Number Please make sure you review the following document. The last 4 digits of your Social Security Number will represent your electronic signature when you reply. In addition to completing this form, you must also submit a copy of a voided check OR a traditional bank statement to update your banking EFT authorization. AUTHORIZATION FOR REPAYMENT BY EFT EFT Authorization for Installment Payments, Fees, and, in the Event of Acceleration, the Loan Balance. This AUTHORIZATION FOR REPAYMENT BY EFT authorizes [ Insert Lender Name Here ], LLC, d/b/a NetCredit to perform the functions specifically listed below relating to the following bank account ( Your Bank Account ) Bank Name : Routing Number : Last 4 digits of Account Number : Account Type : Checking You authorize us to initiate an electronic fund transfer through the ACH network ( or another network of our choosing ) ( EFT ) from Your Bank Account for the following : Each of the installment payments due under the Consumer Installment Loan Agreement ( or, if you make a partial installment payment, the amount of the installment less the amount of any such payment ) on or after its due date ; In the event that you default and we declare the entire outstanding balance ( the Accelerated Balance ), including all accrued and unpaid interest and fees that you owe under this Agreement, due and payable, the Accelerated Balance ; and The amount required to correct any error we make in processing an EFT. If any payment can not be obtained by EFT, you remain responsible for such payment and any resulting fees under the Agreement. You agree that we may resubmit any returned EFT as permitted by law and network rules. We are not responsible for any fees you incur in connection with rejected payments. You agree that we do not need to provide you with advance notice of an EFT we initiate for an installment payment if the amount of the EFT is less than the installment payment ( for example, due to a partial payment ). You acknowledge that the origination of EFT transactions to Your Bank Account must comply with the provisions of U.S. law. Modified Charges. Instead of or in addition to any of the EFTs described above, you authorize us to process any EFTs you subsequently confirm by phone, fax, text message, email, or by logging into your NetCredit account. Range of Varying Amounts. Your scheduled installment payments provided in the Payment Schedule shown above will vary if : ( 1 ) you make partial payments ; and/or ( 2 ) you are assessed any late charges pursuant to the Agreement. The range of your scheduled installment payments will normally not vary by more than the amount necessary for such adjustments. If your scheduled installment payment exceeds the described range, we will send you notice at least ten ( 10 ) days in advance of the payment. You may elect to receive notice in advance of any payment amount that varies from that which is in your payment schedule or your most recent payment. To receive advance notice of all varying amount payments, you may call us, c/o NetCredit, at ( XXXX ) XXXX, or write us via fax at ( XXXX ) XXXX or email at XXXX. Termination. You may terminate one or all of the authorizations to initiate EFTs from Your Bank Account set forth above by calling us at XXXX, in writing by fax at XXXX, or email at XXXX. We will discontinue initiating any EFTs you specify as soon as we reasonably can and, in any event, within three business days after receiving your termination request. Your Bank Account Information. If there is any missing or erroneous information Your Bank Account or the depository that offers it, then you authorize us to verify and correct such information. You have given us certain information from Your Bank Account so that we can verify the account number and routing number and you acknowledge that Your Bank Account is a legitimate, open, and active account. Full Force and Effect. This EFT Authorization will remain in full force and effect until ( i ) we have received written notification from you of its termination in such time and in such manner as to afford us and the Depository a reasonable opportunity to act on it, or ( ii ) upon full and final payment of the amount you owe us under this Agreement. Optional EFT Debit Authorization. PLEASE NOTE THAT YOU ARE NOT REQUIRED TO SIGN THIS EFT AUTHORIZATION TO ENTER INTO THIS AGREEMENT. THIS EFT AUTHORIZATION IS FOR YOUR CONVENIENCE IN PAYING AMOUNTS OWED AND RECEIVING THE LOAN PROCEEDS UNDER THIS AGREEMENT. BY SIGNING THIS EFT AUTHORIZATION BY CLICKING THE " I AGREE '' BUTTON BELOW, YOU ACKNOWLEDGE THAT YOU ARE VOLUNTARILY CHOOSING TO PAY AMOUNTS OWED AND RECEIVE YOUR LOAN PROCEEDS ELECTRONICALLY AND THAT YOU ARE CHOOSING ONLY TO RECEIVE NOTICE OF VARYING TRANSFERS WHEN A TRANSFER EXCEEDS THE RANGE SPECIFIED ABOVE. SECURITY. Pursuant to Comment 2 ( a ) ( 25 ) of the Federal Reserve Board Official Staff Commentary to Regulation Z 226.2, we have disclosed to you that our interest in the EFT Authorization is a security interest for Truth-in-Lending purposes only, because federal and Utah law do not clearly address whether our interest in the EFT Authorization is a security interest. By electronically signing this Authorization by typing in the last four digits of your social security number below, you certify that you have fully read and understood the sections of this Agreement captioned AUTHORIZATION FOR REPAYMENT BY EFT, you agree to comply with, and be bound by, their terms and you agree and understand that you are authorizing us to credit your Bank Account with the proceeds of your loan and to debit Your Bank Account for the amounts owed under this Agreement. Enter the last 4 digits of your Social Security Number Please be sure to contact our Customer Support Team at least two business days before your due date to request changes to your account. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX CT and Saturday - Sunday, XXXX at ( XXXX ) XXXX. You can also sign in to view your account details online at any time. Sincerely, The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX www.netcredit.com We want to hear your feedback! Tell us how were doing by sending an email to XXXX.
11/08/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77407
Web
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 METRO 2 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 The Better Business Bureau, 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 ( XXXX ) 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. NC FINANCIAL bal. {$5000.00} 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
11/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94577
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant 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 The Better Business Bureau, 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. NET CREDIT & {$0.00} 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 XXXXXXXX
05/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
On XXXX XXXX 2020, I submitted a complaint to the Consumer Financial Protection Bureau, which read : I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}. At the time, I alerted CashNet USA of my complaint and requested a response. On XXXX XXXX, I received confirmation from CashNet USA of a payment arrangement to settle my account. The XXXX XXXX email states that {$200.00} would be due on XXXX XXXX. From that time forward began a series of communication on behalf of CashNet USA attempting to illicit more than the agreed upon amount from me. Instance # 1 : On XXXX XXXX I received an email stating I owed {$200.00} on XXXX XXXX when I had, just three days prior, received confirmation of the XXXX XXXX due date. Instance # 2 : On XXXX XXXX I received an email stating I owe {$1400.00}, but that CashNet USA would settle for {$700.00} adding {$500.00} to what I was told was due in the XXXX XXXX email. I countered that email and, in the interest of being a good customer, offered to pay {$550.00} rather than the {$200.00} communicated on XXXX XXXX or the {$700.00} communicated on XXXX XXXX Instance # 3 : On XXXX XXXX CashNet USA responded stating I now owed {$1400.00} ( up from the {$1400.00} stated on XXXX XXXX. They went on to say they would accept {$550.00} with a payment of {$350.00} on XXXX XXXX and {$200.00} on XXXX XXXX. I agreed. Instance # 4 : On XXXX XXXX CashNet USA sent an email that read : As a result of several missed payments on your Line of Credit with CashNetUSA, the full outstanding balance of {$1400.00} is now due and payable. I IMMEDIATELY responded, as I had not missed a SINGLE paymentNOT ONE!!! I received a response that stated Please ignore the email that was sent today XX/XX/2020 regarding a payment planyou will not receive any more emails. I fired back a response that an apology was less than acceptable. This was a deliberate attempt by CashNet USA to scare additional funds out of me. This was calculated and threatening in nature. I filed yet another CFPB complaint demanding that my account be settled for the {$350.00} to be paid on XXXX XXXX due to CashNet USAs fraudulent attempt to scare {$1400.00} out of me. CashNet USAs response to that complaint was Oopssorry! Ridiculous!! Oh, but it continues! I paid the {$350.00} and the check CLEARED my bank account on XXXX XXXX!!! Instance # 5 : On XXXX XXXX, I received an email from CashNetUSA that read : Oops! A recent payment on your Line of Credit has returned as unpaid. We understand that this can sometimes happen. If these funds are now available, please let us know - well resubmit the payment ASAP with no additional payment processing fee. So, my check cleared three days prior YET CashNet USA tried to claim it was returned and tried to extort an additional {$350.00} from me under the guise of helping me out. I IMMEDIATELY filed a complaint with NO RESPONSE yet I suddenly got an email that read : This email is to confirm that your check has been received as of XX/XX/ 2020, in the amount of {$350.00}. So, suddenly what wasnt received actually was received. Convenient! I pointed this amount and pleaded for CashNet USA to do the decent, ethical and moral thing and close my account as paid without requiring the XXXX XXXX payment of {$200.00}. I got no response to my pleas. I filed complaints to the Better Business Bureau, Federal Trade Commission and CFPB. Instance # 6 : On XXXX XXXX, I received an email that read : due to your recent communication advising that you no longer would like to continue with the settlement payment planthe settlement agreement is null and void. As of today XX/XX/2020, your outstanding balance for your Line of Credit loan is {$1100.00}. I NEVER EVER communicated any such thing!!!! I ASKED for CashNet USA to be ethical and not greedy, but there response was to LIE and say I revoked the agreement that I DID NOT DO! They then AGAIN attempted to collect more money from me using a SCARE tactic! I informed CashNet USA that I found it fascinating that the moment I informed them that I reported their scare tactics used to illicit more money from me, they respond with another scare tactic attempting to illicit more money from me. Suddenly on XXXX XXXX, a payment of {$200.00} due by XXXX XXXX was again all that CashNet USA was seeking. Instance # 7 : I received in the mail today a letter dated XXXX XXXX informing me that I owe {$1400.00} by XXXX XXXX!!! I have NO words!!! So the despite claiming the emails sent to me demanding additional funds were sent in errorremember CashNet USA said Oops! despite those emails being mistakes, CashNet USA STILL mailed me a letter saying I owe {$1400.00} by XXXX XXXX. Was that an error as well???? CashNet USA enters into a settlement agreement yet then CONTINUOUSLY BARRAGES me for more money!!!! CashNet USA owes me more than an Oops!. CashNet USA needs to do what is moral and ethical and waive the {$200.00} due on XXXX XXXX and close my account TODAY as PAID IN FULL!!!!!
03/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30328
Web
My name is XXXX XXXX XXXX. I'm writing this message on behalf of following up with your office regarding the correction of INCORRECT LATE PAYMENTS. I've been in communication with Net Credit, XXXX & XXXX multiple times. It's extremely frustrating to be in the situation because ALL parties have been grossly negligent in making their wrongs right. XXXX & XXXX has conducted several FAKE investigations and refused to make the proper adjustments to my credit score. Granted they have deleted a few of the Erroneous allegations but Net Credit continues to report INCCORECT LATE PAYMENTS every single month. There are multiple letters and supporting documentation on file that I've sent to XXXX & XXXX. Each time they have failed to properly protect me as a consumer and Net Credit has been allowed to repeatedly damage my CREDIT REPUTATION. I've also contacted Net Credit directly and have been told on multiple occasions that the LATE PAYMENTS have been placed on my profile in ERROR. However, as of XX/XX/XXXX the problem has not been addressed and continues to get worse. XXXX and XXXX are managers in your company that have basically ignored my request to speak with them to resolves these issues. XXXX contacted me ONCE to apologize and tell me that everything would be corrected with 30 days. I believe that was in early XXXX. I'm sure if you pull my file with Net Credit you can review the notes. We are in a GLOBAL PANDEMIC and I've NEVER requested a payment waiver or any type of lenience. Even though Net Credit has single handily, recklessly and irresponsibly ruined my CREDIT SCORE I've continued to pay ON TIME every single month. The is NO reason that a consumer should have to deal with such a traumatizing circumstance such as this. I'm a XXXX XXXX XXXX and haven't been able to purchase any property due to the instability and fluctuation of my report. Therefore, Ive suffered a tremendous FINCIANAL LOSS due to this foolishness. The ENTIRE Credit System has MAJOR FLAWS that need to be addressed ASAP. There is ZERO ACCOUNTABLITY AND NO TRANSPARANCY. I'm beyond XXXX XXXX because I've worked so hard a Single Mother to create a solid financial foundation on behalf of my children. In the last 5 Years I haven't been late on any of my other expenses and haven't had any new items to be reported. In the last 3 years I've paid over XXXX on a loan that was originally XXXX. My Payment is {$510.00} every month. I still have 2 more years to go so CLEARLY I would be paying close to XXXX before it's all said and done. I have a background of 20 years in the Banking & Finance Industry. At the time I got this Loan I was in need a breakthrough. Now, looking back on the terms every one of them is a perfect description of PREDATORY LENDING! The Credit Bureaus have failed us and it's a shame that we have to FIGHT over and over again in order to make things RIGHT. I subscribe to a Monthly Credit Monitoring services that keeps me informed on ALL of the discrepancies that are reported on a daily basis. I'm genuinely tired at my wits end with every aspect of this process. I can go on and on but for the sake of my SANITY I'm going to stop here. EVEN THOUGH I'M SAD, ANGRY & DISAPPOINTED I'M GOING TO KEEP GOING UNTIL I REACH THE FINSH LINE AND HAVE MY CREDIT RESTORED TO IT'S ORGINAL STATE. MAKE NOTE THAT I'M NOT GOING TO STOP. I HAVE A 100 % PAYMENT HISTORY ON ALL OF MY OTHER ACCOUNTS! PLEASE REVIEW THIS SUMMARY AND TIMELINE OF EVENTS. I've attached supporting documents and can provide additional information as requested. XX/XX/XXXX - 30 DAY LATE PAYMENTS *Fortunately those have been corrected. XX/XX/XXXX - 30 DAY LATE PAYMENT *Fortunately, this have been corrected. XX/XX/XXXX - 30 DAY LATE PAYMENT *Net Credit LOST my payment when I called regarding the 30 day late they completed and investigation. Once the payment was found they tried to correct it in the system and failed to do so correctly. There is STILL a 30 day late on my Credit Profile because of this. Supporting Documents Attached : XXXX & XXXX XXXX XXXX Payments XX/XX/XXXX - 30 DAY LATE PAYMENT *Fortunately, this have been corrected. XX/XX/XXXX - 30 DAY LATE PAYMENT *Net Credit made up a lie and said I owed the XXXX Cents. HOW IS THAT POSSIBLE? I always pay the exact amount that is requested on the Payment Portal. They are literally making up stuff. XX/XX/XXXX - 30 DAY LATE PAYMENT *At this point I realize that there is a huge SYSTEM ISSUE within Net Credit. There is no way that I'm late. I have a payment schedule that XXXX ( One of the managers sent me last year that keeps me on track. Even though they denied the system error I was standing firmly on this fact. XX/XX/XXXX - TWO 60 DAY LATE PAYMENTS *Whew, I can't keep up with all this stuff but I'm doing my best. Soon as I got the notification regarding the 60 day Late I called Net Credit and was told " THERE WAS A SYSTEM MALFUNTION AND ALL OF THEIR LOAN HOLDER GOT 60 DAY LATES IN ERROR what in the unethical, breaking the law, injustice is going on here? Please I need answers NOW?????? XX/XX/XXXX - 30 DAYS LATE XXXX made my payment on time, so I honestly have no clue as to what they are talking about. I have Paid this company so much money and have been treated very unfairly. I have MULTIPLE documents that can be provided per request.
01/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • XXXXX
Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Tx XXXX CashNetUSA Customer Support XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, IL XXXX Cc : Federal Trade Commission Cc : Consumer Financial Protection Bureau To Whom It May Concern : Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S. Code 7006 and 16 C.F.R. 444.1 ( d ) holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name ( XXXX XXXX XXXX ) and as the agent and administrator in fact Notice, it is a fact, affiant is aware, that CashNetUSA Customer Support is a creditor as defined in 16 C.F.R. 433.1 ( d ) A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied in whole or substantial part to purchase of goods or services from a seller who ( 1 ) refers consumers to the consumers to the creditor or ( 2 ) is affiliated with the creditor by common control contract or business arrangement. Pursuant to 16 C.F.R. 433.1 ( b ) I am a consumer, natural person who seeks or acquires goods or services for personal, family or household purposes in accordance with. This loan request was to be used for personal, family and household purposes. Pursuant to 12 C.F.R. 1002.9 ( b ) ( 2 ) and 15 U.S. Code 1681a ( k ) affiant is aware you are unable to deny credit due to credit score. This is adverse action and violates consumer rights as well as Equal Credit Opportunity. Prohibited Practices 12 C.F.R. 1002.4 Regulation B contains 2 comprehensive prohibitions against discriminatory practices : 1 ) A creditor shall not discriminate against an applicant on a prohibited basis regarding aspect of a credit transaction. 2 ) A creditor shall not make any oral or written statement, in advertising or otherwise applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. A creditor may not advertise its credit services and practices in ways that would tend to encourage some types of borrowers and discourage others on a prohibited basis. In additional a creditor XXXX not use prescreening tactics likely to discourage potential applicants on a prohibited basis. Instructions to loan officers or brokers to use scripts, rate quotes, or other means to discourage applicants from applying for credit prohibited basis are also prohibited. I read all of your privacy policies and it says you gather information from third party sources to make determinations about me, my credit determination, and my account along sharing my information personally identifiable and anything else you deem fit to them. I found out not only is that illegal, but its violating my rights Pursuant to 18 U.S. Code 1028A - Aggravated identity theft. ( Exhibit J ) The use of consumer disclosures not direct to the person being considered is illegal. You did not ask someone who knew me personally about me spending habits and as a result you charged be higher interest rates and that is illegal. All of the above are examples of fraud, false misrepresentation, conversion, RICO, breach of contract, and collusion is pursuant to 18 U.S. Code 1341 - Frauds and swindles is the appropriate statute. I am requesting the Loan total requested be granted immediately. This was to be used for personal family household expenses. I was denied credit which isn't possible and this company gave me adverse action. I had to go with a worse consumer credit transaction. This was to be used for personal household food and clothing. No where in Chapter 15 does it state you can be denied for CREDIT, only employment and insurance. You have 7 days to respond. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by CashNetUSA Customer Support herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. JURAT Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc. I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it. XXXX XXXX, consumer/natural person
02/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • XXXXX
Web
XXXX has failed to address my concerns about being deceived into accepting a repayment plan that resulted in a large past due balance as well as negative marks reported to my credit. I incurred a large past due amount because I was misled deceived and tricked by netcredit into accepting a repayment plan they proposed. After I accepted their plan, payments were sent equal to the new lower monthly amount proposed by XXXX. My Credit Counseling Agency sent these payments on my behalf. To reiterate, I am the one who spoke directly with XXXX, over the phone, verbally accepting their repayment plan. During this conversation that I verbally accepted the plan, XXXX agent proposed I pay a SUBSTANTIALLY lower monthly payment, a payment I was told will become my new monthly payment. This was the ONLY thing communicated to me in this call about the repayment plan and then the Agent asked me, " Do you accept this new monthly payment amount ''. I later learned that I was not told the full terms of the plan. In XX/XX/2018 I called XXXX because I saw a series of negative marks on my credit report. During this XX/XX/2018 call, after a long series of prodding questions to their Agent, I finally learned the exact terms of XXXX repayment plan. I was told by an agent that the new lower monthly payments I had begun to make did not satisfy my monthly payment because they were not the full amount due under the initial terms of the loan and I would be reported as past due every single month as long as I was under this plan. Once the agent told me this, I told her that XXXX DID NOT tell me this would happen to me. I told her only thing XXXX did was propose a new low amount and then verbally asked if I accepted this new lower monthly payment with a Yes or No. I then immediately terminated the plan. I also was told during this call that the amount due in XXXX was not included in the plan and it was also past due. Again, I was never told it was not part of the plan when I initially accepted the plan. For clarity, XXXX was contacted in late XXXX, by my Credit Counseling Company on my behalf seeking repayment options. This occurred in late XXXX at my direction, only a few days past my due date to set up some type of plan because I could not afford to pay my XXXX payment. NetCredit provided a response to my Credit Counseling Company yet failed to implement the plan for some reason. I subsequently called directly to netcredit because they had failed to fax over everything needed to my credit counseling company and/or was not responding to their calls. Again, at this time netcredit failed to mention that XXXX amount wouldn't be part of the plan. It was also at this time netcredit proposed to me a lower monthly payment and asked ME directly if I would accept this lower monthly payment as discussed above. XXXX failed to tell me when they proposed to me a new lower monthly payment that I would be reported past due every single month even if I paid this new lower amount every month. XXXX failed to tell me they would not include the XXXX amount due in the repayment plan. XXXX XXXX ONLY told me about the new lower amount, an amount which is substantially lower than the regular monthly amount, which enticed me and mislead me into accepting the plan Had I known the full details of the plan proposed by XXXX, I would have opted for a plan that would not result in negative notations and I would not have accepted the plan they proposed. No reasonable person would put themselves what I have been through by XXXX and NO reasonable person would pay a monthly payment that would result them to be reported negatively. There are still years remaining till full repayment. Meaning under their plan I would be reported negatively to my credit for years. No one would accept derogatory marks EVERY MONTH for YEARS even though they were paying exactly what was proposed by the creditor. The negative marks are inaccurate because they are based upon misleading and deceiving statements made by XXXX agents. XXXX XXXX failed to fulfill their duty to inform their customer of the full terms of the plan, even though I was on the phone with them and they could have. I was deceived by XXXX and I should be compensated by XXXX with the removal of these marks. When I complained i XX/XX/2018 about this, the agent said " I should have asked '' and they didn't have to tell me the full impact of their plan. That is absolutely crazy! I was right there, speaking directly to them on the phone and all they had to do was let me know what exactly I was agreeing to and that I would still be past due for XXXX under their plan. But for some reason the company believes they didnt have to share any of that. I struggled to pay this past due amount and now I am hoping the damage done to my credit by XXXX inaccurate reporting can be resolved by XXXX. The entire purpose of a repayment plan is to pay what is due on the amount and so that moving forward, payments will be more affordable.
04/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 231XX
Web
I received a loan in late XXXX in the amount of {$1500.00}. Covid happened I was not working the same hours then I eventually had to quit my full time job in XX/XX/XXXX due to my son having to do virtual learning. I called to set up a payment plan but I fell behind and they would not allow me to choose a different payment amount to try and keep up instead they constantly charged a ridiculous amount of interest over time. I havent worked a steady job since the pandemic. I have no way of paying in which I have already let them know but I received an email this week stating I owe them {$4100.00} and that it has defaulted and will effect my credit. Arent such loans illegal now what can I do to make this loan stop gaining such high interest? The email read : NOTICE OF RIGHT TO CURE DEFAULT XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX of Utah, XXXX, XXXXXXXX NetCredit XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX Default Amount : {$4100.00} Cure default before : XX/XX/XXXX Our records show that Loan # : XXXX funded on XX/XX/XXXX in the original amount of {$1500.00} has a default balance of {$4100.00} due to nonpayment of obligations on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX The total default balance includes {$870.00} in principal, {$2700.00} in interest, and {$510.00} in late fee charges. If you do not cure the default amount before XX/XX/XXXX, then your entire outstanding balance may be accelerated and become immediately due and payable without further notice, demand, or right to cure. We may exercise our rights under the law including : ( 1 ) pursuing collections through a third party collections agency If you are late again in making your payments, we may exercise our rights without sending you another notice like this one. Remember that we report payment activity to major credit bureaus, and late payments could hurt your credit score or damage your credit health. For this reason, it is crucial to resolve your past due balance as soon as possible. Please send all payments to NetCredit. You can sign in at www.netcredit.com to set up a payment online or call us at ( XXXX ) XXXX to speak to a representative about payment options. You XXXX also mail your payment to us at our address below. Our Collections Team is available Monday - Friday, XXXX - XXXX XXXX and Saturday, XXXX - XXXX XXXX. Sincerely, The NetCredit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com To ensure delivery of important updates from NetCredit please take a moment to add XXXX to your email address book. You can disregard this letter if you already made payment arrangements for the entire amount due ; or you filed for bankruptcy and received a discharge. Pursuant to applicable state law, this letter affords the consumer an opportunity to cure his or her default before the creditor will exercise its rights. *** Terms and Conditions Apply *** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To stop further collection emails, please fill out the collections opt-out form : www.netcredit.com/collections-opt-out. For California Customers : The state XXXX Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They XXXX not harass you by using threats of XXXX or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
01/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OK
  • XXXXX
Web
Hi, I received a line of credit number XXXX of XXXX, from XXXX XXXX on XX/XX/XXXX. Any reference stating loan is a mistake that should be line. I had asked for assistance in XX/XX/XXXX due to COVID-19 wage reduction issues. I was approved to make a payment of {$100.00} to keep my account current. I have emails that state this also. At that time, they pulled my ability to make additional drafts on the line of credit. The remaining payments would just go to the back of the loan. I was not told that this would cause additional interest to be charged for the payment assistance. I did not pay attention to this. I had a payment rejected due to an identity theft issue. That has an open case on XXXX, I provided the a copy of this. I received an email with XXXX " time limited '' offers to payoff the loan. They only sent these in an email, and did not give me offers in writing, through the mail. It was also a pressure tactic to give 15 days to accept an offer. Which if I had, this would have made me pay more interest. I was offered a payment recalculation, or a lower payoff amount with payments over 12 months from the collections department. I told them I was just letting them know that I was having issues, I asked for a payment history in XXXX format to investigate the payments I have made. They refused at first, and told me to pull all of my statements. They then emailed me a PDF, and stated they could only provide a pdf, but the PDF is made from a table, that could have been used to easily calculate the payments made. I then found out that they considered my loan in default since I made the {$100.00} payments, and was given the opportunity to put the remaining part of the payments to the back of the loan. I also found out that they have considered my account in default since that time, and additional interest was being charged for those amounts, until the end of the loan. This is against the loan agreement, and the information I was provided when they assisted me with payments due to COVID-19. This is an unsecured line of credit. So I was able to find out through the PDF that by the end of the line payments that go to XX/XX/XXXX, I will have paid $ XXXX. The line agreement states that any payments first apply to any default amounts, however, it was news to me that they were placing me in perpetual default to the end of the loan. The line agreement states interest was 44.1 %, and that this would be interest of XXXX per day. Which was a ridiculous amount, but at the time I took this out, I was under duress due to having just XXXX from a XXXX XXXX XXXX, and we were short on cash. I had planned to pay this off early, but COVID-19 hit in XXXX. So I could make an argument that I was not in the XXXX XXXX XXXX to enter into this agreement at the time. Oklahoma does not allow fees to be taken out for a draw on a line of credit. Collections stated they were not taking fees out for any draws, but seeing the interest rates, it appears they may be, and disguising them under interest. So on a {$22000.00} line of credit, I will have paid $ XXXX in interest. So a draw has a 2 year payment term on them, I made 2 additional small draws in the time of the line before they pulled the ability to draw more. So they are charging double, then triple interest for each draw, along with what seems to have a fee attached for the draw. I found out when I was inspecting my XXXX, that they were doing investigations into my home as collections. So it appears they were also going to attempt to take assets due to a default, which was an approved payment extension, with paying the {$100.00} as asked, which of course, went straight to interest. They continued to charge additional interest on the draws until the end of the loan per the payment history/amortization schedule. I would state that this is extreme predatory lending, which their parent company, XXXX, is in the business of payday and title loans as well. So, in my opinion, this company is set up to take advantage of people that are really in need of money, by charging unreasonable amounts of interest. So in looking at the amounts, they are charging more than double the amount of interest. They also breached several provisions in the contract, have a mandatory arbitration clause, and state this is an unsecured line of credit, but were going in the background with a lookup for my home with information to foreclose. Unfortunately, I'm not able to send proper copies of the emails. Headway sends them in .html format that they can change. Most of the emails have turned into html code with the message mixed in that has several items removed.
10/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84341
Web
On XX/XX/2020 I was desperate and in duress and applied for the payday loan at CashNetUSA. I gave them all of my information to see if I would even qualify. I then received a payday loan for {$550.00}. My " Advance request '' was deposited the same day. I received an email giving me my customer ID and loan amount. I didn't receive any other information regarding my loan. I had to submit a request to find out when my payments were due. They were due twice monthly and the payment amounts varied. I have never seen a statement from CashNetUSA, only reminder emails. I fell behind on my unknown payments and very quickly lost sight of the other end. When I asked the company, " How many payments do I need to pay to pay this off? '' They always responded, " We will not know until your next statement is generated. '' I recently asked how many payments based off my last statement and they had no answer for me. Their payment plans to " help '' you catch back up are generated for each overdue amount - meaning on top of my twice monthly charges, they would set up an additional payment plan for the overdue amount. I couldn't catch up and I frequently asked them to send me to collections. I couldn't keep up on the payments. I kept saying " I can not commit to payment '', " I can't afford this '', " I can't agree to this payment plan because I can not afford it on top of the payments. '' The most recent phone call, yesterday XX/XX/2020, I asked to be sent to collections and the representative told me that I was already in collections when the reality was I was in their internal collections. They knew what I meant. I have been recently coming out of XXXX that has been happening since before I got the loan and I asked the payment terms. How much I currently owe, which is {$1000.00}. I was told approximately {$650.00} of that was overdue fees and payments owed and approximately {$400.00} was what I still owed on my original loan. I could not believe that I have only contributed {$140.00} to my original loan. I have had frequent payments coming out of my account to satisfy their payment plans and was frequently over drafting my bank account. I was shocked and asked what the interest rate was. " 299 % '' I can not stress this enough, " 299 % '' They were asking me to sign on to a payment of {$160.00} a month ( that I was about to agree to ), they wouldn't tell me how many payments I would need to pay it off " until my next statement was generated. '' I can tell you how many payments I would need to pay it off - infinite. I could pay that the rest of my life, my children 's life, my grandchildren 's life, their children 's life, and forever. With the " payment plan '' they were using to " help me '' would have me in a position I could never pay it off. I had no idea that they were giving me such and incredible interest rate. I don't even have contract terms to look back on. I execute contracts for a living and in as much distress and duress I was under I can't imagine if I had seen those terms I would have EVER signed up for that loan. I have beat myself up since XX/XX/2020 that I signed up for a loan at all. I was between a rock and a hard place, scared. Now I realize if I had never come out of this fog I would have been paying this for the REST OF MY LIFE. No wonder I kept telling them that I couldn't afford this. I told them I was hopeless. I told them that I could never meet what they're asking off me and it's so clear why - it was impossible at any of the options they were giving me. At 299 % at the rate I was going was easily {$50.00} a week and growing that I was further indebted to them. They prey on people who are in a bad situation and need money, for whatever reason, charge them twice monthly, full well knowing that these people came to them because they were in a hard place, when people fall behind on payments they create new payment plans to " help '' them " catch back up '' and you " only '' need to pay a certain amount to do so when they are charging you horrific fees with a astronomic interest rate and not telling you how many payments they need for you to pay it off. They know you are taking a loan you will never, ever pay off. To break this down. I took out a {$550.00} loan, under duress from CashNetUSA, unknowingly at 299 %. My first minimum payment, charged bi-monthly, was {$67.00}. If I paid that twice a month my number of payments is infinity. My initial payments are too low to even cover the interest and not enough to ever pay off the loan. This company knows that and is taking advantage of people.
06/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30126
Web
In XX/XX/XXXX I obtained a personal loan Net Credit. The terms were unfavorable as I agreed to pay {$190.00} bi weekly at 58.9 % interest in exchange for a loan of {$7400.00} for a period 119 payments. The bi weekly payments started in XXXX & were paid on time until CoVid began. The last payment was made XX/XX/XXXX. Prior to my XX/XX/XXXX payment I called in and informed the customer service rep I will not be able to make my upcoming payment due to being impacted by CoVid. I was informed NetCredit would be suspending late fees and late payment credit reporting until at least XX/XX/XXXX. After XX/XX/XXXX the decision would be made on whether or not to extend their suspension. Even though I was told this, I received 5 emails alerting of my past due balance, prompts to make a payment, and threats of negative credit reporting. On XX/XX/XXXX I called in to remove my ACH Authorization and was encouraged to defer my XXXX payment to the end of my loan if I was not going to be able to pay. Still impacted by CoVid, I did defer my XXXX payment. On XX/XX/XXXX I found out I would be able to pay the full loan balance. When I logged into my account there was a principal remaining balance of {$7300.00} + past due balance of {$390.00}, but when I went to make the payment the payoff amount was {$8200.00}. I called in to confirm the amount and was informed the pay off balance was due to daily interest that accrued since my last payment 76 days ago. I offered to pay the principal balance and past due to satisfy my debt. I was informed a payment of less than the total payoff would show as settled on my credit report. Eager to be done with the situation I agreed to the payoff amount, only when I refreshed the screen it showed a payoff balance of {$8200.00}. I didnt question the change because I just wanted to be done with it all. The attempted payment was declined due to using a debit card for an amount that high. I provided a voided check via email and called back to initiate the ACH transaction. The rep assured me I would receive an email confirmation letting me know my balance had been satisfied in full. The email I received did not state I would be satisfying the loan, but that I had set up payment arrangements for my outstanding balance. In addition, the payment was scheduled for XX/XX/XXXX, not the day I called on XX/XX/XXXX. On XX/XX/XXXX I log into my account and I see there are multiple payments scheduled. Two payments on XX/XX/XXXX for {$190.00} and {$8000.00}. On XX/XX/XXXX a payment was scheduled for {$48.00}. This {$48.00} was also the protected payoff amount after the XX/XX/XXXX payments processed. I called immediately and was advised the rep with whom I previously spoke made an error and this person would correct the issue. The customer service rep removed all pending payments from my account, only leaving my principal and past due balance. The next problem came when the pending payments were removed, my payoff amount was now {$8100.00}. Convinced I am being scammed, I request to escalate my case to management. I am told the manager will call me before XXXX. At XXXX I call back and the rep I spoke with had no record on my account of any escalation. She also did not see any record of a pending payment having ever been set up, only the declined debit transaction. I am assured my case is being escalated and that I will hear from a manager by XXXX on XX/XX/XXXX. That evening I submitted a better business bureau complaint and began researching predatory lending practices. The following morning NetCredit reported to my credit a derogatory 30 day past due balance, after advising consumers XX/XX/XXXX would be the earliest a decision would be made with regards to credit reporting due to CoVid. On XX/XX/XXXX after XXXX I am writing this complaint and have still not received any communication from a NetCredit manager or otherwise other than to notify me of an attempt to process my regular payment of {$190.00}. Additionally, my fianc has an account with NetCredit and called in on XX/XX/XXXX looking to satisfy her account. She was informed her account had not matured enough to receive a payoff amount, although she received her initial loan in XXXX of XXXX. She requested her account be escalated and had not received a call back prior to the XXXX deadline. The following morning on XX/XX/XXXX NetCredit reported derogatory 30 day late payment. She also deferred one payment and was informed XX/XX/XXXX would be the first day a decision would be made about NetCredit 's CoVid policy.
04/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 366XX
Web Servicemember
I applied for loan with Cashnet USA online onXX/XX/XXXX. I was approved for a line of credit. Which I thought was good. I wasn't aware that they would be taking money out of my account every payday. I didn't apply for payday loan and I was under the impression that a line of credit meant that you were to pay monthly just like you do with a credit card. Well it didn't happen. I received {$1800.00}. 1.Advances and Other Debits {$1800.00} Fees {$270.00} Interest {$170.00} Account Balance {$2200.00} Amount Past Due {$0.00} Minimum Payment Due {$280.00}. Account Balance {$2200.00} Minimum Payment Due {$280.00} Payment Due Date XX/XX/XXXX 2.Previous Balance {$2200.00} Payments and Other Credits {$0.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$200.00} Account Balance {$2400.00} Amount Past Due {$0.00} Minimum Payment Due {$300.00} Payment Due DateXX/XX/XXXX 3.Previous Balance {$2400.00} Payments and Other Credits - {$700.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$200.00} Account Balance {$1900.00} Amount Past Due {$0.00} Minimum Payment Due {$290.00} Payment Due Date XX/XX/XXXX 4.Previous Balance {$1900.00} Payments and Other Credits - {$120.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$190.00} Account Balance {$2000.00} Amount Past Due {$0.00} Minimum Payment Due {$270.00} Payment Due Date XX/XX/XXXX 5.Previous Balance {$2000.00} Payments and Other Credits - {$290.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$170.00} Account Balance {$1900.00} Amount Past Due {$0.00} Minimum Payment Due {$250.00} Payment Due Date XX/XX/XXXX 6.Previous Balance {$1900.00} Payments and Other Credits - {$150.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$180.00} Account Balance {$1900.00} Amount Past Due {$0.00} Minimum Payment Due {$250.00} Payment Due Date XX/XX/XXXX 7.Previous Balance {$1800.00} Payments and Other Credits - {$250.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$160.00} Account Balance {$1700.00} Amount Past Due {$0.00} Minimum Payment Due {$230.00} Payment Due Date XX/XX/XXXX 8.Previous Balance {$1700.00} Payments and Other Credits - {$240.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$150.00} Account Balance {$1600.00} Amount Past Due {$0.00} Minimum Payment Due {$210.00} Payment Due Date XX/XX/XXXX 9.Previous Balance {$1600.00} Payments and Other Credits - {$230.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$140.00} Account Balance {$1500.00} Amount Past Due {$0.00} Minimum Payment Due {$200.00} Payment Due Date XX/XX/XXXX 10.Previous Balance {$1500.00} Payments and Other Credits - {$210.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$130.00} Account Balance {$1500.00} Amount Past Due {$0.00} Minimum Payment Due {$190.00} Payment Due Date XX/XX/XXXX 11.Previous Balance {$1500.00} Payments and Other Credits - {$200.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$130.00} Account Balance {$1400.00} Amount Past Due {$0.00} Minimum Payment Due {$180.00} Payment Due Date XX/XX/XXXX 12.Previous Balance {$1400.00} Payments and Other Credits - {$190.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$120.00} Account Balance {$1300.00} Amount Past Due {$0.00} Minimum Payment Due {$170.00} Payment Due Date XX/XX/XXXX 13.Previous Balance {$1300.00} Payments and Other Credits - {$180.00} Advances and Other Debits {$0.00} Fees {$0.00} Interest {$110.00} Account Balance {$1200.00} Amount Past Due {$0.00} Minimum Payment Due {$160.00} Payment Due DateXX/XX/XXXX I have paid a total of {$2600.00} on an XXXX line of credit and still have to pay Line of Credit Limit : {$2000.00} Outstanding Balance : {$1100.00} Available Credit : {$950.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$160.00} Scheduled Payment Date : XX/XX/XXXX Please help me in this matter. I think that it should be against the law for companies to be allowed to take advantage of people of lower income. I. Account Opening Disclosures Interest Rates and Interest Charges APR for Cash Advances 299.00 % Paying Interest You will be charged interest from the Transaction Date. Fees Transaction Fees Cash Advance 15 % of amount of each cash advance Penalty Fees Late Payment {$18.00} or 5 % of the unpaid amount ( not to exceed {$100.00} ), whichever is greater I have never been late. This is predatory lending at its finest and the thing about it all is that the State of Alabama allows things like this to happen to people in need.
10/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 37931
Web
XX/XX/XXXX I reached out to cashnet usa and notified I could pay XXXX on Friday XX/XX/XXXX and XXXX a month after - I requested the account to be closed and allow interest to stop and the loan would be paid in full with XXXX a month payments or more to what I could afford.. They declined and said that interest would continue. I pleaded again - but they said interest would continue until it was paid. I also stated to close my access to receive any additional funds I have included a chat session for review We take privacy seriously. We ca n't see your screen, but we 'll save a copy of our chat for training and quality assurance purposes. Ready to chat ... . XXXX, Welcome to CashNetUSA online support! In order to verify that you are the account holder, can you please provide me with your first and last name, home phone number and the last four digits of your social security number? . You, XXXX XXXX XXXX XXXX. , I was just talking to you. , we got cut off b4 I could finish tyong. XXXX, Hello. Thank you for verifying your account and for being a valued CashNetUSA customer. . How may I assist you today? . You, Im going to report you to the CFPB - this is not acceptable - I am asking for help - the intrest should stop when a person cant pay or the person would owe gobs amount -. XXXX, I will document your account for you. However, you agreed to all the terms of the Flex Loan when you electronically signed the agreement which was before you received your advance. . You, I am reaching out to you - I have tried to make an arrangement, based on low income - I have tried on my end but you are unwilling to accommodate and want to continue to charge interest. XXXX, We are unable to renegotiate the agreement you signed ma'am. . It is available for your review online at www.cashnetusa.com. Please keep in mind we will continue to contact you in regard to the status of your account and collection efforts will continue if a payment is returned unpaid. . You, I have stated that Im am willing to pay and set up an arrangment - but you will not accept those terms. XXXX, We are not able to schedule an arrangement on your full balance due XXXX. . I have offered an arrangement on the payment you stated would return but you declined it. . You, I will pay XXXX on friday XX/XX/XXXX and XXXX a month after or more till completly paid off. , Please advise. XXXX, I will document your account for you and wish you the best. Please keep in mind, paying your past due balance in full will allow you to request an advance against your available credit limit and without an arrangement in place, collection efforts will continue on your past due balance. . Thank you for contacting us. If you have any other questions regarding your loan, your account, or the services that we offer, please visit www.CashNetUSA.com to learn more. Is there anything else I am able to assist you with today? . You, yes. XXXX, How may I assist you XXXX XXXX? . You, please tell me what your arrangemnt is. , I no longer want to take anything out - you can close my access. XXXX, When the payment is returned, I can schedule {$34.00} to be debited on XX/XX/XXXX and {$34.00} to be debited on XX/XX/XXXX with your regular minimum payments. . Your account is not able to be closed until it is paid in full./. You, I sated acess not closed. , I cant do that is there anything else you can do. XXXX, There is not a way to remove your access XXXX. . No ma 'm. . ma'am. . You, But there is - you can just say dont lend me anything and set up an arrangemnet. , I have told you what I can do. XXXX, I am sorry XXXX, there is not a way to do that. . . . I have noted your account. . You, But there is - you can. , ok thank you. XXXX, Again, we are not able to remove access to your account. You are very welcome and thank you for contacting us. If you have any other questions regarding your loan, your account, or the services that we offer, please visit www.CashNetUSA.com to learn more. Is there anything else I am able to assist you with today? . You, no. XXXX, Thank you for choosing CashNetUSA. Have a great day. Sorry, our chat session has ended due to circumstances beyond our control. Please feel free to chat with us again if you need further assistance.
10/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 334XX
Web
I had an open-end line of credit with CashNetUSA ( Loan # XXXX ) which was originated in XXXX but is illegal in my home state of XXXX and violates XXXX 's usury laws. CashNetUSA also does not have a license to offer these types of loan products in XXXX. My open-end line of credit had an APR of APR of 299 % for cash advances and charged 15 % on all cash advances. When I " renewed '' the loan in XX/XX/XXXX, I was not aware that CashNetUSA still had my old XXXX address on file. I moved from XXXX to XXXX in XXXX of XXXX. As such, my loan agreement with them should be null and void, and the current loan balance of $ 2500+ should be cancelled. Moreover, from XX/XX/XXXX through XX/XX/XXXX, I made semi-monthly payments to CashNetUSA with each payment being {$300.00} and {$350.00}, totaling {$2500.00}. I should receive an immediate refund from CashNetUSA of all usurious interest paid on this loan, since the company should NOT have renewed my line of credit in the first place knowing that I live in XXXX and knowing that they don't have a license to offer these types of loans in XXXX. I used my XXXX address when I applied online in XX/XX/XXXX to " renew '' my line of credit with CashNetUSA, AND I also verbally informed them of my relocation both during the re-application process and when I paid off the line of credit the first time in XX/XX/XXXX. -- - My attorney is prepared to file suit against CashNetUSA for multiple violations of Chapter 687 of the XXXX Statutes which govern interest and usury in lending practices. As stated above, I informed CashNetUSA that I moved to XXXX and no longer lived in XXXX after paying off my original line of credit with them on or about XX/XX/XXXX. Moreover, when I applied online for the second line of credit back in XX/XX/XXXX, I did so using my XXXX address. Unfortunately, for unknown reasons, CashNetUSA used my previous XXXX address to grant credit approval. As such, CashNetUSA granted credit to me based on false pretenses, as I have not lived in the State of XXXX since XX/XX/XXXX. My home residence is in XXXX, and has been officially since XX/XX/XXXX. This can be documented by a signed lease agreement and utility bills in my name. -- - I must reiterate that CashNetUSA does NOT have a license to legally provide XXXX consumers with open-end lines of credit, and as such, this loan is illegal and is null and void. XXXX Statues very clearly define usurious lending contracts, and they do not grant exceptions for open-end lines of credit. Chapter 687.02 states that " all contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. '' This law applies to any loans or lines of credit where the amount does not exceed {$500000.00}. XXXX Statutes are also very clear about criminal usury and loan sharking. Section 687.071 ( 3 ) stipulates that " any person making an extension of credit to any person, who shall willfully and knowingly charge, take, or receive interest thereon at a rate exceeding 45 percent per annum or the equivalent rate for a longer or shorter period of time, whether directly or indirectly or conspire so to do, commits a felony of the third degree. '' My current line of credit with CashNetUSA represents an egregious violation of Section 687.071 ( 3 ) of the XXXX Statutes. Section 687.071 ( 1 ) ( d ) of the XXXX Statues defines " extension of credit as " to make or renew a loan of money or any agreement for forbearance to enforce the collection of such loan. '' CashNetUSA chose to renew an open-end line of credit that they originally extended to me when I lived in the State of XXXX, and such a loan is usurious under XXXX Law. Section 687.071 ( 7 ) of the XXXX Statues goes on to state that " no extension of credit made in violation of any of the provisions of this section shall be an enforceable debt in the courts of this state. '' -- -- - In order for CashNetUSA to comply with XXXX law and avoid litigation, the company must immediately cancel my loan AND refund all payments to me that I have made on this illegal loan to-date in XXXX, totaling {$2500.00}.
12/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AL
  • 358XX
Web
I received a mailing stating that I had been pre-approved for a loan from {$2000.00} to {$10000.00} from XXXX XXXX. I went to the site and was asked for some basic information, name, address, monthly income, pretty generic, and was told my Credit Score was XXXX. I was invited to fill out an application which was " guaranteed '' not to affect my credit rating, which I did, including this time, more personal information, but still nothing I felt uncomfortable about. The company responded online within a few minutes, with a loan contract and repayment agreement, stating that I qualified for a loan of {$3500.00} with a 60 month repayment @ {$200.00} per month. I have some higher interest loans that I wished to consolidate, and after doing some calculations determined that if I payed an additional {$50.00} to {$100.00} on the principal with each monthly payment, I could save several thousand in interest, based on contract language, so I opted to sign, digitally with my SSN and bank account information ( routing and account number ), assuming that as the document is Titled Contract for Loan Repayment, and asks for a signature, so the monies will be posted to my bank in one business day. After completing the contract signing, agreeing to repay the amount plus interest as stated, I was presented with a screen telling me that in order to process my 'application ' they needed to verify my banking, identity, and income information. To do this they required that I furnish them the userID and password to my online banking application. Those credentials allow a person to open a credit card in my name, apply for a loan, transfer all of the monies out of not only checking but all of my bank accounts, default on the automatic bill payments I have set up, and worst of all, change the userID and password to my online banking application. This is expressly forbidden by my bank, giving a third party access to my online banking credentials. I contacted XXXX as soon as their customer service opened and advised them of this, and was told, that they would have to deny my application for falsification of information, and send that to the credit reporting agencies. I explained that I can export all the information in my checking account as well as many electronic bank statements and send them to their office via secured, signed, with Certificate, documents. The agent told me that the only way they could get my bank information was for me to fill out the online request for my user credentials. I further explained that my bank will be more than happy to send them directly any information they request, the agent again said the only way they could process the loan was to fill out the form request for my secure credentials. I asked for a supervisor, the agent returned to the phone is less than one minute saying that there was no supervisor available, and that if I didn't give them my userID and password by XXXX at XXXX. they would deny the application as described above, and trash the credit score I have worked so hard to rebuild after a serious accident left me XXXX XXXX XXXX with a XXXX injury. This appears to be a spoof or fishing scheme, and now they have my SSN and other information such as bank account number and routing number. Can a company do this? If so, I will launch a web site today and start making money ... They should accept the information as provided them directly from my bank, and process the loan accordingly, at least then they will have to come up with a legitimate reason, which there isn't one in my bank statements, for denying the loan and trashing my credit. I am sure there are hundreds of elderly and XXXX people out there who have received these offers and have been caught in the same trap I have. Please help me to shut this operation down, and prevent them from trashing my credit. I am considering writing XXXX myself today, and warning them in advance what these crooks are trying to do. They could be 2 teenagers in a bedroom in XXXX, OH robbing peoples bank accounts blind as I type, and if you disclose the credentials on purpose, the bank is under no obligation to cover the losses. HELP!!!!!
07/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98028
Web Servicemember
Netcredit is operated by it's Parent Company " Enova '' and also uses Cashnet USA to do their underwriting for Line of Credit, which is what I have with my personal loan LOC amount is {$3200.00} they have an incorrect amount of {$3600.00}. My Netcredit Account # XXXX. My complaint is that this is a Predatory Lending Company taking advantage of myself ( a Veteran ) and many other struggling citizens by having High Excessive Fees, and Hidden Charges, that Do Not Reduce the Principal Amount of the Loan or LOC. The person I spoke to on the phone was telling me that they are exempt from abiding by the Usury Law as it pertains to the LOC. " Usury '' is the unlawful act of charging interest on a debt ( including discount points, fees and other charges ) at a rate greater than what is permitted under any applicable law or exemption from a law. Washington State has a usury law ( RCW 19.52 ) ) that sets limits on the maximum rate of interest a lender may charge a borrower. The usury law applies to consumer loans that are not related to a credit card debt, a retail installment contract or a consumer lease. According to RCW 19.52.020 ( 1 ), a lender may, if agreed in writing between the lender and borrower, charge an interest rate at a maximum rate of 12 % per year. Or, a lender may charge 4 % above the first auction quote on the Federal Reserves 26-week treasury bills made in the month preceding a written agreement between lender and borrower. A lender may use whichever rate is higher - 12 % or 4 % above the Federal Reserve rate on 26-week treasury bills. But if the borrowers make only the minimum payment each month, the interest rate quickly mounts and the debt balloons. Now loan companies use open-end lines of credit to entice people who are down on their luck to run up big, seemingly never-ending debts. And this is exactly what NETCREDIT is doing at the moment. My credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ), with a major portion of the LOC being paid going to the principal amount of the loan. Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the LOC. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. NetCredit HAS NO WASHINGTON STATE LICENSES with the WASHINGTON STATE DEPARTMENT OF FINANCIAL INSTITUTIONS & THE LOCAL ATTORNEY GENERAL. This is a major concern and violation as it seems this business is operating ILLEGALLY and NOT UNDER THE WASHINGTON STATE DFI 's STIPULATIONS SINCE THEY HAVE NO LICENSE AND/OR CHOOSE TO DISREGARD THE LAWS. It seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!
08/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • WI
  • 53705
Web
I applied for a short-term loan from Cashnet USA in the beginning of XX/XX/2019. ( I had paid off an installment loan from Cashnet USA in XX/XX/2019, and had no problems with the company. ) Instead of a loan, I was given a line of credit -- I'm not sure why, as I thought that I had been applying for a loan. I received a line of credit on XX/XX/2019, for {$1700.00}. On XX/XX/2019, my first payment was automatically withdrawn from my bank account of {$440.00}. I was very surprised when my next payment was automatically withdrawn on XX/XX/2019, for {$650.00}. I didn't understand why my payment was so much greater in XXXX than XXXX. I have just spoken with a Cashnet USA representative on the phone today, XX/XX/2019. She was respectful and informative. But I realized there were several features of the line of credit that were not obvious to me when I thought I was applying for a short-term loan. First, there is a {$15.00} fee on every {$100.00} drawn out -- so in addition to what I knew would be a high interest rate, I was charged a fee of {$260.00} for the {$1700.00} draw. Now that I understand that part of my contract, I can identify where the fee comes from -- but it is frustrating, because I thought I was applying for a loan. So I didn't realize there would be a distinction between the loan and " drawing down '' the credit -- which has a fee assessed. ( I.e., I had seen the {$15.00} fee noted on the contract, but I did not understand that it would apply to my " draw down ''. ) My XXXX payment was apparently so much greater than my XXXX payment because of the accrual of interest against my balance : and none of my XXXX payment went to my balance, because it went to fees ( {$240.00}, according to the representative ) and interest ( {$200.00} ). According to the representative on the phone, part of my XXXX payment also went to pay off the balance of fees on my account ( I believe she said {$21.00} -- though I can not locate this information on my statement ). It has been difficult for me to make such a large payment this month. ( After speaking to the representative, I have now drawn back down the available balance I had in my line -- understanding this will result in additional fees and the interest will continue to accrue against the total outstanding balance. But I find that the increase in amount I had to pay from XXXX to XXXX left me with very little money available, and I resorted to the line of credit to proceed. ) I'm concerned, first, that I'm not sure why Cashnet USA provided me with a line of credit when I thought I was applying for an installment loan like the one I had previously. I'm concerned, secondly, that -- though my contract did include information about the fee -- it was not apparent that I would be charged that fee at the outset ( i.e., because I thought I was receiving a loan, I didn't realize that what I was doing was applying for a line of credit and then, on top of that, drawing down the full amount of my credit line ). Finally, I'm concerned that the formula Cashnet USA uses to calculate minimum payments is simply too expensive. I ask the representative if it would be possible to renegotiate my payments and she said unfortunately not. She was able to tell me that I can delay my next payment until as late as XX/XX/2019. I appreciated that she was very helpful on the phone. But ultimately, I did not realize my monthly payments would be so high. The example that Cashnet USA has on its website ( https : //www.cashnetusa.comXXXX ) shows a person repaying her {$1000.00} loan with monthly payments of {$270.00}. I assumed my payments would be more, since the amount I received was more -- i.e., around {$400.00} a month. Now that I understand that my product was a line of credit and not an installment loan, I realize that the example of the line of credit on their site actually doesn't give an example of how much the repayment amount is. I'd like other consumers to be aware that Cashnet USA offers multiple products, and that the minimum payment amounts on their line of credit products is significantly higher than the installment loan example makes it seem.
06/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92647
Web Older American
I offered NetCredit a reasonable settlement amount which they dismissed and demand full payment which is completely insane. I had no idea after I paid {$3000.00} on {$3400.00} loan that I would have to pay an additional {$4000.00} to pay it off or continue making the payment and by the time it was paid off I would have paid many thousands of dollars. Here is the latest demand from NetCredit : NetCredit NOTICE OF RIGHT TO CURE DEFAULT XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX, d/b/a NetCredit XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX Default Amount : {$1500.00} Cure default before : XX/XX/XXXX Our records show that Loan # : XXXX funded on XX/XX/XXXX in the original amount of {$3400.00} has a default balance of {$1500.00} due to nonpayment of obligations on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The total default balance includes {$160.00} in principal, {$1300.00} in interest and {$75.00} in late fee charges. If you do not cure the default amount before XX/XX/XXXX, then your entire outstanding balance may be accelerated and become immediately due and payable without further notice, demand, or right to cure. We may exercise our rights under the law including : ( 1 ) pursuing collections through a third party collections agency If you are late again in making your payments, we may exercise our rights without sending you another notice like this one. Remember that we report payment activity to major credit bureaus, and late payments could hurt your credit score or damage your credit health. For this reason, it is crucial to resolve your past due balance as soon as possible. Please send all payments to NetCredit. You can sign in at www.netcredit.com to setup a payment online or call us at ( XXXX ) XXXX to speak to a representative about payment options. You may also mail payment to us at our address below. Our Collections Team is available Monday - Friday, XXXX - XXXX CT and Saturday, XXXX - XXXX CT. Sincerely, The NetCredit Collections Team XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX XXXX To ensure delivery of important updates from NetCredit please take a moment to add XXXX to your email address book. You can disregard this letter if you already made payment arrangements for the entire amount due ; or you filed for bankruptcy and received a discharge. Pursuant to applicable state law, this letter affords the consumer an opportunity to cure his or her default before the creditor will exercise its rights. XXXX Terms and Conditions Apply *** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- For California Customers : The state Rosenthal Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8am or after 9pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Help. Help. Help. Please tell these people to stop these insane demands and take a reasonable offer to settle this debt. XXXX XXXX XXXX
09/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 35749
Web
On XX/XX/2019, CashNetUSA deposited {$2000.00} into my checking account after approving me for a {$2000.00} credit line. I read the information and didnt see the monthly payment amounts. I reviewed my documents & could not find the payment amount. I was desperate and needed to pay a bill. So a week later I called them to inquire about the monthly payment to find out that this credit line was a payday advance. I was told the payment amount would be {$290.00}. I asked if this was monthly & was told biweekly. I asked biweekly for {$2000.00}. Customer Service Representative said yes. I said I can not afford to pay {$600.00} per month for a {$2000.00} credit line. No help offered. The stated fee was {$17.00} per {$100.00}. {$17.00} x 20= {$350.00} for {$2000.00}. With fees the payoff was estimated to be ~ {$2400.00}. XX/XX/2019 - {$290.00} withdrawn from my XXXX XXXX XXXX account. XX/XX/2019 - {$330.00} withdrawn from my XXXX XXXX XXXX account. At this point the increased payment was never disclosed & caused me to overdraft my account. I called Customer Care to discuss & there was no solution. I informed the worker that I could not afford to pay that amount as I am on a budget. She said there was nothing she could do. I asked what would happen if the money wasnt in the bank. She stated collections will handle it. I said I needed to speak with someone that could assist with the payment being decreased. She said she could postpone the payment. I asked if she could postpone the payment until XX/XX/2019. She said I could postpone until XX/XX/2019 but I would still have a payment on XX/XX/2019. I asked could I pay the entire bill off before then and was told yes. XX/XX/2019 - I paid the listed account payoff balance of {$1900.00} before XXXX CT but wasnt able to pay on XX/XX/2019 due to CashNetUSA having a prepopulated date of XX/XX/2019 as the next available payment date. XX/XX/2019 - CashNetUSA withdrew {$2000.00} from my XXXX XXXX XXXX account without my knowledge. The online payoff amount stated {$1900.00}. There was no other amount indicated for me to pay. They withdrew {$110.00} extra from my account without informing me. XX/XX/2019 - CashNetUSA sent an email stating my next payment in the amount of {$64.00} is due XX/XX/2019. At this point Im thinking the company is a scam. XX/XX/2019 - I called to discuss the {$64.00} balance. The Customer Service Representative could not explain the {$64.00}. She then states that {$330.00} more is due on XX/XX/2019 from the postponed payment I made. She said that wasnt included. I asked to speak with a manager. The unprofessional manager basically said I owe the money & they will get it. I asked to speak with her manager & was told she didnt have one. She said I couldnt speak with the CEO either. I am writing to request assistance with eliminating financial institutions from predatory lending practices. I am requesting assistance with ensuring that companies such as CashNetUSA clearly inform customers of the payday loan & not a credit line such as a Bank. I am requesting that assistance be made to ensure that all consumers know the payment amount frequency before the contract is signed. I am requesting for payments to be amortized for the length of the loans. This line of credit appeared to be a loan. I was told that it was like a credit card. My credit card payments only increase when my balances increase. I have a {$25000.00} loan that is less per month than this. This type of business should not be allowed. There should be options for individuals who can not financial afford to pay these institutions especially when latent information should be made clear & upfront. So far I have paid {$2700.00} for a {$2000.00} in 46 days. They are requiring me to pay an extra {$390.00}. This would make the total repayment to be over {$3100.00}. Over {$1200.00} interest paid in less than 8 weeks. This should not be. I can not afford to pay this & know those with less income would definitely sink with this predatory lending.
10/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 20110
Web
I have had previous loans with this company and never had any issues with the interest rate they charged because it was always paid off before the interest rate would be applicable as it is in this situation. On XX/XX/2020, there was an alleged loan by a former employee of mind that needed to use my computer for a work related matter and they applied for a loan, and used my account profile with Net Credit. Since I had a good relationship with them, the process for my former employee was easy for them to obtain the loan. They had access to my bank account information as well. Needless to say once I finally caught it, the nightmare began. I immediately fired the employee and wrote a letter stating to stop any ACH withdrawals out of my account. I even went as far as to attempt to close that bank account from XXXX XXXX. Net Credit was not wanting to work with me to stop this matter and kept insisting that I pay for this loan. Fast forward to today, I have tried multiple times to have this account closed so that I may sue the former employee. I can't do anything until this account is closed. I even disputed the information on my credit report several times and they are still every month reporting this fake account that I never wanted. But since Net Credit did not want to work with me at all, they did not want to work with a debt settlement company I hired to at least try to minimize the bleeding, they are now charging me at a rate that I would never be able to handle it because they do not want to close it but collect more and more interest. Well, that is going to stop because after some research and closely looking at the loan contract it is in fact a null and void contract. They can not enforce the contract because they seem to think they can hide behind the fact they are an internet company based in XXXX yet lending under the state of Utah laws and claiming they can do business in Virginia. Ask them how that is going for them? They have been sued by the state of Virginia for usury law violations and not having the right to transact business in Virginia and charging the interest rate they are charging. It is a known fact their predatory lending runs wild. Utah can not dictate intrastate commerce interest rates in another state, if Utah company wants to do business in Virginia, they must register and have a reason to conduct business in VA. VA law caps any financing at 36 % APR. Their loan is 149.1 %. You will never pay this off. They get around this by not charging an origination fee to make it seem like it is fair and equitable yet they use odd days and and odd payment cycles and different payments amount that ends up where they charge more than what they state in the Truth in Lending Disclosure. Please see attached interest calculation from your federal government website and a copy of the loan I did not authorize. I never gave them written consent to issue such loan and I pray that you will stop this madness. I want my credit restored back from this corporation, I want {$2000.00} dollars in civil penalties levied against them paid back to me, I want them to close this account and charge it off to ID theft and never bother me again about his loan. If this continues, I will have to take it up in Arbitration where they will have to pay all costs and will lose. The law is the law and they violate the state of VA and the Federal Truth in Lending Act and I am well versed in the Consumer Law Protection and they must stop and close this account because they never got my consent. I did not give them any permission. I did not benefit from this and it has ruined my credit. I have not pressed any charges to my former employee yet due to this account here. They were the only creditor that has not helped in this matter. I refuse to keep trying. I am the original creditor and they do not have my permission to report to my credit report under the FCRA. See attached loan and interest rate they have understated. They are violating many federal laws and need to be shut down.
08/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • TN
  • 37931
Web Servicemember
On XX/XX/XXXX, I called the loan company to ask them to move the date of the EFT to align with my paydays. When I initially took out the loan, it was supposed to be set up on those days anyway, and I wanted to make sure they would get paid without worrying about an EFT being refused. I received email verification, and was told in the email the next pay due date would be XX/XX/XXXX, but it could take a few days to process, so I may still see a charge on the next due date, which would have been XX/XX/XXXX. When no charge came out on XX/XX/XXXX, I went by what the email said, that the next payment taken would be XX/XX/XXXX. On XX/XX/XXXX, the lender took two EFTs from my account. I wrote an email inquiring about the error, and informing them it caused my bank to charge me two overdraft fees. They replied with an apology and a promise to refund the payments and the fees. On XX/XX/XXXX, I did receive one of the amounts back, but not the other, and not the fees. I wrote another email asking why I didn't get the other charge and fees back yet, and was wondering if they were just keeping it in lieu of the payment for the XXXX. I didn't receive a response back immediately, but the following Monday I received an email saying that they were unable to process my payment on XX/XX/XXXX, and it was past due. It was for an amount larger than I had previously been paying. I've tried emailing, calling, and chatting, and I do still have all of the emails, including the one they admitted fault and asked why the bill was larger, and why I never received the other funds. The calls were pointless because the customer service people forwarded me to collections after I explained what happened, and then collections routed me back to customer service after I explained it to them, and didn't even give me a chance to tell them that customer service had sent me to them. I waited for about five minutes and there was not even any hold music, so I think the transfer either didn't go through, or they were just trying to get me to hang up. I tried the online chat feature on their website and got passed around a little too, but the last person I chatted with said she had escalated the problem to a manager and I would hear something back soon. A couple of days ago I finally got the fees back, but not before my bank charged an additional overdraft fee that wouldn't have happened if they hadn't made the error in the first place. They sent an email to me yesterday saying that they are going to forgive the amount they already refunded me, and that I was still overdue for the larger amount they failed to take on the XXXX. I replied that didn't make any sense to me, as they had admitted it was their mistake, not mine, when the two payments came out on the XXXX, and that I was not satisfied with their solution, since I've incurred another fee, and they still haven't explained why the bill went up. I've since closed that bank account and opened a new one with the same bank to avoid them being able to take anything else out. In my communications with them I opted out of the EFT payment method, but didn't have confidence that they would not try anyway. I've been searching for a lawyer, and have reported them to the XXXX and Tennessee Consumer Affairs. I asked them almost a week ago in an email to stop calling my work number, and the next day I received two calls from them at work. I sent another email that evening providing them my work number in case they weren't aware which number was which, and they could feel free to call my cell number and leave a message if I didn't answer. After that email, I've received two phone calls from them at work, and a few missed calls on my cell phone. I leave the ringer on silent while at work, and don't answer personal calls unless I'm on my lunch break. I've informed them I'm seeking legal counsel and that they would soon be hearing from the lawyer. When they do call either of my numbers, they never leave a message.
11/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 94806
Web
( INITIAL REQUEST : XX/XX/2020 ) Net Credit, Please see attached XXXX XXXX credit report and be advised my score dropped 71 points because of an error in processing as I am not 30 Days past due. In addition, please see attached screen shot taken via XXXX credit monitoring via XXXX XXXX XXXX. Please expedite corrections as I am scheduled to refinance my primary residence in XXXX. NOTE : NetCredit is reporting as current via XXXX XXXX PDF report attachment however a red exclamation point reflects an updated discrepancy however XXXX XXXX PDF report does not, please escalate. ( FIRST RESPONSE ) XXXX, Please see attached ledger as I paid XX/XX/XXXX payment on XX/XX/XXXX and/or paid XX/XX/XXXX payment on XX/XX/XXXX. After reading your email correspondence regarding an investigation request, I am not sure where/why/how your internal system does not reflect XXXX payment was not received as I am not 30 Days Past Due. Please see attached XXXX XXXX XXXX transaction summaries validating when payments were in fact made in a timely manner as a customer service representative communicated she could not see when my payment was made or processed for the month of XXXX. I have a manager calling me within 24 to 48 hours to address my concerns and/or I spoke with two service representatives who spoke with a manager and collections Friday XX/XX/XXXX and communicated I was not late per their account assessments. My XXXX/XXXX scores are horrific as a result of this egregious error and I would be obliged if your channel can escalate my concern to the highest level of management as a courtesy. I am in process of refinancing my property next month and/or job interviews which require consumer reporting evaluations prior to securing employment. " Based on the documentation submitted for review it was determined that on XX/XX/2020 ( PAID XX/XX/XXXX ) you had installment thirteen ( 13 ) due. The account became thirty ( 30 ) days past due on XX/XX/2020. The payment was not satisfied until XX/XX/2020, which was after we reported the loan to the credit reporting agencies. At this time, you have installment fourteen ( 14 ) due on XX/XX/2020 ( PAID XX/XX/XXXX ), outstanding. '' ( SECOND REQUEST ) To Whom It May Concern : I made XX/XX/XXXX payment on XX/XX/XXXX however I am considered past due according to both XXXX and XXXX and my credit rating is once again severely affected. I am not sure what is causing the root cause behind this concern as the same circumstance occurred last month and was corrected after having my case escalated. I am aware that I have a grace period per several conversations I had with both customer care and management teams. Account # : XXXX Thank you for your recent card payment on loan XXXX. Your payment of {$490.00}, which is effective on XX/XX/2020, will be applied to the balance of your loan. While the card payment has been initiated, it has not yet cleared. If your payment does not clear, the payment that was posted to your account will be removed and you will continue to owe the {$490.00}. Note : I did not receive a 15 day late penalty either as I made my payment within the grace period per my contract. Your expertise regarding this matter will be greatly appreciated as my next payment is due XX/XX/XXXX in the amount of {$490.00}. Please correct error as this is the second time this has happened and will the same concern continue to occur if payment is paid prior to a late payment fee being assessed or grace period expiration? I am fortunate to have several credit monitoring platforms which have identified this error and I would have been considered two months behind. I was unable to refinance my residence last month because of NET CREDIT and now again I must wait. NOTE : I have yet to receive a formal response regarding error after corresponding with a customer care professional who also does not understand why I am past due after reading internal notes.
11/14/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 20747
Web
I have a cash net installment loan. This is my XXXX loan with the company. Received loan in XXXX and this has been the loan in which I have had so many fraudulent experiences with, with the maximum amount. Yet, being that I have had XXXX other loans with them in the past I know how payments should be applied. On XXXX separate occasions I have paid additional money on the loan and realized that my number of payments had not decreased and final payment had not decreased. When extra money is paid in addition to what is due on the date I have always seen the funds be allocated in the manner which goes towards the back end of the loan reducing payments and number of payments. On the first occasion when I informed a manager that the payments had been issued towards the next payment as well as the payment due and that was no how I wanted the funds distributed. In the past I have called and asked them to apply the funds towards the back end of the loan because that had not happened. The representative said she would do so but generally that is something they have no control over. I waited to see the change and realized that the funds had been reversed which were applied to the upcoming payment, but was not applied anywhere else either. Still had same number of payments and amount. Called back various times throughout the week was told the allocation was a result of having a payment plan, the funds actually applied to the back end of your loan, we do not do re allocations for installment loans. And, finally a representative said I could receive a credit on the account as if I was being done a favor in regards to money I paid which they did not apply. I spoke to another representative and was told I could call in on the day payment is due and payment will go to back end of loan. On XXXX/XXXX/15 I called to make my payment and opted to pay {$400.00} instead of {$190.00}. Number of payments did not change nor did payment date change. I definitely was aware that the funds did not allocate correctly. I was told it did not allocate correctly because you paid on your payment date and if you had called two days earlier we could have applied it to the back end. My payment of {$190.00} had been satisfied and I owed around {$89.00} for the upcoming payment. I demanded a reallocation the representative stated that there was documentation which said that I was told that I had to call in two days before to have money applied to the back end. Which would be ludicrous because I would n't have turned right back around and wasted {$400.00} to have it not allocated in the way which would not best benefit me if I knew that and also because I have made payments on the actual day before and had them apply towards the back end. After escalating to a manager I was able to explain to her and she said she could see that it was not allocated correctly. Her excuse was in order to have your desired results you will need to pay the loan off in full, which was n't answering my question about the allocation and later I was told every time it may allocate differently. Yet, she stated all additional payments go towards the back end which did not happen in my last XXXX cases. To help solve the issue she credited the account {$100.00} dollars which reduced the month of payments by XXXX. Yet, she still acted as though she was doing me a favor. I do not think it is appropriate for these representatives to act as though they are doing a favor when I have been able to make the realization that the money is n't being misappropriated. Additional funds paid are n't being applied. When I opened my initial payment email, sent before the I saw where it was stated {$160.00} was applied to principal, {$110.00} was applied to interest, and {$120.00} account balance credit to be applied. Cashnet USA is stealing from consumers and making them feel as though they are trying to help them.
08/29/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 93308
Web
I seen a commercial for CashNetUSA.com and called them in regards to getting a loan to buy a new computer. The first thing that I said to the employee at CashNetUSA was that I do not get my S.S.I direct deposit until the XXXX of the month, and I said " so if you guys try to take the money out of my account before then it will not be there ''. I said " So if you guys need the money back before the XXXX, I will have to skip it and not get a loan! '' the employee said that would not be a problem and stated that they would make a note of it on my fileI got a loan of XXXX, bought the computer, and even paid them in full one day early. Well, that hurt me even worse than I originally anticipated and cut in to my grocery money, and a couple other bills. So the next month, I got another loan, for the same amount.The problem I had with them is that they tried to take the money out of my account on the XXXX of the month even though the employee promised they would not try to take the money before the XXXX because it obviously would not be there.The next morning I found out that CashNetUSA had tried to get the money out of my account BEFORE the XXXX, even though when I opened an account with them I made it clear that I would have to pass on the loan if they needed the money before the XXXX. In fact, when I called them to complain that morning the CashNetUSA employee said " Oh yeah, you did tell them that you did not want the loan if they needed the money before the XXXX ... it is written right here in our notes! '' To make a long story short CashNetUSA claimed they never got their money and so I thought that the reason I was missing so much money was that Wells Fargo charged me some outrageous penalty for CashNetUSA trying to take the money out a day earlier than they said they would, but it turns out I was wrong, CashNetUSA not only got that money, they added an extra XXXX to it actually, they came back a took it a few days later, but they did something that is not only deceitful and unprofessional, but incomprehensible as well. As you will read below, they took the XXXX not only once but a second time a few days later and as you will read below, much more than that. I can only say that this is so unbelievable and scan less you will be as shocked as I was when I got copies of my bank statements. CashNetUSA literally stole hundreds of dollars out of my bank account, and much worse. here is the rest of the complaint : According to XXXX XXXX records that they sent me in a .PDF file BECAUSE OF CashNetUSA TAKING MONEY OUT on the morning of the XXXX my account went from a positive amount of XXXX to a negative amount of XXXX after CashNetUSA taking XXXX yet they are still saying that they were NOT paid and have even turned me over to collection agency. They did get the money according to above transaction on the XXXX. It is very important to note that the CashNetUSA employee promised me when i called to inquire about a loan i told them that i did not want the loan if they were going to need the money before the XXXX of the month because my ssi does not come until the XXXX. their own records show that we discussed not taking the money out until the XXXX and even their own employee 's admit it is written in their records " do not take money before the XXXX '' by them doing so it put me at XXXX i had to pay XXXX on a little XXXX debit card payment to XXXX games due to them putting me in the negative. then on the XXXX CashNetUSA took another XXXX XXXX my balance on the XXXX was good my balance was XXXX until CashNetUSA took the money before the XXXX despite their own notes stating that they promised it would not be taken out until the XXXX when my ssi came.their negligence taking their money a day earlier despite our agreement took me from a XXXX to XXXX on the second i received an email in which they admitted it was their fault for taking the money earl
08/16/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • VA
  • XXXXX
Web Servicemember
Cnu Online Holdings , LLC operates as a subsidiary of Enova Online Services , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX dba CashNetUSA in the United States. CashNetUSA debited an unauthorized amount of {$80.00} from my checking account on XXXX XXXX, 2016. I called CashNetUSA to update my pay day scheduled prior to this unauthorized debit. On XXXX XXXX, 2016 my husband who is a " XXXX Veteran '' and I also spoke with a " Supervisor '' named " XXXX XXXX. '' ( He would not give us his last name ), did not apologize for this but reluctantly refunded the {$80.00} back to our " Joint Checking Account ''. " XXXX XXXX. '' told me and my husband that going forward these unauthorized debits would not happen again. Also that I needed to call CashNetUSA to remind them not to debit any monies for the balance owed until my next scheduled pay period which was XXXX XXXX, 2016 and XXXX XXXX, 2016 with the final debit for the remaining balance on XXXX XXXX, 2016 due to the " Labor Day '' holiday which falls on XXXX XXXX, 2016. On XXXX XXXX, 2016, CashNetUSA debited {$80.00}. I called CashNetUSA on XXXX XXXX, 2016 and XXXX XXXX, 2016 to remind them that my next scheduled pay day was XXXX XXXX, 2016. I was told that they had my updated pay day and they would debit {$80.00} on XXXX XXXX, 2016 which they did. My balance was XXXX after the debit. But my account showed that my next debit due date was XXXX XXXX, 2016 instead of XXXX XXXX, 2016. On XXXX XXXX, 2016 CashNetUSA debited my account in the amount {$90.00} which caused our checking account to be " Overdrawn '' by the amount of ( {$92.00} ). I called CashNetUSA on XXXX XXXX, 2016 to advise them of the " Unauthorized '' debit of {$90.00}. The " Customer Reps '' told me they had no record of me sending them my updated pay scheduled. I ask to speak to a " Supervisor '' and she also told me that there was no record of my updated pay period that I sent to them via email on XXXX, 2016. But I have a return email from " XXXX XXXX. '' the first " Supervisor '' that I spoke with on XXXX XXXX, 2016 acknowledging he had received my updated pay dates. The " Supervisor '' said that it was nothing they can do about the " Unauthorized '' debit because per CashNetUSA it was scheduled for XXXX XXXX, 2016 instead of XXXX XXXX, 2016. My current is {$12.00}. But we have been caused great financial harm and our checking account could be closed by XXXX XXXX XXXX XXXX XXXX because of this " Unauthorized '' debit. I am demanding that CashNetUSA refund my {$90.00} that was stolen from my account by them and to refund the " Overdraft '' fees in the amount of {$58.00} that we have incurred do to their negligence. We are asking for a " Total Refund '' Amount of {$140.00}. CashNetUSA is defrauding us of our funds, yet their company headquarters is in XXXX. We thought their main headquarters was the State of Delaware. We were even asked and encouraged to " Borrow '' {$80.00} from CashNetUSA by their supervisor " XXXX XXXX. '' on XXXX XXXX, 2016 before he agreed to return the {$80.00} from the first " Unauthorized '' debit that was done on XXXX XXXX, 2016. I want all " Consumers '' in the United States that have seen the commercials on TV or the internet regarding the ease of borrowing money from CashNetUSA, DO NOT BORROW MONEY FROM THIS COMPANY! They use fraudulent business practices to us the " Consumers '' that reside in United States. I believe because we are near the end of paying this deceptive, deceitful business called " CashNetUSA '' they want to drag this out by using the above described unsavory business practices to keep in an endless web of " Emotional Distress '' and " Financial Hardship ''. We have found the hard way. Do Not Use this company or any other " Pay Day Loan '' company to borrow money from. This may happen to you.
03/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35216
Web
XXXX XXXX promised to report payments to credit bureau. However, XXXX XXXX did not begin reporting payment information to credit bureau until payment was seriously delinquent. As a result, i was not able to secure a refinance loan with another company to pay off this high interest debt. It is believed that XXXX XXXX had no intent to report on time payments to the credit bureau which is a violation of the fair credit reporting act which states that if a company reports information to a credit bureau the information should be fair and accurate. By not reporting on time payments, i believed that no payments would report to credit bureau and decided to save myself XXXX dollars by allowing the account to accelerate. Not only has XXXX XXXX reported delinquent payments but after not reporting payments at all, XXXX XXXX has back dated delinquent payments. The first payment reported by XXXX XXXX was reported in XXXX and it was reported as missing 5 payments. At that time, XXXX XXXX did not report on time payments. After disputing the information with XXXX, XXXX XXXX reported two on time payments ; a violation of the fair credit reporting act that states that if a business does not report accurate information, the information has to be removed from the credit report ; instead they made a correction. Also the reporting of information remains inaccurate aside from the reporting of on time payments. XXXX XXXX is reporting missed payments as biweekly payments, but they reported on time payments as monthly payments. A total of 5 payments were made on time before i began purposely missing payments. For example, XXXX XXXX reported 8 missed payments. The on time payments are only noticed by the monthly bar that shows whether a payment was made for the month. XXXX XXXX also violated the truth in lending act where the initial reports did not include amortization. It was told to me that the account could be paid in full and only pay the interest incurred at that time. When i tried to initiate pay off online, it stated that i needed to call in to pay off loan. At that time my payoff amount included interest of about 300 dollars. When i called in a rep stated that the pay off amount would include interest over the life of the loan. My borrowed amount was XXXX dollars, after making two payments, i was told that my payoff amount would be around 8000 for XX/XX/XXXX and would increase thereafter. At the time, there was no amortization schedule. The day after, i checked online an the company had included the schedule. Had this information been present when i began the loan, i would have returned the funds. Furthermore, this amount was ridiculous as if i allowed it to accelerate in XXXX, the amount would only be XXXX. In addition, XXXX XXXX presents this loan as a personal loan but infact it is a high interest installment loan. And should be subject to the laws of a high interest payday loan. Just as those loans due to the nature of how they are paid and the overbearing interest can not be reported to major credit bureaus, this loan should not. There is a reason behind the non reporting of on time payments to credit bureaus. XXXX XXXX had no intent to report on time payments. However, they wanted to be able to report in the case that the loan became delinquent. Big businesses can not exploit and misuse an misinform the public regarding loans. It was impossible to pay this loan off due to the negligence of the company in providing true, fair, and accurate information to myself and the credit bureaus. For the reasons presented here, i would like to file a complaint against XXXX XXXX for violating the fair credit reporting act and the truth in lending act ; and ask that this account be completely removed from my credit report including all late payments reported.
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 378XX
Web
I have a loan for XXXX This have taken out almost XXXX in 3 months. I have ask them to help with the payments, but they will not. They took XXXX out this month. Can you help me? A loan shark is cheaper than them We take privacy seriously. We can't see your screen, but we'll save a copy of our chat for training and quality assurance purposes. XXXX XXXX You're now chatting with XXXX. XXXX XXXX XXXX, Welcome to CashNetUSA online support! In order to verify that you are the account holder, can you please provide me with your home phone number and the last four digits of your social security number? XXXX XXXX You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for verifying your information. I would be glad to address your concern. One moment while I access your account. XXXX XXXX You, Thank you XXXX XXXX XXXX, Thank you for holding. Our records show that you had your regular {$690.00} payment due on the XXXX as well as a payment of {$750.00} that was adjusted from XX/XX/XXXX to XX/XX/XXXX on XX/XX/XXXX XXXX XXXX You, Look is there anything I can do? This Loan is killing me. I can not get a grip on this loan. I am doing my best, but that is my entire paycheck that was just taken out. Is there anything we can do besides take my entire paycheck? hello? XXXX XXXX XXXX, Sorry for the delay. I do apologize, the payments have been sent to the bank for processing. Please be advised that any changes must be received and processed no later than 2 business before your due date. I apologize for the inconvenience XXXX XXXX You, So I am just out of luck? Nothing you can do? XXXX XXXX XXXX, Not at this time. I do apologize. Will the payments clear? XXXX XXXX You, doubt it XXXX XXXX XXXX, I can transfer you to our collections team if you would like XXXX XXXX You, thank you XXXX XXXX XXXX, One moment please. XXXX XXXX You, thank you XXXX XXXX You're now chatting with XXXX. XXXX XXXX XXXX, Thank you for choosing CashNetUSA. I can assist you with your question or concern. One moment while I access your account please. XXXX XXXX You, Thank you XXXX XXXX XXXX, Hello. Thank you for verifying your account and for being a valued CashNetUSA customer. How may I assist you today? XXXX XXXX You, I had two HUGE payments taken out. Over my paycheck. Is there anything I can do. Any options? This loan is killing me, I know it is entirely my fault for getting involved in this kind of loan, but I don't know what do to or how to pay such high interest. I don't even no if my payment is all going to be there XXXX XXXX XXXX, It is noted that you're paid {$4100.00} per month so that is why you received the high credit limit and why your payments are so high. I am sorry, we are unable to schedule a set arrangement on your full balance as your active balance is already due in payments according to your statements. More information on how your payments are calculated can be seen on the last page of your billing statements which are available for your review online at www.cashnetusa.com. Have your paydays or income changed? Sorry for thy typo, that should have only read www.cashnetusa.com. XXXX XXXX You, yes, my husband isn't working so that is income gone. XXXX XXXX XXXX, I am sorry to hear about that and am able to note your account. You can send a copy of your two most recent check stubs and we would be able to update your account for you. XXXX XXXX You, I am one to get out of paying anything, but this is crazy. I can't even feed my family, kids, etc. I am just going to have to look at getting legal help. I am not asking for you not to pay, but I am asking you to lower my payment. I just can't do this. XXXX XXXX XXXX, I understand your concern. One moment please while I review your account a little further. XXXX XXXX You, Thank you please help me
04/11/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MI
  • 49508
Web
Received this email threatening me regarding a payday loan. I 'm being harassed. I want it to stop. Here is the email : Hide quoted textOn XXXX XXXX, 2015 XXXX, " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; wrote : XXXX XXXX XXXX XXXX XXXX : - XXXX XXXXCASE FILE : - XXXXDue Amount : XXXX $ This is just to inform you about Federal charges against you and under your Social Security number for XXXX serious allegations. 1 ) Violation of federal banking regulations. 2 ) Collateral cheque fraud3 ) Theft by deception. The affidavit states that you went online utilizing your email address which was track down by cyber crime department, in order to solicit funds from a website which is owned and operated by CASH Net USA who owns and operates more than XXXX websites, web portals and sub lenders working for them ( XXXX, XXXX, XXXX, XXXX ). The funds were successfully transferred into your checking account utilizing an interstate XXXX that stands for XXXX funds transfer. When your creditor attempted to extract the funds from your account, XXXX eft 's were returned constituting worthless electronic cheque. This means you have attempted to abscond your payments, and your credentials were doubtful. As of today rather than chasing you for money your creditor has simply decided to write this money as loss and declared to be stolen by you and wants to press legal charges on your name. Your Social security number is under state investigation and this charges will be notified to XXXX credit bureaus that means you will not get qualified for getting no loans in the future. Now the affidavit is taken by FDCPA law that means fair debt collection practices Act Chapter 9 section 19. It means just XXXX things for you. 1 ) If you are on any state supervised probation or pay roll you will need to top contact your officer and make them aware about what you have done. 2 ) If you have any prior conviction including but not limited to worthless cheque, grand theft or money laundering make it a note they will handle your case as an habitual offender. This is just to make you aware that your creditor has got all the legal rights and authorities to inform your current employer about what you have done in the past. On Behalf of your creditor we shall be contacting your current employer and the state credit bureau to garnish all your pay cheques until the total amount gets paid back to your creditor in full with the interest amount and the late payment charges. My client has got all the solid and technical evidences against you for a non payment of a loan which will be helpful for us to prove in the the court house that the money is not paid by you. Your FICO score will hit by negative XXXX points and your drivers license will get blocked. Finally you do have right to hire an attorney, if you do n't have one or you can not afford to have one that shall be appointed to you by the court house, but make sure you have someone to who can bail you out once you loose this case in the county court. If you lose the case in the court house then the legal charges will be levied upon you that would be more than {$9300.00} which will be including you attorney charges, bail charges, court house fees and the amount that you owe to your creditor for the amount of $ XXXX of today we have notified you about the charges on your name so that we can generate a court date for you with an arrest warrant against you.Once we generate a court date for you, your Local Sheriff 's County Department will be contacting you for your detention until the XXXX hearing in the court house. There shall not be any further communications via email. If you have any concern regarding this case than you can contact the number list below. Warm XXXX XXXX and XXXX XXXX
06/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30126
Web
On XX/XX/XXXX I applied for and received a personal loan from NetCredit in the amount of {$7300.00}. During this application process, I set up my repayment plan for debits to be made bi-weekly. In XX/XX/XXXX, I was impacted financially by Covid-19, and I contacted NetCredit on XX/XX/XXXX that I needed to defer my payments due to the fact that I would have trouble making my payments due to my financial hardship. The representative that I spoke to stated that I need to call tomorrow ( 48 hours before my payment was due ). I called back the next day ( XX/XX/XXXX ) and successfully completed the process to defer the payments. During this time, I was advised that they would not submit anything to the credit bureaus, negatively, as long as a payment was made before XX/XX/XXXX. Id also like to note that prior to this deferment request, I was NEVER late on my payments and was current. On Thursday, XX/XX/XXXX, I called NetCredit to pay off my account in full. I went online and the amount which included my principal balance, accrued interest and deferred amount came to {$7900.00}. They advised me that my balance was {$8000.00} due to compounded daily and day of interest. I communicated to them that, that was not the balance that I saw online, and it was misleading and that there was nothing that provided justification online as to why I needed to pay that additional money over the {$7900.00}. I spoke to several agents with NetCredit and received different information each time. One of which was that my account was still deferred, and that it would not be reported to the credit bureau until the middle of XXXX, that is what the first representative told me. The second representative told me that they would escalate my account to a manager and that said manager would call me back before the end of the day. That never happened. When I called back, because I had not heard from anyone, the third representative advised me of the same escalation and I never heard back. I even called back and was unable to speak to someone. Friday, XX/XX/XXXX, I called NetCredit back and was told that my account was still awaiting managerial review and I would receive feedback before the end of the day, even when I called and reiterated the fact that the website and what I was being told as the payoff was not reflective of the same amount and could not receive answers as to why the amount was not accurately reflected online. After waiting for hours I called NetCredit back and still no answer. Then, on Saturday, XX/XX/XXXX I received an email from XXXX stating that NetCredit reported my account as 30 days late. Which they we NOT supposed to do as that was what was communicated to me that there would be no derogatory reporting to the credit bureaus. Monday, I finally got a call back from a NetCredit manager who told me that 1. I did NOT call NetCredit back on XX/XX/XXXX, to defer my payments ( which is a lie ) and 2. That they could not accept my payment of {$7900.00} and then backtracked saying that they would honor the previously referenced payment for 10 business days, but they could not guarantee that they would report that the account would be paid in full. I have done my best to be as accommodating and patient as possible but this is clear and apparent predatory lending, for every day they do not call be back and assist me with handling my account there is more interest they are adding onto the account. They assess exorbitant fees with an unrealistic and unmanageable interest fees and they are in no way helpful in provided the support needed to pay off this loan, they do their best to ignore and push people off so that they are constantly stuck in the vicious cycle of their unethical and unlawful loan practices.
08/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23234
Web
I contacted XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in my name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that I am behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. I have upload the communications to the company minus an original fax that was sent in XX/XX/2018. On XX/XX/2018, they sent me an email to say that they concluded that I was the account holder. When in fact, I am not the account holder nor have ever been an account holder. At this point, I have submitted all documentation ( including police report # XXXX ) including my credit report. I have sent this documentation numerous times via fax and email. Each time I or my wife have spoken with any representative from the company regarding this matter I have told them that the email, bank account and phone number associated with this account are not mine. I have never received any form of communication from this company with the exception the initial response letter to my letter notifying them of the fraud, and after my wife called customer service on XX/XX/2018. At that time, the customer service representative requested that I email the police report ( # XXXX ) with supporting documents so they could forward them to the fraud department once again. Then, the next day, on XX/XX/2018, I received a past due notice for the fraudulent loan via email. I have requested ALL documentation associated with this loan which includes original application and supporting documents, all names associated with or have paid on the account, IP address used to obtain the loan, phone numbers, addresses, emails, bank information ( name of bank ( s ) and account number ( s ) ), payment dates and any other accounts associated with my name, social security number and birth date. I also have requested a transmittal of all notations made on account this from any and every person regarding this loan and any other loans made with my name and social security number. I have requested that my name be removed from this loan and that the derogatory information be removed from all credit bureaus that are reporting this inaccurate and fraudulent information. I have notified this company that my name, date of birth, and social security are NOT be used to obtain any credit with NETCREDIT or any of its affiliates. Apparently this company disregards the law. Please see below. Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions This is adversely affecting my credit. Companies that I have done business with for years are lowering and closing my credit lines. I have had ( 2 ) lines of credit decreased and one closed. Please see ( 1 ) attached letter I received today, XX/XX/2018. The ridiculousness of it all is that I sent this company a copy of my credit report XX/XX/2018 so they are well aware that my credit was in good standing prior to this fraudulent loan. I am retaining counsel if this is not resolved and the documents that I have requested are not sent to me.
12/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 75010
Web
In XXXX and XXXX, I did business with Cashnet USA ( cashnetusa.com ) a few times, and paid each loan off in full. My last loan with them was paid off on XX/XX/XXXX. I continued to receive email solicitations from them although I unsubscribed. On XX/XX/XXXX I received an email from them saying " Your Application is Almost Complete '' as well as another one with " CashNetUSA Login Instructions '' which seemed suspicious to me, as I had not taken any action with them since XXXX ; so I replied to the email and asked them to please unsubscribe me, and that I hadn't used them since XXXX. This morning, on XX/XX/XXXX I saw an email from Cashnet USA titled " Payment Reminder '' as well as another one titled " CashNETUSA Login Instructions ''. When I opened the " Payment Reminder '' email, it stated that my " loan has been funded '' which I found highly alarming as I have not applied for any loan nor did I WANT to apply for a loan. The email went on to state that I would owe {$2000.00} due XX/XX/XXXX. I logged in to my XXXX XXXX bank account and saw a {$1600.00} deposit dated XX/XX/XXXX with advice showing " cashnetusa ''. This alarmed me further because this was a new XXXX XXXX account from when I last dealt with CashNETUSA. I then searched my email for any further information and saw a message dated XX/XX/XXXX from CashNETUSA that I had overlooked, titled " Congratulations! Your Loan is Approved '' with attachments : a disclosure statement, a Credit Access Services contract, loan agreement/promissory note truth-in-lending disclosures, and an ACH voucher with my old XXXX XXXX account number on it. I called XXXX XXXX at XXXX XXXX CST and spoke with XXXX filed a fraud claim and then called CashNETUSA at XXXX XXXX CST and spoke with XXXX to let her know that this loan was not authorized. XXXX advised me to file a police report and fax it to XXXX and/or scan & email it to XXXX XXXX at XXXX XXXX also advised me that the best course of action would be to pay CashNetUSA just the principal {$1600.00} and then have XXXX XXXX stop any further ACH payments from my account. So, I went to XXXX, reset my password, logged in, and set up a payment of {$1600.00} for the SOONEST business date of XX/XX/XXXX XXXX it would not allow me to select same-day payment ). My husband XXXX XXXX called CashNETUSA and spoke with a different agent, he was informed that I could rescind the loan and it would be as though it never happened, and that agent cancelled the {$1600.00} payment dated XX/XX/XXXX. So I called CashNETUSA back and spoke with XXXX, and asked to rescind the loan. XXXX waived the fees and interest and processed a new payment for {$1600.00} dated XX/XX/XXXX. I am not sure the purpose of why the first payment was cancelled if the process is just to enter another one. Upon close review of the documentation sent over with the " Congratulations '' email, it shows that the IP address of all of the " signed '' documents ( disclosures, ACH voucher, CAS contract, etc. ) show XXXX on XX/XX/XXXX and the IP address is " XXXX '' which isn't a specific address. The IP XXXX is your own local computer. This means that someone within the CashNETUSA organization initiated this loan on my behalf, and probably did not expect me to raise a concern. I am sure many people in dire straits during the holidays would be grateful for an extra {$1600.00} in their account and not think of the consequences of then being debited $ XXXX on XXXX XXXX! This concerns me because it makes me question how often this organization has been doing this, and to how many people!!
12/01/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 93308
Web
I got a payday loan from CashNetUSA and I told them that I did NOT want the loan if they needed the money before the 3rd of the month because unlike most people my S.S.I check does not come on the XXXX but it comes on the XXXX of the month. The employee made a verbal contract with me by promising that they definitely would NOT try to take the money before the XXXX. I was recently told by their employee 's that it DOES state on my paperwork exactly what I said, he said " Well, your are telling the truth, I am reading it right now and they did note on your account that they promised they would not try to get the money before the 3rd when your check arrives. I had a loan the previous month and paid it back a day early, I paid it that time with my MasterCard XXXX XXXX Debit Card. I got the first loan on XXXX/XXXX/2015 and paid it back the night of XXXX/XXXX/2015 as I said with my XXXX card with no problems. I got the second loan on XXXX/XXXX/2015 and when the first of the month came, even though it clearly states in their records in their own writing " Do not take the money out before the third of the month '' they did it anyway which took me from a positive balance to a negative balance of - {$220.00} and to top that of on the same day they took another {$35.00}. My loan was for {$200.00} and I was to pay back {$230.00} which as you see above they got, so they had no reason to take another {$35.00} the same day, but it gets much worse. I have XXXX set up to take their XXXX out of my account automatically every month and that is why I had a little over XXXX dollars in the account before they broke our agreement and took the money before the XXXX. Well on the XXXX ( the next day ) XXXX took their money, or at least they tried to and since CashNetUSA broke our legally binding oral agreement ( actually since by their own admission it was even written in my paperwork by them I guess they broke a written agreement as well ) so when XXXX could not get their money I was slapper with a second overdraft payment, I say second because when CashNetUSA put me in the negative that was the first overdraft fine of another {$35.00}. So at this point them breaking our contractual agreement so far cost me {$70.00} overdraft fee 's. Now get this, I had XXXX XXXX transfer money from my Debit Card ( S.S.I ) to my XXXX XXXX account to put me back in the positive and then on the date of XXXX/XXXX/2015 they took another unauthorized {$230.00} out that I did not owe them ( remember they got their money on the XXXX XXXX/XXXX/2015 Believe it or not I am not finished yet, just 4 days after that they went in to my account and took another {$35.00} which I obviously did not owe them and again was unauthorized. When all was done and finished they stole XXXX + XXXX + XXXX and cost me another {$300.00} in overdraft fee 's and since I did not have all of my rent it cost me another {$50.00} late fee, not to mention going the entire month begging for food. In all they cost me well over {$800.00} and of course I had no choice but to close my bank account To add insult to injury to this day they still say I owe them {$230.00} and turned me over to a collection agency and ruined the credit score I had worked so hard on for years. I have all of my bank statements from wells fargo and plenty of p [ roof, including many witnesses. By them breaking our oral as well as written agreement and taking the money out early when their own notes in THEIR handwriting clearly states by their own admission " Do not take the money until the XXXX ''
10/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • ID
  • 83442
Web
On XX/XX/XXXX, I received word from my XXXX that a XXXX XXXX XXXX called XXXX was contacting my brother-in-law, attempting to get in touch with me about a debt. They had then called him, attempting to locate me. I got the information for XXXX, called them, and asked to speak to XXXX, who was the one that had contacted both my XXXX, and my XXXX XXXX informed me that they were attempting to collect a debt, owed to a company called NetCredit, in the amount of {$4800.00}. I told XXXX that I had never heard of NetCredit. I did not authorize the loan, did not apply for the loan, and as far as I was aware, did not receive money from a loan. She asked me to clarify my phone number, my address, the company I worked for, etc. It was determined that the phone number provided to the creditor was that of my XXXX, the address was mine, and the company provided was not an existing company. At this point I asked when the debt was incurred, and was informed that the information XXXX had stated that the loan was opened in XXXX of XXXX with funds disbursed in XXXX of XXXX We then clarified email address- as the listed email address was similar to mine, but not correct. Therefore, I had never received any communication from the creditor. I did recall that around that same time I had noticed suspicious activity on my bank account, with amounts of {$1.00}, then {$500.00}, and then $ XXXX being deposited into my account, and then removed from the account in the next XXXX XXXX. But I did not find any evidence of a payment made from NetCredit into my bank account. At this point XXXX transferred me to XXXX of her supervisors, whose name I unfortunately don't recall. He talked me through next steps, as by this point we suspected that I had been the victim of identity theft and fraud. He suggested that I report the fraud to the XXXX, and XXXX agreed to close the collection account as fraudulent, and they agreed to send me all pertinent information they had about the loan. XXXX resolved the situation to the best of their ability, and I have no complaints about their conduct or their actions. However, I have since received XXXX calls, texts, emails, and other communication from other companies, pertaining to a debt, which is never specified. I received a phone call communication today from a woman named " XXXXXXXX XXXX, attempting to get a statement from me about a file in her office under review. She stated that this was the XXXX attempt to contact me, and that it was a courtesy call. '' At which point the tone of the call becomes more threatening as she states that " this process will continue even if she doesn't speak with me directly. '' My XXXX XXXX XXXX XXXX and various other family members have also received communication from some of these " collection agencies, '' who are attempting to contact me. Most of them are threatening legal action, or sound as though they are. XXXX numbers are provided by these callers, XXXX of which being XXXX. The number which XXXXXXXX XXXX called from is listed in my phone as being XXXX, but the number she provides to me on my voicemail is XXXX. When I XXXX any of these numbers they come back as fraudulent, and others have listed them as attempted scammers. I would like action taken against these potential scammers. I would also like action taken to state that I have been the victim of identity theft and fraud, and that my name, and the names of my family members, as well as our contact information, should no longer be accessed by creditors and debt XXXX.
06/12/2017 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
  • CA
  • 900XX
Web Servicemember
There are at least 8-9 negative accounts on each two of three credit reports that I have with XXXX and XXXX. I have one with XXXX. After reaching out several times to all three bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have furnished a copy of my police report ( XXXX told me to get this year ), ID Theft Affidavit ( dtd back to last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : XXXX- ( cert letter sent X/XX/17 ) listed 4 times on XXXX report, 3 times on XXXX report, and 1 time on XXXX- all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature.

XXXX XXXX- ( cert letter sent XXXX ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) XXXX XXXX- listed on XXXX/XXXX report- ( cert letter sent X/XX/17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines.

Net Credit aka NC Financial- listed on XXXX/XXXX report- ( cert letter sent XXXX ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA.

XXXX- listed on XXXX/XXXX report- ( cert letter sent X/XX/17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back.

XXXX- listed on my XXXX/XXXX report- ( cert letter sent X/XX/17 ) failed to respond back within allotted 30 day requirement.

XXXX XXXX XXXX- listed on my XXXX/XXXX report- ( cert letter sent XXXX ) failed to respond back within allotted 30 day requirement.

09/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95841
Web Servicemember
In XX/XX/XXXX, I was working with the Dept. of Veterans Affairs for XXXX claims. They reviewed my record and submitted a claim to request an earlier effective date for one of my XXXX. Numerous people working at the Dept. of Veterans Affairs told me it was an open and shut speak for itself claim that will go in my favor. They said it would be determined in less than 1 week. At the time, I had been struggling financially because at XXXX weeks XXXX with baby # XXXX I lost the father of my XXXX children. I lost more than half of our income and could not keep up on my salary alone. I became in over my head with debt to many people. Electricity was about to be turned off and everything was past due. Knowing I was about to collect {$40000.00} I took out an installment loan with NetCredit because they said I can cancel within 7 days. My plan was to just collect the funds earlier, pay my debts right away, get my back pay, pay it all back and be done with it. My VA claim was denied. I appealed it and that was immediately denied. I was stuck paying extremely high interest on this loan indefinitely. I took out the loan through NetCredit for the amount of {$3700.00} on XX/XX/XXXX. I was steadily making payments every two weeks on this loan for {$230.00} until the XXXX XXXX. I am a XXXX employee who was out of work and without pay for the duration of the XXXX. During the XXXX, NetCredit deferred my payments without question or hesitation giving me the peace of mind that everything was going to be okay. When the XXXX was over my intent was to pay the balance in full. What NetCredit failed to tell me was that the payments I had made toward the loan did not go to the principle whatsoever and during the XXXX they were collecting 144 % interest every day that I could not pay. By the time the XXXX was over, they had tacked on over {$1000.00} in interest to the loan. Despite almost paying the loan off, they still reported I owed {$3700.00} plus accrued interest at that time. They told me that since I had been in non-pay status for so long ( during the XXXX ) that if I didnt make a payment immediately they would send me to collections. This was in XX/XX/XXXX. It is now XX/XX/XXXX. I have not made any payments to this account because they would not compromise whatsoever from charging insane amount of interest during a time I had absolutely no control over. They have yet to close the account and are continuing to rack up interest and report the balance of the loan increasing every month. They are reporting that I owe {$6600.00} to this day for this loan. I havent made a payment since XX/XX/XXXX and the account is still open and they are still increasing the amount I owe. Had they not taken advantage of the situation I could have paid the loan and been done with it. They were unwilling to budge and now they continue to take advantage for their personal profit. This is beyond unfair. I have no doubt that they are letting the loan sit so they can charge off more than double what I even borrowed AND collect what I already paid and then send me to collections to get another {$7000.00} from me. I am a single mother of XXXX children who are not even old enough to be in school yet. I can not afford what they are putting on me and they are making it so I can not provide for my family by destroying my credit. I need some help to get this resolved. I really appreciate your time.
11/09/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 787XX
Web
I received a phone call and voicemail on XX/XX/2021 from " XXXX XXXX '' who indicated that she is from, " the payment processing department of XXXX ''. She also stated that she was calling to inform me that a " scheduled voluntary restitution payment '' for case number XXXX was returned. She asked me to return the call to let them know if this was an oversight or if the funds were not available. She also mentioned that if the payment was not made in a timely fashion it would cause a null and void of my deferred legal arrangement. Lastly, she mentioned that it would be documented that I was legally notified. The number she left to return the call was XXXX, which is different from the number that appeared on my call ID. That number is XXXX. I returned the call and after speaking with Miss XXXX and notifying her that I felt I was a victim of fraud or identity theft she verified that although my name was on the account, there was a different social security number associated with the account and that there were 2 email address on file ( XXXX, I did not write the other down ) that were also not mine. Miss XXXX also indicated that the account was opened by my wife " XXXX '' however, I am not, and have not ever been married to anyone by that name. Miss XXXX placed me on a brief hold and XXXX XXXX joined the call. Both Miss XXXX and Mr. XXXX indicated that he was a manager with XXXX. Mr. XXXX re-iterated what I explained to Miss XXXX and advised me to contact CashNetUsa by phone to report the fraud. Mr. XXXX also provided me with an account number ( XXXX ) and bank account ( XXXX XXXX account ending in XXXX ) to reference. Upon contacting CashNetUsa at XXXX as instructed by Mr. XXXX to report the fraud, I was advised by someone on the " Fraud Team '' that I would be sent an email stating what I needed to do in order for CashNetUsa to open and investigation. I received an email that evening from XXXX with the instructions. As instructed in the email, I filed a report to XXXX XXXX ( Ref # XXXX ). XXXX XXXX advised me that someone from the XXXX Police Department would return my call to file an official report. Later that evening I received a call from someone at the XXXX Police Department and filed report number XXXX. The email I received from XXXX stated that I needed to fax the police report to XXXX, however, I do not have a fax machine. I sent the police report to XXXX on Wednesday, XX/XX/2021, as this was the email address indicated in the the email from Support as the email address for the CashNetUsa " Fraud Team ''. Later that afternoon, I received a response from XXXX stating that they had investigated the loan records and police report and based on their findings, I was liable for the paying the balance. The email also stated that the terms for the loan are outlined in my contract and that my contract can be accessed in my online account which I do not have. It also said if I needed login assistance, to contact customer service. I tried on 2 occasions to contact customer service for assistance and both times was instructed to contact the " Fraud Team ''. When attempting to contact the " Fraud Team '', the first agent gave me a number to call ( XXXX ), which turned out to be a different business number. When I called back, the agent said they were transferring me to the " Fraud Team '', then hung up on me.
01/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92410
Web
I get these random emails not knowing who and why are initialing services. It's becoming a real problem. See below. Date : XX/XX/XXXX, XXXX XXXX Central Time Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX Dear Applicant : Thank you for your recent application. We regret that we are unable to approve your request for consumer credit. Your application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. The information you provided in your application did not score a sufficient number of points for approval of the application. The reasons you did not score well compared with other applicants were XXXX Risk View Score XXXX XXXX XXXX XXXX Auto Origination Score In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agencies. It can be obtained by contacting : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX You also have a right to a free copy of your report from the reporting agencies, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. We also obtained your credit score from XXXX XXXX XXXX XXXX and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of 500 to a high of 900 Key factors that adversely affected your credit score : No evidence of phone service at address Number of inquiries in the last 12 months If you have any questions regarding your credit score, you should contact XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Federal Trade Commission, Equal Credit Opportunity, XXXX XXXX XXXX.
03/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 95610
Web
Applied for a loan with this company on XX/XX/XXXX when I lost my XXXX and needed the funds for the XXXX. I have never missed a payment for a year. Paying {$410.00} every month beginning XX/XX/XXXX until I had a serious health setback the last week of XX/XX/XXXX and my XXXX would not authorize me to return to work until XX/XX/XXXX. I remained in touch with the company and tried to make good faith payments in the 5-months that I was recuperating. Returned to work in XX/XX/XXXX. Tried to make a payment, but instead received an escalated COLLECTIONS letter to settle the debt for over {$2500.00}. The interest rate on this loan is 147.89 % I have paid on time over {$5000.00}. on this loan. The loan was {$3200.00}. The interest only is {$6000.00}. I was given the date of XX/XX/XXXX to settle this account by paying the full amount, even though I have suffered a XXXX and been unable to work until XX/XX/XXXX. I sent them a letter and stated that I was reaching out to the Consumer Finance Board, and they responded with a second email demanding an initial payment on XX/XX/XXXX of {$510.00}. and again every 2-weeks. for a total of {$1000.00}. every month. They also demanded my credit card number. I am not attempting to avoid my responsibilities to pay the principal. My history shows that I have acted in good faith, as I have thus far paid over {$5000.00}. I have been sick and I still am, but I have returned back to work at a time that they have decided to escalate the loan with an enormous settlement amount of {$1000.00}. every month. The new AB-539 law may not apply here when it comes to enforcing the repayment on this interest but I need protection, help and representation. The threat from this company is to report me to the credit bureau 's for something that couldn't be helped. I can't sleep or eat. The only offer from this company 5-months ago was for me to pay more in order to catch up on the back payments. In essence, they have actually been paid the principal of {$3200.00}. plus about {$1000.00}. or more in interest but they have applied all of this to the interest only and now the threat of ruining my credit when I am almost XXXX years old is unbearable. I have stayed in contact with this company and tried to pay them while I was on leave from work but What I thought I could borrow didn't work out. Now, I am back at work and trying to pay something and it only turned into a collections escalation at a time when I am still weak and the United States is in Crisis mode and California has been issued a State of Emergency. I am working around sick, coughing and sneezing individuals worried about how to settle this matter when I don't know what my legal rights are or if I even have any legal recourse. Please help me. I don't have a history of taking out loans I can't afford. I also have made my payments on time prior to my injury. This company has given me 2-different dates to pay the first one was by XXXX XXXX and the most recent email was a demand for me to make a payment of {$510.00}. by XX/XX/XXXX. This company also failed to offer me all of the options for me to pay ( check, routing number, money order, etc ... ). They only mentioned my credit card or debit card, and knowing that I suffered a XXXX, they want me to speak with them, when they hung up on me twice when I did answer.
11/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • VA
  • 20110
Web
Dear All, Since Monday, XX/XX/XXXX, I have called several times to speak with someone at NetCredit regarding changing the due date to my upcoming payment due on Friday, XX/XX/XXXX. Their automated phone system does not have an option to speak with a customer rep. On XX/XX/XXXX, I was able to chose an option to speak with a rep, but no one answered, after being on hold for over 10-minutes. I called back and once again there is no option to speak with a rep. The only option is to reset the passcode to my account to update my personal or banking information. On Monday, XX/XX/XXXX, I sent an email and have sent a follow-up every day since, and have only an automated message that someone would get back to me shortly. It's now Wednesday, XX/XX/XXXX, and I haven't heard from the company. On Tuesday, I sent a direct message to the company via XXXX and was told someone would call me, " Thank you for messaging us. We try our best to respond quickly and efficiently to all our customers ' questions but sometimes we expereind3 a high volume of calls and emails. We appreciate your patience and aim to answer your question as soon as we can! If you matter hasn't been resolved please provide me with your customer account number and a good contact number? We will have an associate to contact you. '' I provided my mobile number and account number. Twenty-four hours later, and I haven't not gotten a call from NetCredit and the automated phone is still inactive. On Wednesday, XX/XX/XXXX, I sent another direct message via XXXX information that I was not reporting this matter to my state Attorney General. Here was their response : " Thanks for messaging. I have forwarded your information to a representative to contact you. '' I am not hopeful that I will receive a call. I have insufficient funds in my bank account and now the payment will bounce and I will incur a fee. Making matters worse, I attempted to change the payment date from XX/XX/XXXX to XX/XX/XXXX ; as their automated phone system said I could ; but all it did was setup another payment, which I can not cancel via their online system. Thus, another payment is going to bounce in my bank account. Simply put, all I have been trying to do is contact a rep to reschedule my XX/XX/XXXX payment to another day. When I spoke to a rep in XX/XX/XXXX, I was informed that I would have to call every month 2-days prior to my scheduled payment if I needed to change the payment date. I am in compliance with their rules. Why is their phone not working? Why has no one responded to my email correspondence? In addition, I have been paying on this {$4900.00} loan since XX/XX/XXXX, paying an average of {$410.00} a month ; and it says I have to make payments until XX/XX/XXXX. I have noticed that my balance as been around {$7500.00} for two years now. I have given them {$7300.00} thus far. At this point, I think I have met the terms of the contract and have paid the loan balance in full. They clearly are not applying any of my payments to the loan balance, but only to the interest rate. I need assistance with ending this contract immediately. I am aware that the Virginia Attorney General recently file and won a case against NetCredit, and I wonder if qualify for the settlement arrangement determined by the court.
01/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 291XX
Web
On XXXX XX/XX/2019, I was informed by NetCredit that your payment history has been satisfactory ( 0-29 days past due ) since the beginning of your payment history. On XXXX XX/XX/2019, I received an email from NetCredit stating I owed {$200.00} ( {$100.00} for XXXX XXXX and {$100.00} for XXXX XXXX ). On XXXX XX/XX/2019, I called NetCredit to make my XXXX XXXX payment. I was transferred to the Collections Department and informed the representative that I wanted to pay what was owed for that XXXX XXXX payment. I was told I owed {$100.00} and I approved the payment. This was on day XXXX, not XXXX. I paid exactly what I was told I owed. Had I been told I owed {$150.00}, I would have paid {$150.00}. At the end of the call, the representative stated my account was now current and my next payment was due on XX/XX/2019. I made that payment on XX/XX/2019. On XXXX XX/XX/2019, I received an alert that there was a change to my credit report. It read NC FINANCIAL has flagged your account as 30 days past due. I was baffled. I assert that this is fully due to an error on the part of NetCredit and am formally requesting an adjustment. I will also submit this request via the Consumer Financial Protection Bureau. I immediately contacted XXXX XXXX XXXX, Sr. Compliance Associate, via telephone and was connected to her voicemail. I left a rather frantic message. I then followed up with an email. I logged onto my NetCredit account and there was now a message which read Your payment due on Wednesday, XX/XX/2019 is now overdue. Please make a payment as soon as possible. Again, I called in and made my XX/XX/XXXX payment on XX/XX/XXXX. I paid what I was told I owed by the NetCredit Collections Department representative. I followed up with another email to XXXX XXXX on XX/XX/XXXX. At this time, my NetCredit online account showed I only owed {$100.00} for the XX/XX/XXXX payment. I logged on and paid that on XX/XX/XXXX. I again followed up with XXXX XXXX on XX/XX/XXXX. I finally received a response on XX/XX/XXXX. XXXX XXXX stated I actually owed {$110.00} on XX/XX/2019. She stated that since I did not pay that full amount, my account was reported as 30 days late for the XX/XX/XXXX payment. If I owed that amount, why did the Collections Department representative tell me I only owed {$100.00}? Why after I paid that {$100.00} did the Collections Department representative tell me my account was paid until the next due date of XX/XX/XXXX? Why was I never told I owed {$110.00}? Of course I would have paid the {$110.00} if the representative had told me that was what I owed! Why would I have allowed my account to go 30 days late over {$6.00}? That is absurd! Of course I would have paid what I was told I owed when I called in on XX/XX/XXXX! I DID pay what I was told I owed! To show that, I immediately made a payment of {$10.00} on XX/XX/XXXX. I would have paid that amount on XX/XX/XXXX, but was not told I needed to. At the start of the telephone call on XX/XX/2019, I was informed the call would be recorded. Locate that recording and you will hear exactly what the collections representative told me. I am being severely penalized over less than {$10.00}. Please remove the late report as it was due to a miscommunication in what was owed by NetCredit to me.
01/21/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • VA
  • 23059
Web
Had line of credit payday loan account with CashNet USA since 2013. Agreement was signed with monthly payment for loans. I am paid on XXXX of each month. Payments were made in accordance with agreement since 2013. On XXXX XXXX, CashNet USA deducted an additional {$390.00} payment from my account, after agreed upon payment was made on XXXX XXXX for {$670.00}. This caused my checking account to become negative and resulted in overdraft fees for several other purchases. This also resulted in my family, including XXXX children, to be without money for living expenses until our next pay period. I contacted CashNet USA the first time on XXXX XXXX and was told that yes, the payment was taken incorrectly and it would be reversed. This process would take 24-48 hours. I waited for the deposit into my account, in the meantime taking out additional funding from my line of credit to cover living expenses while my account what negative. After 48 hours I contacted CashNet USA again, and this time was told that the 48 hour period is for them to enter the reversal but it would not hit my account for 3 - 5 business days. Again, I waited for the deposit to my account. I was told by the associate on the phone that I had an additional {$200.00} available in credit and then went online and requested that funding so that I would have additional money for living expenses. I called several days in a row to check the status of the reversal and was told that it had been processed but would have to wait for the 5 days before it would be deposited in my account. After the 5 days had passed and there was still no deposit, I contacted CashNet USA on XXXX XXXX and was then told that the reversal had been cancelled because I had requested the additional {$200.00} in funding, which was only available on my account because of the payment that was incorrectly charged. At this time I explained to the associate that I only took the {$200.00} because my account had been overdrawn by CashNet USA when they took an unauthorized payment from my account. The associate spoke with a manager and informed me that they had made a {$50.00} credit on my account instead of reversing the payment. I explained that the credit was not sufficient and I wanted restitution for the unauthorized payment. After holding for several minutes I was told that the manager was going to override the cancellation of the payment reversal and ensure that the reversal would be completed. I was told this would be deposited back into my account within 24-48 hours. I confirmed that I would not have to wait another 3-5 days for the deposit. After another 48 hour waiting period, I still had not received the deposit from the payment reversal. I contacted CashNet USA again and was told that mgmt. cancelled the reversal and they would not refund the payment since I had taken the {$200.00} advance. I never authorized this debit from my account, CashNet USA stole this money from me and is now charging me interest on funds that I used to maintain my bank account after they cause overdraft charges and my family of XXXX to survive without money because of their inability to follow the terms of the agreement, eventhough I had been maintaining my agreed upon payment terms for two years.
11/07/2023 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
  • OH
  • 441XX
Web
Cfpb Unauthorized Inquiries letter XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXttn : Consumer Complaint Division Subject : Formal Complaint against XXXX for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, the XXXX major credit reporting agencies, regarding unauthorized credit inquiries listed on my credit reports. These inquiries were conducted without a permissible purpose, thus violating the Fair Credit Reporting Act ( FCRA ) and adversely affecting my creditworthiness. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX I have taken the necessary steps to address this issue directly with the credit reporting agencies by sending a pre-litigation dispute letter, which is attached for your reference. However, as my concerns remain unresolved, I am turning to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this matter. As you are aware, the FCRA, under section 604 ( a ) ( 3 ) ( C ), mandates that a permissible purpose is required for a credit inquiry to appear on a consumer 's credit report. Permissible purposes include, but are not limited to, credit transactions initiated by the consumer, employment purposes, and with written consent of the consumer. I can affirmatively state that I did not initiate these inquiries, nor did I provide my written consent for any of them. These unauthorized credit inquiries have had a detrimental impact on my credit score and creditworthiness, hindering my ability to secure credit, employment, and housing opportunities. I am left with no choice but to seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, XXXX, and XXXX for their willful noncompliance with the FCRA. I ask for your assistance in ensuring that these unauthorized inquiries are promptly removed from my credit reports, as well as any other necessary actions to rectify this situation. I am willing to provide any additional information or documentation that may aid in your investigation of this complaint. Please keep me informed of the progress and outcome of your investigation. Your intervention in this matter is crucial to protecting consumers ' rights and upholding the integrity of credit reporting agencies. Thank you for your attention to this matter, and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
12/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 78539
Web
Over the last 6 months Ive tried emailing and calling customer service. Im not sure if this company is even still in business. Nobody answers the phone. Waited for someone to answer multiple times after staying on the phone for over an hour and a half!!! After waiting that long the phone randomly just disconnects. This process has been a complete nightmare. I applied over 3 weeks ago and I just got another denial letter saying that they can not verify my income information. I have linked the lender directly to my bank, I have also submitted my actual bank statements to the lender and they still stated that they do not see the information. They do not answer the phone after being on hold for more than XXXX minutes. If they connect on the line the phone automatically drops the call. The weird part about this is that while your loan is pending you can never get anyone on the phone. As soon as the decision letter goes to the email, you are then able to get through and you are told to reapply all over again. NetCredit seems to be out of business. They tried to take double payment out this month and I can't reach ANYONE there. The phone hangs up and/or keeps ringing. If I got a call back, it was a bot who would hang up immediately. 24 hours trying to reach this predator lender is obscene. I am notifying my bank not to honor withdrawls. They declined my good debit card and changed contract terms to douhle payments until the end of it. I suggest XXXX XXXX run as fast as you can. According to reports online, they have been doing this since XXXX and people are very angry. I am contacting a lawyer. Literally theres hundreds of these complaints coming from Net Credit. Fraud because I was trying to make a payment but same thing kept happening to me hung up or could never reach anyone. Now trying to say I owe interest when Ive already made payments towards my loan. ( {$1300.00} ) Date : Mon, XX/XX/XXXX at XXXX AM I sent a voided check on XX/XX/XXXX. I really need this resolved because company keeps charging me even more which is unfair to me because I have been reaching out to you all and trying to make payments. The amount I owe now is ludacris. Please give my info to a manger or higher authority been dealing with this issue for awhile now. XX/XX/XXXX Original message : I cant never reach anyone when I call can you please do something so I can pay you all online this is really starting to irritate me XXXX XXXX Original message : I will have payment next week on Thursday for {$250.00} I need you all to stop charging me until I get caught up I will have {$300.00} the following week after that. XX/XX/XXXX & XX/XX/XXXX I tried calling you all by phone but call keeps getting disconnected. Have financial burden due to XXXX had to start new job in XXXX. XXXX XXXX Line of Credit Number XXXX Past Due Payments XXXX Past Due Amount {$1000.00} If you are experiencing financial hardship due to XXXX, we want to let you know that NetCredit is here to work with you to minimize the impact it may be having on your finances. A NetCredit XXXX can work with you to help identify a flexible payment solution that fits your financial situation. Please contact us Worse company ever
01/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 93003
Web
I was approved for and received a small loan from CashNetUSA. This is not my first time to receive a loan from this company. The problem is I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where unexpectedly I ended up filing a Discrimination and Equal Pay Rights complaint agaist the XXXX XXXX that made it as far as the Hearing level. This has been a very intense case that took over 2 years to come to a settlement agreement. This was done just recently. Unfortunately I was placed on extended leave due to stress and once I no longer had leave on the books I no longer was receiving an income! I contacted CashNetUSA multiple times explaining my situation and that I take full responsibility of my debt to the company but have no way whats so ever to continue making payments until my XXXX case was over. I ensured CashNet that even if I lost the case I would be retiring receiving a full annuity after 38 years with XXXX Im finally going to receive a settlement amount and will start receiving my retirement so I will be able to take care of all financial obligations. My problem is with the interest this loan company is charging me for a small loan where something came up preventing pay day payments from being paid. During the time this hearing process has take until I signed an agreed Settlement amount I lost my home of 20 years, my car and just about everything I owen trying to survive as a single parent with XXXX boys and no income on top of surviving the XXXX XXXX XXXX thats thrown at you every time you ask for help! There is only one process available to an employee that is set up to support management. The XXXX XXXX has its own way of handling employees who are a threat to upper management. Because I was very informative keeping CashNet up to date with my lawsuit by writing letters, email and discussions on the phone, in an effort to avoid the high interest rates Im being charged. My total balance now is almost 3 times more then the amount borrowed. I have a feeling because this falls under their contract that Im going to be stuck paying the full amount including all interest during the 2 year waiting period. All said and done, Is there any kind of protection to individuals getting this type of loan that fall under the circumstances I have explained preventing me from making Pay day payments? I have another loan with a different company that is also a small pay day loan that has already sued me. I dont even know what the out come of that law suit even is. The hearing process for a XXXX XXXX employee is absolutely ridiculous the way it is set up forcing the employee to settle out, transfer out or take an early retirement due to what is known as forcing the employee and their family into starvation to get them to accept other options that dont serve justice! As you are aware Im sure the XXXX XXXX will avoid going to court in every way possible. I am one of the fortunate ones that was able to out starve them and I won my case! Do, Can you please guide me in any positive direction or give me advice on what I can do if there is a way, to avoid paying such high interest rates on a small loan? Please advise Sincerely XXXX XXXX
10/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I am officially filing a complaint against Enova International , Inc. d/b/a XXXX. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. XXXX claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a XXXX bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a XXXX makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a XXXX has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. On XX/XX/2017, I took a loan from XXXX in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$1100.00} with a 12th payment yet to be applied by XXXX. Once this payment is applied, I will have paid {$1200.00}. XXXX states I still have twenty-four more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3700.00}!!!!!!! This equates to an interest rate of 316 %!!!!!! I will pay more than 3 times the amount borrowed. I will pay {$2500.00} in interestmore than double to amount of the loan ( 216 % )!! That is outrageous!!!! The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I will make my XXXX, XXXX, and XXXX payments of {$100.00}. Once those payments have been made, Enova International , Inc. d/b/a XXXX will have received {$1400.00} from me for the {$1200.00} I have borrowed. I will have paid {$270.00} in fees ( 23 % ) which is a much fairer amount. I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. Once my XXXX payment clears, I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a XXXX will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
10/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I am officially filing a complaint against Enova International , Inc. d/b/a XXXX. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. XXXX claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a XXXX bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a XXXX makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a XXXX has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. On XX/XX/2017, I took a loan from XXXX in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$1100.00} with a 12th payment yet to be applied by XXXX. Once this payment is applied, I will have paid {$1200.00}. XXXX states I still have twenty-four more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3700.00}!!!!!!! This equates to an interest rate of 316 %!!!!!! I will pay more than 3 times the amount borrowed. I will pay {$2500.00} in interestmore than double to amount of the loan ( 216 % )!! That is outrageous!!!! The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I will make my XXXX, XXXX, and XXXX payments of {$100.00}. Once those payments have been made, Enova International , Inc. d/b/a XXXX will have received {$1400.00} from me for the {$1200.00} I have borrowed. I will have paid {$270.00} in fees ( 23 % ) which is a much fairer amount. I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. Once my XXXX payment clears, I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a XXXX will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70094
Web
I received alerts that an unknown Credit hard inquiry was placed on my credit report, specifically XXXX so far. I have not applied for any sort of credit application in over a year, and have never contacted either of the companies I have identified at any time. - - - Through some looking around, it appears that my personal email address was found on dark web monitoring, and I also received several emails from the same name as showed up on my XXXX report. I have tried contacting the company on the credit report directly ( NetCredit ), and through several attempts to get them on the phone no one ever picks up. The emails indicate that it was a line of credit application of some sort, probably some sort of loan, but it appears as if it was denied - but this has not been truly confirmed yet. Attempting to contact the company listed in the emails that look to relate to this ( CashNetUSA ), they say my information ( Phone, SSN, Email and Name ) do not appear in their system. When pulling up by the account / application number in the email, I was told that this account was in fact denied, but was told again, that my identifying information ( Phone, SSN, Name & Email ) was not listed on this account and so they could not assist me further ( even though this same email was how I got their contact information and account number in the first place ). I have requested a credit freeze with XXXX, and am in the process of reporting the fraud alert to them as well. I am also in the process of doing the same with the other credit reporting agencies as well. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Credit Report Information : Date of Hard Inquiry = XX/XX/2021 Company Name = NetCredit FS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Information from Emails ( at the time this was discovered that correlate to this fraud, More details can be given in secure communications if needed ) from : XXXX to : XXXX [ XXXX ] date : XX/XX/2021, XXXX AM subject : Your Line of Credit Application XX/XX/2021 Dear [ **My Name - Redacted for Privacy** ] Thank you for your recent application for a line of credit. Your request was carefully considered, and we regret that we are unable to approve your request. Reasons for Denial of Credit - Number of recent inquiries. CashNetUSA Customer Support XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : NetCredit XXXX to : XXXX [ XXXX ] date : XX/XX/2021, XXXX PM subject : Your Application is Being Processed mailed-by : XXXX signed-by : XXXX Dear XXXX, Account # : [ XXXX ] Thank you for choosing NetCredit. Your signed loan agreement with NetCredit has been received and your application has been forwarded to our Loan Processing Team for review The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- If I need to be reached for further information, my ( legitimate ) information will be provided as needed.
02/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 75204
Web
I applied for a loan for Cashnet Usa online for the amount of {$200.00} on or about XX/XX/XXXX. The total amount due on this loan including interest and fees would be {$250.00}. I was contacted via phone by a representative of Cashnet Usa to complete the loan process and agree to terms and repayment conditions. I agreed to this and electronically signed all documents needed to complete the process, including a form to allow Cashnet Usa to automatically withdraw payment from my checking account. The money was deposited into my account on XX/XX/XXXX. I then decided to call Cashnet Usa to inquire about a different repayment plan because the XXXX holiday was near and I might not be able to repay in full on my next pay date, which was XX/XX/XXXX. The guy I spoke to asked me which state I was calling from. I told him I was in Texas. He then gave me the news I wanted to hear. I could repay the loan back over time in 4 installments. He gave me the details needed and I was relieved to know that I could have more freedom to repay. Then, on XX/XX/XXXX, Cashnet Usa withdrew {$51.00} out of my account. I felt relieved because I considered that my first installment payment. My account was charged {$52.00} on XX/XX/XXXX. A couple days later, I decided to log in to check my account balance and discovered that my loan had only been extended and not set up for the installment payment plan like the guy told me it would. The amount I owe was still {$250.00}. I called Cashnet Usa on XX/XX/XXXX and spoke with a lady named XXXX. XXXX informed me that no such arrangement had been made and that I had only extended my loan and the two payments I had made only went toward extension. I was XXXX. I then told XXXX I would like to repay Cashnet Usa back, but I wanted the automatic payments to be stopped. XXXX says that there's no way to stop the payments since I still owe them money. Isn't that unlawful? I requested Cashnet Usa not pull any more money from my account and was told they couldn't stop. XXXX then informs me that she can send me an email with the information that I need to begin making the installment payments I originally thought had already been agreed upon. While I was still on the phone with XXXX XXXX checked my email and there it was. I had to click a link and fill out a form to agree to 4 equal installment payments of {$64.00} which will be taken out of my account automatically on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. Even though I had already paid {$51.00} and {$52.00}, my balance due remained {$250.00}. This is a sham. After I completed and submitted the form, I called Cashnet Usa again to verify that the form had been received and those were the new terms to my loan. I was forwarded to the collections department and was reassured that the new terms were accepted. I am afraid that Cashnet Usa will take even more money from me at this point and dip into my bank account without my permission. I check the Cashnet Usa app and the online website, but found no information on how I can get them to stop the automatic payments on my account. They are clearly taking advantage of consumers.
06/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 530XX
Web
On XX/XX/XXXX I was reading my XXXX emails and I saw that XX/XX/XXXX a company called Net Credit had sent me an email Update on a credit application. So I opened the email and it was a denial for an auto loan which I did not apply for. So I remembered seeing the name of the company somewhere before and it was on my XXXX XXXX page as one of their recommendations for a personal loan along with another company called XXXXXXXX XXXX. When I looked at my account there was a disclaimer box next to the two companies saying there will be an email letter of adverse credit sent to me by one of these companies. So it did not dawn on me at the time why that would be happening. After I sent the email the disclaimer box mysteriously disappeared. Luckily I took a screen shot beforehand to prove it was there. So I decided to call the company to ask what was going on. When I called I spoke to the Rep and she could not give me any information but pulled up my email address and told me to call the police get a report number for identity theft and call back to give them the number. So I did. The officer came to my home took the information and gave me his information and the police report number along with the credit bureau numbers. The only problem with the resource numbers is that the email that NetCredit sent said they used XXXX XXXX and I did not have that number to call because most people do not know that they are apart of decision making for loans of any kind. On XX/XX/XXXX I sent an email the XXXX XXXX security data department since there was no phone number or any contact information for a situation like this. I was sent an email response back immediately with a case number and letting me know that someone would get back to me. On XX/XX/XXXX XXXX received an email asking me for my email and birth date. Then they said someone more prepared would get back to me to take care of this matter. On XX/XX/XXXX there was another application ran by NetCredit using my old address that was denied for a personal loan. Now During this entire month since I received the police report number I have been trying to get in contact with Netcredit but they keep you on hold for hours. The strange part of the first loan was the city listed on under my address was part of my password for XXXX XXXX. I thought that was really strange although it may not have played any part in this scheme. As of the date of this complaint I have not heard back from XXXX XXXX after another status update email was sent by me on XX/XX/XXXX. Net Credit has listed on their website if you have problems to contact the ftc. The problem with the ftc is that they don't do anything but educate you. I don't need the education Netcredit and XXXX XXXX does on how not to use people 's information without their permission. I know their is something I can do to stop them and hold them accountable for their actions because they deserve it. Even if the loans did not go through what if they did. I would have had a bigger problem just getting rid of them. Now I have those denials listed on XXXX XXXX for XXXX XXXX getting paid and NetCredit making quota.
02/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • AL
  • 36330
Web
XX/XX/XXXX : Pre-approved. Unable to auto-verify bank information a second time ( despite it functioning on their website the first time. ) Phone call received from XXXX. Informed XXXX I was locked for auto approval of banking information. She informed me I could submit my XXXX most recent bank statements instead. I submitted approximately XXXX minutes later via email. XX/XX/XXXX : multiple emails regarding 'additional information '. Phone call with another agent. Informed agent I was able to log into my bank account for auto verification but there seemed to be some sort of technical error on their end where it was stuck on 'loading '. Was told 'sometimes credit unions have extra security features '. ( I had no issues with this system during the pre-approval process. I believe this to be untrue. ) was told to submit a voided check because 'we require your XXXX most recent bank statements and a voided check for approval because you bank with a credit Union ''. There is no information available to the consumer that would hint at additional requirements for credit union customers. I submitted screenshots of my current account activity as well as a bank-generated digital check. Their requirements for a voided check are 'your full name as well as account and routing number must be visible on the check. ' I received a call stating the check image i provided would be fine as long as I re-submitted it with a 'void ' status. I re-submitted this check, now with 'void ' added to the image. XX/XX/XXXX : Informed I would need to submit another voided check because this 'looked digital '. I made that fact clear in prior correspondence, as I told every agent I interacted with that I was leaving down for over a week today ( XX/XX/XXXX ) and that's why I needed the loan and wasn't able to go to a physical bank location before then. I submitted every piece of documentation I was asked for despite these additional requirements not being made clear. I do not believe their additional verification requirements based on my banking with a credit union are fair or acceptable. After XXXX days of correspondence, I am now out of town and unable to obtain anything from my physical banking location by the time they will deny my loan due to lack of sufficient documentation on my end ( XX/XX/XXXX ). Their lack of transparency with the application process as well as lack of clarity regarding their requirements has caused damage to my credit in the form of a hard inquiry that will stay on my credit report for years and which I am in the process of rebuilding. Documents I provided : My XXXX most recent check stubs with my direct deposit information present on the documents to include my account and routing number. My XXXX most recent bank statements with XXXX direct deposits present from my place of employment. A bank-generated digital check with my full name, address, account and routing number present. Screenshots of my open and active checking account and most recent transactions to include transactions from that same day, as well as account and routing number.
01/08/2017 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • DC
  • 20002
Web
On Wednesday, XXXX XXXX, XXXX, I routinely checked my bank accounts for balance and cleared payments. At that time, I checked XXXX XXXX Bank - which showed a deposit of {$1100.00} ( see attached. ) I did not apply for, go online thinking about applying for, or call or write anyone in any attempt to get any payday or other loan. So I went directly to my bank, asked them how this company has access to deposit money in my account? The bank would only tell me that the transaction was authorized. So I closed that account with them and re-opened a new account. The lender is CashNet USA or similar name. The loan looks like it was deposited on XXXX/XXXX/XXXX - to XXXX in XXXX ( XXXX branch ) .I am a XXXX resident, and was born and raised here. After speaking with XXXX office last week, I was advised that currently this company does not have a license to 'lend money ' to anyone residing here. ( CashNet USA 's website also confirms this. I should say that from about XXXX XXXX through XXXX XXXX, I did in fact have a loan through CashNet, but paid it off in full and have documents from CashNet to prove it. So, someone went online and applied for a loan in my name. This current loan lists the account # XXXX which is the same account # on my payoff documents. What benefit is it to a criminal to apply for a payday loan under a someone else 's name when i 'm sure at some point they had to be told the funds would be deposited into the pre-existing bank account -- that the criminal could n't access? How did CashNet still have authorization to access my bank account in the first place - after i closed my account with them? How did CashNet issue a loan in XXXX when it does n't have a license to do so, and it 's a prohibited practice in XXXX? And now I 'm FORCED to take action, and lose time from work etc. I believe CashNet, through some layers of deception, deposited this money on purpose in hopes I 'd just and pay them. I did not sign anything, and whoever acted to make this current 'loan ' apparently relied on old data on me from my previous loan - ( in which i was living in XXXX with a XXXX licence and car registration ). In making this 'loan ', CashNet should have ( by law or just due dilligence ) bothered to verify who i am, current employer, address, phone, etc. on me including public records of me moving to XXXX, changing car title and registration, and my driver 's license. Instead it appears they choose to 'slam ' me with this loan, and now expect me to pay back at usuary rates. This is no different than XXXX XXXX standing on a street corner and one SHOVES money in your pocket while the other yells " Yeah, that 's {$1100.00} there - and now you owe us {$5000.00} in interest, fees, and principle. '' This has got to stop! The federal government exists to protect it 's citizens from XXXX like CashNet. Set a maximum " payback '' rate on all payday loans, AND make it a felony criminal offense to loan money and receive payback at ANY rate, or by any other terms that would cause a consumer to effectively pay higher than the maximum payback rate.
03/13/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MO
  • 64133
Web
cashnetusa XX/XX/2016 Dear XXXX, Thank you for your recent application for a Cash Advance. Your request was carefully considered, and we regret that we are unable to approve your request. Reasons for Denial of Credit Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. The reason ( s ) you did not score well compared with other applicants were : Unable to verify personal information and/or identity. Your Right to Get Your Consumer Report In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting : XXXX. XXXX, CA XXXX Toll-free : XXXX Fax : XXXX XXXX XXXX XXXX, GA XXXX Call Toll Free : XXXX Online XXXX You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Information about Your Credit Score We also obtained a quantitative identity evaluation from XXXX. and used it in making our credit decision. This evaluation is represented by a score that reflects the information in your consumer report. This score can change, depending on how the information in your consumer report changes. Your score : XXXX Date : XX/XX/2016 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Inquiries did adversely impact score. Unable to verify personal information or identity. Number of recent inquiries on credit report. If you have any questions regarding this letter, you should contact us at : CashNetUSA Customer Support XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX www.CashNetUSA.com Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Federal Trade Commission Equal Credit Opportunity XXXX XXXX ( XXXX ) TDD : [ [ tel : XXXX ] ] XXXX
02/06/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 96003
Web Servicemember
Not much happened other than the capitalist rise in America! Due to divorce I had to file bankruptcy. My credit was great until divorce. The ex was not helping with our debt anymore so I filed for bankruptcy. This has begun a long arduous journey of restoring my credit. Because I am post bankruptcy I did not have access to any loans. I got many credit card offers, many of them at the max APR and usually with a $ XXXX $ XXXX+ annual fee, just to have the low balance terrible interest card. I did have access to installment loans. Little did I know how terrible they are. I have had XXXX now, maybe XXXX. Each one ends up in a new XXXX towards the end of it 's lifeline. The credit system in America needs to be seriously reconsidered. As it stands it is 100 % pro business and NOT pro consumer. When I try to rent a house through a rental agency, they check my credit and I get denied often. I am basically limited to apartments, duplexes, and town homes because my credit score. This is very discriminating. Without knowing why my credit may look the way it does, I am denied access to a home and limited to multi occupant housing like apartments. I am not low income, just low credit score. Where I live, most apartments are for low income. When I do manage to find a place that will let me live there I call the utility company to get my services turned on. They check my credit too and based on the score will charge me astronomical deposits. They will base it on credit first, but then say it is based on the the previous occupants average usage. This is garbage. Again, I am discriminated against because of my credit score. My ex wife gets off scotch free. She never had credit. I did. So in divorce I was hit with everything. She did n't need to be part of the bankruptcy because she had no credit. When I go to get a new cell phone I have to pay a higher premium because my credit is low. I ca n't buy a phone for a reduced price because I have bad credit. This is basically the issue with all industries. Most can discriminate against me based on my credit score, which means I have to pay more than others because I had to file bankruptcy due to a nasty divorce. This also forces me to use other means to acquire cash to make big purchases. Those other means? Installment loans and payday loans. Some of the worst possible credit decisions you can make. They cost too much and have interest rates as high as 600 %. I got an installment loan for XXXX ... I have been paying for about 6 months now and I will still have paid them XXXX by the time I finish. That is n't include what I have paid in 6 months. So I get a small loan to make a purchase like tires for my car, or something else important and I am stuck in a financial XXXX because again, my credit score ca n't even get me a {$500.00} loan to rebuild my credit. Banks shun you! Please fix the American credit system so people like me do NOT need installment loans. We need to fix it so we can get rid of these evil companies.
06/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10012
Web
I am writing to dispute and provide evidence of a current false derogatory remark on my credit. Currently, there is a derogatory mark under the company NC FINANCIAL that has claimed and reported on my credit that there is a loan amount of XXXX with a XXXX past due amount in collections. These numbers are incorrect. The principal amount of the loan was XXXX and has been placed in settlement for the amount of XXXX. I have paid a total of XXXX to NC FINANCIAL since the principal amount was disbursed and have enclosed a payment history that reflects my payments. I have enclosed the documents with the correct information with this letter with notations identifying the original loan contract, the settlement documents, and the credit report with the false information. The credit company NC FINANCIAL had sold off this account to a third party agency during the time that I was diagnosed with XXXX and has reported false information. I had reached out to NC FINANCIAL when I had been diagnosed with XXXX as soon as the federal health department confirmed my XXXX results on XXXX XXXX XXXX, and NET CREDIT in response sent me a notification from customer support stating that my account would be pardoned as a pandemic relief for 90 days. However within these 90 days, they sold my account and falsely reported an outrageous collections amount along with a false past due amount. With this complaint I am providing the documents to show the contracted principal loan amount, a summary of my payment history, a settlement offer, and the current statements from my credit that shows what they have reported. I would like to resolve and clear this error. Also, I find it disheartening that NC FINANCIAL had notified me that my account would be pardoned during the time of my recovery from XXXX, only to then to force me into an expedited settlement during my vulnerable times with a third party they hired and then report false information. Not only is it insensitive during this time of a global pandemic, it is highly unprofessional and is an abuse of business practices. Additionally, I had reached out to NC financial on multiple occasions in XXXX and XXXX, and not only was I unable to get past the phone automated system to set up a payment plan with customer service, they also failed to honor 90 day pandemic relief. I reached out to customer Support via email on the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding a resolution for my account and to confirm my settlement offer and I did not receive any response besides automated messages stating that I needed to respond to the settlement, which I HAD. Also, mind you, this was all AFTER they had sent me a pandemic relief "pardon." All of my emails had gone ignored. Also, Regarding the false information reported by NC FINANCIAL to the credit bureau, I have emailed with supported documents on XXXX XXXX to have the false report corrected and have not yet received any response
07/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WI
  • 53218
Web
On XX/XX/2022, I received {$2700.00} from NetCredit in my bank account that I did not apply for. I called the company inquiring about the funds. I learned that on XX/XX/XXXX, an application was completed using my maiden name, an old address, an old telephone number, my social security number, my email, and bank account information for {$3000.00}. I received an emailed confirming that I was approved for {$2700.00} deposited into my bank account. The customer service rep informed me that I would have to file a police report for identity theft in order to refute the application. I told her that I want to give the money back because I didn't apply for it, she transferred me to a department that would allow me to do so, but after being on hold for 20 minutes, I hung up. I called again on XX/XX/XXXX, sharing the same information wanting to send the money back, I was placed on hold again, this time I waited for 30 minutes before I hung up. I called again on XX/XX/XXXX seeking to pay the money back but to also inquire about an email I received stating that my application with the same account number and application number as the approved application was denied. This time, to the rep, I stated that I would have my bank send the money back to them if I'm not able to give it back and that I'll report them to the police for entrapment because they wouldn't allow me to pay the funds in order to keep me in the contract and eventually having to pay the monthly installments. She also couldn't explain why I receive the second email that my application was denied. She transferred me and this time I waited an hour before it just disconnected the call. I called again today, XX/XX/XXXX, and for the first time, my number was recognized because before they couldn't locate my account because my phone number wasn't connected to the application and my name wasn't connected to the application. I always had to provide the account number in order for the rep to find my account. After I entered the last XXXX digits of social security number, I was placed on hold to be connected to a rep and after XXXX minutes, no one picked up. I hung up and called again, same thing happened. I haven't been able to speak with a live person since XX/XX/XXXX. I created an account online and have attempted to pay the loan, but when I clicked on " Make A Payment, '' I received the following message : Sorry, we are unable to process your request at this time. Please call us at ( XXXX ) XXXX for further details. With my husband, we launched our own investigation and found that CashNetUSA is affliated with NetCredit. This information is relevant because I have applied for payday cash advances from CashNetUSA, and the first time I did so, I was approved with the information that was used to apply to NetCredit. Based on the XXXX XXXX lawsuit when bankers were creating accounts using customers ' information, we believe a similar situation has taken place to explain how this happened to me.
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90292
Web
I am writing this letter to express my deep dissatisfaction and concern regarding the lending practices of Net Credit. I believe I have been subjected to predatory lending tactics, and despite reaching a settlement with Net Credit in XXXX, my payments have not been acknowledged properly. Additionally, I have been coerced into another agreement that I did not sign, further exacerbating my financial situation. Firstly, I must emphasize that I was involved in a settlement with Net Credit, that XXXX XXXX XXXX had made while working on my behalf ( please find settlement agreement attached ) Net credit agreed to a settlement in the sum of {$2300.00}. Of that settlement {$2300.00} has been paid to NetCredit which is not reflected on the balance shown on my credit report. The actual balance owed is {$26.00} ( please find proof of payments attached ) I lost the settlement in XXXX during the pandemic when a draft did not get processed while I was living in XXXX due to the pandemic. On my return I was informed the settlement was lost for the {$26.00} I owed. I did attempt to call Net Credit to reinstate the agreement to pay the balance of {$26.00}, but they coerced me into another agreement of {$2400.00} that I did not sign nor wanted to do, I hung up the phone due to the aggressive tactics. And yet they still did not acknowledge I had already paid {$2300.00} and will send the balance of {$26.00} to close this, saying that doesn't count anymore. Despite providing clear evidence of my payments, I have not received any acknowledgment or adjustment in my account, leading me to believe that Net Credit is purposefully neglecting to update my records accurately to hurt my credit and accuse more money out of me than agreed in XXXX. This not only creates undue stress and uncertainty for me but also calls into question the ethical practices of Net Credit. I demand the following actions from all credit reporting agencies : 1.A thorough investigation into my account to rectify the discrepancies in my payment records and provide an accurate account statement reflecting the payments I have made. 2. The removal of Net Credit on my Credit report with your agency An immediate termination of the unauthorized agreement that was forced upon me, along with the removal of any associated fees or penalties. 3. An assurance from Net Credit that no further unauthorized actions will be taken regarding my account, and that any changes or agreements will be made with my explicit and informed consent Lastly I will pay the {$26.00} which was the balance due on the settlement I agreed to on XX/XX/XXXX I expect the removal of Net Credit on my Credit report 30 days from the date of this letter. If my concerns are not adequately addressed, I will have no choice but to escalate this matter to relevant consumer protection authorities and seek legal counsel to protect my rights as a borrower. Sincerely, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX
01/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 43068
Web
I borrowed money from CashNet USA back in XXXX for I think XXXX. I did default of the loan. CashNet sent remaining balance to a third party collection agency in XXXX, XXXX XXXX XXXX. XXXX XXXX stated I owed XXXX. I set up a payment arrangement with them and paid of the loan in early XXXX. I received a letter from XXXX XXXX with the account number for CashNet stating the balance was now paid in full, owing XXXX. Thinking this loan has been satisfied, I have received at three different debt collection agencies stating I still owe. They threaten to serve me at work or at home. They will call multiple times to my spouse and family members trying to reach me. It is not until I actually speak with someone and explain the debt was paid and email proof to the collection agency, that I am believed. I have tried to contact CashNet twice to figure out why this debt is still out there. The first time a third party agency called back in XX/XX/XXXX, a rep from CashNet agreed the debt was sent out to XXXX XXXX and said I needed to speak to them because they must didn't send the paid in full information. I spoke to XXXX XXXX at that point who said it was taken care of. Then in XX/XX/XXXX, I received another third party agency stating the same : come to my house, come to my work etc. I emailed information over to this collection agency and was told they no longer had business with me and hung up. I called CashNet a second time in XXXX, the rep this time could only confirm that the debt had been sent out to a collection agency previously and had nothing to do with a collection agency collecting on a debt paid or not. Now yesterday, a third collection agency called XXXX XXXX XXXX, used a " independent '' contracting to call and harrass again me, husband and family to make sure I was home to give me certified papers. She eventually gave me the number to the 'filing party '' she was representing. I called XXXX with a case number of XXXX. The number belongs to XXXX XXXX XXXX. I spoke to a rep, XXXX, who pulled up my account said I owed for the same debt amount XXXX to CashNet. I again explained it was paid with XXXX XXXX. I gave him the account number and he said he was good and would send a note to CashNet. This should be the third note sent to CashNet that the debt is paid. I am at my wits end. XXXX XXXX said they received the debt in their office just 3 days ago. He could or would not explain how and where he obtained this debt, but did imply it starts with CashNet. I have tried calling them twice to no avail! I want this taken care of once and for all, but not sure who to contact to make collection on this stop. The rep I spoke with at XXXX XXXX gave me the documentation needed that states debt was paid off, she could not understand herself why the debt was still " out there ''. The second company I spoke to back in XXXX, I unfortunately don't remember who, but I do have the email I sent. It was sent to XXXX. Please help!
07/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • DE
  • 19977
Web
On XX/XX/XXXX at XXXX, I was sent a payment reminder in the amount of XXXX for an upcoming payment due on XX/XX/XXXX for my account. I responded on XX/XX/XXXX immediately stating that I was affected by COVID-19 and was asking for payment arrangements. -- My email stated " I'm still affected by COVID-19. I'm trying to reschedule the payments -- -- coming up on XX/XX/XXXX but keep getting kicked out of the system ''. On XX/XX/XXXX at XXXX. NetCredit responded confirming that they can definitely assist and asked me to answer a few COVID-19 questions. I responded answering the questions. I continued to receive collection email notifications on XX/XX/XXXX, so I contacted NetCredit asking why I was receiving notifications when I responded asking to be set up on a payment arrangement. On XXXX/XXXX/XXXX, Netcredit collections responded as follows " We have notated your account that you have been affected by the Coronavirus, which will be reflected in our credit reporting. The special comment code that reflects that you were impacted by a natural/declared disaster is neutral so it doesn't impact your score. It just lets someone looking at the credit report know that the payment history/account status may be due to your being impacted by a natural/declared disaster, therefore, may not have been able to make payments as scheduled. '' Netcredit also responded on XXXX with the following information " We are sorry to hear about the trying times you are experiencing. I have notated your account with the information you have provided noting the impact of the virus. This notation will allow us to waive any late fees you may incur and will be open on your account for the next 90 days. If your circumstances change within that period or if you are still impacted after 90 days please be sure to reach back out to us. on XX/XX/XXXX, I paid the past due amount of XXXX. On XX/XX/XXXX, I noticed the credit bureau was updated to report the payments in the payment arrangements as late. I sent an email to NetCredit reporting this issue. They opened a case with their credit bureau department. NetCredit requested to receive a copy of my credit reports which I sent on XX/XX/XXXX. NetCredit confirmed receipt. On XX/XX/XXXX, I received a response that they were not changing my credit report because the payments were late. I called NetCredit on XX/XX/XXXX and emailed them to advise that I didn't agree with the response and was asking them to only remove the reporting of the payments on those months since I was on a payment plan. I didn't want them to say I was on-time or late. Most other financial loan companies, didn't report any payments ( late or on-time ) if you were on a payment plan due to COVID-19. Their email clearly says that they being on the payment plan would not negatively affect my credit score and that they where only updating the credit report with a flag that I was affected b y COVID-19. .
12/12/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 914XX
Web
I first contacted XXXX on XXXX/XXXX/XXXX regarding a letter I received from them stating I had an account that was past due in the amount of {$1500.00}. I formally put them on notice I was disputing this claim and requested validation of debt. The first letter I sent was sent certified XXXX XXXX XXXX XXXX XXXX XXXX ) with signature required. The letter was delivered and signed for on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, 30 days after XXXX signed for my letter, I obtained a new copy of my credit report and noticed they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such, they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. I received no reply from XXXX to my first letter and to date, my most recent credit report dated, XXXX/XXXX/XXXX still shows that XXXX has not marked this trade line as disputed with the credit reporting agencies, a clear violation as mentioned above. I followed up with a second letter dated XXXX/XXXX/XXXX after receiving a letter stating that I had an account that was past due in the amount of {$10000.00}, almost one year after my first letter was sent to XXXX requesting debt validation. My second letter was also sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX/XXXX/XXXX. I once again requested debt validation in my letter and noted that my credit report has been negatively affected because of this reporting and they have continued to fail to provide competent evidence validating this debt with my signature. On XXXX/XXXX/XXXX, I received a letter from XXXX stating they were including a signed contractual agreement and payment history report. The " contractual agreement '' I received did not have my signature on it, only my name typed in the signature line, dated XXXX/XXXX/XXXX. Finally, I sent a certified letter to XXXX XXXX XXXX on XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX ), putting them on notice that the address furnished by XXXX on my credit report was inaccurate data as they provided a false address to reach them. It was only after my own research I was able to track down their correct address to begin mailing correspondences. XXXX to date has not acknowledged my complaint of this violation however, XXXX has updated their address with the correct one on subsequent credit reports. I continue to request and ask that since this debt can not be validated, this trade line be removed from my credit report and this creditor and the credit reporting agencies be held accountable to their clear violation of both the FCRA and FDCPA. Should you require any further information, please do not hesitate to contact me
01/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WV
  • 254XX
Web Servicemember
On XX/XX/2020, I took out a small loan from Net Credit who solicited me over 25 times to take the loan. My credit score at the time was around 640-660. I was told over the phone that my payments were going to be low and would have a good interest rate because my credit score was ok. After speaking with them they had me send some documents over and then told me the loan was approved and would be deposited in my account the following day. I went through a document that should my payment schedule if I made the payments on time when would my payment start to decrease. They told me all I had to do was pay a little more than the payment due and my payment would start dropping. The next day I pulled up the document they sent me to see exactly how many payments I will have to make. They also told me with each payment made on time it will decrease my percentage on the loan the more on tie payments I made. At the time I took the loan while I was not fully in my correct state of know-how and in some distress because the rush to get the loan accepted and done was the focus. In this mad rush, there was one page I did not recognize on the page was the interest rate buried I am large paragraph I verbally asked what was the interest rate they consistently told me b it could by 19-35 % based on my credit score. I didn't dig deeper since I knew my credit score wasn't bad so I could probably deal with the 19 up to 21 % and especially since my interest would go down as my payments come in, I would be ok even if I had to be in the hospital. I am XXXX XXXX and suffer from XXXX and XXXX XXXX, XXXX, and XXXX XXXX XXXX. The loan was for {$5000.00}. My monthly payments are {$290.00} so I figured about 20 payments. I was devasted and shocked that they had given me the loan at a 65 % interest rate!!! I never heard of anything so high in my entire life. I panicked and called them to ask them why was I at such a high-interest rate when my credit was fine. I told them I could not do this and could drop the huge devasting interest rate. I have been paying this bill since XX/XX/2020 at {$290.00} a month. I am terrified I can not fulfill this process on these terms with this astronomical huge unheard of interest rate. Someone told me it's illegal. I have been making payments for over a year and my loan is still for {$4900.00}!! I have paid them as of this date a total of {$3200.00} but they show I owe still the {$5000.00} just about. Please can you help they are taking full advantage of me because of an emergency? I would never have agreed to take the loan out if they would have verbally on the phone during our validation and loan info that I would be paying 65 % in interest. They never told me while doing the application over the phone that I would be subject to this fraudulent loan. Anything you can do to help I appreciate greatly. Thank you
10/05/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98178
Web
I was invited to apply for a loan by NetCredit XXXX, and on XX/XX/XXXX, I applied and I was approved for a line of credit of {$2800.00}. Those funds of {$2800.00} less the withdrawal fee of 10 % was sent and posted to my bank account on XX/XX/XXXX. When i signed up for the loan, I was under the impression based on the estimator that my payments would be {$210.00} monthly. I know that is high already in itself but i figured it would be paid faster and I did need it for an emergency. On XX/XX/XXXX I logged in to verify my payment due date and saw on my online account/dashboard my first payment would be due XX/XX/XXXX for {$210.00}, and then the next payment of {$200.00} on XX/XX/XXXX, and then the next one of XXXX on XX/XX/XXXX. From there it would be biweekly payment due that are just cents less than the month before. When i seen this on XX/XX/XXXX i reached out to understand these terms, and advised i hadn't even received a contract from them at that point and requested for one quickly. I have sent so so many emails for clarification or some sort of resolution, and it's always the same response that they can charge these rates because i signed the loan, and that it doesn't matter if their rates are nearly 400 %. The most recent email I received XX/XX/XXXX from NetCredit stated that they don't charge traditional interest. Instead they charge {$5.00} per every {$100.00}, and they call it a " statement fee '' that they apply every weeks when the payment is due. For me that would mean that by loan pay off date I would have paid them back exactly {$8800.00} for an initial loan of {$2800.00} based on their fee methods. I noticed in my loan agreement that the true lender or entity named in my contract anyways is XXXXXXXX XXXX and XXXX XXXX but it's in C/O Netcredit. It also included XXXX or XXXX XXXX and that entity was the name that appeared on the ACH deposit. Since receiving the loan on XX/XX/XXXX for {$2800.00}. I have paid back as of today XX/XX/XXXX the total amount {$420.00}, and current outstanding balance appears as {$3100.00}. I included all parties below. The bank appears as the entity involved or the contract pertains to ... NetCredit it the party I applied the loan with through their website ... and XXXX XXXX is who appeared on my bank account when i received the funds. I do not know what this complaint will do nor do I have any expectations to act as counsel, but I'd like to know if my complaint has merit so i can continue to look out for my best interest. Or if I have any protections under WA usury laws. Thank you so much for hearing me out, and my frustrations. XXXX Bank and XXXX XXXX XXXX Kentucky, XXXX XXXX XXXX XXXX XXXX, KY, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX NetCredit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, ( XXXX ) XXXX
10/03/2020 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
  • CA
  • 91387
Web Servicemember
NetCredit refuse to honor their agreement. I became quite ill and treatments were delayed due to COVID-19. To avoid defaulting I called NetCredit who set up a payment agreement to be paid off by certain date. I was informed that late payments or derogatory information would not be submitted to my credit report after paid in full. Loan was paid off earlier than agreement. Despite agreement NetCredit reported 30 days late on my XXXX Credit Report. I called NetCredit for resolution. The customer service staff had difficulty with understanding or handling this type of issue. Seem totally foreign to NetCredit staff. I spoke with XXXX ; thats the name she gave me. XXXX did not know what to do she left me on hold for long period. XXXX returned to the phone and told me that I would need to send NetCredit my Full credit report in order for me to be considered for having 30 day late removed. I ask XXXX why full credit report was needed? She was unable to answer. I called collections and the male rep who answered phone gave me the same lame answer and did know why my Full credit report is needed. I told him I could send the portion of the credit report that pertains to NetCredit but felt it was unnecessary, extreme and breech of privacy to send you my complete report. I asked NetCredit what were they looking for on my report. You have record that you sent this derogatory information to the credit bureaus. Why additionally, does NetCredit need me to go through the trouble to order a full history of my credit report. Im not applying for another loan and will never go through another one of your high interest loans. None of the representatives ; including a Supervisor was able to explain why it was necessary. I was given the feedback line as a means to escalate. A feedback line is not an XXXX XXXX to escalate a problem. Please look into this matter. This companys communication is very challenging. Information is not pass along efficiently or accurately. The left hand does not know what the right hand is doing. Im asking NetCredit to please consider removal as agreed. I have successfully paid off as agreed ; earlier as agreed. I do not feel I should be forced to give them my full credit report. Who does that? No other agency ask for these over the top prerequisites to be considered for removing derogatory information. I dont understand why this agency is so punitive with a client who was committed with paying them back their money. Despite illness and circumstance I made the sacrifice to make sure they were paid. I requested that they make good on their promise. I requested a 30 day late payment to be removed and their having me jump through hoops ; this process seem violating and just plain wrong. Again I should NOT be forced to pull a full credit report before NetCredit will even consider looking into this matter.
07/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the Better Business Bureau, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
01/09/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 36867
Web Servicemember
I expressed to you that I did not want to be contacted by you anymore. You have since called me twice and emailed me four times. According to, 15 U.S. Code 1692c - Communication in connection with debt collection, you are not authorized by law to continue any communication after I ask you to stop. you are not authorized to send any information to anyone about any transactions or experiences. Since, I see this in my consumer report from XXXX, XXXX, and XXXX, this is an error so would you be so kind to delete this account from my report. Also, under 15 U.S. Code 1692b - Acquisition of location information, when you called me a few days ago, your agent did not tell me who he was, he just repeating can I speak to XXXX XXXX. 15 U.S. Code 1692d - Harassment or abuse, the agent called and after I said hello twice he hung up and called right back. He never once stated he was on a recorded line or state his name. He harassed me by repeating my name over and over and never saying his name or why he was calling. After being irritated with him during the time he called me during my sleep, he said his name is XXXX then he hung up on me because he didnt want to talk anymore. I called back and the next agent did tell me her name and that we were on a recorded line, I told her to take my number off the call list and stop contacting me because I only deal with people who are respectful and have common sense. 15 U.S. Code 1691 - Scope of prohibition You can not charge me a high interest because of whats in my credit report. Also, you can not do it because of the color of my skin as this is discrimination. Please delete this account from my consumer report and clear the account from me owing anything else thanks! Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; You are reporting Transactions and Experiences and also, I did not give you permission to report this account on my consumer report.
07/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
04/29/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 74011
Web
I was sent an email on Thursday XX/XX/2023 at XXXX XXXX with the following information detailed below : Important Notification From CashNetUSA Customer ID : XXXX Past-Due Balance : {$25.00} XXXX, We are informing you that your debt ( s ) listed below will be sold to a third-party debt buyer on XX/XX/2023 unless you contact our Collections Department to set up an acceptable payment arrangement by XX/XX/2023 at XXXX XXXX XXXX. All payments must be received by XX/XX/2023. XXXX - {$25.00} Please also note that if any payments are returned or canceled and not rescheduled and received before XX/XX/2023 your debt ( s ) will be sold. To schedule your payment : Call us at XXXX or Email us at collections@cashnetusa.com If you have already set up your payment or believe that the information above is inaccurate, please contact us at the phone number below. CashNetUSA Collections Team Monday Friday XXXX XXXX XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX, Closed Sunday Phone : XXXX collections@cashnetusa.com I made a phone call to the collection phone number linked in the email. XXXX at XXXX. I spoke to a representative that verified that there was debt collection in the amount of {$25.00}. She verified my debt by looking me up in the system with my first name, last name, and last four numbers of my social security number. She informed me if I felt this was a fraudulent transaction that they would have to file a police report with me on the phone. She used this statement in an aggressive manner and as a scare tactic. I told her I had no hesitations reporting this activity to the police. But I first wanted to see the original agreement and transaction terms. I then told her that I wanted a copy of the original documentation and loan agreement. She then informed me she was not able to access that information. Then transferred me to a collections rep even though I had called the collections extension from the start. The collections representative then informed me she could not access the loan agreement or the original documents that pertained to the over due loan transaction. She told me she would have to have her manager email the information I requested. She then asked for an email address to send the information. I gave her my current email address. This email was not the original address used to email me the message listed above. She then asked if I wanted to move forward with filing a police report with them. I declined and told her not until I have the original loan agreement information in hand to verify the legitimacy of the debt collection claims. We then concluded our call and she told me as soon as a manager got her request they would email me my requested documents. I have not received the documents in any of my email mail boxes or folders.
10/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33312
Web
Subject : Urgent Request for the Removal of Inaccurate Collection Account - Immediate Action Required Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you today in my capacity as a consumer who has always maintained a perfect credit history. Recently, I received a concerning notification regarding a collections account that has been erroneously added to my XXXX credit report. The account in question is with " XXXX CASHNETUSA, '' and I wish to bring to your attention the serious issue at hand. Firstly, I must emphasize that this account does not belong to me. I have never had any dealings with " XXXX CASHNETUSA, '' nor have I ever authorized or initiated any financial transactions with this entity. Upon contacting " XXXX CASHNETUSA, '' they confirmed that an account was indeed opened using my Social Security number, but it was done without my knowledge or consent, and the account is not associated with my real name. This inaccurate and unauthorized account is not only damaging my previously impeccable credit history but also causing significant distress and concern. As a consumer, I understand my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and I firmly believe that I should not be held accountable for this fraudulent account. In accordance with the Fair Credit Reporting Act, I am formally requesting the immediate removal of the following inaccurate and unauthorized collection account from my XXXX credit report : Account Type : Collection Account Name : XXXX CASHNETUSA Derogatory Amount : {$2300.00} I would like to draw your attention to the following provisions of the Fair Credit Reporting Act, which support my request for the removal of this erroneous account : 15 U.S.C. 1681 Section 602 A : This section affirms my right to privacy and protection from false or misleading information on my credit report. 15 U.S.C. 1681 Section 604 A Section 2 : This section prohibits consumer reporting agencies from furnishing information about an account without the consumer 's written instructions. In this case, I have never provided any such instructions to include this account on my credit report. I kindly request your prompt intervention in this matter to ensure the removal of the erroneous collection account, " XXXX CASHNETUSA, '' from my XXXX credit report. This false information is causing undue harm to my creditworthiness and financial reputation. I would appreciate it if you could investigate this issue, communicate with XXXX and " XXXX CASHNETUSA, '' and take all necessary actions to rectify this situation immediately. Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue, which is of utmost importance to me.
07/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • WA
  • 98311
Web
I am writing to report a phishing attempt made by NetCredit that I suspect is trying to obtain my personal information fraudulently. XXXX XXXX XXXX XXXX - I received an email stating that I was being denied a loan I did not apply for. The email was from XXXXXXXX and said that my loan application with NetCredit was denied. The email also included my full name, current address, and recent credit score. I checked my credit report and saw that there was a soft credit inquiry from NetCredit but no hard credit inquiry. I went to their website and did a "Forgot my password" with my email address and was able to login to the aforementioned account and change the password. I then emailed XXXX to say, "I received an email declining my loan application. I did not apply for this loan. I was able to get into the account and change the password, but I would like this account deleted as I suspect fraudulent activity." XXXX XXXX XXXX XXXX - I received a response from XXXX: "Thank you for contacting NetCredit. This email confirms that you have contacted NetCredit regarding a claim of identity theft/fraud. We understand this is a serious, time-sensitive matter and will move quickly to handle the situation. Please be advised that before we can address this issue, you will have to file a police report with your local authority. Please notify your local authority to include your bank account information in the summary of the report. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well. Also, please provide a signed letter from you with your name, address, date of inquiry, lender name, and reason for removal. This information will be forwarded to the credit bureau in order to have the inquiry removed from your credit report. Please fax or email a copy of your police report and signed letter to XXXX or XXXX. Once we have verified the report, we will handle your claim within 5 business days. Please note that if we do not receive a police report within the next 7 days, your claim will be rejected. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX XXXX and Saturday - Sunday, XXXX at XXXX XXXX." I have not applied for any loan with this company and their request for bank account information seems suspicious and potentially fraudulent. To protect myself from potential identity theft or fraud, I have not provided any information to them. In light of this incident, I request your guidance on how to proceed further. I have preserved the communication I received from the payday loan company and can provide it if needed. Please let me know if you require any additional information or if there are specific steps I should take.
09/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77024
Web
I took out a short term installment loan with CashNetUsa to facilitate a small emergency. I In order to avoid excessive fees, I attempted to pay the loan off early, by debit card, the day before the first installment payment was due. I chose " Pay off outstadning balance '' option and made the payment. However, their website is dilibertly decitful in making the customer think they paid off the then loan when in fact they didn't. The pay oustadnding balance ( which all consumers would agree means the total loan balance due ) is not the total loan balance due. They calculate the payment with the CAB fee, and do not include the full principal, so your actually left with one more payment PLUS interest PLUS another CAB fee, even though in the contract it specifically states that if you pay the loan off early you avoid other CAB fees. They are dilibertly misleading consumers by using the term " Pay Off Outstading Balance '' so that conumsers think they are paying off the loan early and saving on the CAB fee, when in fact they have a small principal amout left, which will incur more interest and another CAB fee. For example, I took out an installment loan for {$800.00}. The day before the final payment, I choose " Pay Off Outstading Balance Option '', and paid {$820.00}. When you make the payment, there is no breakdown on the screen that shows what portion is going toward Principal, Interest and CAB fee, its just one lump sum that is auto-populated by the system. After making the {$820.00} payment, my account still showed an ACH for {$150.00} due the next day. Thinking this was automaticly done by the system, I contacted CashNetUsa via their chat option, and requested the ACH be canccelled. They confirmed and cancelled the ACH. If I had not logged back into CashNetUsa, I would not have knonw that the account was not paid in full. Once I logged back onto the system, I saw the same amount of {$150.00} to be ACH drafted in two weeks. I contacted several different members via the chat option on the website to ask why I still owed a balance even though I picked " Pay Off Outstadning Balance '' option and paid with a debit card the day before my first payment was due. All the customer associates I spoke with repeated that I still owed {$150.00} but would not tell me why I owed this amount, even though I picked " Pay Off Outstanding Balance ''. Until I examied the reciept I recieved from email did I not realize that the " Pay Off Outstading Balance Option '' did not include the full principal and none of the customer asstiance associates explained this as well.This is a flat out deceptive practice aimed at generating more interest and CAB fees from Users.
12/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37115
Web
On XX/XX/2022 Net Credit used discriminatory practices against me by denying me extension of my own credit. Net Credit was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of NetCredit monetized by securitizing the the application. Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. NetCredit did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated XXXX XXXX. Employees of NetCredit refused to admit that the application did in fact generate profit which is extortion. XXXX says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. XXXX fees are payments. The financial institution and the consumer reporting agencies are conspiring against any XXXX and/or XXXX ( the creation of the Creator ) to extort that XXXX or XXXX out of an extension of credit. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Risk XXXX XXXX XXXX to furnish information on the Original Creditor. When XXXX XXXX pay to report information that constitutes a breach of fiduciary duty. This means that XXXX is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
10/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • OR
  • 97402
Web Servicemember
We paid off our loan balance in XXXX and the company still doesn't have our updated balance of XXXX. We have spoken with the company and disputes department, and my wife gave the representatives permission to speak to our bank to retrieve financial information and net credit confirmed that the payment was made. I have proof of this confirmation via email and our previous bank statements. The initial response from a Net Credit representative is located in the attachment " XXXX email - Net Credit XXXX XXXX I have previously disputed this claim with the CFPB and Net Credit has responded with false claims ( located in " Net Credit 's False Claims.png '' attachment ). The company responded to my initial dispute with false claims, which came after I had received email confirmation from a separate Net Credit representative stating that my account was in fact paid in full and that the previous representative named XXXX had been " let go ''. The second email confirmation is located in the attached file named " XXXX XXXX Email - Net Credit XXXX ''. The company has responded with false claims pertaining to my submission of the proper documentation that proves the balance was paid in full. I have shared bank statements and a bank representative has spoken with the company to verify that the balance was paid, which is indisputable according to both emails. The company has also falsely claimed that I have been contacted by fraudulent collectors, which is not correct. The email address XXXX belonged to an employee that lost their job at Net Credit. I have been advised that my account will be taken care of. Due to a lack of communication and company oversight, I do not have faith that this will be resolved by the company alone. Given that the company has submitted false claims in their response to my initial CFPB dispute, they are now in violation of Title XII Banks and Banking 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Subpart B Rules for FDCPA Debt Collectors- 1006.18 False, deceptive, or misleading representations or means - ( d ) False representations or deceptive means. In this section of the United States Code of Federal Regulations it states, A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Given the previous communication with Net Credit 's representatives and the untruthful response to my initial CFPB complaint, it is apparent that my balance was paid in full, it has been verified by Net Credit, and that net credits claim against me is false, and now unlawful according to Title XII.
08/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 30189
Web Servicemember
In JXX/XX/XXXX, I had a family emergency that required financial assistance and I turned to NetCredit ( NC ) for assistance with a personal loan. My loan was approved, and I have made consistent payments on this loan for over a year. In this past year, my balance has barely changed. My loan was funded for {$5700.00}. As of todays date, my balance is {$5700.00}. I contacted NetCredit in XX/XX/XXXX to see if I qualified for any type of assistance with my loan. I was given a one-month deferral. My loan is now MORE than my original amount. I called again on XX/XX/XXXX and advised that I needed assistance and wanted to discuss any program options available to me. XXXX, from the escalation team spoke with me and advised the following : NetCredit does not offer any option to lower interest rates. An additional deferral could be offered, providing financial documents to ensure that I actually qualify for the assistance, however, this would only further increase my balance. Total interest at the end of the loan comes to approximately {$11000.00} There are several reasons that I am filing a formal complaint. First, I advised NC that I was experiencing a financial hardship and wanted to work WITH them in seeking a solution and I was told that the only option is a deferral, which would not assist me with the issues I am having. Second, I advised NC that I now live on a fixed income due to having a XXXX XXXX and other medical issues and there was no response from the representative. It seems that NC offers loans to people who are desperate and vulnerable, but offers realistic options for a customer who is making a good-faith effort to find an amicable solution. As a result of COVID-19, many other companies have come forward to offer assistance and work with their customers for solutions. It is apparent that NC has no interest in the well-being of their customers and cares nothing about the hardships people, like myself, are facing every day. I find that their interest rates are excessive and because of my change in circumstances, I am unable to make larger payments that would facilitate paying the loan off faster. I have advised NC that I may need to file for bankruptcy to which there was also no response. At this time, I am seeking assistance in communicating with NetCredit because I need to maintain my credit and want to continue to make regular payments. I do not believe that this is unreasonable and would request your guidance regarding the tremendous interest rate. It hardly seems fair to consumers, whom are facing challenging times, for this company to have such a disregard for sudden changes in circumstances.
11/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WI
  • 532XX
Web
I contacted the XXXX also goes by " XXXX XXXX XXXX XXXX WI, XXXX ''. It is also believed that they go by " Cashnet USA ''. A few months ago, I reached out to their customer service phone line and requested to have information relating to how much the remaining balance was for my loan. They said at the time I called that I owed {$780.00} dollars. The loan that I took for an emergency move into an apartment was for {$1000.00}. The term of the loan began on XX/XX/XXXX when I received that money into my bank account. Due to my limited income, I requested a reduced payment plan and the only way I was given the loan was to provide my banking account information upfront and to agree for deductions in the amount agreed upon prior to taking out the loan. I was in a desperate situation to avoid homelessness, so I was forced to accept this agreement. My personal bank was refusing to lend me any money due to my credit. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have made every payment on time as scheduled for the agreed upon amount of {$62.00}. This means that for 507 days, I have remained in good standing for paying off my loan. This amount of 507 days is equal to 1 year and 4 months worth of payments. The last date of my payment is listed as XX/XX/XXXX. This date is over 2 years after originally taking out the {$1000.00} loan. I, the consumer, believe that this is unfair treatment for someone who has paid off their loan on time for nearly 1.5 years. The consumer would like to have the remaining balance of {$660.00} ( as of today ) forgiven immediately. The consumer would also like the remaining balance of payments made beyond the cost of the principle balance refunded to him because it was not clear that the agreed upon payment would take over a year to pay off. The annual percentage charged was 148.09 % for the loan. Payments have been made on time on a bi-weekly basis. The amount of the loan on XX/XX/XXXX was {$1000.00} but the total amount I am expected to pay by XX/XX/XXXX will be {$3200.00}. This means that I as a consumer will have paid an additional cost of {$2200.00} despite making EVERY payment on time for a period of 507 days. The consumer was not properly informed that such exorbitant chargers would occur for individuals who made payments on time.The consumer believes that the additional cost should be refunded back to him upon the completion of the loan if nothing is resolved prior to the loan being paid in full.. The consumer believes that even if proper information was provided to the consumer, that such practices of market cost should be deemed as illegal.
09/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30024
Web
To start off, I applied for a personal loan of {$3500.00} on XX/XX/2022. This was an emergency loan because financials were tight for the time being and I needed some funds to cover me for a while. I was well aware of APR % and I was comfortable with it. I got prequalified and signed the agreement. They requested the necessary documents, which I have sent the very same day. Then I received an email stating to email my employer information ( name, address, number and occupation ). I already that information in my online account but, I emailed it anyway. I didnt email anything that would jeopardize my own identity and security. The next day, precisely in the morning, on XX/XX/2022, I then receive an email asking for recent bank statements. I sent those documents. I emailed customer service because for some reason, I am not given the option to speak to someone directly. Hours pass by and I received no responses. I emailed them asking if there are any other documents that are needed to further the loan processing further. No response. Instead Im getting multiple emails from two different addresses asking for my employer information again and again. Which is kind of weird and skeptical because what loan lending company sends from two different email addresses. They also asked me to email my bank statements when theyre already uploaded on my online account. For identity and security, it is clearly NOT safe to email bank statements when youre receiving emails from two different addresses, supposedly associated with the same company. So I didnt send anything else after that. Im currently waiting for responses or ANYTHING at this point. However, prior to these repetitive emails, I also received an email saying my documents were received and will be sent to the loan processing team. Some time passes by and no response from any of the emails I sent to customer service. I sent one final email stating I would like my application declined because I do not want to do business this company ( Net Credit ). There is no customer service and I have doubts of the security and professionalism. Also reading from past reviews from previous customers, it seems they also have had the same issue. I would be very displeased for my credit to be ran and dropped more than XXXX points after not getting any responses after my application deadline all because of this non-responsive and unreliable company. I have done loans with other lenders and it was always a smooth process and same day funding. And also always someone to talk to. Responses were QUICK!
07/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19711
Web
I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.
10/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 07960
Web
On XXXX separate occasions I have been given misinformation about the payment plan I have set up I received the loan in XXXX of XXXX. I signed a contract with the company for automatic payment to be deducted from my payment account. This is the same account the money was disbursed into. I provided bank statements to set up this payment plan. In XXXX of XXXX I checked my account to see that my payments had not beed debited and that I had accrued late fee penalties and had a balance over XXXX dollars. I spoke with a customer service rep over the phone who confirmed I had a payment plan.I asked her why it was not being debited she said " I do not know. '' I asked her if attempts were made and she said she could not do that. I cross referenced the date with my bank statements and saw no charges from NC Financial were attempted on the withdraw dates. I confirmed the bank account number verbally and she verbally read it back to me. I was told that the issue was resolved and if the issue occurred again I would be contacted. I paid the past due balance and late fees. In XXXX of XXXX I checked my account and saw that again my account wasn't being charged again. I called and spoke with another rep who told me she doent know why either. She confirmed I have a payment plan. I then read her the number. she said that the number was incorrect and off by one digit. I was then disconnected while attempting to set up a new payment plan. I spoke with another rep who helped me set up a payment plan. I asked why I didn't receive a phone call. She said that I wouldn't have unless the payment plan is invalid. I told her that it must have been invalid for months if the numbers were wrong. she said " oh yea ''. I then asked to speak with a supervisor about the late fees. This was on XX/XX/XXXX. She said I would receive a call in XXXX hours. I have reached out 4 times since over the phone and via email and they refuse to speak with me. I have been given contradictory statements and misinformation. My account number was confirmed as correct, then confirmed as wrong. It should be impossible for my bank account number to be inputed incorrectly given the fact that in order to disperse the initial loan I had to provide bank statements. The loan was dispersed to my account so they must of had the number correct. I was told I would receive calls about late payments, told this wasn't a company practice only emails, then told that they call if a payment plan isn't correct. This is predatory lending practices.
11/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30092
Web
I opened a netcredit revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted Netcredit to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and Netcredit was that no payments would be reported late once the contract was formed and executed. Netcredit breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid Netcredit each month on time yet Netcredit still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. I have contacted Netcredit on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to Netcredit deleted from all of my consumer reporting agency reports ( XXXX, XXXX, and XXXX ). Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.
08/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48371
Web
Please note, this is a resubmission as the company failed to address the primary point of my complaint in its initial response. There is nothing in my loan agreement that would indicate my first XXXX scheduled semi-monthly payments would be applied to interest only. The initial payment schedule I received when the loan was funded reflected payment allocation to both principal and interest beginning with the first payment. There is absolutely no accounting method that would show that I would need to pay over {$10000.00} in interest before my payments were allocated to principal as well as interest. This time, I would like to ask that both the company and the CFPB read the complaint and the provided documentation before a response is provided and my complaint is closed. On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.
11/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • VA
  • 243XX
Web Older American
I presently am trying to obtain a settlement from Cashnetusa in regards to a " on line " line of credit. I am ashamed to admit I was so vulnerable to ever use this company, but I have several times since 2015. I was working then, paid every bi-monthly payment via ACH debits from my bank. Paid the loans off several times, but things would get a little tough, and id go right back and borrow more .. I was sceptical about the loan, but was told it was much cheaper and a bounced check ..they never discussed their interest rates, I ask about set payments and how long to pay off the loan, was told payments would be small and could pay what I could manage until the loan was paid. I have never missed a payment In 5 years ... but..my mother has become very sick, requiring XXXX 3 times/ week ... Im XXXX years old, I have moved my Mother in to care for her, so I have no paycheck coming in, only my SS check .I called CashNet 1 week before my payment of {$450.00} was to be debited from my bank, I explained I could no longer pay those high bi-monthly payments .I also informed them, I had notified the bank to stop payments to Cashnetusa, I also changed by bank debit card. I informed Cashnetusa of this action. I ask cashnetusa to please settle this debt with me and close out the account .I have gotten so much run around and still have not been able to reach any kind of settlement. I called them this morning again, they explained I was not yet eligible for a settlement ..I ask what criteria they had to be eligible, ,but they couldn't give me an answer. I have paid them over {$1900.00}, just in interest and fees in 5 weeks, my loan amount was {$3000.00}, it's now {$3400.00}. They did say that I may be eligible for a settlement in 6 months .. I said, while interest is still accumulating and the answer was yes. I told her I would settle with them for the {$1900.00} that I had already paid them in interest over 5 weeks, but, ,they couldn't do that ... I really want to settle with them, but, I would really like to put this company out of business in Virginia XXXX They are getting their victims like myself, based on the need for money at the most vulnerable times ..I admit, I fell for this and used this company for almost 5 years..I have paid them thousands of dollars just in interest ..never missing a payment ... Now, I've had a life changing experience and ask them to please help me to settle this debt once and for all ..but..they say they can not, bc, I'm not eligible. Thank You
11/29/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23235
Web Older American
On XX/XX/2019, I spoke with a representative from CASHNET USA where I was informed there was an outstanding balance of {$360.00}. I informed the representative that I just started working again and asked whether I could split the outstanding balance. I was informed that I could. I agreed to make two payments - one on XX/XX/XXXX ( my first payday ), and the balance on XX/XX/XXXX. I also agreed to pay {$540.00} on XX/XX/XXXX. On XX/XX/2019, CASHNET USA sent me a confirmation email with incorrect information. ( See the message below which I cut and pasted. I will also forward the original message under separate cover. ) On Monday, XX/XX/XXXX I called CASHNET USA at about XXXX XXXX to say that their email had misleading facts and wrong amounts. The representative ( male ) stated he understood the error, he would bump the issue up to a manager/supervisor, and the manager/supervisor would be calling me back that evening. No one from CASHNET USA called me back. I called again on XX/XX/XXXX at about XXXX and spoke to a female representative who informed me that not only do I owe {$540.00}, but an additional {$180.00} along with {$360.00} were all to be withdrawn from my account on XX/XX/XXXX. I tried to impress upon the representative that I would need to get this matter corrected immediately especially since the withdrawal date would be the next day. The representative told me that the issue would be referred to a manager/supervisor and that person would be calling me back that day. Since I had not heard from anyone at CASHNET USA for several hours after my call, I called my bank and asked that an immediate HOLD be put on all payments from CASHNET USA. On XX/XX/XXXX the following amounts were withdrawn from my account ( I receive Social Security ) : {$540.00} + {$180.00} + {$360.00}. = {$1000.00}. I was also confused about the arbitrary amount of {$180.00} and what was that amount based on. How unconscionable was this act from CASHNET USA, not to mention how devastated I was on account of its actions? I would like CASHNET USA to ( 1 ) honour the initial payment arrangement, which is {$180.00} to be paid to them on XX/XX/XXXX and {$180.00} to be paid on XX/XX/XXXX. ( 2 ) Since all this money was incorrectly taken from my account, I could incur overdraft fees totalling {$140.00} and request CASHNET USA to accept the XX/XX/XXXX payment of {$400.00}. I have been in communication with CASHNET USA when I lost my job and I never shirked my responsibility towards these payments.
10/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 711XX
Web Older American
Started with payday loan where you could pay minimum each month and part of payment was applied to fees/interest and the rest to the principal. Cashnet USA notified me they had a new program of a Line of Credit " LOC So I signed up for it approx XXXX or XX/XX/2019 with a initial amount of {$600.00}. On XX/XX/2019, Cashnet automatically withdrew their " minimum '' payment of XXXX and applied it to the loan. Upon checking days later, I saw they did not apply any of that amount to principal all just in fees and interest and now have raised the minimum by almost {$100.00} dollars to {$210.00}. Also of note, I did not see until they sent me the " statement '' days later they had set their " interest '' on the loan at {$130.00}. So the obvious can be seen that they make sure the hidden interest is above the minimum payment so they can take all of your payment without applying any to principal and you never pay the loan off just get deeper in debt until you can't pay it off and then having received a large amount of funds from you they can sue and get an even larger amount with attorney 's fees. I am a paralegal and notary and have seen this type of onerous usury before. I know they must apply at least a minimum to principal and nowhere on their site did they inform the customer that your payment to XXXX " minimum payment '' will not be applied to any principal. I contacted them and they simply offered no explanation or assistance. They called me and the " base level '' customer service clerk just rattled on and on and asked me if I understand. I told them I basically heard what they said. They made no effort to adjust their policy and did not apply any of the first payment to principal. They also said they are charging interest on a daily basis. They also do not provide you notice of what your payment pays before they withdraw it from the bank so you do not know what you owe until after they take money. And after that, you still don't know what you owe, where it will be placed. They said that first payment was {$90.00} for fees but never said WHAT fees. When you asked them questions, they just rattle a plethora of numbers with no meaning but never change a thing. This is a financial black whole. I will continue to file complaints until this company acts financially responsible. I WILL ALSO NEVER USE AND WILL ENCOURAGE everyone I know to never use CashNet USA 's products because they are financially irresponsible and their avarice is unacceptible in America.
10/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • VT
  • 054XX
Web
I had a line of credit with Cashnet USA with a limit of {$2000.00}. From XX/XX/2018 to XX/XX/2018 I took out advances and made payments on this line of credit. The total of the advances was {$2500.00} with associated fees of {$250.00} and interest {$360.00}. Therefore I owed Cashnet USA a total of {$3100.00}. Over the same period of time I made payments totaling {$3300.00}. Thus I overpaid Cashnet USA {$190.00}. I have requested a refund in the amount of {$190.00}. I called Cashnet USA on XX/XX/2018 and was told that I would be given a detailed summary of my account transactions within 2 business days. On XX/XX/2018 I had an online chat requesting the details since I had not had any confirmation that the request was being processed from my XX/XX/2018 phone call. I received an email on XX/XX/18 that I would receive the information requested within 5 business days. On XX/XX/2018 I requested an update on the request via email. I received the breakdown report later that day on XX/XX/2018 from XXXX XXXX. The last three payments on the report stated the following : " On XX/XX/2018 we received a payment in the amount of {$400.00} On XX/XX/2018 we received a payment in the amount of {$600.00} On XX/XX/2018 we received a payment in the amount of {$170.00} '' All other payments on the report during the time period XX/XX/2018 to XX/XX/2018 were broken down in detail showing how much went towards fees, interest, and principal. '' On XX/XX/2018 I requested detail on the last three payments. On XX/XX/2018 I received a new report stating that the payments received on XX/XX/18 and XX/XX/2018 were applied to principal. I did not have a balance due to Cashnet on XX/XX/2018. I tried three times to get resolution over the phone on XX/XX/2018 ( I was told once by a representative that there were hidden fees and interest, the second call was disconnected when I asked to speak to a manager, the third call told me that this request was escalated to a manager however there was not a manager to speak to at that time ). On XX/XX/2018 I called the collection department of Cashnet hoping that a manager would be present, I spoke to XXXX. She was great and told me she would investigate and call me back. She did call me later on XX/XX/2018 and told me that I have overpaid and possibly it was more than {$190.00}. The lack of clarity on how my payments were applied and the conflicting statements stating I did not have a balance but still owed payments are very troubling to me as a consumer.
01/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 902XX
Web
I had a load with Netcredit. I was overdue for XX/XX/XXXX installment by partial amount by {$220.00}. I paid that along with current installment for XX/XX/XXXX on on XX/XX/XXXX. In worst case i was 17 days overdue for {$220.00} as of XX/XX/XXXX. But Net credit immediately reported that as 30 days overdue for XX/XX/XXXX payment which is current month. I had 5 years and 10 months continuous streak zero missed payments in my credit report for 23 plus accounts with FICO credit score in upper Fair zone. With this falsified information the credit score went down to poor region. For my job scenario there is a background check going on. It failed as i had poor score ( Minimum they expect is fair ). I called netcredit and they ask me to send the credit report page. I sent the page for whatever they have reported. Then i called multiple times. They request for credit score page. I sent the experian extract for day before they report and day they reported which showed clearly the score went down because of them. I also called the customer support and confirmed they have all information to proceed with tier analysis. I also informed them the importance as this hurts my profession. after nearly 7 calls in 3 days when i called yesterday they said they are waiting for 90 plus page XXXX report ( full ). I don't know why they need it. Then i sent the full report both for the day before they reported and report for the say they reported with only their wrong information reported impacted. I was told i will get a response in one hour. When i called after a couple of hours later it is closed. When i called today morning first they mentioned it is different department working on that, they spoke to their manager and i will get a response before EOD. I sent a reminder in noon as i am desperate. When i called in evening they started again from zeroth call. They told it will take 7 days and all the 10 plus calls i made people provided me wrong information. When i asked how come some one says particularly i am running in minutes the representative says i am cursing them when i asked why it was misinformed. Then i asked can speak their manager i got blunt response they are not there. Literally the customer support specialist says it is your problem and not their liabilities. Worst thing is i paid nearly 35 installments for them and paid nearly more than 200 % of the principal. Never missed a payment by 30 days. And this is the response i get we report anything that is your problem.
02/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 22191
Web Servicemember
Today I called CashNetUSA, concerning my loan and the interest they are charging me. I called CashNetUSA and spoke with XXXX concerning my situation. I told her I had been a customer since XXXX, never been late, and only have missed one payment my entire time being a customer. The {$450.00} coming out of my check from CashNetUSA bi-weekly, is killing me and would they please consider lowering the interest so that I can afford to pay back this loan. I even asked to not give me borrowing privileges and make arrangements to pay $ XXXX monthly and to pay off the balance of {$3600.00}. XXXX informed me that she appreciated my business and longevity as a customer but the best that she could offer me is -- to skip my payment tomorrow and put it on the back end in four separate payments. To break it down, cancel my payment for XX/XX/XXXX and change the next four bi-weekly payments to {$560.00}. I asked how is that helping me?? She said that CashNetUSA does not lower interest rates under any circumstances nor do they reduce payments. She said their annual interest rate is 299 % yearly! She stated the only way that I could possibly get help is if I was in the Military. I would like to make a complaint under the Predatory Lending and Unfair Credit Practices I feel CashNetUSA targeted myself as a minority, and less educated on the lending process. They also preyed on my also credit situation and problems. I also feel they failed to disclose information and disclosed false information, and practice risk-based pricing and inflated charges and fees. They also misrepresented the true costs, risks and/or appropriateness of my loan terms, and the their changes to the loan terms after the initial offer. I want to pay back this loan and keep my good standing with CashNetUSA however, I am asking the Consumer Protection Board to step in have them settle my account and set up payment arrangements with me on the balance due with no additional interest, fees, or charges to me, or my account with them. I want to pay {$250.00} a month for 14 months with a final payment of {$190.00}. Being a customer since XXXX, CashNetUSA has received their balance plus interest more times than enough from me. I have fulfilled the terms of the agreement and the company repayment structure doesn't allow pay down my balance timely or fairly. The total amount I have paid is more than 3 thousand over the course of time and I am your seeking help to close this matter to protect my credit and well being.
01/04/2018 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 22031
Web
In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.
06/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MI
  • 480XX
Web Servicemember
Netcredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked Netcredit who loans money through many out of state banks to allow me to lower my interest rate to the appropriate SCRA rate of 6 % or 36 % out of state lending cap and sent them my XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent interest before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. XXXX. The 36 % Rate Cap Today A. TheDeregulationoftheXXXXandXXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over XXXX jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.
02/14/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89103
Web
I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.
10/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02860
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
05/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MI
  • 480XX
Web Servicemember
NetCredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked NetCredit who loans money through many out of state banks such as XXXX XXXX and Enova, etc. to allow me to lower my interest rate to the appropriate SCRA rate of 6 % and sent them my XXXX XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. III. The 36 % Rate Cap Today A. XXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over 35 jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.
01/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • KS
  • XXXXX
Web
This company continues to pull my credit and sell my information to other companies as an applicant for payday loans. I've called them countless times to try to remedy, they give me the run around, make me jump through hoops or never return my calls or emails. This started in XXXX of XXXX and still continues. I've called XXXX and was told to send in paperwork which I sent several times. When I call a few days later to confirm the documents are received, the representatives will tell me more documents are needed to remove the inquiry from my report. On XX/XX/XXXX I called because a rep told me on XX/XX/XXXX a XXXX would call me back and never did. XXXX put me on hold for XXXX minutes and then hung up. I called back and a man who would not give me his name claimed he was messaging with a XXXX and hung up. A woman named XXXX called me back and said they did receive a police report but now a signed form was needed. THEN she said the police report was no good because they did not put my full bank account number on it. Which she already knew they would not. She keeps giving excuses for why they won't remove the inquiry. She then brought up more documents needed after I've sent them several times. She promised me a call back and never did. On XX/XX/XXXX XXXX said she would have a XXXX call me back then hung up on me. Called back and talked to XXXX, he said they they have notes a XXXX will call on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX but he saw no notes that a XXXX ever did. Which means all the months before that, they never told a manger to call back. He said the theft department will not speak directly with clients. I asked him how I am supposed to remedy this. He had no idea. I finally received a call from XXXX in the XXXX XXXX. She said they have everything they need to move forward. She said they will complete an investigation by XX/XX/XXXX and I will receive an Email with their conclusion. She advised they will cease giving out my information as a party interested in getting a loan too. None of this has stopped. I continue to get calls constantly from numerous companies advising they receive information from NetCredit that I want a payday loan. I was promised in XXXX this would be removed from my credit report and it's still on there. They are still calling me daily and several times a day about predatory loans. I need my phone for work and the calls are very disruptive.
02/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • VA
  • XXXXX
Web
I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. XXXX HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX WHICH IS ON MY XXXX CREDIT REPORT SINCE XX/XX/XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT XXXX INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX OVER THE INTERNET IN XX/XX/XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.
07/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TN
  • 37334
Web Older American
I guess the sales person was so positive in getting me to take the loan, I ignorantly did n't read the fine print of the XXXX. Of course they told me they were moving to these things called " Flex Loans '' due to possible future legislation over payday loans. Well having XXXX ( I have XXXX XXXX insurance policies that are about good for nothing I 've learned ), I needed money fast because many dentists now expect payment up front and will send you any insurance reimbursements that come through after the work is done. I 'm a somewhat typical American living on {$23000.00} a year at age XXXX after a XXXX put me out of a XXXX a year job for 9 years and now nobody wants someone that long out of work and at my now obvious age. Anyway, I took the loan to help pay for the dental repair, but by the XXXX statement, I was in for a shock. This company, CashNetUSA sends a monthly statement, wherein, for example, the statement last month showed the principle owed on this {$800.00} loan was NOT listed ( except as a total so far for all payments made ), the interest due for this month was listed as {$13.00} ( HOW do they arrive at that when also claiming on this statement the annual interest rate is 275.85 % ), and then there is the monthly ( what they call ) " loan fee '' which for the month in question amounted to an additional {$140.00}. What in the world is a " loan fee? '' Just a fancy name for the rest of the interest they charge? The total monthly amount due was {$190.00}. Now this " loan fee '' thing is indeed a monthly charge. What exactly is it? Also, it seems the more I try to pay off what I owe, the deeper in the hole ( a little at a time ) I seem to be getting. What is this " wonderful '' new alternatative to payday loans except a way to avoid upcoming legislation regarding the way pay day loans loach people deeper and deeper into poverty, AND a new trick loan idea for the seriously underpaid of the " new economy. '' You know, the one where if we pay the super rich more, they 'll turn around and " share the wealth '' with us. Ever known a Republican willing to " share the wealth? '' Me either. Is what they are doing legal? Is the way they are doing it legal? This " Flex Loan '' thing seems to be growing like a cancer but on my wages, with my bill and family responsibilities, get a standard consumer loan? Forget it. Thanks for any help
07/26/2017 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
  • NV
  • 89103
Web
This is a copy of my BBB complaint which I filed on XX/XX/XXXX of this year : Over a week ago, I let this company know that my pay dates were changing. They asked me to send a copy of my last two paychecks which I did after I got paid for a week on the XX/XX/XXXX. I let the company know that I only was paid for a week on the XX/XX/XXXX and that my full two week paycheck would be on the XX/XX/XXXX. I received an automated response stating that someone would get back to me. I waited and then tried to get onto their website to double-check the date. I could n't get on on Sunday ( I do n't know what 's with their site, it only seems to work on certain computers but that is another issue ) and checked the site on my way to work the following Monday. It still had the old due date on the site. I sent a comment to the company stating my displeasure with the change. I have used this company for awhile now and have never had an issue with them until now. Later that day I received an e-mail that stated : " Thank you for choosing CashNetUSA, America 's trusted online lender. We have received your request. This email is to confirm that your pay frequency has been updated to biweekly, beginning XX/XX/XXXX. To adjust your due date, please respond to the following as soon as possible. '' I sent a response the same day then inquired about refinancing. I did not receive a response on that subject but when I went to the site to check my options, it allowed me to schedule a payment for XX/XX/XXXX. I did a refinance but the due date showed as the XX/XX/XXXX but I assumed this was an error due to the response I received on my e-mail. However, when I checked my bank account this morning, I show a withdrawal for {$270.00} which I do n't have and this is the sort of trouble I was trying to avoid by letting the company know in advance the change in my pay dates. Since then, I have had two e-mails from their collections department regarding my failure to pay on the due date ( XX/XX/XXXX ). The first one was this Monday and I explained that I had filed a complaint with the BBB regarding this incident and the second e-mail was today ( XX/XX/XXXX ) stating that my account was past due and I need to make a payment as soon as possible. Clearly they have ignored my complaint to the BBB just like they ignored my informing them of the change to my pay days and I am not happy.
08/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IL
  • 601XX
Web
I applied for a loan with XXXX, XX/XX/2018, in the amount of {$2000.00}, through XXXX XXXX who suggested them through prequalification. I went through the process, providing this company with my bank login credentials once my banking information was entered ( populated my bank login with bank logo ), though I thought this was odd for a lender to request. Within about an hour I was denied. An account was created on their website for me, and I wanted to delete it since I would not be a customer due to their denial, which they cited as being because of " Unacceptable Bank Account History. '' I could not find a way to delete the account on their website, so I called them. A rep told me that they can not delete the account. I asked to speak to a manager, and was put on hold. The rep came back and asked before I speak to a supervisor, did I have an account that was not a " prepaid '' account. I told her that my checking account was not a prepaid account. It is a checking account that I've had for 3 or 4 years. She said it showed that it was a prepaid account that I had had less than 30 days. I assured her this wasn't true. I then spoke to XXXX, a supervisor. She said they can not delete the online account, due to federal regulations. Doesn't seem legal to maintain a login on their site for someone who isn't a customer. She didn't even know how long the account would remain on their site. I need this account deleted. I then asked her why they flagged my account as a " prepaid '' account. She then stated very plainly, that that isn't the reason I was denied the loan. She stated it was because of who I banked with. XXXX XXXX. That they don't " work '' with XXXX XXXX. I asked why that wasn't disclosed prior to me applying, which affected my credit. It isn't on their website. Nor did it keep me from applying once my bank info was entered. She just stated there was nothing she could do for me, " sorry. '' She went on to say if I had another checking account with at least 31 days of activity, they could try to get me approved. I was only denied because of who I have a checking account with. I would not have had my credit dinged with an inquiry had I known, or their website declined my input once my bank was identified on their website. I need the inquiry removed from my credit, and I need the account they created on their website removed.
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33570
Web
Netcredit took part in Identity THEFT by giving person ( s ) a loan under my name without verifying income. Netcredit 's website clearly states they " require that you have a verifiable source of income. '' I was in a major car accident where the vehicle flipped with me 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Starting sometime mid XXXX around XXXX I started receiving emails from NetCredit/XXXX XXXX XXXX Seeing XXXX XXXX I assumed they were spam similar to the XXXX XXXX we all know about, but around XXXX I realized I was wrong about the XXXX because they took money {$150.00} from my bank account. I contacted them and they told me I applied for a loan in XXXX and it was given to me. Netcredit 's website clearly states they " require that you have a verifiable source of income. '' I haven't been able to work or have a steady stream of income in almost 2 years due to the accident, no way I would qualify for a payday loan without a job. Netcredit took part in my Identity THEFT by giving person ( s ) a loan under my name without doing their job and verifying income. Now they are destroying my credit by reporting false material to the credit bureaus. Can I Sue them? Obviously, they did not do their job by not verifying income. All it takes is a single phone call to job on the application. They are destroying my credit, by reporting multiple times a week a new loan or increasing the amount of the loan on my credit reports. in 2 weeks my score has dropped about 150 points. And loan increased by {$500.00}. Obviously, including being part of the XXXX breach I must have had some sort of virus or malware that allows remote desktop connections on my pc which I keep on 24/7 because I went through something similar with XXXXXXXX XXXX XXXX signature credit card, but they were able to see and fix the issue asap. Netcredit security isn't up to par. But this could have all been prevented if they verified a source of income like their website states they are REQUIRED to do. Call the job on the application and ask if a XXXX works there... they could have ran a background report and see I did not have a job.
12/01/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 23666
Web
I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.
10/28/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 751XX
Web
1st ) XX/XX/XXXX I received my first letter from a company called Cashnetusa.com regarding a cash advance that I never took out, for {$300.00}, due XX/XX/XXXX TEL : XXXX I immediately called the company and told them that I never applied for a cash advance from the company & I have never heard of the company until I received the letter from them. They told me to file a police report to prove that it was identity theft and fax them the police report, which I did. 2nd ) XXXX XXXX, XXXX I received my second letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX. TEL : XXXX I obtained a police report as requested on XX/XX/XXXX Faxed police report to Cashnetusa.com on XX/XX/XXXX 3rd ) XX/XX/XXXX I received my third letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL : XXXX 4th ) XX/XX/XXXX I received my fourth letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL : XXXX 5th ) XX/XX/XXXX I received my fifth letter from Cashnetusa.com for a settlement offer for {$230.00} due XX/XX/XXXX TEL : XXXX 6th ) XX/XX/XXXX I received my sixth letter from Cashnetusa.com for a settlement offer for {$150.00} due XX/XX/XXXX TEL : XXXX 7th ) XX/XX/XXXX I received a letter from a creditor company called XXXX XXXX for {$620.00} ( No due date ) TEL : XXXX 8th ) XX/XX/XXXX I received my first letter from a company called XXXX XXXX XXXX XXXX XXXX for {$230.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 9th ) XX/XX/XXXX I received my 2nd letter from XXXX XXXX XXXX for {$300.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX XX/XX/XXXX XXXX XXXX XXXX , an identity fraud support caseworker from a credit monitoring company called XXXX XXXX contacted Cashnetusa.com with me and we spoke to XXXX XXXX XXXX who asked me some questions regarding the cash advance. She asked me if my birthday was on XX/XX/XXXX, I told her no. After I clarified my correct date of birth with XXXX she told both XXXX XXXX and I that she would close the case against me, due to the fact that the person who took out the cash advance had a different birthday from me. 10th ) XX/XX/XXXX I received my 3rd letter from XXXX XXXX XXXX for {$98.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 11th ) XX/XX/XXXX I received a letter from XXXX XXXX , Wage Garnishment Division, Restitution Amount : {$690.00} & Garnishment Amount : {$2000.00} due 10 days of the date of the letter TEL:XXXX
09/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33578
Web
Two months ago I paid a large payment IN ADDITION to my normal monthly payment as instructed by customer service. I called them in advance to determine how to make a payment to pay down my principal balance. Most personal loans I've had allow you to dictate where your extra payment goes. I specifically asked if I could pay down my principal, I just want it to go against principal - and the customer service agent stated that it would if I made it the same day as my normal payment ( which goes against interest and principal ). When I made the payment, my principal balance did indeed reflect the additional payment of {$750.00}. But a week later, I saw that NetCredit recalculated the payment split and showed only 300 going to principal. I reversed the payment and NetCredit showed my principal way higher than it was before I made the extra payment! That is not correct. I made my payments as agreed. Interest was already paid that was calculated at the beginning of the loan. My extra payment, paying more than {$400.00} in interest means that the next several payments, MORE should be applied to principal because I've paid at least 6 payments worth of interest in that {$400.00}. NetCredit did not agree and said, they determine the split and they determine how much goes to interest owed. Again, I NEVER paid the extra payment, NetCredit would not have received EXTRA interest paid. You can not charge me more interest than you would if I paid every month on time through the life of the loan. And you should not take advantage of a hard-working XXXX XXXX XXXX trying to better her credit and credit standing. I tried to request that NetCredit send me everything that showed how they calculated what goes to interest and what goes to principal each month and show me how my payments were distributed. They first sent me gibberish, and then they finally sent me the amortization schedule. But the amortization schedule DOES NOT match the actual payment schedule. Nor do the principal balances on both documents match and they should! I also have the right to pay toward principal only and not pay the company additional interest they are not entitled to earn off of a " PRINCIPAL ONLY '' payment! This type of process is predatory in nature and does not allow the consumer/borrower in good faith to pay this loan earlier. Period.
10/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 326XX
Web
This is the entire email exchange : XX/XX/2023 Dear XXXX, Thank you for your recent application for credit services from CashNetUSA and a loan from XXXX XXXX XXXX XXXXXXXX You applied through one of our marketing partners who referred your application to us. Your request was carefully considered, and we regret that we are unable to approve your request. Reasons for Denial of Credit Your recent application with CashNetUSA was not able to be processed due to the following reason ( XXXX ) : Applicant is ineligible to apply due to previous applications/ loans with CashNetUSA If you have any questions regarding this letter, you should contact CashNetUSA, or XXXX XXXX, care of CashNetUSA, at : CashNetUSA Customer Support XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com My response : I never applied for anything with you or cashnetusa. I will be reporting this fraud to the FBI fraud division. Thank you for your most gracious attention in this matter, XXXX Kat Their reply : Dear XXXX, Thank you for contacting CashNetUSA to report a claim of identity theft/fraud. Please be advised that before we can process your claim, you must file a police report with your local authority. Please ask your local authority to include the XXXX XXXX XXXX XXXX. bank account information that is listed on the application in the summary of the police report. If you do not have the bank account information please contact our Identity Theft Department at ( XXXX ) XXXX. Please note that if we do not receive a police report within the next XXXXeven ( 7 ) days, normal collections activity may begin on your account if a loan has been issued. Please fax a copy of the police report to ( XXXX ) XXXX, Attention : Identity Theft Department or email us at XXXX. Once we have verified the report, we will process your claim within XXXX ( XXXX ) business days. If you have any questions or concerns, our fraud team is available XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX to help answer all your questions via phone or email. CashNetUSA Identity Theft Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com Address : CashNetUSA XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX
02/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 667XX
Web
I would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.
10/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 344XX
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
07/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NC
  • 28314
Web Servicemember
Per my contract extra payments can be made towards the principle, you must contact them to let them know that is what you're doing. I did that and I sent 2 payments in XXXX totaling {$450.00}. I did not have a Jue payment, my next payment was not until XXXX. Instead of putting all my money towards the principle, my payment was applied to XXXX 's payment which I did not ask for them to do because that meant some went to the interest. I called and inquired about it I was told that any payments would go to upcoming payments first but I had no payment due in XXXX. according to my contract, it does not state that unless there is a payment due which one was not for over a month. Then I was told it didn't go straight to the principal because it was not made on the actual due date of the original payments. Not only does that not make any sense it does not state in my contract that it has to made on the due date in order for it to go only to the principle. I told the person that called me I want all my money to g to the principle ad put my account back that I have still a payment due in XXXX instead of XXXX. I was told I would have to set up an automatic payment but that would still leave my balance over the actual amount it should be. Net credit states one thing in your contract and when you call they state something different. I told them I have a legal contract and nowhere in it does it state that when I call I will be walked through the process ( there's nothing to be walked through ) nor does it state in the contract that it will be applied to the next month 's payments, nor does it state that the extra payments have to be made on the contractual date in order for it to go to the principle only. My current balance should only be {$1000.00} which is the amount after I made the 2 additional payments. My next payment date should be XX/XX/XXXX NOT XX/XX/XXXX and none of my money should have gone towards the interest. I followed the instructions of the contract and informed them that the payment was coming and where I wanted it to go. If you pay only on their terms you will be paying back 3x the amount you actually borrowed. Also, net credit advertises no credit check but I have a hard inquiry on my credit report from them that I want to be removed.
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 357XX
Web
I filed bankruptcy on XX/XX/XXXX. Netcredit or NC Financial was included in the debtors listing and was notified by several methods by my lawyer. During the entire bankruptcy process netcredit continued to report the account as a charge-off and a collection. My bankruptcy was discharged on XX/XX/XXXX. I tried disputing the account multiple times through all my credit reports and they all returned that netcredit verified my account as accurate. This was a deliberate lie. I tried contacting netcredit myself on several occasions though email and they finally responded and said that collection efforts would continue. Once I received that email, I contacted my lawyer again. My lawyer reopened my case and filed a lawsuit against netcredit for violation of the Discharge injunction. Once this happened, my lawyer could not even get netcredit to respond to her. No one ever once contacted her back, nor did they show up to court on XX/XX/XXXX and Netcredit was found in contempt. For the sanction hearing, once again there was no contact from netcredit and no one showed up to court. Accordingly, the Court entered an Order : ( 1 ) Holding NetCredit in Contempt Pursuant to 11 U.S.C. 105 ( a ) ; and ( 2 ) Scheduling Hearing on Sanctions, ECF No. 24. entered on XX/XX/XXXX. As of today, this company is STILL continuing to report this account as an account in charge-off and collection status, multiple late payments, reporting as derogatory and stating that it was sold to another lender. There is no other lender that holds this account because they would be violating my bankruptcy rights by reporting. I have been fighting this company for a year now, post bankruptcy filing and they do not care at all about violating any laws. I am about to file another lawsuit with my lawyer and I want the entire account removed from all my credit reports as they have greatly harmed the fresh start I was promised. Not only do they not care about consumer credit reporting laws, they are predatory lenders that charge extremely high interest rates, exorbitant fees and keep adding them on despite closing the account and will not provide any documentation. I want it all removed from my credit reports and I never want to hear from them again.
11/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit limit changed
  • MD
  • 21207
Web
On XX/XX/XXXX, i applied for small line of credit and was approved for a {$700.00} line of credit, with {$150.00} interest, {$850.00} was paid back, i never had issue with the loan company, I've been nothing but a good loyal customer to this loan company, we're on XX/XX/XXXX and if i lasted that long with them it's because of my loyalty, but i realized that my loyalty and kindness were taken for weakness, on XX/XX/XXXX i requested {$100.00} increase on my credit line, {$800.00} comes with an {$200.00} interest, {$1000.00} was paid back, i was rarely withdrawing money from my account unless i have an emergency, and i remember that i was planning to close this account forever, in XXXX i did talk to an agent about closing the account, but i was told on the phone that i don't need to close the account since there is no fees associated on keeping it, they convinced me that i should keep my account opened since i have nothing to lose. The most mistake that some loan company makes is thinking about themselves first, how much they could benefit from you ( which i understand, that's how they make their living ), but sometimes they're doing too much, i mean really too much, they'll make up some interests and fees, only to keep you on hold, and make sure you won't be able to pay off so they can benefit more. i came to notice a huge amount of fees interest charged to my account, and i really did not know where is coming from, my credit line was automatically increased to {$900.00} which i never asked, why increase the line without consulting me first, this is an absolute fraud, a perfect robbery. the only answer i got on the phone is i was qualified for automatic increase since i'm a good customer, they did not realize that they turn a good customer to a bad one. because i called my bank and blocked them, on the app it says {$800.00} credit limit but as i investigated in my statement, i see {$900.00} credit limit, i knew that {$800.00} credit limit can not generate those fees and interest even thought i withdraw sometimes. I think they're the one who owe me for overcharging me for a credit line that i never ask, in top of that i've been harrasse by phone for payments which they should be responsible and owe me.
08/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97504
Web
I obtained a loan in XXXXXXXX XXXX from NetCredit, at which time I signed a contract for a loan amount of {$8500.00} with an APR of 64.69 %. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( serviced by NetCredit Loan Services, LLC [ NetCredit ] ) advertised a refinance eligibility option, which I discovered does not apply to XXXX residents. At the time I signed the contract, I was unaware that XXXX has a maximum interest rate of 36 %. Further, there is no record of XXXX XXXX XXXX XXXX XXXX XXXX in the NMLS database ; NetCredit results include addresses in Utah and Illinois. The FDIC database lists XXXXXXXX XXXX XXXX address as in XXXX The states of XXXX XXXX XXXX, in which XXXX XXXX lists addresses in the contract language, also have maximum interest rates of 36 % ( or refer to " unconscionability '' ), which means that even if they operate under those state 's usury statutes, the 64.69 % interest rate they charged me is illegal. I believe this is a predatory lender offering illegal, extremely high interest loans to people whose circumstances don't allow for lower interest options, and who don't know what the rules are surrounding maximum interest rates and therefore will accept any assistance to alleviate immediate financial difficulties without knowing how or where to go for information about what's normal or allowable. I called NetCredit today to request an interest rate reduction, and the representative told me it was not possible. He mentioned the possibility of refinance, and while I was asking questions and he attempted to answer, he got several details of the contract language wrong, including the term and the interest rate. He apparently also didn't know that I was ineligible for refinance due to my state of residency, and when I told him that was the case, he acknowledged I was right ; I am ineligible. I asked several questions about why my interest rate is so high when the maximum rate in Oregon is 36 %. He couldn't give me an answer, so I asked to elevate the call. He said I can expect a call back within 24-72 hours, but that a supervisor told him there was no way they could reduce my rate. Due to this conversation, I don't expect satisfactory resolution to be offered voluntarily by this company.
07/09/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • VA
  • 22180
Web Servicemember
In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.
01/24/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • XXXXX
Web Older American
This is an addendum to Complaint No. : XXXX Below is how CashNetUSA is attempting to collect an incorrect amount of money What are my next steps. As you can see I sent an email. Thank you. XXXX XXXX XXXX THIS IS CASHNET USAS NOTICE TO ME DATED XX/XX/XXXX " Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. On XXXX, a payment of {$200.00} is due. Please ensure that your payment is received on time. To avoid potential missed payments and late fees, you can change your payment method to an automatic bank account debit at any time by calling XXXX. If you have any questions or concerns, our Collections Team is available seven days a week to help answer all of your questions via phone or email. CashNetUSA Collections Team Phone : XXXX Fax : XXXX Email : XXXX www.CashNetUSA.com To ensure delivery of important updates from CashNetUSA, please take a moment to add XXXX to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! '' XXXX___________________________________ THIS IS MY RESPONSE TO THE NOTICE " Dear Sir/Madam : Regarding your above reference to an upcoming payment, please note that the Payment Plan DOES NOT indicate any payment amount of {$200.00} The agreed-upon payment amounts are : {$180.00}, {$180.00}, {$180.00}, and {$140.00} Although I agreed to pay {$140.00}, I believe you added an additional {$140.00}. After all, I have had so many conversations with different Associates of CashNet, more money could have been added. As you can see, there is no arrangement or agreement to pay {$200.00} as part of the current agreement. Please advise and correct. I am sending a copy to the Consumer Financial Protection Bureau of your notice, a copy of the Payment Plan and my response. I would like the Agency to see how this account is plagued with false statements and misrepresentation. HERE IS THE PAYMENT PLAN XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$140.00} XX/XX/XXXX Manual Payment Debit Card {$140.00}
10/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21136
Web
Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air.
07/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33167
Web
From : XXXX XXXX XXXX To : NetCredit/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CEASE and DESIST Order I, XXXX XXXX XXXX XXXX a federally protected consumer, did not give XXXX XXXX D/B/A CEO of NetCredit, or NetCredit, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) t ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX D/B/A/ CEO of NetCredit and NetCredit to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX D/B/A CEO of NetCredit, and NetCredit to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX D/B/A CEO of NetCredit, or NetCredit fails to comply pursuant to 18 U.S.C 894a ( 1 ) ( 2 ), XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a Cease and Desist ORDER or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute.I will be forwarding this to the Attorney General, XXXX XXXX as well. With Prejudice, XXXX XXXX XXXX ( A Federally Protected Consumer )
09/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 94596
Web
I applied for an installment loan of {$2600.00} in XX/XX/XXXX to assist with moving expenses. I had used this company several years ago and while going through a divorce and ch XXXX BK. I received an approval email on XX/XX/XXXX that stated the loan would fun on XX/XX/XXXX. As I read the email, I noticed the checking account and debit card information listed for me was incorrect. The email showed an account with XXXX XXXX bank that I closed in XXXX. I immediately logged into my Cashnet account to update my banking information but their site does not allow customers to update their banking information online, you have to contact customer service. I followed the instructions and emailed a voided check to customer service. On XX/XX/XXXX I received an email confirmation that my loan funded into the XXXX XXXX account. I called customer service and the associate told me it usually takes 2-3 business days for the funds to bounce back and then they would update my banking information and resend. I continued to call and email customer service and they continued to say the funds were not returned by XXXX XXXX. I contacted XXXX XXXX Fraud and Collections, They confirmed that I have not been a customer in over 5 years and that my BK filing is on record and that it prohibits them from holding any funds for a past due debt if one existed. I received nitification that my XXXX payment was returned unpaid and that they would start collections process if i dont pay. Again, I never received the funds!! This is significant and demonstrates how their system is not reliable and dysfunctional. I have received thank you emails confirming receipt of my monthly installment payments since XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT AND THE XXXX XXXX ACCOUNT DOES NOT EXIST! So where is the payment coming from? They have no idea because its not coming from me or any account used by me. This is prime for fraud and other financial crimes. Their system is used to facilitate ACH payments from checking accounts and the information is incorrect. I will attach a very rough document showing some of the email correspondence. I copied them as is and placed them on a word doc for review.
02/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 925XX
Web Servicemember
The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX and XXXX and the investigation by NETCREDIT came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor NETCREDIT did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA
07/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98028
Web Servicemember
My credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ). Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint about XXXX XXXX XXXX XXXX, the parent company of NetCredit and the XXXX XXXX and XXXX XXXX. I hope there is an immediate resolution. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the XXXX. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. Net Credit HAS NO WASHINGTON STATE LICENSES. This is a major concern and violation. I would hope my payments would reflect THE LEGAL Stipulations from my State. As it seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!
12/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 305XX
Web
In a desperate financial moment a few years ago I took out a {$3100.00} loan from NetCredit. For years I have been making timely payments. I've been going through a divorce for the past year, and was forced to change my checking account provider. I chose XXXX XXXX - it's an online bank. My paychecks are directly deposited there twice per month. Since that time, NetCredit has annihilated my credit rating. It has tumbled some 100 points. I have spoken with associates every single month since then, and each time they tell me something different about why they can not take my payments. They have taken a few since I switched, but then sometimes don't and subsequently lower my score by 10-20 points. Also their notes, of course, never reflect the conversations I have with them. I finally opened a new account just to pay that one bill. It turns out they trashed my credit rating because their associates, including the collections manager, did not realize XXXX XXXX existed. This bit is beside the point, but also I still owe {$3400.00} after almost three years of timely {$160.00} payments - this is after borrowing {$3100.00}. Clearly NETCREDIT operates via some loophole in deficient consumer protections laws. They exploit consumers at their low points, charging them unimaginable amounts of interest, and then destroy their credit ratings if they switch to a bank they don't prefer. Just to clarify- I NEVER have attempted to pay NetCredit with a credit card. I have twice signed up for auto draft and they never seem to process it. I have at least XXXX times made phone payments that they do not complete for one reason or another. Finally - they don't even do me the dignity of notating my attempts to make payments or set them up. I feel NetCredit 's treatment of myself and probably many others is completely unethical and should not be allowed in the United States of America. NetCredit 's parent company, by the way, is operated by Americans, but they operate out of XXXX. It's very obvious why they would be based there - the practices of NetCredit are inconsistent with the values of the United States.
12/13/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • VA
  • 24501
Web
Lender : Cash Net USA Bank : XXXX, VA I have emails that have been sent to them stating that I am now receiving my pay once a month and not bi-weekly. I needed them to not auto-draft from my bank account because I was laid off prior to getting the job and at the time I stopped receiving pay from unemployment because I was working. I went a solid month with no savings and no income and they relentlessly drafted from my account even after I pleaded with them not to. They asked for pay stubs but I had none because obviously I started a new job. They finally accepted a statement from human resources on company letterhead that states the fact I get paid on the last day of the month. Even though they admit that they were wrong, they are n't able to reverse my last payment. I am going to ask my bank to reverse the payment but in the meantime, I am out a lot of money because of overdraft fees. Here is what I wrote to them : I am going to call my bank to reverse out the most recent payment as according to your recent email, I should give at least two days notice of a request to change due dates. I initiated this process on XX/XX/2016 ; two days after I started my new job. I was laid off from XX/XX/2016 - XX/XX/2016 by the way. I responded that I did not have a pay stub yet and since I was employed I was no longer going to receive unemployment checks. You withdrew from my account anyway and caused XXXX overdrafts for NSF. I then contacted Cashnet on XX/XX/2016 with my first pay stub proving that I get paid monthly and the response was we need XXXX. I called in and complained and someone there told me to send a document on company letterhead stating that I get monthly. I complied and sent it XX/XX/2016 at XXXX. I got no response but it was a full 3 days prior to my payment. Lastly, the overdraft comes out and as I predicted caused an overdraft. You all have to remember that I am a customer. I have been kind, courteous and patient. That has not been reciprocated. In the end, I 'm the customer and the company should be kind, courteous and patient not the other way around.
06/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 29611
Web
I originally got a payday loan with cash net and this is the second complaint I have filed! I can not get out of this loan and they know that. I have not taken money out of this loan in month and months to try and pay it back I also tried to pay it back with my stimulus but I never received that. The only time I had borrowed more money from cashnet a was to make the payment that was due. My balance is only XXXX XXXX actually its XXXX now after NOT TAKING OUT ANY MONEY and still making payments. I have been making payment arrangements for months because I can not meet the payments that are due. They take out XXXX every two weeks and I physically can not pay that! I have spoken to advisors multiple times they change my due dates which adds interest but they never break down the payments. I have paid cashnets payments before my car payment and power to try and catch up. Where I'm at now I paid cashnet last month and it ended up making my bank account go negative then I had over due fees from my bank. I spoke to an advisor and he moved 2 payments because now I'm behind to thus month. I'm normal people can not pay XXXX dollars in one check. That is insane and they don't do anything about it. My problem is I can't pay XXXX every two weeks I was advised to speak to collections at cash net, and they emailed me back saying there was a payment plan set up but that doesn't solve the problem it puts me back where I was last month. I can't keep going negative in my account so I can pay cash net and my power bill because a balance for XXXX is not that much and they expect half of my paycheck every two weeks and it can not happen. I have proof for trying to just have smaller payments or 1 payment and they told me no. I'm drowning, physically drowning and I am struggling. They don't care and won't work on it with me. Here 's proof of the fake customer service the provide. It is fake because they seem nice like they will help you but they will push a payment back only for you to owe more and they make it IMPOSSIBLE to catch up. I have been asking them to help me for months.
11/14/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • AZ
  • 85301
Web
On XXXX XXXX I initiated a consumer transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' After speaking with your representative XXXX on XXXX XXXX, I was informed that there is no application on file. She later stated a soft credit check was indeed performed. If this is true, your company has committed securities fraud. See 18 U.S. Code 1348. My security ( application, signature, ssn ) was given and I received nothing in return. Per section 16 part 2 of the Federal Reserve Act my application is the collateral a negotiable instrument, a promissory note. My application created the money Im applying for. The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. I have attached links to congressional law for reference. XXXX XXXX XXXXXXXX 15 USC 1602 XXXX : XXXX 15 USC 1637 XXXX : XXXX 15 USC 1640 XXXX : XXXX 15 USC 1681o https : XXXX 15 USC 1691e XXXX : XXXX 12 USC 1431
05/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 43054
Web
I took out this loan in XX/XX/XXXX to help pay off my credit cards. It was offered to me through XXXX XXXX. I fell behind in my payments due to the mortgage interest rates raising in early XXXX and Im a XXXX XXXX that is greatly affected by the mortgage industry decline. I told the company this. They offered lower payments, but I told them I was paid on XXXX. The payments started to come out on different days, causing them to bounce from my bank. Net Credit applied {$25.00} late fees, but no where in there materials does it state they apply additional interest. I caught up with my late payments today, but noticed when I did this, the payoff on my account is {$8800.00}. The make the payment screen is the only screen that shows me this figure. When I look at the first screen when I log in, which is my account summary screen, the loan balance shows {$4900.00}. That is a difference of {$3800.00}. When I look at my loan details screen, I see the late payments, the charge interest is no where disclosed. On my summary screen with my loan principle remaining of {$4900.00}, there is no disclosed interest owed and nothing shows a total balance, which leads me to believe I owe {$4900.00}. My loan details screen does not show {$3800.00} in interest anywhere, and my Full payment schedule doesn't show it. I called an inquired about showing the breakdown of {$3800.00} to me. I was on the phone with a representative for 41 minutes. He was nice, and tried to be helpful, but he kept telling me he showed on his screen I owe {$8800.00}, I told him that doesn't show on my summary screen, and I can not locate any breakdown that shows me the charges between the loan balance on the summary screen and the payoff in their system. He couldn't find anything to provide to me. I know under the laws and the fact they have an NMLS # they have to be fully disclosed to show me a breakdown of the payoff, but they don't have one. I want to pay this loan off, but I need to shown the breakdown of the different between the loan balance and the amount due.
04/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 92562
Web Older American
I applied for a personal loan with this company on XX/XX/XXXX, and was offered a 30-40 % interest loan for {$2500.00}. After agreeing and signing the contract, I was advised that I needed to verify my income through my bank. Netcredit said I would receive the funds in my account as soon as I completed the final bank verification. I attempted to do so on their site, but the process would not complete after two tries. Then it said I was locked out until the next day. I called and spoke to a representative who said that she would let the approval department know and they would contact me within a day or two at most. No one contacted me, and the following day, the entire site was " down for maintenance '' during business hours. I called and again a representative said not to worry, but she was unable to directly communicate with the approvals department and that they would contact me by email. I did receive an email directing me to the very same bank verification page, and it continued to hang up without completing the " last step '' before my loan was funded. I called and persisted in demanding a clear explanation of how to either immediately verify my banking info another way, or cancel the loan request. I stayed on the phone with the rep until I received an email reflecting my request to cancel the loan. I believe that had I not taken that step and insisted on canceling the loan, they would have drawn it out to the point where I would have had no option to cancel. The three reps I spoke to were all very vague about what was happening and why I could not get their verification process to work or be connected to someone in the department that handles the verification. I consider myself fortunate if I averted a loan with netcredit. Now I have a credit inquiry on my report for no good reason, and I hope that this company does not negatively impact me in any other way now that they have access to much of my personal information. Their website still indicates that I have an approved loan waiting on that verification page.
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 293XX
Web
On XX/XX/XXXX, I received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 1 ) I never applied of credit with NetCredit. 2 ) I have not applied for credit within the past month. 3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by NetCredit. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to NetCredit advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.
04/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 606XX
Web
I can not afford my monthly payments. Previously enrolled this creditor with a debt management credit counseling plan and I eventually had to remove XXXX because they truly do not help. After removing them from my credit counseling plan, I contacted XXXX myself to see what options they have to assist those who can not make their payments. Their only options are to refinance or to push the monthly payment back. Neither of these options are true options when the loan ( 1 ) has a 149 % interest rate that ensures that payments will be high and customers will likely have to miss a payment, thus hindering their ability to qualify for refinance due to the negative notations they will get on their credit report and ( 2 ) they do no address or change the amount paid every month to be more affordable. This company offers NO hardship plan accord to them. Other companys who provide installment loans do. XXXX has decided receiving no payments at all and defualt would be better to offer some sort of hardship assistance for people that truly want to pay their debt. I was previously advised by a XXXX XXXX agent to cancel my debt management plan and to work with them directly. I am only current now after struggling and borrowing money to get myself current and I was under the impression that once current I can gain assistance. I would not have struggled and borrowed only to find out that I was once again lied to and misled by XXXX agents. I need true hardship help. A 149 % interest rate is extremely unreasonable and this company absolutely engages in predatory lending, offering loans to people who can not get a loan elsewhere with extremely high rates in addition to making sure they do not offer any assistance should customers can not pay their monthly payments which MOSTLY if not ALL only go to interest and not the principle balance of the loan. This is unfair. This is unreasonable. With so high payments, they should actually be reducing the loan but instead every day the amount due gets higher and higher.
02/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • VA
  • 23235
Web
Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately.
02/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30314
Web
1. I took out a loan with NetCredit. LACK OF TRANSPARENCY REGARDING PAYMENT ALLOCATIONS 2. Along with the loan, came an amortization schedule outlining how payments would be applied -- how much to interest and how much to principle -- for each payment, over the life of the loan. 3. I've made at least one early partial payments and one full payment ahead of the original amortization schedule. 4. I made several late payments behind the original amortization schedule. 5. On XXXX XXXX, 2020, I made a payment and was distressed to see that it did not seem to bring down the principle balance on the account. I was given a total balance that was higher than the principle balance, but when I log in to my account it only gives the principle balance. 6. I called Net Credit on XX/XX/2020, and I requested to find out how much of each of the five payments I had made so far on the account had been applied to principle and interest. The representative said she could not provide me with that information, but that she would send me a new amortization schedule by email. 7. The new amortization schedule did not arrive by email. 8. Today, I called to follow up regarding the missing amortization schedule. I spoke with XXXX and asked for a supervisor. XXXX transferred me to XXXX. 9. XXXX emailed me with the payment application information for the first five payments, which I received. 10. I asked to make a debit card payment and XXXX transferred me back to XXXX, 11. On today, I made yet another payment with XXXX, which was all completely applied to interest, with no transparency about where my money was going. The allocation of the payment was this time revealed to me upon request. 12. Upon learning that there had been no principle reduction yet again, I asked XXXX for a supervisor. 13. I was disconnected. 14. XXXX called me back and transferred me to XXXX, a manager. 15. I began telling XXXX what was going on, then I was placed on hold with no warning. I disconnected the line, and XXXX has not called back.
12/17/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TX
  • 75237
Web
On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!
03/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AL
  • 350XX
Web Servicemember
Received a flyer in the mail saying I was approved for line of credit for XXXX I went on the website the flyer told me to go to and had it deposited in my account after giving them my banking info and my pay dates. They put XXXX in my account XX/XX/XXXX then payment was due for XXXX I paid it. Then I got message payment was do again on XX/XX/XXXX I don't have the min. Payment they had due because they have took it off my account statements now. But I think it was XXXX I paid XXXX on XX/XX/XXXX then on XX/XX/XXXX I paid XXXX then by XX/XX/XXXX I had to ask for a draw because of having to give them my whole XXXX check. Then on XX/XX/XXXX they try to get XXXX which declined causing me fees. This went on and on wanting outrageous payments every two weeks until I almost lost my home. Had do money to even live off of. Here is my really big problem!! XX/XX/XXXX they said my outstanding balance was XXXX then by XX/XX/XXXX my balance was XXXX ok was told pay extra on it my balance would go down. Ok XX/XX/XXXX paid XXXX on this XXXX I owed. And was more than the minimum payment I had. That should have brought down to XXXX paid XXXX on XX/XX/XXXX should have brought what I owed to XXXX then XX/XX/XXXX paid another XXXX all with no draws balance should have been XXXX went back online to check my balance XX/XX/XXXX they had by balance at XXXX again after paying XXXX month of XXXX with no draws contacted them and theyre trying to tell me I owe this!! No way do I owe this they're crooks told them I was going to report them to everyone I can XX/XX/XXXX go online check balance they got I owe XXXX went on there today they got my balance XXXX The total amount I have sent these crooks is XXXX with a total of XXXX in small draws because they were taking my whole check monthly. Didn't even have nothing to live off of. And about to get put out of my home because of getting behind paying these crooks my whole income. This place needs to be shut down forever!! They're crooks!!!
07/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 631XX
Web
I made two payments on my loan. The first payment was due on XX/XX/XXXX. I made the payment on XX/XX/XXXX. The payment amount that was due was {$170.00}. I made a payment of {$350.00}, of which, I was told, {$190.00} was applied towards the interest. I made a subsequent payment on XX/XX/XXXX, in the amount of {$170.00}, just four days later. When I checked the balance on the loan today, I noticed that my balance was still very high after paying {$520.00}. I contacted CashNetUSA to inquire as to why my balance was so high after making early payments on the loan. They told me that most of the payments were applied to my next interest payment. I explained that I did not want to pay interest before it had accrued and that any additional payments made prior to my next due date, I would want applied towards the principle balance-obviously. They told me that I could not make early principle only payments-that I had to make additional payments when my loan payment was due. However, that would defeat the purpose of paying additional payments prior to the due date because if I have to wait to make principle only payments, due to the high interest on the loan, I would not be in a good position to pay the loan off early. Furthermore, they were unable to tell me how much interest had accrued since my last payment. Someone needs to explain to me how they are able to steal from customers who do not mind paying high interest rates on a short term loan, but who wish to make additional principle only payments to pay the loan off early. How can I pay it off early if they are taking all of my extra payments and applying them to the interest, that has not accrued yet??? I simply want all additional payments made, applied to the principle balance of the loan. I also want someone to explain to me in plain English how I can make two payments totaling, {$520.00} pithing a four day time period, and less than {$300.00} is applied towards my principle balance.
09/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • XXXXX
Web
Prior to XX/XX/XXXX @ XXXX I had called NETCREDIT one other time asking to do a settlement for $ XXXX and my bal is {$4100.00}. I only borrowed $ XXXX & I was on auto draft for {$92.00} a mo. I paid on auto draft for 7mo and in XXXX of XXXX I called in to reschedule my draft date because of some other bills due and I wasn't going to have the money to pay them. So when I asked what was the new balance I was told I owe {$4100.00}!!!! I was IN DISBELIEF AND SHOCKED! I asked why!!?? Because I've paid on time for 7mos straight, the rep said I have a daily interest rate of 6.?? % ( I can't remember the exact amount but I know it's over 6 % )!!!!! I said I was NEVER TOLD THAT I WAS ONLY TOLD THE APR IS 59.XX %! I SAID I'LL NEVER PAY THIS OFF BECAUSE I'M PAID BI-WEEKLY NOT DAILY! I have never had a loan w/a daily interest rate!!! I DIDN'T HAVE KNOWLEDGE SO I DIDN'T ASK AND THEY DIDN'T TELL!!!!!!! I took out the loan to pay off 2 credit cards & other bills to get out of debt but I've dug myself so deep I can't get out of this one. So when I called in XXXX of this year to try to settle I was told " THE SYSTEM MAKES THE DECISION WHEN THE ACCT WILL STOP ACCUREING AND CLOSE OUT THE ACCT ''! I said what! that doesn't make any sense as a large corporation THEY should be able to tell me when I'm EXPECTED to go to a collection agency and or when I can expect to go to court for this money. This company doesn't call you at all they just email you monthly & I FIND THAT VERY STRANGE!!!! I GOT THE LOAN XX/XX/XXXX AND I stopped paying in XX/XX/XXXX & they haven't called not ONCE! I have blocked them from emailing me so why don't you call because they KNOW THEIR ARE PREDATORY LENDING!!!!!! I'm going to seek legal counsel and or let it stay on my credit report for 7yrs and or wait for them to hopefully turn me over to the collection or take me to court to explain WHO THEY REALLY ARE. THE OTHER NAME THEY'RE UNDER IS : NC Financial Solutions of Georgia, LLC, d/b/a
01/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • XXXXX
Web Servicemember
I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in XXXX, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for {$1000.00}. But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. Once I realized the ramifications of my actions, I read the " fine print. '' As it turns out, I am being charged a fee of {$150.00} for administrative charges. They are also charging 300 % APR. As is the case with desperate people such as myself, my family 's welfare is more important to me than being shaken down by legal loansharking. I have the emails sent to me from Cash Net verifying the above information. They will draft over {$200.00} from my account ( currently overdrawn ) for the first of 12 installment payments on XXXX causing additional fees and charges. I am doing the best I can to get back on my feet, but am unable to right now as I am currently XXXX at the VA hospital in XXXX, VA. I am working through some combat-related, service-connected issues. While the additional stress is challenging my recovery, I realize that is not your problem. Is it legal to draft someone 's checking account without the account holder setting up their autodraft at their lending institution? How is charging 300 % legal anyway? How is this not considered to be predatory lending? As I stated earlier I can forward the information I received from Cash Net, but am unable to do so on this platform. Please advise me on what I may be able to do to resolve this situation. Thank you in advance for your time and consideration, XXXX XXXX
10/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OR
  • 97477
Web
Back in late XXXX my check book and purse were compromised so I had to close my checking account. So I called Net Credit and told them I needed to change my checking account information with same bank but different account. She said I couldn't change the information over the phone but to email XXXX and they can change the account information. She said send a copy of a new check. So I initially emailed them on XX/XX/XXXX with a pic of the check from my phone. Unfortunately my phone used my XXXX email which isn't associated with my account for Net Credit. I was asked to resend the information from the email associated with the account. So I did that. My next response was that they needed a " voided '' check in order to change the account. So I resent a voided check. Then the response was to send my ID because my name on the check didn't match the name on the account. So I did that. Then I get an email confirming the account information and responded with " I approve '' according to the directions. The next response was we can't change this account because there is a pending payment. I knew the payment wouldn't go through but they initiated it a day early. So I never heard back except that my loan is now delinquent which I was trying to prevent. I have sent several emails asking them to change the account with requested pictures ( previously sent ) as they requested. I have called and can now not get through to a person. I'm told the wait is 4-6 minutes but I've tried three times as of today to no avail. The account is still not changed online as of today, and they are initiating yet another payment on XX/XX/XXXX which isn't going to clear. I'm extremely frustrated with the lack of communication from this company, and what appears to be " stall '' tactics so they can charge me late fees and even higher interest. There is no option to make a payment online with a debit card or to edit your banking information.
09/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • TX
  • 770XX
Web
I have repeatedly emailed Netcredit and sent a screenshot from Netcredits terms and conditions where it clearly states that if an account is created it can be closed. I created an online account before I was denied. I simply asked them to close the account and deactivate it. It has nothing with any database deletion So I have simply asked that the account created and tied to this email that I am emailing from be closed. That has NOTHING TO DO WITH ANY DATABASE! Not to mention, in the Equal Credit Opportunity Act only states that they have to keep my information in their database for 25 months, NOT FOREVER! CFPB link : XXXX XXXX XXXXXXXX Copy and pasted response from NetCredit. On XX/XX/2021, at XXXX XXXX, XXXX wrote : Thank you for choosing NetCredit, America 's trusted online lender. This email is to confirm that your concerns have been reviewed by our Final Resolution Team. After a careful review of your account and information available to us, our records indicate that you raised concerns that you wanted your information to be removed from our database. After further review, we regret to inform you that due to the XXXX Equal Credit Opportunity Act, we are required by law to retain a record of any customer information submitted to us as well as the status of each application received. Our records indicate that we have processed your request to opt/out your account and a email was sent XX/XX/2021 advising you of this information. In addition, NetCredit will not share your personal information with any affiliates and non affiliates of NetCredit. Rest assured that we take data security and privacy very seriously and safeguard all information that we obtain. If you have any questions or concerns, our customer support team is available seven days a week to help answer all your questions via phone, email or online chat. NetCredit Customer Support Team Phone : XXXX Email : XXXX www.netcredit.com
04/01/2018 No
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45103
Web
I took a loan with this company and then had an emergency arise before I could pay them back. I have a lawyer on retainer and am in the process of filing for Chapter XXXX bankruptcy. On XX/XX/XXXX, I pre-empively emailed them my attorney name, phone number, address and chapter number before they initially contacted me. On XX/XX/XXXX I was contacted by a collector attempting to collect a payment. I informed her that I was filing bankruptcy and she said they tried to contact my attorney but got a voicemail. ( They have to leave a message and the attorney office will contact them. ) Again, I gave her the information including my attorney 's e-mail address. On XX/XX/XXXX, I was contacted again and they still claim they can't get the information. I explained to the collector that they have to leave a message and the attorney handles it from there. Again I provided all information they required. After hanging up with them, I immediately called the number I provided them, and it works fine. On XX/XX/XXXX, I received another call from the collector asking for payment. I again gave them the information. I also informed the collector that this is harassment because they are calling daily and I am cooperating every single time they call. I informed the collector that I would be filing complaints with the appropriate agencies. She apologized and said she was forwarding the information to their legal team again. Now today XX/XX/XXXX, the same collector calls me this morning attempting to collect payment and telling me they can not get ahold of the attorney. I asked her how they expect to reach an attorney on a weekend, and she proceeded to tell me this was from a few days ago. I informed her that I just gave her the information yesterday ( Saturday ) She had nothing to say to this. I again informed her that she is violating FDCPA laws, and that I was filing complaints and sending in a cease and desist letter.
05/12/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • VA
  • 222XX
Web
I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.
04/22/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • VA
  • 24060
Web
Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.
03/04/2017 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • CA
  • 91321
Web
Hi. I used XXXX to find the best rate for a personal loan to make some repairs on my home. Netcredit was one of the first people to contact me so I started an application with them. And regret every second of it. I have contacted them several times cancel the application because when you get to the end of the application it asks for your user name and bank password. In this day and age I am not confortable with that especially when the fine print says that the third party agency is my accounts POA and they can monitor and access my accounts anytime. I let them know they can call to my bank and get the records straight from them or I can fax them. I had a XXXX and now its a XXXX Who gives someone with that score 65 % interest rate on a loan? Let alone a non authorized hard inquiry. These car title loans and high interest loans should be shutdown because they are all profit base to the company and put strain on the borrower. I am not going to stop here with this issue. I will be writing several state officials and local government in my state to stop this robbery that is allowed to happen everyday. The only reason I am so adamant about this is a couple years ago my credit was n't so good and I had to take a title loan. I almost lost my car and job trying to pay the loan back. I had to take money out of my 401k to pay off the amount. I payed it off in 1 year and none of the history on the account shows in my credit report. The Netcredit acoount # XXXX was never authorized to go through and should have never been a hard inquiry because I did not agree with their terms for the loan and they refused to call my bank saying the only way to complete the loan is to put your bank login and password and pray. Please if there is anything on my end that can speed this process up just let me know and I will make sure it 's taken care of within 24hrs. Thank you and I hppe we can resolve this.
04/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MO
  • 631XX
Web
I received a letter in the mail one day from Cash Net USA advising me that a loan was approved in my name. I was confused by this because I did not apply for a loan with Cash Net USA. So, I called them and I was informed there was a loan on file with them with my information attached to it. I told them I did not make this loan application and they need to close this as fraud. They claim they did an investigation and they are holding me responsible. I asked them for the paperwork regarding this loan and they only sent me the loan agreement. There was an E-signature on the paper work to approve this. I did not E-sign anything for this company to be able to approve a loan. I fought with Cash Net several times to close and they refuse. So then I reached out to XXXX to get help with this and they requested another dispute on my behalf, and Cash Net denied that request also. Now I am at the step of sending legal documents to them to request all paperwork regarding this loan. Did Cash Net ask for copies of this person 's social security card, or drivers license? If they did I want to see copies of that to see if my face and signature is on that fake ID. If they have a social security card with my number on it and someone else 's name or signature on that card I want to see it. Did they ask for any copies of paystubs to proof employment of this fraudster? If so then I want to see it. If they did not verify anything with the thief before approving this loan then I want them investigated for unfair lending practices. This loan was approved and funded to the thief in XXXX of XXXX, it is now XX/XX/XXXX, this is unacceptable behavior to resolve something that is fraudulent. After this is submitted and another review is done, if they still hold me responsible then I want proof sent to me as to why they think that. What proof do they have that leads back to me, I need to see all of this.
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30224
Web
XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
06/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TN
  • 380XX
Web
I received an offer in the mail from Cashnet USA for a line of credit for {$800.00}. The letter said I was pre-approved. I was in a bit of a bind at the time and thought this would help. It did not, it made things worse for me financially!!! First the contract you sign online is very, very vague and hard to understand and there are hidden fees that they do not tell you about. They are called, " customary fees, '' well mostly all your payments go to these hidden fees to keep you trapped in the debt. You can never pay it off. I asked to settle the account for {$200.00} today and was told that I could not settle and would have to pay the debt in full. I have a credit limit of {$800.00}. I have borrowed a total of $ {$870.00} over the course of time. I was approved for the LOC in XX/XX/2018 and had been having payments taken out of my account every two weeks, until, I revoked their authorization to debit my account, last month in XXXX and asked them to close my account. They will not close it!!! I have made a total amount of {$840.00} in payments. I offered to try to settle the account for {$200.00}, which would make my total amount paid, XXXX. This would be {$170.00} above the principal amount, that I borrowed. I refuse to pay their outrageous fees any longer. It now states online, today, XX/XX/2018 that I owe a balance of {$950.00}. If I pay that, I will have paid them {$1800.00}, but with them refusing to close my account and steadily adding fees it will be even more, soon. No one should be allowed to be such a predatory lender!!! I want to get out of this mess, but they will not allow you to get out. I do understand that I should have fully understood the contract, before signing online, but when you are in need, you sometimes make bad choices. I do not think that should give a company the right to take advantage of people like this.
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85339
Web
On XX/XX/2023, I responded to an online ad to get a personal loan from Net Credit in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. Net Credit should a credit score from XXXX of XXXX under my fist and last name only. I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from XXXX ''. My XXXX credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech. I asked Net Credit CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. Net Credit CSR choose not to answer. Net Credit representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan. After the denial of the loan, I asked Net Credit CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested Net Credit to remove and delete my private information they refused. I am now forced to close my bank account.
06/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • VA
  • 24502
Web
I am still working full-time, but now XXXX XXXX XXXXe, because I am very ill. I have an XXXX XXXX of some sort, my XXXX believes it is XXXX XXXX, but I also have XXXXXXXX XXXX in my brain, so I'm currently being ping-ponged between my XXXX and my XXXX to see if there is a connection between my symptoms, or if I'm having several chronic issues at once. To help with travel and medical bills, I took this loan. I didn't realize that it would be {$120.00} every two weeks. I mistakenly thought it would be every month, which is an amount I can absolutely pay and would be happy to. I just made the first payment ( which is automatically pulled, I can't cancel or modify anything from their website ), and I reached out to their customer service team and explained to them that I need to modify my payments for now. I'm currently a XXXX XXXX, so my goal is to simply pay off the loan in full next semester with a student refund, but they said refinancing or paying a different amount is not an option for my loan type! They have given me ZERO options to make any sort of modifications to my payment arrangement. I even explained that I would be happy to make {$60.00} payment with each paycheck ( I get paid twice a month ), but this wasn't acceptable. So I'm going to have to request that my bank put a stop to any of their charges, and this is going to damage my credit, all because they refuse to even consider working with me, and I plan to pay off my loan early anyway. I went and checked reviews of their site, I realized that customers have complained about the exact same thing, have reported them to all sorts of entities, including the CFPB, will tell the CFPB that they will work with the customer, only for the customer to call them and them to be laughed off the phone. So I am feeling extremely scammed, duped, and stuck at the moment.
02/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85308
Web
I discovered that Headway Capital , LLC accessed and reported supplemental information about my to XXXX, and utilized 3 services to do so : XXXX XXXX XXXX, XXXX, AZ, and XXXX, XXXX. These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 2 ) On XX/XX/2019 Headway Capital , LLC initiated a XXXX report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 3 ) All 3 of these inquiries shows Headway Capital LLC, accessing my data from XXXX XXXX, XXXXAZ, and XXXX. 4 ) I never gave them any information on myself, and never sought them directly to engage in business. 5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 6 ) I am seeking full remedies and course of action against them. 7 ) I expect full resolution and removal of all 3 instances from my XXXX Credit Report by them. 8 ) I do expect an apology in addition to this. 9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.
02/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 42420
Web
In XX/XX/XXXX I took out a loan for {$9400.00}. The interest rate was around 60 % and my payments were {$250.00} bi-weekly. In XX/XX/XXXX I did a payment deferral due to covid and they said they added it to the end of my loan. Since that time, ALL of my payments have been going toward interest-only ... my balance has not changed. I did get behind at times due to covid and set up a workout plan late in XXXX to get caught up and actually paid ahead of schedule for the workout. They were showing on the website I was current and no payments were due until XX/XX/XXXX ( 2 months after I paid the last payment for workout ). I called more than once saying I know I should being making payments but each time, the rep said they could not figure it out and recommended I make a payment of {$200.00}. Overall, I know I got behind and my original amortization would be extended, but how can you tell me I am current yet all payments are going to interest only? In XXXX I made total payments of {$4500.00}. In XXXX I made total payments of {$3700.00}. So far in XXXX I have paid {$300.00}. And today... 2 years later my principal balance is {$9300.00} ( {$110.00} less than original loan amount 2 years ago ) and my payoff today is {$13000.00}? In two years I have paid {$8600.00} and my current payoff is over {$3500.00} MORE than my original balance? I understand the interest rate is high, but at NO TIME during our conversations did anyone tell me that if I did a payment deferral, I would only be paying past due interest on my loan going forward unless I made up the payments. This can not be legal... so much deception. It's like they hoped I would get past due so they could " help '' me. I never checked my loan history because they made me think everything was fine and in order. I started using the website recently and that is when I noticed.
07/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30013
Web Servicemember
I applied for this loan-I don't recall the dates specifically, XXXX or XXXX to pay up my car insurance, after an injury, and being off work. I believe I asked for {$3200.00} or {$3500.00} for the loan amount. I received the interest rate information, but I was in desperate need, so I agreed to it. In XXXX of XXXX, I was XXXX XXXX from my XXXX job, as a result of my VA doctor 's information to the Office of Personnel Mgmt , and lived for awhile on a monthly annuity. Well, the year is up and my annuity amount has changed DRASTICALLY. I'm now trying to get Social Security XXXX Insurance, and have to wait. In the meantime, I can't continue to pay for this NETCREDIT loan TWICE per month. I've written, them, I've called them, I've complained on their site, I've even submitted an email to their subsidiary XXXX, and kept getting error messages. I KNOW the loan is mine, I've been paying it off, AND the exorbitant interest rates. It's terrible that company 's like this can do this to the working poor. I waited for a long time before actually accepting the money, and they " hunted '' and quickly agreed to send it, but I knew THEN, I was in trouble. I'm NEVER gon na be able to pay this loan off! And it's ridiculous and unfair. I've worked 43 years of my life, and never needed one of these loans, and now I know I was right in my feeling of acceptance. PLEASE, TELL THESE PEOPLE TO JUST TAKE ONE PAYMENT PER MONTH. It's gon na prolong the loan, but at least I won't be afraid my necessary bills won't suffer as a result of this loan. NOW I pay my mortgage, car insurance, and bills. This is SURVIVAL MODE. I'm just asking for some assistance. And PLEASE, ask them to send me the TIME when the loan WILL BE PAID OFF! When I have been able to speak to a LIVE person, they've been very elusive about this information. PLEASE HELP ME.
07/15/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02118
Web
I recently became aware of 2 payday loans that were opened using my personal information in 2017. I am a victim of identity theft, and I did not apply for these payday loan. One of the loans was paid off ( presumably by the fraudster, I am thinking it was auto-drawn from the checking account they were using ), but the other loan was never paid and got sent to a collections agency. CashNet USA is now attempting to collect this debt from me, despite my numerous attempts to resolve the issue. I have called and emailed, but I never get a call back from the department working on my case. I was told my claim was denied because I am a " return customer '' ( I assume they are referring to the other fraudulent payday loan that was taken out in my name ) and that the checking account the fraudulent loan was deposited into was a XXXX account with my name on it. I have checked with XXXX several times, spoken with my personal banker as well as multiple customer support supervisors, all of whom have confirmed that the account the loan was deposited into does not have my name on it. They can not provide me written proof of this, because this account does belong to someone and XXXX has a responsibility to not release their information. I am not sure where CashNet USA is getting the information that this is my checking account, but every time I attempt to contact them for more information, I am told it will just be passed along to the department handling the claim. I have emailed this department directly and not received any contact back. I have sent them my police report and all of the supporting documents I have to prove that this was fraud. I have spent hours and hours working on proving that I am not the one that applied for this payday loan, but CashNet USA continues to attempt to collect this debt from me.
02/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • XXXXX
Web
Originally obtained a loan in the amount of {$5200.00}. I had every intention of paying it off within a month. Of course things occurred & that didn't happen. At the time of applying for the loan I was told it would be at 5 % interest. Silly me, was in a hurry & they were rushing me to lock in this rate. Well, I unfortunately was misled & clearly didn't understand/ read the loan documentation or contract. Because, as I've consistently made on time payments of {$130.00} bi-weekly since XX/XX/2017. And, for some odd reason I've only paid down my loan to {$4900.00} So, now being a single Mom to a XXXX child who receives Absolutely No Government assistance at all due to my salary. I start to wonder to myself gee {$130.00} Bi-Weekly 21 payments that's {$2900.00} and I've only knocked off {$220.00} off the loan? Now, figuring this is absolutely insane & finding out I am being charged 64.75 % interest?? I thought a credit card company charging 20 % - 28 % interest was ridiculous. But, a loan company being able to charge up to 100 % interest should be absolutely illegal. And, I am trying my hardest to find a way to pay off this loan ASAP. I REALIZE This most likely will do no good. But, I've requested a payoff from this company & I was told there's no pre-payment penalty from the very beginning. If they try & charge me any more than I currently owe, I will fight this & will take action with the State of Missouri for them being even allowed to operate & prey on people. No loan should ever be over 30 %. I make good money, had decent credit at the time of this loan & was given a 64.75 % APR??? This just floors me, that the Government would even allow this to be allowed! No wonder why people are in debt, can't afford to live on a decent income, & will always be in debt because of companies like this!
01/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • XXXXX
Web
I'm writing a formal complaint against NetCredit due to failure to comply with my request to receive a transaction statement. On XX/XX/2019, I sent a written request for a transaction statement to show how my payments were applied towards principal and interest. NetCredit emailed me a copy of my payment history, nothing detailed of how my payments were applied. I spoke with several representatives who advised me my balance had increased due to interest incurring daily. I had this loan with NetCredit for a year at a payment of {$160.00}, which was automatically drafted from my checking account bi-weekly. As of today, my balance due is {$7000.00}. NetCredit has failed to supply me with a detailed transaction statement showing me why my balance is steadily increasing and failed to provide me with a breakdown of how the interest of 59 %, came to a payment of {$160.00}. NetCredit has not been transparent about the usury interest cap allowed for non-bank lenders outside of Georgia. I have a credit score of XXXX and NetCredit, still has me at an interest rate of 59 % for a loan amount of {$6000.00} with expectations of me paying back over {$21000.00}. NetCredit interest rate is higher than 59 %, which is not allowed in Georgia, and a violation of the usury law. I was provided an amortization schedule that shows different amounts from dates I've paid through ACH. As a consumer, NetCredit has provided inadequate and false loan terms and provided me a negative amortization schedule knowing the loan payment was too small to cover the interest which, is adding to the unpaid principal balance. Upon my research on NetCredit, I question if NetCredit is licensed to do business legitimately in Georgia. NetCredit has geared up to perform unfair and deceptive lending practices on consumers in Georgia.
03/10/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 652XX
Web
I had a bank account 5-6 yrs prior to this incident that had a negative balance due to my inability to pay. I believed this account was closed and charged off by financial institution, and account had no activity for years. In XX/XX/XXXX, the financial institution sent me a check for {$79.00} on inactive acct. which confused me, but I was aware that the bank had sold to another company. In XX/XX/XXXX, I notice a debt for Net Credit on my credit report, and called them. I had not applied, authorized, or ever sought a loan with this company to be deposited into a inactive account I believed was charged off and closed years prior. I filed a police report on XX/XX/XXXX, and went to the bank to request records about the inactive account from the new company. I then call Net Credit questioning them why information was not verified before they released a loan, as my phone number, employment info. and banking info. had all changed. And the account that they deposited was inactive and not in good standing. The woman I spoke with adamantly stated they did verify all info., even verified my employment at a place I hadn't worked at for many years. I told her I'd love to see the documentation that was verified because i know for a fact the bank info was not verified as the account had been inactive for years. She then states someone close to me must have stolen my identity. I absolutely feel like that is XXXX, from complaints I have seen there seems to be a pattern to what they do unlawfully and then claim identity theft. They are committing the identity theft and someone really needs to look into this matter. I know matter of fact that verification of a active checking in good standing is required on loans. I would not apply for a loan on a account I believed was charged off/closed years earlier.
03/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32824
Web
This is my Rebuttal Letter Reply to NetCredit on XX/XX/23. To : XXXX XXXX XXXXor anyone on the compliance Department of NetCredit, I come to you in Good faith and Honor to rebuttal such claim you made about your not on any violation of any wrong. Well I consider that " hear said '' that you as a company that in regular basic do consumer credit transaction Extend My own Line of credit not yours, their actually Laws that said you are in violation and theirs Fines to pay if you don't comply with it, unless you show me in the Law that your right and I'm wrong on " subject matter '' everything you said is false, misleading and theirs violation for it. Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning every time some identity make a report as a late payment, miss payment or default on someone credit report is false, misleading and a violation under 15 u.s.c. section 1681n and penalty of {$1000.00}. So if their is not late payment or default, because is excluded, what are you claim it that I own you guys the Debt? # 1 : Right now you claim their is 7 late payment or default, that means I have {$7000.00} that NetCredit own me, please send me the whole amount to my address. # 2 : send me the " Original Agreement '' on the Security Interest that you claim I'm own debt on it. # 3 : Under 15 u.s.c. section 1666d : treatment of Balance said, Any amount over {$1.00} on balance account, whenever a consumer credit transaction owed to obligator, a creditor shall- credit, refund and Good Faith refund to consumer by cash, check or money order any part of the amount of the credit balance remaining in the account for more them six months.
12/16/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95841
Web
so i saw a unusual activity on my bank account on XX/XX/2018 that someone ( cashnetusa ) company kept trying to take {$200.00} or {$230.00} out of my bano account so i was like wats going on .. to make a long story short my bank was overdraft due to me not wrking last time i wrked was XX/XX/2018 nd had a XXXX injury nd had XXXX since was off clock didnt got paid so bank was overdraft due to not having money in it nd not making cards payments nd stuff ... anyhow i dnt usually check my bank account but tht day i did becauz XXXX XXXX XXXX has policy they charge u overdraft fee of {$35.00} so i went in to the XXXX XXXX XXXX spoke to a representative about this she changed my card nd as i got a new card i was still seeing cash net was trying to take money out so i went to bank again so we contacted them they said i got a loan of {$200.00} from them nd i have to pay it back i said wat when i never got any loan from u guys they said theres a loan taken on ur name for {$200.00} on XX/XX/2018 i said i never applied for one i had a injury nd im not even wrking and y would i apply they said well too bad u have to pay thts not our business we will send it to collections nd they will take it from u we dnt care it was the manager at cash net who i spoke too at phone call she was super rude .. my bank lady closed down my account nd card nd opened me a new one stating its a fraud spoke to the fraud company dn was told to let social security office knw too went in there too cauz had to change last name since got married told them they said just file a complaint to XXXX explain them they will take over now i got a call again from cash net threatening me to sell my info to third party to claim {$250.00} but i never took any loan of {$200.00} nd someone used my info im so scared i dnt knw wat to do
04/01/2023 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
  • OK
  • 74105
Web
I was rejected for a loan Net credit then calls and says I may have one. Gave me an account # that does not exist. Help phone number says I do not have an account. Sent verification money of XXXX and said they expect it returned immediately ( Friday XX/XX/ ) but absolutely refuse to tell me where. Web site mentions address for paper check but not any name or entity to send money through your bank. Unnamed female calls and will not accept terns of repayment applied to the XXXX saying we can't just let you keep the XXXX instead of the XXXX. Two XXXX men but? Answering machine is a womans voice. PDF says terms agreed to but if there was an electronic signature I did not sign any. Why won't you just let me keep the XXXX ad repay that?? Because it comes from somewhere else. XXXX man XXXX XXXX says in threat email its federal money. No loan company does that. Transportation alliance bank does not exist. Unnamed female listed all stores possible like XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc where I could go to resend the money bit not where. Address and po box are paper checks not email instant repay. When I said XXXX XXXX she said? Nothing. No answer. Compassion? A little. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and her insistence that I give back money she won't even tell me where to send compounded by threats including terrorizing me when I get very little in govt benefits and refusing to even accept repayment terms applied to the XXXX. I am being deprived of all my rights by the state of Oklahoma including refusing me access to my XXXX parents and guardian even the police are stalking me and for 28 years are tracking my every single footstep and studying me like an animal I have no real viable caseworker nor social services. My mama is frantic. I am now being threatened by NetCredit
06/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 23452
Web
When meeting with a Consumer lawyer for another matter, the subject of online installment loans came up as being illegal in the state of Virginia. In order to charge usury rates of more than 12 % the lender has to be licensed in Virginia. If their name is not this list, XXXX, then they are not allowed to charge more than 12 %. Virginia law 6.2-306 states that a person can not waive away the rights to the usury laws of their state. Since, the contract is illegal it is not binding. I was told to revoke their ACH rights and to cease payments immediately. At that time I had already paid XXXX for a loan of XXXX. I have paid back their principal and the 12 % interest. I was told that due to this breach of the law that under Virginia Code .2-1541. A. Unlawful contracts void ; recovery of amounts paid. B. The lender on any loan for which a person has taken any action in its making or collection in violation of 6.2-1501 shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made. While I do appreciate the loan i do not appreciate the fact that they take advantage of the financial needs of people they deemed easy prey. We believe what they write and assume that it is legal. I guess they are banking on the ignorance of their borrower. They like to respond that they are licensed to lend money in Virginia. However, they fail to address the fact that no one at the Bureau of Financial Institutions for Virginia can find that proof. While they may be able to lend to Virginians it should be done legally. They are not a bank, therefore they may not export deregulation from my home state or preempt my home state protections.
02/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • XXXXX
Web Servicemember
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed XXXX XXXX of our finicial hardship. We ask XXXX XXXX to work with us and informed XXXX XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX to work out new repayment terms. We were unable to to Pay the excessive interest % rate on our loan and we were unable to Pay {$160.00} twice a month, which were deducted out of my bank account every pay day. I also e-mailed XXXX XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate. XXXX XXXX has also threatened to sue me and refused to work with me. I have not recieved a default letter by mail nor e-mail XXXX XXXX responded by, '' stating my account would be refered to an attorney if I did not pay according to current loan terms '' and I would be sued for the remaining amount I owed on my loan ''. XXXX XXXX is refusing to work with us in regards to our documented finacial hardship. XXXX XXXX is refusing to work out an affordable repayment plan, so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. I feel taken advantage of by XXXX XXXX I feel XXXX XXXX took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive % rate on my loan and with excessive payments {$160.00} twice monthy equals XXXX monthly. I was never sent a default letter my email nor by mail, XXXX XXXX is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
09/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • XXXXX
Web
I live in Northern VA, work in XXXX a single mom of XXXX need the extra cash to pay something up in the house I initially got a loan for XXXX dollars and I paid off XXXX and of a XXXX dollars I owed XXXX cent but then they called and said hey we can give you a loan for XXXX, well I said ok my oldest daughter was leaving for college so this would help, but they deposited XXXX in my account, which technically with the remaining balance of my XXXX dollar loan, that would only total XXXX dollars not XXXX, so the amount given is a lie as well and with all my payments I have paid them a total of XXXX dollars. Which in the state of Virginia Net Credit operated without a license in Virginia. Virginia law caps the interest rate on loans at 12 percent per year unless a lender qualifies for an exception, but NetCredit is being sued and loans are being disputed as illegal because their interest rate ranged from 34 percent to 155 percent and that is not legal in VA, so if we went with VA interest rate on a XXXX loan I would owe only XXXX but technically since I only received XXXX my interest rate on this loan based on VA laws I would only need to pay a total of XXXX, for which again I have paid them at total of XXXX and they have reported to the credit bureau that I was late and owe almost XXXX, they should not be report and I sent them information stating that have paid them in full based on VA law and actually they owe me money back and because they are using Utah law they are not willing to work with anyone and keep pushing interest onto the loan and are using illegal practices.They have also been harassing me with phone calls and my place of work who has told them to stop calling but the persist on calling. I will attach my payments from my bank and the lawsuit that is ongoing.
05/15/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 754XX
Web
This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members.
12/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NV
  • 89122
Web
On XX/XX/19 an unauthorized withdrawal from my checking account was made by cash net I was then find {$35.00} from my banking institution based on insufficient funds.then again on XX/XX/XXXX another withdrawal was attempted by cashnetusa.com unauthorized to my checking account and although B withdrawal request was denied I was charged another {$35.00} for overdraft fees to my account by my bank. Again neither of those withdrawal request were authorized by me they were both in error and I have a recorded conversation by phone yesterday XXXX the XXXX with a cashnetusa.com supervisor her name was XXXX admitting that know they were not supposed to have attempted those withdrawals. As I was uncomfortable with her just admitting that they were in error I demanded that they reimburse me for the {$70.00} fees I was having to pay to my bank and she said that cashnetusa.com would reimburse me for those Vines and then they would accurately with my authorization remove the funds from my account this coming Monday on XX/XX/XXXX and I agreed.they just requested and required me to email them a copy of my statement showing a direct correlation between their attempt to withdraw funds in my account going into overdraft and the vine that was given to me which I did email that to them yesterday on XX/XX/XXXX. However later in the evening on the XXXX I received an email from CashNetUSA confirming that I had this conversation with supervisor with their company but did not appropriately define what was stated in that conversation ignoring the fact that they were in error and in the email it was threatened by them that I pay this overdue bill that they attempted to remove from my account early and were unsuccessful now it's considered overdue and they are putting me into collections.
11/10/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 305XX
Web
Hi, The debt collection agency, XXXX XXXX XXXX XXXX, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. The original debt was with NetCredit, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. All I have are the last four digits of the account number, XXXX. I've attempted to call XXXX XXXX XXXX but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. Sincerely, XXXX
02/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 922XX
Web
In XX/XX/XXXX I was struggling to make rent and I got a letter from CashNet USA and applied for and recieved a {$2600.00} loan. I believed at the time that the re-payment would be {$210.00} a month, which was okay with me. However after I recieved the loan they began taking {$210.00} every two weeks from my bank account. I attempted at that time to call and try to set up a different payment schedule, because I knew that every two weeks would be too hard for me. I have managed to pay every month until now, I simply can not afford it anymore. I called again today to try to work something out where I could pay once a month. They refuse to offer any other options and when I call to speak with a collector they tell me that i CAN NOT speak with a manager or anyone above them. They are rude and threatening and bullying. How is it possible that there is no manager or anyone at all to speak with? I am not trying to get out of repayment, I am simply trying to figure out a schedule that works so that I'm not constantly going negative and in turn getting charged over and over by my bank. I cant live like this anymore it is destroying my life. Also, I have been paying this every two weeks since XX/XX/XXXX and not one of my payments has gone toward my balance, they are only going toward interest. Is this even legal? This was only a XXXX loan and they are making me pay back XXXX!! Is this legal? When I spoke to the woman today I asked why this doesnt show up on my credit report because it makes it look like scam and she said 'you should be happy its not on your credit report ''. I have now read many complaints online saying that this loan is a scam and that the APR rates are illegal. I don't know what to do and I am looking for help to find a solution. Thank you.
06/13/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32244
Web
On XXXX XXXX , XXXX I put in for a loan for {$150.00} And was approved, and received the funds. On XXXX XXXX I got a notice about that this was owed, but then on the XXXX I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission. I contacted the company about this twice by email and no response from them. So I called today, XXXX XXXX , XXXX to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this. Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C E O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission. I need help getting this contract closed and my money back. They tried to quote State law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.
07/02/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23505
Web
There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc., has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ... Thanks to you all ....
10/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35211
Web
RE : Net Credit/NC Financial XXXX I am a victim of identity theft. The thief opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent account identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, another government-issued identification card and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; and o A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent account including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at XXXX XXXX XXXX XXXX XXXX, Al XXXX. If you have any questions concerning this request, please contact me at the above address or at XXXX Sincerely, XXXX XXXX Enclosures : Identity Theft Police Report Proof of identity : Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft
08/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48371
Web
On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.
01/03/2022 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
  • Their investigation did not fix an error on your report
  • GA
  • XXXXX
Web Servicemember
The NET CREDIT ( a/k/a NC Financial ) account on my XXXX credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but XXXX continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified XXXX of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. XXXX has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( NC Financial ) fraudulent practices and numerous other formal complaints against this company. If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against XXXX and Net Credit aka NC Financial for a proper resolution, which will include my attorney 's fees and damages incurred.
10/28/2016 Yes
  • Payday loan
  • Can't contact lender
  • VA
  • 23505
Web
XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.
11/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • AZ
  • 85043
Web
Applied for a NetCredit loan and was was approved except for the employment verification process. I called each time I resubmitted my application only to be told that the processing department was calling an incorrect number in their attempt to verify my employment. I provided verifiable numbers for my employer, my employers third party verification service including an email address and portal information with employer code. I was told they can only verify employment by phone, which is fine, if the correct number is called for verification. I finally submitted an official employment verification letter along with my most recent application and it was again denied with the following language : Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify employment It is apparent that my application was not carefully considered and I question if they even attempted to truly verify my employment in my subsequent application submissions. Between 5 different customer service representatives, I was told that they were forwarding the correct phone numbers to the processing department, but it does not appear the processing department is responding to any of the corrected information provided. I am verifiably employed and should not have my loan denied due to information that is available in multiple forms. If the intent is to verify information on my application, NetCredit has had every opportunity and all the information needed to do so. Therefore I must conclude, my application has not bee carefully considered.
01/27/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23464
Web Older American, Servicemember
Complaint re : CashNetUSA We attempted to pay off this debt IN FULL several times during XXXX and early XXXX ( this was a requirement of a XXXX lender so it was imperative to do so ). During telephone and written emails we were repeated refused our request for a mailing address and always received the same answer. The company refused our payment by mail and will only take a payment via our checking account. We repeated asked the lender for the mailing address to mail the XXXX lenders check or our check of payment in full. I even tried to pay the debt while we were out of the country via e-mail and after two emails was AGAIN informed they would not provide a mailing address for payments. Based on CashNetUSAs refusal to provide mailing address HELO lender decided to put through our home equity/improvement loan without paying them. CashNetUSA refused to accept our payment, in full, of this loan beginning in XXXX and XXXX of XXXX by refusing to provide us a mailing address to mail payment in full. They can confirm this by checking their own email records which are kept by them. We have now received information that this account has been sent to a debt collector. That is unfair. We attempted to pay this debt, in full, on many occasions and were refused by CashNetUSA. We wanted a cancelled check as a firm receipt that this debt was paid. We should not owe any additional interest, or perhaps even the entire amount loaned because they refused payment in full on more than one occasion. Again, they were told we wanted to pay the amount in full and needed a mailing address to do so. They refused to provide a mailing address on several occasions and said they would not accept our payment that way.
07/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20743
Web Servicemember
On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.
05/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 024XX
Web
This letter is to dispute the interest fees that are fraudulently and illegally being charge to me under a loan through NetCredit. I have followed up with NetCredit via email and phone and received no adequate response from anyone. This company does not give the option to pay principal payments, you would have to pay their interest fee and then issue a payment on top of that. Their monthly payments are too high for the average consumer to get out of this type of debt and to try and make extra payments. I have called NetCredit on several occasions to refinance this loan. The first time I was told this was not an option that they provided. The last time I spoke with them in the month of XX/XX/2022 I was told that this is an option, but my case had been escalated and I need to wait for a manager to contact me. I have not heard from anyone to date. This loan is a High Interest loan and after investigating it appears that this illegal and fraudulent. The total amount loaned is {$8100.00}. NetCredit takes money out of my bank account with XXXX every 2 weeks. Wednesday. XX/XX/2022 was the date of the last withdrawal. To date NetCredit has collected over {$2300.00} in Interest and is illegally charged. My biweekly payments total {$210.00} and result in a minimal amount of that payment being applied to the principle. In fact, after 12 payments of {$210.00} I have only paid about {$250.00} toward the principle. This is illegal. How is it that it is legal for a company to charge an interest in that amount? The APR that NetCredit is giving me is over 63 %. The state of Florida maintains the position that it is illegal for a loan to have an APR over 18 % : Florida Statue 687.02
09/14/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 761XX
Web
This is a very predatory company. I took out a loan for {$3600.00} with this company in XXXX. I have paid more than 3-4X this amount and the balance is still showing as {$3400.00}. In XXXX I lost my job and entered an agreement with the company-NetCredit Temporary Payment Relief Plan and despite this they still reported me late even though I had the payments on auto pay and they were on time. Not only this but they have unethical and illegal credit reporting practices. For example, sometimes I will login to make the payment the same day and the website won't allow me to make a payment unless I schedule it out several days which will result in me being reported late to the bureaus. They have also incorrectly reported the amount of the late payment. As I stated I have been paying this loan for years and none of the money paid is hitting principal, only interest and I am constantly hit with late payments on my report which has significantly damaged my credit and has made it impossible for my family and I to purchase a home. I would like for the hard earned money that I've paid be applied to the principal of the loan as well as the late payments removed from my credit report. I'd been doing some research and it is clear that Netcredit has a pattern and history of this and I am considering filing a class action lawsuit as well as go to the news station. This is predatory and very unethical. I can't believe this company is able to get away with this. I am no longer going to accept this lying down and will file with more regulatory agencies to prevent others from going through this. If an attorney sees this, please contact me. I know a few others willing to sue.
06/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • OH
  • 45239
Web
I have previously filed a complaint last XX/XX/2023 and it was closed because the company ( Pangea ) responded saying that " the funds were never retrieved from my bank account '' and that I should reach out to my bank. Furthermore, they said that in their response that I " agreed and has not reached out to the Pangea Customer Service team since ''. I haven't reached out to Pangea because I went to my bank and filed for a dispute regarding the funds that was never returned to my account. I took the bank nearly 2 weeks to give me an answer. And finally on XX/XX/2023 I received the bank 's investigation of my filed dispute. Upon their investigation they found out that there was " no error occurred and that the transaction was valid '' and that my money was paid to Pangea as can be seen in my bank statement. I have attached the bank 's investigation report and my bank statement for reference. With this, I called Pangea Customer Service to inform them of the bank 's investigation report. The agent insisted that they never took the money from my account but I reiterated the bank 's report. I asked to talk to someone higher to give a valid answer but the agent said she will escalate the issue to someone. XX/XX/2023 I received an email from XXXX ( Pangea Money Transfer ) requesting me to send my entire bank statement for the month of XXXX. XX/XX/2023 I sent my bank statement to her at help@pangea.XXXX but I never received a reply. XX/XX/2023 I sent my bank statement again at help@pangeaXXXX and to support@pangea.XXXX I never got a reply. XX/XX/2023 I sent another email to follow up my concern but I never received a single reply from them until this day.
07/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30331
Web Servicemember
I received a loan f rom Net Credit/NC Financial XX/XX/XXXX . Payments were withdrawn in the amount of {$230.00} from my checking account monthly to avoid a late payme nt. In XX/XX/XXXX , I initiated a debt management company, XXXX XXXX XXXX to help lower my debt. They received approval from Net Credit to lower my payments from {$230.00} to {$140.00} a month. Payments were deducted from my account monthly and dispersed to Net Credit. In XX/XX/XXXX , I received an alert on my credit report stating I was 30 days past due. I contacted Net Credit to see w hy they contacted XXXX and stated I was late when my payments are sent directly to them. I was advised that although I was going through a debt management company and paying {$140.00} a month, I was still responsible for the additional {$86.00} per month and should have sent it to them. They started reported that I was late and I owe them a balance of {$250.00}. I told them that there was an agreement that they accepted with XXXX XXXX XXXX for {$140.00} a month and they were getting paid every month so I was not past due. She stated that I was correct but I am still obligated to the original contract for {$230.00} a month and they will not fix it. I also sp oke to a manager which they advised me of the same thing. I told the manager if this was an issue, then they should not have approved the payment plan for {$140.00} a month. She apologized and still said there was nothing she could do. I contacted XXXX XXXX XXXX and requested a copy of the signed agreement and got it forwarded to me. I also made a dispute with XXXX to get the late payment removed from my credit report.
04/18/2017 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • OH
  • 43015
Web Servicemember
I applied for a loan online. I had used this compan y two years prior, and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at XXXX XXXX who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA ( XXXX XXXX ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that XXXX XXXX has verified they rejected it back to CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • XXXXX
Web
Some time ago, I applied for and was approved for a line of credit with NetCredit, with the expectation that it would function as a genuine line of credit and not as a cash advance. However, in recent months, I have come to realize that my " line of credit '' is operating more like a cash advance, which was not what I was originally promised. Since I began using this supposed line of credit, a total of {$1000.00} has been debited from my account, and I have been making bi-weekly payments for the past six months. Despite these payments, I am shocked to discover that I have a balance of {$650.00} in hidden charges. Additionally, the principal amount I owe remains nearly the same as the initial loan, amounting to {$750.00}. The advertising that initially attracted me to NetCredit promised a true line of credit with clear and transparent terms. However, the reality has been entirely different. I feel deceived by this situation, and it is unfair that a significant portion of my payments is being credited to hidden charges, while the principal is barely decreasing. I demand that this situation be clarified immediately, and the necessary corrections be made to my account. I want my payments to be properly applied to the borrowed capital, and for the structure of charges associated with my line of credit to be clearly and accurately disclosed. I expect prompt action to address this concern and resolve this issue fairly and equitably. I appreciate your immediate attention to this matter and look forward to your response to rectify this misunderstanding satisfactorily. Also, in Florida the maximum APR for loans in30 %, they are too high.
11/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 17408
Web Older American
I have had a significant reduction in income since retirement inXX/XX/XXXX. I incurred debt while living in Maryland, before retiring, I arranged to repay {$230.00} until paid off. However, I have been informed that Social Security has canceled XX/XX/XXXX's payment and will revisit benefits for XX/XX/XXXX to determine if they should cancel XX/XX/XXXX's Social Security check because of cap on employment for XX/XX/XXXX. Because of this huge reduction in income for XX/XX/XXXX and possibly XX/XX/XXXX, onXX/XX/XXXX, I contacted CashNetUSA via email ( collections department ) for assistance in either suspending payment of {$230.00} or reducing/recalculating payments thru the end of the year that occurs on the XXXX of each month. Original balance was {$1600.00}. Balance is {$360.00}. CashNet is refusing to work with me, stating they can not recalculate/suspend/or rework payback period. I then told them that if they attempted to take XX/XX/XXXX 's payment, it would cause an NSF in my account, increasing my debt and causing further hardship. Their final reply was : ( taken directly from email they sent me ) " We understand your situation and have noted your account. We are unable to change, cancel, or alter any mutual payment arrangements or scheduled payment that has been established for your balance. If you are expecting the scheduled payment to return for insufficient funds, please contact us back as soon as possible to set up arrangements for the returning payment. '' I have saved all documented email conversations to CashNetUSA 's Collections Department. I do n't think CashNet is handing my hardship situation in an equitable or fair manner.
01/15/2021 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
  • Their investigation did not fix an error on your report
  • AL
  • 360XX
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
05/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 23701
Web
I recently called in on XX/XX/XXXX or the XX/XX/XXXX I believe and I wanted to figure out how much my pay off would be if I paid on that day and how much it would be if I waited until the XX/XX/XXXX. The lady proceeded to tell me that it would be around {$790.00} if I paid the loan off the day I had called and it would go down to {$650.00} if I waited for my next pay date which is XX/XX/XXXX. When I called back on XX/XX/XXXX the representative is telling me something different and she is quoting me a higher price. I asked to speak to a manager and she wasn't helpful at all and so she begins to tell me that my amortization schedule that is online is different than what it actually is because I had late payments, but my account is current. The manager told me that my account is accruing interest daily at 150 % and the price the other representative had told me was the price for that day. Which doesn't make sense because my balance should go down the closer I get to my payment date and according to the numbers she was giving me it was going up. Also according to what is online it states the amount the original person had told me when I called on XX/XX/XXXX. The manager also did not want to give out her manager 's information so that I could call or contact them in regard to this issue she stated there is no one else for me to talk to. I simply would like this issue resolved and have someone who knows the correct information when they give it to customers because everybody doesn't seem to be on the same page. I also find it very hard to believe that there isn't a different number to their corporate office when issues such as this arises.
05/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • VA
  • 245XX
Web Older American
I applied for and received a Line of Credit over the internet from CashnetUSA.com. I was granted XXXX but only asked for XXXX. The money was deposited in my account the next day. I called the company and inquired as to how much my payments would be and was told they had no way of telling me until the XX/XX/XXXX or XX/XX/XXXX of the month. The day after that call, I accessed my account on line and was flabbergasted to learn that my first debited payment would be {$200.00}. This amount would put me in horrible hardship. As it was late in the month and I had spent the money, I allowed the payment. I accessed my account mid XX/XX/XXXX and to my surprise, they were going to debit my bank account for {$290.00} on XX/XX/XXXX. I then wrote a letter to Senator XXXX as she is a strong opponent of PayDay Lending, and called Cashnet. The Customer Service Manager that I spoke to rudely informed me that " people should educate themselves on the terms, and maybe he wouldn't get calls such as mine, and by the way, I would be paying 3x the amount borrowed ''. He also informed me that he could break the payments into three payments over three months, but I would still owe whatever the payment for that month would be. ( adding more money ) or he could stop the debit and send the account to collections. Otherwise there was no other option. I tried to explain the hardship such an exorbant amount would put on me as I am a senior citizen on a fixed income, to no avail. Today, I still don't know how much they plan to extract from my account next month. I understand paying back the money, but this is a terrible hardship. {$290.00} on a {$800.00} loan?
06/13/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TN
  • 37876
Web
Submission of complaint : CashNetUSA CFPB, 1. I had a 2-year Flex Loan with CashNetUSA. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. Months passed and it was not reported on any credit reporting agency ; XXXX XXXX or XXXX With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 2. I have contacted CashNetUSA multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 3. I have contacted all 3 Credit Bureaus. a. Websites : Disputing the omission of my 2-year flex loan through CashNetUSA. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. b. Phone calls : Several with no action. c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, CashNetUSA is still NOT listed on my personal credit reports. 4. There has been no resolution as of today. XX/XX/XXXX. 4. Attachments enclosed XXXX XXXX
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22304
Web
WHOA!!! HOLD UP!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company NC FINANCIAL is using a stall tactic claiming that I am using a 3rd party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such 3rd party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entries that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should NC FINANCIAL refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
01/27/2021 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29690
Web
Highway XXXX this payday loan company, now I know about the payday loan tactics and I aas a fan of cashnet for about a year I paid off the debt and reopened it once u get over a certain amount they don't tell you your payments will jump from XXXX to XXXX, almost something that us impossible to afford! But not only that they do have repayment plans where they break up your XXXX but they don't tell you the interest on this. XXXX is XXXX I was paying back XXXX but after paying for 3 months I paid almost XXXX in fees ans interest and guess what I only had XXXX dollars added to the amount I could request back. They are making millions off of us. It really should be illegal the way they collect fees and interest I don't recommend a pay day loan to anyone!! After doing this I had to take out another XXXX just to pay the XXXX thay is dues every month! Then my bank takes it anyway so I have a great score with cashnet because they receive the money either way! What they don't see is now im negative XXXX in my bank accounts with a new XXXX dollar over draft! Its a vicious cycle! They have no leniency and on top of that im drained literally after the fees its like im taking 1 step forward and 3 steps back. I cant figure out how to get out of this. The company will split uo your payment but the only thing that does is adds to the balance which prolongs the loan and enevedably makes you more in debt, or option 2 they will change the date but that adds to your loan that way! There is no communication and it a poor sad company that is draining me and I don't recommend. Im extremely stressed and extremely behind!
11/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 76131
Web
On XX/XX/2018, I contacted cashnet via chat to get a quote on my payoff for my loan. I already had a scheduled payment to be taken out my bank account on XX/XX/2018. When I contacted the company in XX/XX/XXXX, I was quoted for the days XX/XX/XXXX-XX/XX/2018. I was quoted {$310.00} for XX/XX/XXXX, {$310.00} for XX/XX/XXXX, and {$150.00} for XX/XX/XXXX after my scheduled bank draft of {$160.00} making it equal to {$310.00}. I was told that I until Midnight of XX/XX/XXXX to make any of these payments for payoff by online or calling in. I decided to pay it off on Friday since a payment was coming out anyway. We are all human by working and dealing with life issues so I called on XX/XX/2018 at XXXX to make the payment of {$150.00}. I was put on hold and was on hold for over 2 hours. I stayed on hold because the payment needed to put in before midnight. While on hold I went on the website so I can make an online payment. To my surprise that wasn't an option. Also I see that the phone lines close at XXXX. So, I was on hold while no one was there!!! Why didn't the hold message say this or let me know it was closing soon. This is unfair practice and unacceptable. The phone lines should let customers know that the phones will be closing soon. There should also be an online payment option since this an online loan. I contacted the company by email with photos of my hold time. They responded by giving me a higher quote because a new day has passed. This is unfair because I called before the deadline and was put on hold and stayed on hold while no humans were there. And, I didn't see an option to pay online.
06/06/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 75238
Web
I learned in XXXX XXXX that a number of 'pay-day ' type loans, in various amounts, had been opened using my identity ( SSN, name, birth date, employer, salary, home address, etc. ) which was apparently stolen sometime during XXXX. To date I have learned of XXXX companies that have opened such loans, including : CashNetUSA, XXXX XXXX XXXX, XXXX Payday Loans, and XXXX. The loans do n't appear on credit reports from the major credit organizationsXXXX. This is concerning unto itself. The loans were opened on or around XXXX/XXXX/XXXX. I contacted each company as I learned of a loan. The companies were all circumspect about the respective loan and would not provide information to me unless I gave them privileged personal information. I refused to provide such information unless they could prove they already had it. I was harassed with phone calls sometimes on a daily basis if not more. Eventually, I learned in each instance these companies do n't actually do credit checks with the major credit services nor are the loans identified on the credit reports -- makes it hard to determine there are fraudulent loans when they are n't reported on your credit. I have opened an incident report with my local police department, opened a complaint with the FTC, and put fraud alerts with the major credit services. I have sent dispute letters to each company when I learn of the loan and how I can file a dispute. All MAJOR inconveniences. While I 'm concerned about the harassment I 'm receiving from these companies, I 'm VERY concerned about what I do n't know including other companies that may be using my identity.
06/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • IN
  • 474XX
Web Servicemember
First of all, I never filled anything out at any point in time for a payday loan on XX/XX/2022 or even within the last 5 months. I called XXXX to request that they delete my information they had on file and informed them that I never asked for them run my credit for a loan I never asked for. They told me they couldn't delete my information by law. When i asked them about the state statute or US code that covered that law i was told they couldn't provide me with that information. I asked to speak with a manager and was told there were no managers available and that one would call me back. That was literally over 45 minutes ago as i searched for this complaint and currently am writing it out. I asked for the employee 's information, name is " XXXX '' and she refused to provide me with her employee number, so i could report this to her manager that was not magically not available during the length of the call, which i extended on purpose so i could make sure to catch the manager. I asked again, why she couldn't erase my information, that i did not provide. Again she said it was the law. I again asked for the statute or code that covered this particular law she was referring too, nothing again. I informed her that i was going to be reporting her to the FTC and going to be getting a lawyer involved in the situation. I was denied again. I informed her that not only is this company stealing my information but that i was going to be pursing a law suit against her as well for also being criminally negligent as well by honoring my request to delete information that they were not entitled to per myself.
09/09/2023 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
  • NJ
  • 08046
Web
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
07/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • XXXXX
Web
Loan Summary ( Loan # : XXXX ) My account XXXX On XX/XX/XXXX I borrowed {$10000.00} on a personal loan at 34 % interest rate, I was desperate and needed the money. Biweekly payments are {$190.00} or {$380.00} per month. they only do direct debits and debit my checking account every other Friday, so, the date keeps changing, and so does the application of my payment- the amount of interest and principal keeps changing- this does not sound correct, but they tell me its because the dates change for the payments- that's complaint # 1 we need to look into- see my documents attached. # 2 on XX/XX/XXXX I made large payment of {$4000.00} to reduce my balance and interest, I did it with rep. who charged me to take the payment, he said that the balance, principal and interest would update automatically within 24 hours, they did not, see attached, so I have called them 3-4 times and they said they would send me a corrected payment schedule, but they have not despite my repeated calls and e-mails, this is illegal in the State of CA. Reg. Z demands that principal and interests payments and APR be reflected accurately on any loan. In one e-mail to me they said I had used an e-mail address not on file, so they would only respond to the e-mail address on file, I said fine. then after 2 days I called again and they said they would send it by Monday the XXXX. and on Sat the XXXX. I got another e-mail from them telling me that noting would be forthcoming because I had already spoken to another rep. they are usurious and dis honest and should be penalized. Pls. see attached Documents and e-mails.
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29461
Web
Creditor is Netcredit, They reported me to XXXX and XXXX as past due 30 days twice and 60 days past due only marking the account as affected by a natural disaster., when I had called in and made payment arrangements to keep my account current during covid-19 last year. I fulfilled my payment arrangements and brought my account current during the agreement period and paid my loan off in XX/XX/2020.I submitted to them complete copies of both credit reports. I received an email from them stating they will basically not remove the negative reporting and my account is accurate. This is the only account reported negative on my credit report during this time, which I had other accounts with payment arrangements during that time and fulfilled them to and the creditor reported me current. I expressed the CARES ACT Violation and I was told that nothing would be done to fix the reporting, though their record show I had an arrangement and fulfilled my obligations to the arrangement in the time frame it was granted. The negative reporting is as follows XXXX XX/XX/2020 / 30 days late, XX/XX/2020 / 30 days late, XX/XX/2020 / 60 days late. XXXX they reported the account XX/XX/2020 / 30 days, XXXX 30 days and XXXX 60 days late. They noted the XXXX account as 60 days past due XX/XX/2020 and 30 days past due XX/XX/2020 and XX/XX/2020. They did not report payments on XX/XX/2020 for XXXX. XXXX they did not report payments in XX/XX/2020, XX/XX/2020 or XX/XX/2020. I paid the arrangements per the agreement. On the XXXX report it stated XXXX as 60 days past due i the comments below Date closed.
09/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37343
Web Servicemember
My name is XXXX XXXX. I discovered a problem when I was denied a credit card from XXXX XXXX for a XXXX card on XXXX. They sourced that on a XXXX XXXX report, a company called Net Credit XXXX had reported a delinquent account was open in my name on XXXX. I call Net Credit and asked what this was about and was met with reluctance to help from their debt collecting department and fraud department. The only information they gave me was a mailing address, phone number, and email address in which the account was opened under. None of which were mine, all the while they kept asking me for more personal information. I told them I will not give them anymore of my personal information because if they can open account in my name ( without my knowledge and consent ), then they should have all they the information they would need on me already. So the call got disconnected and I was never able to get in touch with a representative because when ever I called they would hang up. I called XXXX XXXX ( XXXX and XXXX also ) and filed a dispute on the the debt as well as a complaint with my local law enforcement agency. About XXXX weeks later XXXX XXXX mailed me conclusion that side with Net Credit. I told them that I was not satisficed with the outcome and they reopened the investigation. I have also filed a complaint with the FTC. The other credit bureaus have not given me any findings yet. I was advised by the TN District Attorney XXXX Consumer Affairs to ad the CFPB to the list of agencies that I needed to report this matter to. The debt amount is {$3500.00} with an past due of {$640.00}.
10/26/2018 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
  • 76135
Web Servicemember
I received several calls from the number XXXX with no message left and a friend of my parents I haven't seen in 20 years received a call from the same number saying they were trying to contact me to deliver legal papers. When I called them back they would not give me the full name of their company, just Absolute. They told me they were collecting on a debt from Cashnet USA from XX/XX/XXXX. My wife and I were victims of ID theft in XX/XX/XXXX and this is one of the accounts that were opened in my name. I have provided Cashnet USA a copy of the police report several times yet they still sell this bogus debt to third party collectors. I asked " Ms XXXX '' at Absolute where I should send the ID theft docs and the police report and she said I wouldn't need to. Seems like they would need the documents since they claimed they have already started legal action and were looking to serve me with legal papers. I asked again for an address or fax number and she said she would send it to her fraud department and they would take care of it. There are two issues here. 1st : Cashnet USA is aware this was fraud yet they refuse to remove the debt and continue to use third parties to collect even though they know the debt is bogus. 2nd : The collection tactics used by this " Absolute '' company are a clear violation of FDCPA and UDAAP. They are threatening legal action when they really do not use legal action on their accounts. They contacted a third party and told him they were trying to deliver legal papers to me. They actually contacted him before they attempted to contact me.
12/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30144
Web Servicemember
I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.
06/12/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 67204
Web
A collection ageny continues to call my phone to reach my husband, XXXX XXXX. I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. I explained to them that my husband is in the hospital due to a XXXX XXXX and is unable to communicate at this time. They told me that the debt is owed to CashNet USA and in the amount of {$3000.00}. I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. I received XXXX more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. I let them know that I could pay {$85.00} per month on the balance until paid in full.. The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.
01/19/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TN
  • 37334
Web Older American
On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. During XXXX of my inquiries, when I wanted to know what my balance would be in about XXXX weeks from that date IF I did NOT use my flex loan amount to take out any funds from my account. I could not be provided that information either, but evidently the representative was slightly rattled and " almost ' '' told me what my balance would be on that date if n further transactions occurred. Seems t me if banks and credit card companies and and DO provide this up to the minute, real time financial data to it 's customers, there is no reason CashNetUSA could not do the same thing. What was the purpose, I wanted to know, in this " XXXX '' the company kept from it 's customers? As I saw it, the customer had the right AT ALL TIMES to know what their actual balance was. I got nowhere on any of my attempts and so I am brining my complaint to you. Frankly, I think CashNetUSA is taking liberties with the funds of its customers, but with so little forward and backward account documentation to go on, it is hard to tell. Is that perhaps, by design??
01/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • IN
  • 46350
Web
I opened a line of credit on XX/XX/XXXX. I took out a few advances, and have set up auto pay at beginning of line of credit. When I took advances off the line of credit, they took some money off out of the money I borrowed at beginning, and than they also charge money per each billing statement, which is twice a month, I am making payments in between pay dates, and they are not applying them to my principal, and taking almost 80 percent toward fees, and than postponing the extra payments for days, so the balance isn't decreased before the next statement date, however the money is deducted from my bank account the next day, and there computer system leaves it in pending so they can get more fees, I have also called and tried to get a manager on the phone and was refused and said I have to wait 24 to 48 hours, I also tried to make a full principal payment over the phone and my payment was denied, because they said they can't promise me the whole amount would go to principal payment, and my payment isn't due until XX/XX/XXXX, I had alresdy made a XXXX dollar extra payment, and they took fees from that also, and my payment was set up on auto pay, for the fees, so I told them all my extra payments I want directly to principal, and they refuse to fix it. Its only XX/XX/XXXX and I already paid XXXX dollars in fees, out of my extra payments. They are scamming people out of 100s of thousands of dollars, they try to hold off on putting payments through until after the statement for next billing cycle because the balance at billing cycle is what the fees are based on.
06/19/2021 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MO
  • 65803
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/2021 Cash Net USA XXXX XXXX XXXX XXXX XXXX, NH, XXXX Ref No : XXXX Dear Cash Net USA : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Missouri Attorney General. I have decided that I do not want to work with your collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease and desist letter. You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. Please give this very important matter the utmost attention. Sincerely, XXXX XXXX XXXX
08/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91711
Web Servicemember
In XXXX of XXXX, I applied for a loan with an organization called NetCredit. I was approved and the loan was funded. In XXXX of XXXX, my job was impacted by COVID19 and I reached out to NetCredit and asked them if they would be able to lower both the interest rate and the payment because the payment on this account is XXXX and I can not afford that at the moment. A representative from NetCredit responded to me stating that they do not lower the interest rates on their loans and that I could visit their website for payment assistance. I went to their website and on their website, the only option that I was given was to defer my payment by up to 20 days. I then continued to make my payment with the enhanced unemployment that I was receiving and when the enhanced unemployment ran out in XX/XX/XXXX I contacted them again and advised them that I was going to have to default on my loan as I could no longer afford the payment and again they referred me to their website and stated that there was nothing that they can do about the excessive interest rate that I was paying. When I applied for this loan I was not given a copy of the amortization schedule and at no time was I told that I would be paying over 85 % of my payment to interest. I never would have signed up for a loan if this were the case. Currently, I make a XXXX payment per month and XXXX of that goes to interest that I never was told about. The contract that I signed was online and it was very misleading. This matter needs serious attention as I know I am not the only consumer that they have done this to.
07/26/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • MO
  • 63118
Web
Net credit has a predatory loan business model plain and simple. On XX/XX/XXXX My ex husband needed an emergency medical loan for {$3000.00}. The fastest option was net credit at a % 150.32 XXXX rate. Sadly he took it under my name. This company was paid {$8000.00} from my account Between XXXX. On XX/XX/XXXX I made a {$1200.00} Payment under the assumption that this would take care of my balance. It didnt and they just piled on interest for another year & 3 months. Realizing this company has taken advantage of someone in financial trouble. I stopped all payments on the date of of XX/XX/XXXX. They then collected interest on the total for 15 extra months from the last payment date made to them. sold it to a collection agency in the amount of {$4600.00} to land on my credit report XX/XX/XXXX. Net credit solutions now shows another derogatory mark for this loan that claims to have been sold to them on XX/XX/XXXX. This company has haunted me and cost me so much XXXX anguish, sorrow & frustration. Now this loan has been sent to attorneys office of Arkansas as of XXXX years ago which I had NO idea about!! I had to call them! No response from net credit or XXXX XXXX. So I may have to go to court in Arkansas over this?!! Please help. This is absolutely disgusting as a consumer and this company needs to be questioned and investigated. They are supposed to collect from the date of the last payment made. They have lied and said I made a payment in XXXX. Not true. That has given them the opportunity to hold this over my head even longer. They should not be in business.
03/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33324
Web Older American, Servicemember
my account ( # XXXX ) with NetCredit was paid off through an agreement with XXXX XXXX XXXX. In reviewing my NetCredit Account History, the initial loan amount was {$5100.00} on XX/XX/XXXX. To date, I've repaid {$11000.00}, of which only {$1100.00} applied to the principal. In XX/XX/XXXX, through an agreement with XXXX XXXX, Net credit accepted a payoff balance of {$4800.00}, with a monthly payment of {$220.00} per month. XXXX XXXX XXXX, have informed me that my loan is now paid in full as of XX/XX/XXXX. The final payment of XXXX was posted on XX/XX/XXXX, to my NetCredit account. However, my account is still showing a balance of {$3900.00}. Not only is this paid off NetCredit continues to raise the reported balance on my credit report. This company continued to report false information on my credit report and refuses to remove it. It is reporting that I have been past due for over 180 days on this account for the last 24 months. This is impossible because they agreed to accept a monthly payment that was never late. I would like this account removed from my credit reports immediately. On XX/XX/XXXX, I reached out to NetCredit to resolve the discrepancies and misinformation in my account. They responded, " Thank you for contacting NetCredit. In response to your recent email, it is very important that we speak to you. Please call the Collections Team for further assistance with questions regarding your account. While I have noted your account, collection procedures will continue until an acceptable payment arrangement has been made ''.
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 631XX
Web
1st call made in XXXX XXXX XXXX and was unable to get a representative on the line. So I decided to call back in XX/XX/XXXX and was able to get a representative and decided to get on a payment plan for a settlement amount of {$2300.00} I made 1 payment on the plan and life hit me. I was unable to make the payments. XX/XX/XXXX I decided to pull a soft pull on my credit and seen Net Credit is still reporting XXXX late on my credit for the last 29 months. The account has not closed or went into charge off status it is still reporting open each month. I called and got this information. I got the loan in XX/XX/XXXX for {$2200.00} I made 16 successful payments in the amount of {$130.00} which is {$2100.00}. I currently owe {$5000.00} and they were really to settle for {$2000.00}. This is predatory lending because I owe {$58.00} from the amount paid and the amount borrowed. the rep said I had {$2400.00} in interest, {$2000.00} in fees, {$150.00} in late fees, and {$58.00} in return bank fees. I offered to settle the account for {$1500.00} and realized that was too much because I already paid off the loan besides {$58.00} and thats all i should be paying for the bank fees and late fees. which is {$260.00}. they will not accept my offer or stop reporting negatively on my credit report. i am trying to buy a house and refinance my car for a lower interest rate and this has been stopping me for the past 2 years. they will not do anything to remove, or stop this damage on my credit report and they are trying to take more money from me.
04/30/2015 Yes
  • Payday loan
  • Can't contact lender
  • TX
  • 75230
Web
i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
12/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 22193
Web
A rule by the Office of the Comptroller of the Currency ( OCC ), the regulator of the nations largest banks, effective last XXXX protects these predatory lending rent-a-bank schemes and overturn centuries of caselaw allowing courts to look beyond ruses to the truth. In Virginia, The measure caps the interest and fees that may be charged under a short-term loan at an annual rate of 36 percent, plus a maintenance fee ; increases the maximum amount of such loans from {$500.00} to {$2500.00} ; and sets the duration of such loans at a minimum of four months, subject to exceptions, and a maximum of 24 months. Short-term loan licensees are required to make a reasonable attempt to verify a borrower 's income and may not collect fees and charges that exceed 50 percent of the original loan amount if such amount is equal to or less than {$1500.00} and 60 percent of the original loan amount if such amount is greater than {$1500.00}. The measure amends the requirements for motor vehicle title loans, including requiring licensed lenders to use a database to determine a prospective borrower 's eligibility for a loan and prohibiting loans to a borrower who has an outstanding short-term loan. The measure sets a 36-percent annual interest rate cap on open-end credit plans and allows a {$50.00} annual participation fee. A violation of these provisions is made a prohibited practice under the Virginia Consumer Protection Act. I would like Netcredit removed from my credit report for violating the Virginia Consumer Protection Act.
11/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • DE
  • 19805
Web Older American, Servicemember
I received an email stating that I was declined for a loan from NetCredit.com because they could not validate my information. I did not apply for this loan and received no funds. I reached out to them to notify them of the fraud and to deleted the account and rescind any credit reporting they may have submitted to the bureaus. They immediately declined and told me I had to submit a police report before they would take any action ( they even asked me to include my current banking account information in that report?? ). They told me that because of their privacy policy, which I consented to when I applied for the loan ( even though I just told them I did not apply for the loan ), they could not delete my personal information ( though obtain fraudulently ). I asked if they could at least provide the last four digits of the bank account that would have gotten the loan, and they have not responded. I just wanted to verify it wasn't a current account. I then simply went on their website, signed in ( after updating the password ), and got the application and the information I had asked for ( that's just poor customer service imo. They could have instructed me to do that on my own ). I determined on my own that the application had very old account and telephone information, and got the IP address the applicant used to apply ( turns out it was from a XXXX XXXX XXXX XXXX in NY. I worked for XXXX for almost 20 years, but left in 2022 ). They have yet to provide me with any assistance and I have escalated my complaint.
06/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29926
Web
On XX/XX/2019 this company CashnetUSA removed over {$500.00} from my personal bank account. I called my bank to tell them this was a fraud and the bank canceled the transaction. I called this company CashnetUSA to ask them what they were doing and they said they were collecting on a loan. I told them I have no loan with them and asked how they got my personal banking information and they said from an online application. I told them I didn't do that and to stop from emailing me, calling me and trying to collect from me as I have no account with them and never had. The following month XX/XX/2019, they attempted to debit my account again for over {$500.00} to which my bank stopped that transaction again. I wrote to them to stop this activity and asked them to tell me how they have my personal information and the response I received was ; " If you think this was fraud, file a police report and send us that information '' Seriously? they obtained my information fraudulently, have no methods to stop online hacking or they perhaps have underhanded employees and I'm supposed to go out of my way to substantiate their illicit activities? I think not! To this day I receive demanding emails and phone calls every single day. I want this company to cease and to advise where they obtained my personal and private information. I have filed complaints against this firm and see attached online comments about them. The internet has pages regarding this company. XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX
05/31/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
NOTICE TO CEO & CFO OF NETCREDIT LOAN SERVICES LLC CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. NETCREDIT CEO & CFO claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO NETCREDIT CEO AND CFO TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS. NOTICE I am requesting an updated copy of my credit report.
01/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 08721
Web
I am filing a complaint against NET CREDIT as I have tried on numerous occasions to reach someone with authority at this company about the issue at XXXX I had my account set up for automatic withdrawals for payments on my loan, so for a reason I contacted them to change my date, the representative was rude & unpleasant and gave me a hard time, and would not change my date..From that day forward I was not aware that he removed my banking information from my account without my consent or authorization..He had mentioned that I can do the payments my self if he removes my automatic payment..I advised I did not want to do that..Until further later that my account went past due had I realized he removed my banking informationSince then Ive tried to log on & make my payments, in fact it doesnt let me add my account back on nor even make a payment..Ive contacted this company on several occasions to help me with this issue & to no avail they tell me a manager will call me back within 48hrs no one calls backIve also sent emails which I can supply proof if needed again no response, in the meantime they want to report to the credit bureau that Im not paying when in fact I have tried..I need help with this matter as this is jeopardizing my credit..Please also advise them to pull the tape of my phone call with the gentleman, which they will be able to listen to that I never never gave him consent or authorized him to remove my banking information, which is what has caused this whole messThank you
12/22/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • AL
  • 360XX
Web
I am XXXX and have recently gotten into a financial bind. I have been using payday loans to the point to where it had to stop. I am going to use " Legal Advocates for XXXX and People with XXXX ''. They told me to stop payment on the payday loans and as soon as I could give them the 1st of 4 payments of {$62.00} totaling {$250.00} they would get started working with me. I went to my bank XXXX and had them to stop payment to CASHNETUSA, XXXX and XXXX. The money was still taken out of my account yesterday. I receive XXXX benefits of {$XXXX} every XXXX Wednesday of the month. XXXX sent an email stating that the amount they would take out was {$350.00} but actually took out {$330.00}. CASHNETUSA sent an email saying they were taking out {$740.00} for a line of credit of {$2000.00}. I told them I could not afford that so they changed it to {$240.00}. Well guess what!! They took out the {$740.00}. That left me with {$150.00} to last until I get my next XXXX check on XX/XX/2017. The bank refunded the charges for stopping payment but they said the reason the money came out any way was because the amounts were different than what the loan company told me. What is the world am I going to do now. I have bills to pay and ca n't pay them. Not being able to buy XXXX either. My Mom is XXXX and I ca n't even give her a gift. I called XXXX and explained the problem and they looked it up and told me to tell my bank to reject the money from being taken out and XXXX said they ca n't do that.
09/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • AL
  • 36092
Web
I applied for a LOC with CashNetUSA online and was excited to start rebuilding my borrowing access to different companies. I did not realize that making a payment, the amount only goes towards fees and interest, nothing on principal. When I realized this after the first payment was made on XX/XX/2021, I contacted the company via chat and email. I asked to change biweekly payments because I can not afford to pay over $ XXXX {$700.00} a month. After all, the payments vary. The company communicated back with me and said it's nothing they can do. Therefore, I expressed again that I will not be able to pay and requested the LOC to be closed to stop fees from incurring, but I was told nothing can be done. I was disappointed with their response and did inform them that I would reach out to other consumer agencies to ask for help in getting this rectified. I just got the LOC approved in XXXX, and made the first payment as it was set, but when I realized how much biweekly because the second payment increased over {$100.00} more than the first payment, I knew this will not be affordable to pay biweekly. I even asked for a once-a-month payment in a lower term but was told this is not possible. I don't want to let the loan go into default but with no other choice, I will have to let it default and pay on it once a month. I am reaching out for assistance to get this account closed with an affordable once-a-month payment and no more fees or interests be added to an inactive account.
08/05/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WA
  • 98109
Web
I got a letter from XXXX XXXX XXXXXXXX XXXX stating it was their second attempt at contacting me. I never received a first attempt. They say I took out a payday loan with CASHNET USA online without providing any prof of debt. They stated that I obtained this loan and immediately closed my bank account. I have had this bank account since 2008. If I did somehow get an online payday loan from a bank account from before 2008 it is well past the collection cutoff for Washington state, which I have lived in for 20 years. Furthermore they are arguing that since I " closed '' or changed my bank account they are accusing me with malicious intent to commit fraud and intend to add this to a civil lawsuit if I don't sign into their website to pay them money which I have received no proof of owing. I don't even have a date of when I supposedly took out this payday loan. They never state clearly that they are going to send me to jail but the language they are using is threatening and meant to intimidate. They state in their letter they have the right to subpoena references who will testify against me if this goes to trial but instead of naming any they put on the letter " undisclosed ''. So they are using words like malicious intent, fraud, subpeona, " witnesses testifying against me '' and trial for a supposed payday loan for under {$500.00} I supposedly took out and then I supposedly closed a bank account to avoid paying them. Again, no dates of this loan, no details. Nothing.
04/29/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • KS
  • 66030
Web
I had a loan with Cash Net three years ago. My motherinlaw paid the loan in full to Cash net. For three weeks after, Cash Net continued to debit my account for the amount of the payments. Cash Net was contacted, sent copies of the cancelled check, but still refused to quit taking money from my account. I wrote them a letter and included a copy of the cancelled check and they then sent my account to XXXX collection agency. They called me today and their agent, XXXX XXXX, told me if I did not pay them XXXX right then, I would be arrested and could be detained for up to 60 days unless a judge allowed bail. They then said that they would settle for XXXX at XXXX. I tried to explain to them that the debt had been paid, proof had been sent to them, and the agent then said he was a mediator and not a collection agency, yet he refused to listen to what I had to say. I then paid the {$700.00} due to a fear of being arrested. I have proof of payment so now Cash Net has been paid XXXX times for the same debt. I then asked to speak to the supervisor, XXXX XXXX, who said she would look in to what the agent said but that if they debt had been paid, they would not have been contacting me. What are my options now for getting my money back and for being threatened with arrest and detainment since I have since found it was illegal for them to do and illegal for Cash Net to continue to harass me after I provided proof the debt was paid in full? Cash Net needs to be out of business!!
01/03/2022 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
  • Their investigation did not fix an error on your report
  • CA
  • 90804
Web
I was contacted by a notice by NC FINANCIAL attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actins. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
04/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91304
Web Servicemember
It started XX/XX/XXXX when I called and spoke with XXXX XXXX. I told her that I was having trouble making the payments due to income change and NOT to debit my account on XX/XX/XXXX for the $ XXXX-I 'd have to make a payment another way. She then sent me an email with other payment methods. On XX/XX/XXXX Cashnet debited my account anyway which also got me a {$34.00} NSF fee. I reached out to Cashnet and with much back and forth they said because I didn't respond with a payment method and the payment wasn't received they debited my account. All of that created a further hardship. I called today and spoke with XXXX XXXX telling her I could not make the upcoming XX/XX/XXXX payment due to no longer working full time. I asked if a payment could be moved to the back of the loan and she said no. She offered me 2 options, a double payment on XX/XX/XXXXor a XX/XX/XXXX payment of {$51.00} on XX/XX/XXXXthen another {$51.00} plus the scheduled {$200.00} on XX/XX/XXXX. Those are just not feasible. I want to repay the loan of {$2600.00} which is the amount I received. I have made 2 payments so far ALL going toward interest NONE to the principal. I won't chose between paying this loan and whether my family eats. I have ONCE again withdrawn consent from them to automated debit my account based on what happened on XX/XX/XXXX. I would like to pay something each pay period but I can't do {$200.00} twice a month right now while I transition from full time to part time.
12/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30307
Web Servicemember
I am a XXXX year old XXXX XXXX veteran who was hospitalized in XX/XX/XXXX. I was also laid off work, and needed to get caught up on my rent. I contacted Net Credit to obtain a loan for {$5500.00} in XX/XX/XXXX. I was initially made aware of the interest rate as being a little over 16 % APR. I've been making my payments on time for well over a year, and have paid {$5800.00} to date. I contacted Net Credit on XX/XX/XXXX to ask about the status of paying off my account, and was informed that I am having to pay over {$11000.00} to borrow {$5400.00}, making the total go well into the {$16000.00} range until XX/XX/XXXX. A representative informed me toward the end of my call ( after hearing my distraught ) that I could close out my account that day if I paid {$4900.00}. Also, I was informed my interest is 57.81 % My account number is XXXX, and my name on the loan is XXXX XXXX ( I had a name change after divorce. ) I feel that I was deceived with a predatory loan, as I was not made aware in plain view, up front, of the amount I would have to pay to borrow money. Had I have known that I was going to be forced to pay three times the amount I was trying to borrow, I would have sought assistance elsewhere. I am working in law enforcement now, and am considering filing bankruptcy to resolve this issue. I would really appreciate some help with this, and I can prove that I have paid more than I have borrowed. I do not want this company to do this to others.
04/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 32244
Web
It was false advertising and they took my personal information and my bank account information. I asked if they can delete or cancel my account with my bank account information and they said No. I need my account deleted since I will not be using the account at all. They were very misleading with getting a line of credit. Dear XXXX XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. In regards to your recent inquiry, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. Be assured that we take data security and privacy very seriously and safeguard all information that we obtain. For more details regarding the collection and use of customer data, you can review the NetCredit Privacy Policy at https : //netcredit.com/privacy-policy. Each NetCredit customer acknowledges that he or she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website. If you have any additional questions or concerns, our customer support team is available Monday Friday, XXXXXXXX XXXX XXXX and Saturday - Sunday, XXXX at ( XXXX ) XXXX. You can also sign in to view your account details online at any time. Sincerely, The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com
04/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29488
Web Servicemember
The account with NETCREDIT account ID XXXX was paid in full with home the refinance XX/XX/2019. The company continues to report the account as past due XXXX which is a lie. Recently I contacted NET CREDIT and received an email regarding account ID XXXX stating I was due an overpayment of XXXX from the payoff. However When I pulled up the contract, they have stamped the account paid in full XXXX. I have not paid any funds or paid any amount since the account was paid in full XX/XX/2019 and was a current account. This company has me past due for 28 months after the account was paid in full. I have the paid check from the attorney, the email that they owe me money, and a stamped PAID contract with the incorrect date. This date of XXXX is a lie and they are misrepresenting the date of payoff and also, How could I be late when they have sent me an email stating they they have been trying to send my a refund check. If they were over paid during the refinace how can they continue to show that I am late. This company if NOT following the guidelines for Fair Credit reporting and. I have contacted all XXXX credit bureaus and XXXX said that the dispute is closed due to the company report the balance of XXXX as correct and I also sent them documentation but they will not do anything about it. I told XXXX that I was report their action too of not following up with the documentation sent to them to have the account corrected or removed from my credit report.
03/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19720
Web
on XX/XX/XXXX, I applied for a loan with Cash Net. The loan was in the amount of {$2600.00}. After being approved. I gave my bank information to have the money taken out. I received a contract stating Cash Net would take out {$200.00}. I was under the impression it was a month, then the contract stated every 2 weeks. I was mislead!! I took out the loan because of having to have XXXX XXXX on XXXX XXXX for XXXX. If I did not have the XXXX, I would have lost my XXXX. The facility I had the XXXX did not tell me they did not accept payments until a week before the XXXX. I needed {$2500.00} on the day of XXXX. I have been paying this loan because of fear to mess up and have legal fees. I can no longer pay this loan. I am now on social security, and had been paying since XX/XX/XXXX the amount of {$200.00}. I sometimes would defer my loan until the next week because of not being able to pay my rent. When I read the contract, it stated by the end of my loan on XX/XX/XXXX, I would have pd. Cash Net {$8000.00} ... .I do not have this kind of money. This is highway robbery!! I already paid Cash Net {$2400.00} to date, and on XX/XX/XXXX Cash Net is taking out double payment of {$410.00} out of my bank account. I am the sole provider. I have no one. I've already made 12 payments, and can no longer do this!! Cash Net is charging 185.11 %. Taking advantage of someone in desperate need of a loan. I realize Cash Net must charge interest, but 185.11 % is crazy!!
09/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OH
  • 432XX
Web
On XX/XX/2023 I opened a line of credit with Net Credit. My first initial cash advance was for {$2500.00}. Only {$2200.00} of that was deposited as of XX/XX/2023. This represents a 10 % margin on the loan. The unfair aspect of this is that the {$250.00} fee is also added to your cash advance and charged interest. The disclosures for the total APR were not provided in a transparent or standard way consistent with the CARD Act or similar legislation. The company uses fairly complicated and possibly deceptive disclosures to hide how high the APR is for this product. Additionally, it appears finance charges are charged for cash advance fees. IE, they bill you not only for the fee, but interest on the fees itself. The disclosures are opaque and do not seem to provide a transparent understanding of the fee structure. Had I had known the APR would be so astronomically high, I would have never borrowed from these folks. Even competitors like XXXX offer similar products for substantially lower APRs. Moreover, they use 2 billing cycles in the same month to repay this loan. For one half month period, at a cash advance balance of {$3900.00} ( which includes fees they charged ), they charge {$200.00}. For one month, that's {$400.00}, close to 10 %. That would be an effective APR of 120 %. This is never disclosed clearly in their disclosures. Had I understood this earlier, I would have never borrowed from this company. These seem like violations of UDAAP.
05/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • UT
  • XXXXX
Web
I utilized a debt relief company to settle with this company as I knew there'd be no way they would be reasonable dealing with me directly. I wasn't up for fighting and arguing with them. I purposely used a co. that makes monthly payments as opposed to the scam operations that just keep taking your money while further damaging your credit and creating too many other problems. I spoke to the collections dept. at Net Credit last year when they sent me a conf. email that they'd received a pyt. Highly unnecessary as I already know when the payments are being made because I'm making them to the debt relief co. monthly. The conversation I had with them entailed when they would show the debt paid off & settled. They told me 60 days after the payment posted. Well they were paid off on XX/XX/2021, well past 60 days. Yet the account hasn't been updated at all on my credit. I am demanding that they do as they promised verbally and update the account. If they choose to ignore this request I will push to have it removed from all of my credit permanently because the info reported is in fact incorrect! It had better not take another 60+ days to do so either. They need to do it now, they didn't cut me any slack when they shamefully refused to charge off the debt, continued to charge me interest monthly to the tune of over $ 13K! So I'm not cutting them any either. I will force them to remove it from my credit or sue them if need be. Their choice!
02/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • XXXXX
Web Servicemember
I took out a loan with this company on XX/XX/XXXX for {$3300.00}. I paid my payment on time for several months. I then hit a financial hardship due to a health condition ( that is still on going ). I tried to contact the company for several months to set up a payment plan and they would not respond. Finally I got through to them and this is their response : " Date Arrangement is set up : XX/XX/XXXX Thank you for contacting us to set up a payment arrangement for your loan # LOANNUMBER which has been accelerated. Our records indicate you have a past due balance of {$9500.00}. This payment arrangement will replace any existing installments or scheduled arrangements outlined in your original contract if adhered to and can not be changed or canceled. The plan we have setup is detailed below. {$120.00} due on XX/XX/XXXX via DC and $ 125 monthly through XX/XX/XXXX. '' I did some research and was shocked that they are charging me {$6200.00} in interest. If I could have afforded this amount, I would have paid it much sooner. They are scam artists who play on individuals. Payday loan lenders are " sharks '' and I made the mistake of going with this company. They just keep taking advantage of the consumer even when their is a true hardship. They do not care. I agreed because I did not know what else to do. Since I have researched I need help in getting the finance charges removed. I own the debt but can not afford all that interest.
10/16/2021 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MO
  • 63020
Web
CashNetUSA XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. CashNetUSA LLC, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXXXXXX XXXX I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to XXXX XXXX, XXXX on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today XXXX XXXX XXXX, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting XXXX XXXX website, I couldn't even find the case file. XXXX XXXX XXXX, also stated their client who I presume would be CashNetUsa, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
06/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 19426
Web Servicemember
I spoke with a XXXX on XXXX XXXX XXXX and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my XXXX XXXX XXXX XXXX XXXX which has an effective date of XX/XX/XXXX through XX/XX/XXXX , however I am converting to XXXX XXXX XXXX effective XX/XX/XXXX through XX/XX/XXXX because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on XX/XX/XXXX . I explained to them I 'm covered under the act because I will be XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my XXXX XXXX dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on XXXX XXXX XXXX paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The Military Lending Act as well. I 'm getting ready for my XX/XX/XXXX XXXX XX/XX/XXXX and this loan is XX/XX/XXXX me out.
01/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • XXXXX
Web Servicemember
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : CashNetUSA. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
10/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 368XX
Web
I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.
05/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91362
Web
I took out this HIGH ( extremely high and unlawful ) loan@ 65.02 % (! ) APR in XXXX of XXXX. I am on XXXX XXXXXXXX and do not work anymore since XXXX of XXXX. I was receiving {$7600.00} per month up until XXXX of this year from 3 insurance companies. At which time one of them stopped paying me and my monthly benefits became less by {$3900.00} down to {$3600.00} per month. I have been contacting NetCredit since that time and asked them ( after explaining what happened ) to help me with lowering payments and interest rate till I resolve my situation. NetCredit refused to cooperate with me, they refused to make payments and interest rate lower. They kept telling me that my account is NOT delinquent enough for them to consider helping me. I kept calling and calling and calling- they refused to help. Today they reported my account late to the credit bureau 's. My score dropped by more than 33 points as a result. I called them today they offered to have payments reduced in half for next 6 months but they also stated that they will be reporting late to all the bureaus through out this time even when I make 1/2 payments that they offered to me. I am asking for CFPB to interfere and stop this madness!!! They shall not be allowed to charge such a high rate APR and not to cooperate with customers in the hardship. They are also shall not be allowed to keep stating I am late if I will be making monthly payments offered.
03/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23235
Web
I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity.
05/18/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 23060
Web
My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.
01/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23234
Web
I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX on XX/XX/XXXX which also references the Federal Trade complaint on NC Financial/Net Credit Accounts. I sent XXXX a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX still refuses to remove the incorrect information. I have also tried to contact the company NC Financial/Net Credit several times and on the same days as XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
09/21/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30297
Web
I attempted to contact company several times to attempt to settle the debt since i was no longer able to make payments due to XXXX. I made payments based on what i could afford until i was not able to make payments when corona hit. I talked to several different reps who told me that I could not settle and make payments until it was down until i could pay off. The company is very rude provide inaccurate information from rep tp rep and calls 5 times out the day and when i answer the reps always hang up. My contacted company on XX/XX/2020 and advised that i previously requested for a settlement that i could pay for about 2 months and then pay off in which the rep agreed and told me she could not send me nothing in writing but to log onto account and it would be there, I checked the account several days before attempting to contact company again just to find out the information given was inaccurate again and that i could settle but i have to pay upfront and that my account do not qualify to settle and make payment for 2 months and then pay remaining balance I asked for proof in the contract where it stated that ( in which i didn't get ) it does not state that in the contract. The rep told me that the account has to accrue more interest before i could settle and make payments. I find that rip off and hideous and is not disclosed upfront. I just want to settle for the XXXX and make payments for 2 months and payoff
10/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • AL
  • 36116
Web
To whom it may concern, I attempted to extend my credit for {$20000.00} on XXXX XXXX, 2022. The Truth in Lending Act pursuant to 15 U S. Code 1601 ; it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I am aware of your company 's discriminatory practices, as well as your unlawful and unjustifiable means when making decisions. I performed a consumer credit transaction and was denied my right to an extension of credit through you ; creditor after applying in good faith which violates 15 U.S. Code 1691 ( a ) ( 3 ). A transaction took place using my credit card as per 15 U.S. Code 1602 ( l ) and I the consumer never benefitted which violates 15 U.S. Code 1602p. As a consumer, I am protected by XXXX XXXX Chapter XXXX. Pursuant to 15 U.S. Code 1692c ( c ) ( 3 ), I am hereby invoking my specified remedy as a consumer and the original creditor : 1. Grant me my right to an extension of credit. 2. Report all payments as paid in full, satisfied. 3. Deletion from all consumer reports. Failure to honor the demands provided within 14 days of receipt of this notice may result in litigation. Kind Regards, XXXX XXXX Without Prejudice XXXX XXXX
10/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WI
  • 53217
Web
I got hacked I had two security breeches in XXXX they got my drivers license number my social my email password my address everything from the XXXXXXXX XXXX. Then I had another breech from an unknown breech. They took out an installment loan using my info and my fiancs info too he got hacked too and they combined the info and had the mailing address to my fiancs XXXX XXXX business store that is public and his email but it was only in my name and they also had his old cell number that wasnt even on then. It was an installment loan which I would never get I would never be that stupid.. The cash net USA just called me this week told me to make a police report within 7 days and get proof they sold it to collections XX/XX/XXXX thats when I found out about this its XXXX dollars in collections. Someone did this and its fraud and theft. I dont want this on my credit report they marked it as theft but they havent decided on the case yet but if I had to pay some money just to make not go on my credit on would because Im about to get a house and a car and even if they would prove that its fraud because the cash net USA loan had the bank account it was connected to it they wont give me the name on it so hopefully you can look into this and they transferred to XXXX XXXX to pick up the cash right away so hopefully they have the records. I have another loan that was taking out from XXXX but Ill make another complaint.
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 450XX
Web
Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between Netcredit ( XXXX, IL ) and XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both Netcredit and XXXXXXXX XXXX XXXX XXXX XXXXXXXX have refused to correct this matter. Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX XXXXXXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help me.
01/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 711XX
Web
Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!
08/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 95831
Web
I was applying for an installment loan online on XX/XX/2018 and called to speak to a rep. The loan was {$3200.00} and the payments were going to be about {$430.00} a month. I told the rep I could not afford the large payment amount and asked if they had a smaller loan. The rep said no but said they could give me a 50 % discount and said that someone would contact me to apply it. So I went ahead and processed the loan with that in mind. With a 50 % discount that would knock off a lot of interest and lower the payment. Well that's what I thought. Then no one ever contacted me to apply the discount, so I called the company about a week later and they said no, it's not a discount, it's a rebate after you pay the loan off. This was very misleading and I would not have signed up for the loan if I knew it was a rebate and not a discount because as I said to the rep I could not afford these high payments. The rep never said the words rebate. Rebate would have signified to me that I would get money back after the loan is paid off. But she said discount. Now the company is saying they can not give me the discount and I have to pay off the loan to get the rebate later. I was misled to apply for a loan that would offer a 50 % discount. This was faulty marketing to get me to sign up. The rep knew I could not afford the payment as is. Not even with the rebate which she never mentioned.
04/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 640XX
Web
I have made 2 att empts with this company to try and settle this outrageous loan. They deny to help or settle in anyway. I sent them a hardship letter pleading to settle this debt as I can no longer make the full payments as being in hardship and a single mother of XXXX now. They would rather me not pay and it go into collections than try to b e CIVIL in this matter. This company should be shut down as it prays on poor desperate people who either have no choice at time or do not understand. They are rude and very unprofessional! I feel they have very bad business practice, and I feel there should be a law against these kinds of companies! I made a very good offer to pay the EXACT amount I was lent no more no less. But again they would rather not be paid and hurt me and others more by not helping in anyway! At least I have 2 times now tried to settle this, now I 'm almost 2 months behind on this loan after NEVER being late once! Horrible I burrowed {$5400.00} have pain back {$2200.00} and they show I still owe {$5100.00}? so out of {$2200.00} worth of my money I paid them, they are showing I still owe {$5100.00}? NUTS!! So meaning only {$340.00} of {$2200.00} has gone to my principal! JUST SICKNING! I am willing to go to the news or court to file a complaint against this company and help warn other people! Desired Resolution : Billing Adjustment Desired Outcome
04/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 23608
Web
I have used XXXX multiple times before for loans and refinancing of them, all of which were paid in full. After refinancing a loan as I had previously done, I contacted XXXX on the XX/XX/XXXX because I could see TWO loans on my credit report and I was receiving emails regarding a past due balance when I only had ONE loan. The XXXX customer service rep advised the following ; Looking further into your question regarding the two loans that are showing up on your credit report it is showing due to you refinancing your loan is the reason it's reporting that at this time as soon as your loan is paid off it should reflect as only one loan. I continued to make payments and paid the balance in full on XX/XX/XXXX. When I log into my account it shows no payments are due and that the loan is paid in full. ( I can not make any payments online because there is no outstanding balance ) I have now received a XXXX in the mail on ( XX/XX/XXXX ) for a cancellation of debt. XXXX have reported to the IRS that they have canceled {$1200.00} of debt. I have contacted XXXX multiple times to resolve and am having XXXX cooperation. They said they conducted a thorough investigation ( yet provided no details of such ) and have said that their records are correct. I complained via the XXXX ( complaint ID XXXX ) and they have pointed me in the direction of www.consumerfinance.gov.
10/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23669
Web Servicemember
Borrowed {$1400.00} in XXXX XXXX. Paid XXXX payments of {$110.00} = {$1100.00} ) Per online, balance is currently {$1400.00} as of XXXX XXXX ( Over {$1200.00} in interest ). However unsure of TRUE balance since last payment made in XXXX XXXX. Was unable to keep up with payments due to XXXX income ( was unemployed for 10 months- catching up on past debts and medical bills ). Several attempts were made to set up payment agreements with NETCREDIT via XXXX XXXX XXXX in XXXX XXXX, but Net Credit did n't agree. My intent was to pay this loan and to work out some agreement because I could n't afford the {$110.00} per pay check. NET CREDIT not only did n't accept the pay agreement, but they updated my credit reports to reflect 180 days late as of XXXX XXXX, which is detrimental to my score. I am willing to pay the balance owed of {$1400.00} if NETCREDIT agrees to update my credit score as paid, NEVER late or REMOVE the item ALL together from my all XXXX of my credit reports. I was NOT aware the interest on {$1400.00} would be {$1200.00} ( almost the amount of the loan ). I would have NEVER agreed to this loan. I am a veteran and XXXX civilian on a tight budget. This interest charged on the loan is hideous. I could have borrowed that amount from a local bank/lender and not have that much in interest. This is a horrible way to take advantage of those that are in need!
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 20147
Web Servicemember
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXXXXXX XXXX Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. XXXX Account Name - XXXX XXXX Account Number XXXX Account Name - Net Credit Account Number XXXX, has violated my rights. XXXX Account Name - Net Credit Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. They problem still planed to collect another {$1300.00} to get {$3300.00} for the {$1800.00} borrowed. Outrageous! OnXX/XX/XXXX I filed a CFPB complaint about the excessively high fees. CashNetUSA reaches out to me and a payment arrangement was proposed. At this time it is important to note that I had missed no payments. I was now to pay {$550.00} with my next payment not due until XXXX XXXX. The same day this arrangement was made CashNetUSA sent me an email filled with fraudulent information! It stated : * As a result of several missed payments ... LIE! I had missed ZERO payments! * the full outstanding balance of {$1400.00} is now due and payable ... LIE!!! I was to only owe {$550.00}. I immediately contacted the company to dispute the above. I was told Please ignore the email that was sent today XX/XX/2020. I was expected to simply ignore their attempts to scare me into paying {$1400.00} ... which you can see is MORE than the {$1300.00} I originally was told to pay and nearly TRIPLE the {$550.00}. Due to this FRAUD and harassment, I ask CashNetUSA to accept ONE FINAL payment of {$350.00}. CashNetUSA will then have received {$2300.00} for the {$1800.00} borrowed ... {$540.00} in fees which is a rate of 30 %!!
11/23/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 425XX
Web Servicemember
XXXX XXXX XXXX is trying to collect a debt that was turned over to them from 12CASHNETUSA that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.
07/19/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35215
Web
I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
08/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • VA
  • 225XX
Web
I applied for a small line of credit from Netcredit.com. I am salaried and have a stable job history and provided all requested paystubs and bank statements so income could be verified. I was turned down the first time due to unable to verify income which perplexed me because everything was submitted, even MORE paystubs going back further than required. This turn down was Monday. I called and spoke to someone Tuesday who started a fresh application and said no problem looks like everything is here I will place a note for underwriting that youve submitted all the documents already to portal. Next day, happens again. Same turn down reason. Ive spoken to two reps, sent numerous emails for specific reasons as to how or why this turndown reason was chosen since its invalid on its face. But no one will be clear with me or have any member if leadership call me back. They didnt choose a credit related reason because I have average credit but everything I pay I pay ON TIME. I dont even have a mortgage. Just a deed to my home. Theres no reason for this turn down. I have records and more details. Something is fishy and I dont know if its because I said no coborrower and that I dont want my husband in the loan, or if its something else this same underwriter refuses to say. I just know this is some kind of violation and I want this made right.
06/05/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MD
  • 21061
Web
Earlier today I received a phone call in regards to a pay day loan from XXXX from Cash Net USA I want them reported. Not only was I disrespected but I was threatened. I was told that I would be arrested at my place of employment within XXXX hours if I did n't pay {$500.00} at that moment. This was after I received a phone call from XXXX and a voicemail message to return the call. The XXXX I called I spoke to a woman I do n't remember her name. She recited to me my email address XXXX of my former addresses and the last XXXX digits of my social security number. She became short with me when I told her I did n't have {$500.00} today that 's when she told me I would be arrested at my job. The XXXX time I called I spoke to a gentlemen who was very rude and threatened to have me arrested after I offered a payment plan option I could only afford {$50.00} and I was told I needed to get back to work and get the money and if I did n't have {$210.00} now by XXXX the close of business I would be arrested after my information was sent to the States Attorney Office. I have no problem paying a debt if I owe. I will not be disrespected or harassed to do so. If these people had my email address how come since XXXX I have n't received an email or anything stating an attempt to collect a debt?? Please report these people. Thanks for reading this email.
03/23/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21213
Web
I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need.
09/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38401
Web
I Have sent a letter and called CASHNET USA to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from XXXX XXXX XXXX : Alleged acct number XXXX To whom it may concern : I have received a notice from XXXX XXXX XXXX for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding CASHNET USA. I have NEVER had an account or heard of CASH NET USA. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. Following the conclusion of your investigation, please send me the results of the corrections via MAIL. Thank you, XXXX XXXX
05/09/2018 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
  • VA
  • XXXXX
Web
XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT XXXX REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL
07/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 363XX
Web Older American
RE : 149 % Loan Interest/NetCredit Mr . XXXX XXXX, I acquired a loan of {$2000.00}, ( Loan # : XXXX ), with NetCredit on XX/XX/2019, at the time I had " 3 '' major catastrophes within a year. I contacted your company thru an email referral from my mortgage company, XXXX XXXX. Given the exorbitant interest rate of 149 % I ultimately completed and returned your documents in hopes that a financial opportunity would present itself shortly ... it did not. To date I have made " 9 '' payments at {$260.00} ( monthly ) for 9 months, a total of {$2400.00}, making my interest rate 46.308 %. Even this seems to be a usury amount. I filed a complaint with the attorney general 's office ( in Alabama ) and you responded with a letter. To summarize your letter from my reading it states " she knew what she was getting into when she took out the loan ''. It sounds like " loan sharking '' to me. I really did not think the state of Alabama would allow such usury financial practices in our state which is why I opened a complaint with the attorney general. Given the response from the attorney general, my remedy is to contact an attorney, which I plan to do this week. I am writing this letter as a complaint to your company but also as a notice to political agencies who may be unaware of your business practices in Alabama.
01/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30033
Web
I have had this loan from XX/XX/XXXX and then refinanced in XX/XX/XXXX. I have been paying {$100.00} as of XXXX of last year ( XXXX ) for 2 years. My interest rate is through the roof at 56 % and I have seen no change in my principal balance. After doing my own research, I learned that most financial institutions have interests rates between 3-36 %. There was one instance ( XX/XX/XXXX ) where I called to start really attacking my loan principal to pay off the loan early, I paid an extra {$50.00} and it did not go to the principal. I then called to talk to a rep and they said they don't know where an extra payment will go because it is computer generated. This is a predatory loan, I have contacted other financial institutions to get this refinanced to pay off so that I can actually pay the loan off and have a guarantee that if I make an extra payment on top of the original loan payment it will go to my principal. At this rate, this loan will never be paid off. From the payments, I have made since the inception of the loan I've already paid it off, the total amount is {$4700.00}. From the contract if I continue to pay, I will have paid triple the amount of the original loan which was {$4300.00}. On XX/XX/XXXX the Attorney General of Virginia sued Net Credit and other companies for predatory practices.
02/06/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 239XX
Web
I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the XXXX internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed the representative about Virginia 's usry law. She informed me that I could speak with a supervisor. After waiting for approximately 15 minutes I spoke with a superivisor who said the same thing that the contract was written based on the state laws. This company is actually charging 299 % annual interest rate which is much more than the first company that negotiated a lower interest rate with me. Moreover, when I asked how much longer did I have on the loan, the response I got was until I paid it off. However, with 299 % interest rate when will that be. I am willing to pay back the monies borrowed with interest ; however, after recently being informed I now realized that I have been over charged quite a bit.
04/04/2022 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
  • Their investigation did not fix an error on your report
  • GA
  • 30328
Web
There is an account that is being reported on my XXXX Credit Report that should not be. The account is as follows : NET CREDIT Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. Net CreditXXXX XXXX XXXX XXXX a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I mailed out 4 letters to XXXX on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the XXXX XXXX. Each time XXXX sent a letter back to me stating " that the company that reported the information has certified to XXXX that the information is accurate ''. In my last 2 letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to Net CreditXXXX XXXX XXXX on XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my XXXX Credit Report as it is highly injurious to my credit rating.
02/27/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30238
Web
My NC FINANCIAL account is reporting erroneously with XXXX and XXXX as a Collection Account. This account was paid in full with their internal collection, XXXX XXXX XXXX and I have the letter that states so. I contacted NC Financial at the beginning of XXXX to settle the debt, I was then informed by a NC Financial customer agent that my account was sold to their internal collection agency XXXX XXXX XXXX. After numerous attempts to contact them via phone, email and XXXX complaint to gain a response, I was able to speak to an representative on XXXX XXXX and their agent informed that my account was placed with XXXX XXXX XXXX. I was then able to contact XXXX XXXXXXXX XXXX to settle the debt, however, after sending my " paid in full '' letter as instructed in the letter to all the credit bureaus to update the status of the as paid. The credit bureaus are stating after the investigation that the account is unpaid and collection status because the NC FINANCIAL is sole listing on the credit report and not their internal collection company XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and XXXX XXXX that it was not their obligation to notify credit bureaus, but NC FINANCIAL. Which I have detailed complaints from the XXXX and CFPB I demand the account is deleted for the erroneous information listed.
05/04/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • OH
  • 450XX
Web Servicemember
Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...
05/15/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WI
  • 53027
Web
I am on social security XXXX and when I took out the loan for {$800.00} I did not realize that when the loan was paid that I was paying them {$2300.00}. They knew I was on XXXX and that my income was fixed. Also my XXXX is a XXXX that causes to not understand and know what I am really signing. I paid back over {$1600.00} to them and could n't any more. At the end of every month I had no money or food until XXXX on the XXXX of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for {$99.00} a month. I thought that was the end of the loan but I am still getting phone calls and threatening emails. I tell them I am only about to pay {$99.00} a month but they said even after XXXX monthly payments I still owe them over {$200.00} still. I asked them to send me a statement and they told me they do n't mail out anything it 's done through there website. It tells me nothing or explains nothing. I do n't have a written contract. They said I signed XXXX on line. I do n't know or remember ever doing that. I have explained everything to them but nothing matters. I suffer from XXXX and there phone calls are making everything worse. I do n't want to go back to the hospital and I have no family.
04/20/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 704XX
Web
I took out a loan in XXXX of 2019 for {$5000.00}. I have made a payment in the amount of {$200.00} every two weeks for a total of {$1800.00}. Only {$2.00} of those payments has been applied to the principal balance. I tried to make extra payments to bring my balance down. I first attempted {$70.00} payment with instructions to apply to the principal balance. It was just subtracted from my regular payment withdrawal of {$200.00}. I then contacted the company asking why they didn't accept my extra payments. They explained that in order for an extra payment to go to principal it had to made on the same day of withdrawal payments. I tried that twice. The first time it posted that payment the day after and again removed the {$70.00} from my next payment. I then tried again on a payment day and this time was flagged that I could not make payments on the same day. They reported this loan on my credit reports and because the balance doesn't go down it's hurting my credit score. I want to be able to pay this loan off in order to avoid the ridiculous amount of interest they will have charged over the course of this loan. I also see that in Louisiana for this type of loan the maximum interest allowed by law is 12 %. They are breaking the law by the amount of interest they are charging me.
09/06/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • OH
  • 458XX
Web Older American
the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it
05/26/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 93274
Web Servicemember
In XX/XX/2012 I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of Virginia Law and contested the debt. I made no payments past XX/XX/XXXX. I have received 3 calls from a woman stating her name is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in Virginia when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated XXXX is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
06/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • LA
  • 713XX
Web
I will begin by explaining that I received a same day loan by NetCredit in XXXX and paid it off XXXX or XXXX. XXXX XXXX I went to acquire a loan and was approved. Received a notification and call stating that I needed to verify the addresses were the same on the voided check after Net Credit loan processor saw that the account information, check was the same account number and through the bank statement that everything was verified. Everything was verified! Tuesday I received a call stating the check addresses didnt match again so in order for me to I would have to re apply to change the ACH option. I asked to just send another voided check but they insisted on me reapplying, so I did. For the next 4 days I could never speak with a loan processing representative or supervisor, they kept asking for more information, stating my employer could not be verified, even after my employer called NetCredit, pushed back the loan date to XXXX, ultimately declining my application, without speaking or returning my call which I requested 3 days by email. They received all of my personal information, wasted a week and a half of my time for information they already approved of. I never was contacted by any person in the loan department or supervisor. And my credit decreased. This is fraud.
10/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • TX
  • 75237
Web
On XX/XX/2018 I done an extension on the loan and I applied a {$100.00} dollars payment that should go toward the loan balance and make the loan balance go from {$500.00} to {$400.00} dollars, the total amount that was supposed to been taken from my XXXX account should have been in the amount of {$190.00}, {$96.00} would be the loan interest fee and that {$100.00} dollars would be applied towards the loan balance.The total amount of the loan that was borrowed was {$500.00} dollars and the interest fee was {$96.00}. Someone went and deleted payment for the {$100.00} dollars that was supposed have went towards the loan, and did not send the email for the extension that was requested on the XXXX, they went and changed the loan agreement and redone a loan for amount of {$400.00} dollars.I noticed that online when I had looked at the agreement.When I had called Cashnetusa the reps was unable to see where there was a partial payment in the amount of {$100.00} dollars requested.I was offered a payment plan and I took it, I had asked to be refunded the {$100.00} dollars since the {$100.00} dollars was never applied towards the loan.I explained to them when I had the last loan and requested an extension my balance remain the same, and the balance should have been now at {$400.00}
04/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 95209
Web
My customer number is XXXX. I requested a XXXX loan they so just gave me a XXXX loan. I was under the impression because this was during hard times and my dad just passed away that the loan payment would be once a month as normal payments are. But then come to find out they want to {$200.00} each payday XXXX a month. I am single I just had my roommates moved out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. I am single I just had my roommates move out so I am covering all of the bills on my own I asked if there was a way we could lower my payments since we couldnt make it once a month they said they said no they cant lower them at all nor can they make them once a month. As it is {$2600.00} loan inns up costing me almost {$8000.00}. during a time of hardship these people take it vantage of those who are in need of cash when its a hard time and thats a shame but I asked to work with them in some sort of way and they denied every way for me to work with them know they cant do anything they said. So that is why I am contacting you folks my name is XXXX XXXX my phone number is XXXX area code XXXX.
10/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PR
  • 007XX
Web Older American
I requested a loan for XXXX dollars from this company. They are loan sharks in desguise. I have paid back over 2.000 dollar and I still owe them XXXX. It should be illegal for this business to operate. Yes they do help you I time of need but they have bleeded my bank acct. My payments are deducted actomatically from my checking a acct. I resided in XXXX withy daugher whom has a special needs child with several health problems. I was helping her out. I had to move back to XXXX XXXX to take care of my XXXX year old mom whom has XXXX and I explained to them through an email the financial hardship I was having due to having to help my mom and my own home renovate and do repairs after hurricane Maria. They just took the action of the not making any more withdraws which that was fine with me but they had no compassion or care about my economic situation.No one ever responded to my email to try to help me. All they send me is when my next payment will be taken out of my acct. I live on disablity from soc sec and the payments never end even when I have not made any withdraws..The intrest they charge was unknow to me. I wrote them it was the worst company even if I was homeless in the street I rather stay that way then resort to them for help..Really bad. Sincerly XXXX XXXX.
03/28/2016 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 43224
Web
Hello, This is a bit different. I keep receiving calls from XXXX XXXX XXXX on multiple occasions in regards to a payday loan that I received and paid off in XXXX 2011 from XXXX XXXX XXXX which CashNet USA is apart of. They are stating that the original loan was done on XXXX/XXXX/2011, in which according to CashNet USA 's site is XXXX/XXXX/2011, which was paid off on XXXX/XXXX/2011. It is strange on how the loan was paid off more than 4 years ago and where they sent the information was to an address that I have n't resided in almost 8 years, so I was never notified. I contacted the original creditor with is CashNet USA and was advised that the loan was paid off and it is a possible scam. I advised of the company, but they are unable to keep up with the companies that are performing the scams. XXXX XXXX XXXX is trying to resolve a debt for {$430.00} and have been hanging up on me and not allowing me to dispute the claim, which I can process bank statements that the loan was paid in full. So I am not sure what else to do at this point. They provided me with a claim number of XXXX and spoke with XXXX and a few other associates. The phone numbers associated are XXXX and XXXX. Any assistance in regards to the matter will be greatly appreciated. Thank you for your time.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30134
Web
XX/XX/2022 XX/XX/2022 XXXX/XXXX/2022 I disputed my NC Financial account on three separate occasions for incorrectly reporting my account as delinquent to XXXX. It's showing that I'm delinquent for the months of XXXX, XXXX, and XXXX of 2022. The account payment is auto-debited from my checking account bi-weekly. When I disputed the account previously with the credit bureau, it was corrected. NC Financial DBA Net Credit doesn't show my account as delinquent in their records. XXXX states that they can see when the inaccurate data was corrected previously, but it is up to me to continue to dispute the inaccuracies or send a letter from NC Financial showing I'm current. I don't think that I should have to do this monthly. Either NC Financial is committing fraud or XXXX is not requiring NC Financial to show proof of delinquency. Further, XXXX and XXXX show the account as currebt, never late. NC Financial is a predatory lender. It is my belief that they are trying to prevent me from refinancing the loan to a different company with better terms and interest rates. When I inquired about refinancing previously, I was told that they only allow refinancing to borrow more money, not lower the interest rate. This company needs to be investigated for their predatory practices.
03/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92065
Web
I had two loans with NetCredit. The first I paid off almost immediately with on-time payments. They do not report that loan on my credit report. The second I defaulted on within the first year ( the interest was 84 % a year ), but they claimed that I was still making ACH payments on the loan long after it had defaulted. I made the principle in payments before I could not keep up with the excessive payment schedule. This was in XXXX. I have contacted them several times and to no avail. I submitted a dispute through XXXX or XXXX, and instead of updating my loan as paid off, they changed it to only 50 % on-time payments. Additionally, they sold that loan to a debt firm but continue to report it as though they own the loan. So reported incorrectly, inaccurately. First loan was {$2600.00}, account ID XXXX, funded XX/XX/XXXX. Paid off XX/XX/XXXX. Second loan was {$7200.00}, account ID XXXX, funded XX/XX/XXXX. On XX/XX/XXXX I cancelled the ACH auto deduction they were doing to my account. On XX/XX/XXXX they started charging my bank account again at a reduced amount but then accelerated payment, after 8 months of contacting them repeatedly about the balance. On XX/XX/XXXX they sold the account to another company. They continue to report it as a late payment.
05/24/2021 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
  • Their investigation did not fix an error on your report
  • GA
  • XXXXX
Web
I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( Net Credit ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to XXXX about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.
11/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • ID
  • 83854
Web Older American, Servicemember
They charge daily interest and there is no early payoff. So paying small payments prior to payment due dates should lower amount owed and interest calculated. however I paid {$200.00} couple days ago only applied {$180.00} to balance no explanation. Week before made 2- {$40.00} only owed balance owed by {$28.00}. Today paid a {$12.00} only adjusted balance by less than a dollar. They already charge an outrageous interest rate but if they are not applying the full payment to they are charging me interest on money paid that is fraud and wrong!! they have not responded to 2 of my information requests. below is pulled directly from a test I did to see if I was being screwed no payments affected any interest. That is wrong! Date Description Reference # Amount XXXX Payment XXXX {$75.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} Interest Charged Date Description Amount XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00}
10/26/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 624XX
Web
On XX/XX/XXXX, i received a threatening call from a company called XXXX XXXX XXXX out of XXXX ( not a registered business ) stating I owed on a XXXX loan that i did not take out. My identity was stolen sometime between XXXX and XX/XX/XXXX. I told the debt collector I had already spoken with XXXX about my identity being stolen and gave them my current address and they said they would investigate it. THis debt collected said his client was taking me to court unless I paid the loan off or set up a payment plan. I asked who the client was and he said he could not tell me that I would have to figure that out on my own. Not knowing my rights I gave him my debit card number. I called XXXX and they said they had on record my identity was stolen and there was nothing owed on my account. I requested the account be closed. I asked if they sent me to a debt collection agency and they said there was no record and that I should cancel that card immediately. Today, XX/XX/XXXX, I received a voicemail stating that I will be sent to court for stalling tactics on paying my debt unless I call today and take care of the debt. Here is the information i have : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The amount is {$2400.00}. Phone number is : XXXX.
10/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • UT
  • 84088
Web
In XX/XX/2018 I was contacted by netcredit advising that I was pre approved for an installment loan. As I am a single mother of XXXX and have been batteling XXXX I was behind on HOA fees and other bills and decided to take out the loan. They advised it was an intallment loan with monthly payment of XXXX. This is what I agreed to, I checked an account that I used and realized that they were taking out the XXXX every 2 weeks, once I realized this I sent them a complaint in writing advising to stop the ach and that I was under the impression that this was an installment loan and not a payday loan. I told them I could not afford the XXXX coming out every 2 weeks as this is not what I anticiapted. This has brought my checking account seriously negative and my bank is giving me a hard time as well. They emailed me a reponse saying it is an installment loan however the payment is every two weeks. I feel this is very deceptive, and installment loan is supposed to be a monthly payment a payday loan is a bi weekly payment. I really need help with this. I can makde montlhy payments I can not make bi weekly payments of XXXX that is too much and it is really creating a hardship for my family. Please assist me as again I feel this company is being very deceptive.
03/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30064
Web
I originally opened my personal loan with XXXX in XX/XX/XXXX and my payment scheduled followed my bi-weekly check with a payment amount of {$230.00}. In XXXX of XXXX I contacted XXXX and submitted documents to show my change of employment and the change in payment scheduled. My new payment scheduled went from bi-weekly to bi-monthly and my pay dates were the XXXX and XXXX of each month. XXXX was submitted a copy of my new employer paystubs and approved my new payment scheduled which began on XX/XX/XXXX. Since the change in my payment schedules which by approved by XXXX my account has been drafted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. On XX/XX/XXXX XXXX withdrew a payment in the amount of XXXX which is twice the amount of my normal scheduled payment. This payment is not in accordance with my payment schedule. I went online and reviewed my loan contract and my payment schedule which stated that the amount payment amount to be drafted from my account on XX/XX/XXXX was to be XXXX. XXXX has refused to refund the overpayment and has stated that once payment is made it can not be refunded. I was required to contact my bank and have all transaction from XXXX blocked because they are making unauthorized transactions from my account.
10/20/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89103
Web
I have gotten loans from CashNet USA before and had little to no trouble. However, there is a constant issue with their website. It takes forever to load unless you are on mobile and even then some of the site does not work properly. I have informed them of this issue many times. However, that is not what my complaint is today. I kept getting emails about my existing loan telling me that I had the option but when I checked my account, it was showing a XXXX balance and no option to extend. I emailed customer service about it but got no answer. After a few days of this, I went on the site at work and opened the chat window. The rep. and I got the whole thing straightened out and she got me on a payment plan starting XXXX XXXX and ending in XXXX when the balance would be paid off. Now I 've made my first payment on the plan. On the tenth, I got an e-mail stating that I was overdue and have been getting repeated e-mails and missed calls from what I assume to be the automated collections service. Why am I getting these calls and emails if I am on a payment plan? I am so disgusted with this company that I will be glad when my loan is paid in full. I should not have to get these emails and phone calls when I am on a plan and making my payments.
05/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NV
  • 89117
Web
Around XXXX of 2018 I took out a loan for the amount of XXXX with cash net. I successfully paid 2 payments of XXXX each. I did online chat asking to change the amount or a different day and the first time they did the second time they did not and did not care j was struggling. When I filed a complaint with the consumer financial protection bureau they claimed that I never talked to them and that I was avoiding them and that I owe everything that they say I owe and they were not going to work with me at all. I've been struggling to make payments for everything it's now between food on the table or paying a payday loan or paying for my car insurance or my cell phone bill my family is most important to me. I would like to get this taken care of as soon as possible so it doesn't cost me any extra money and it doesn't cost the company any extra money. have not been contacted by them through any type of email or text messaging they may have called but have not left messages and if they have left messages it's a recording and it gets cut off. They currently are saying I owe them XXXX which would have been the amount paid back in full in one payment for the amount borrowed so I do not owe them {$930.00} that is absurd. I should have maybe {$370.00}.
12/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • XXXXX
Web
I tried to apply online as REP Payee account because I am listed on this account with my sister. And my sister wanted to apply for a loan. I am the conservator. I called CashNetUSA. I talked with a customer service rep who was very unprofessional. I asked to be transfered to a supervisor and the rep said they do not have supervisors to take calls. She did not answer my questions at all about the REP Payee account she did not know anything at all. The customer service rep put me on hold and finally disconnected me while waiting for a response. The customer service rep said she would have one of the legal team call me but never confirmed it because she disconnected me while waiting on a LONG wait. I called back but I am still trying to get in. I finally end the call I did not want to wait any longer. So I am writing this complaint. Also, I have another issue about keeping my mother 's information in their database system. My mother has passed away and I do not want her information stored for fraud purposes at their loan office. This worry me very much because so much identity thief is being used at financial institution like this.. I would appreciate you looking into this because I have issues and concerns about this loan service.
09/29/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23462
Web
Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part.
02/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NC
  • 28216
Web
On XX/XX/XXXX I scheduled an ACH payment of {$700.00} to be applied to my Cashnet USA line of credit account on XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating the payment had been posted. On XX/XX/XXXX I noticed the prior period 's statement was incorrect and the oustanding balance posted on the company 's website was incorrect. Once I became aware of the discrepancy I contacted the customer support line. On XX/XX/XXXX I spoke with a representative who ensured me a supervisor would contact me with 48 hours to discuss the matter. After ending the call on XX/XX/XXXX my online account showed the {$700.00} payment had been unapplied on the XX/XX/XXXX with a reference of " cancelled " then reapplied on XX/XX/XXXX in an attempt to erroneously earn more interest on the account. After not receiving correspondence in the designated time I contacted the customer support line and requested to speak with a manager XX/XX/XXXX. I mentioned the issue of the discrepancy on the statement, the false cancelled transaction on the online account and requested an amortization schedule to review. The manager offered to " waive '' {$55.00} on the account and denied the request for a schedule history to review for my records.
11/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 350XX
Web
Today is XX/XX/2018 and for the past few days I have been in contact with XXXX XXXX customer support team. I do believe that there has been a breach in the contract since contract expressly states that the loan is a daily simple interest loan which accrues interest on a daily basis. So when the contract says in plain english that " prepayment of principal may reduce the total amount of interest you pay under this agreement '' then I do expect to save money on the interest as stated. So on date of XX/XX/2018, I paid {$1000.00} so shouldn't I have saved on the interest according to the contract? But instead my balance went up more then the original pay off amount so I getting ripped off by these people while I am here trying to do what's right. Why am I paying more interest charges of the portion that has been paid in advance in a daily simple interest loan? This is not what I signed in the contract. I do also have copies of the email correspondence from Netcredit 's support team sounds like they gave me the run around. My total balance on XX/XX/2018 was {$1600.00} and I paid a total of {$96.00} on Friday and {$1000.00} on XX/XX/2018 so why is my balance {$600.00} Where is the reduced total amount of interest?
06/23/2016 Yes
  • Payday loan
  • Can't contact lender
  • WA
  • 990XX
Web
I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33578
Web
I have formally filed a dispute with XXXX and with NetCredit. I have sent NetCredit screenshots of the disputed balance and asked for a manager respond letting me know what day and time we could speak by phone to review the account with me by phone. The company had someone call when I was not prepared and they did not call back. I simply asked them to call back when I was not driving and in front of my paperwork. I continue to receive blanket statements that are erroneous about an extra payment that I did not have to make, which they split to pay themselves interest and some toward principal. I revoked the payment learning that they would not apply the entire amount to principal, and when I did they added the amount in total back into principal balance. This increases my principal balance owed to be more than it was before I made the additional payment when it should have returned to the original principal amount before the regular and additional payments were made on XX/XX/XXXXXXXX XXXX Until this company resolves this matter, my account is under DISPUTE AND SHOULD NOT BE BEING REPORTED TO XXXX, XXXX OR XXXX AT ALL. Additionally, I am only past due, one payment and they are showing I'm past due two payments.
12/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 97402
Web
It has come to my attention NetCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340. In addition to all other unlawful acts there is also nowhere in my contract an APR % listed. The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it. I have made multiple attempts to contact the company directly, but have been unsuccessful in actually talking to a real person thus far other than an email reply ( attached ) stating that they are allowed to charge any interest rate they want and are licensed to operate in the state of Oregon which they are not.
09/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 23222
Web
I got a loan for XXXX from XXXX XXXX, last year, set up to pay back twice a month about {$200.00}, its been over a year and not even XXXX has gone to pay down my balance my current balance is {$3400.00}. I was told that the interest wouldn't be that high, and I called before to ask why my balance wasn't going down, and couldn't even get a straight answer. So I went online to look back thru this agreement, this is what I saw..no wonder none of my money is going toward anything. This was copied and pasted from the account online ( net credit website ) rate 64.87 % interest {$8500.00} Amount I borrowed {$3600.00} Total I would pay = {$12000.00} this is a total outrage, at this point I have stopped my draft, mind you i have never missed one payment, prior to this complaint, even tho I was struggling to pay this back, and to see that my money is not going to anything but net credits pockets was sickening to see. I fell like I've seriously been taking advantage of. I feel violated and preyed upon, and I need to know what to do to get out of this high interest rate loan. this shouldn't be legal, this is not right. I feel like I need to get a lawyer. I have attached my full contact from this predatory lender.
10/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CO
  • 815XX
Web
On XX/XX/22 I reached out to net credit to attempt to change my bank account information and to request a different due date. I tried to make payments from a debit card while waiting to make changes to my bank account, I was informed by an employee that in order to make payments I needed to first update my checking account information. On XX/XX/XXXX the change was official, but by that point I was severely late on my account. It has been a struggle trying to make payments on a timely manner, due to their ridiculous policies. Ive requested several times to switch my due dates so I can get caught up, but each time Ive been told that because my account is past due their hands are tied. This company sets people up to fail. They also dont have the appropriate information on the loan documents and are not actually authorized to provide loans in the state which I reside. I had to submit a copy of drivers license and proof of residence, and at that point the company should have not authorized the loan. Because they are a predatory lender they do not care, and now my credit has taken a hit and their hands are tied because Im past due. They should not be able to report on my credit if they are a fraudulent loan.
10/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 244XX
Web
XXXX XXXX is not licensed to do business in the state of Virginia. Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap. Licensed Virginia consumer finance companies may charge m ore than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. Given this information and the outstanding fees I have paid in interest, this account should be closed, marked as paid and removed from my credit report. Additionally, XXXX XXXX XXXX XXXX, should stop leaving voice mails on a shared mailbox regarding a " breach of contract '' with XXXX XXXX Immediately. They can be reached at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
07/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 70508
Web Servicemember
The company calls my phone repeatedly during the day, while I am at work. I have asked them repeatedly to stop calling me several times a day. Currently, I have a settlement offer setup on my account to be paid off by XX/XX/2020. I have payment arrangements set. ( bad enough, I requested help several times with payment extensions due to lowered income because of COVID-19, and was refused help ) I made a payment on the account on XX/XX/2020, and another payment set to come out on XX/XX/2020. On XX/XX/2020, I began receiving calls from Cashnet. Each call, I explained the settlement offer, and asked them not to call me again, unless my paymnet on XX/XX/2020 doesn't go through. ( which is proper collection practices based on FDCPA ). However, I received more calls the next day, day after that, day after that, and even received a call, today. The day after my payment was cleared through my account. I requested on XX/XX/2020 for account to be notated that I have payments setup, and was assured that the calls would stop. THIS IS HARASSMENT. THERE IS NO CAUSE for them to continue calling me each day, after I have explained myself and asked them to stop, when information is clear to see on my account.
03/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AZ
  • 85396
Web
In 2018, I took a loan with Net Credit, totaling {$2600.00}. After paying back {$2900.00}, I began to inquire why my remaining balance was still nearly {$3000.00}, as I wouldn't knowingly enter into an agreement that would cost me double the original loan amount. I see this as predatory lending and try to look out for it when I am shopping loans. Because this seemed to be such a large amount remaining, I stopped payment. Since that time, members of my family and I have received several harassing phone calls from XXXX XXXX XXXX regarding the debt, stating that I now owe approximately {$3800.00}. I have disputed this on my credit report as the remaining balance is now much more than I owed and I was truly confused by their terms, which resulted in the Net Credit account being deleted from my credit report. XXXX XXXX XXXX continues to call me even though I fully dispute the terms of the loan as they are predatory in nature. Upon further research, I discovered that Net Credit was sued and lost over predatory lending in Virginia and are subject to other lawsuits, including class action. As we speak, I am communicating with an attorney related to a potential class action lawsuit filed in California.
08/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 334XX
Web
I have an open-end line of credit with CashNet USA which is illegal in XXXX and may be predatory lending due to the APR of 299 % for cash advances and the excessive amount of fees charged ( 15 % on cash advances, for example ). When I signed the attached loan agreement in XXXX, I was not aware that CashNet USA had my old XXXX address on file. I moved from XXXX to XXXX in XX/XX/XXXX. My understanding is that CashNet USA does not have a license to offer open-end lines of credit in XXXX. This loan should be null and void - the current loan balance is {$1400.00} and I have been making semi-monthly payments since XX/XX/XXXX ( XX/XX/XXXX and last day of each month ) of between {$300.00} and {$350.00}. I should no longer be obligated to repay it because CashNet USA should not have offered this loan to me in the first place knowing that I live in XXXX and they don't have a license to offer these types of loans in my state. I used my XXXX address when I applied online for credit with CashNet USA, and I also verbally informed them of my relocation during the application process. Most importantly, I believe that the excessive APR and excessive fees are viewed as predatory lending practices in XXXX
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 655XX
Web Servicemember
I have been trying to fix up my credit report. On XX/XX/2023 I wrote to all the credit agencies to verify the debit, amounts, and actions taken on the account. I have received a letter via email saying that the account has been verified. I have written to the company to perform a debit verification, however I still have not received a response. A in dept research of this account has found that there are several errors on my report. NC Financial has different open dates as well as the date of last actively to the account. They have listed it as a charged off several times and then still continue to increase the amount owed each week without sending me any notice via mail. I have not received any account statements on this account period. Every other month they are changing their name in which they report under. One month its netcredit the next is NC Financial. In accordance with the fair credit reporting act Netcredit and/or NC financial account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
10/26/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 228XX
Web
On XX/XX/2020 I received a letter in the mail that stated I owed {$2100.00} and the due date is XX/XX/2020. The letter said that I owe an online payday loan from CashNetUSA and I would be taken to court if I did not get in touch with this debt collection company which is XXXX XXXX XXXX. I already paid my debt via a collection agency several years ago so I was confused when I received this letter. So I called the number on the letter from XXXX XXXX XXXX and spoke with a man named XXXX XXXX if that's even his real name. I gave him the file number that's on the letter and he looked me up on his computer and explained that I owe over {$2000.00} and that he was a debt collector I explained to him that I paid off my debt and it was nowhere near {$2000.00} he asked if I had any proof and I said yes. He then said okay well just pay 25 % of the {$2100.00} balance which is {$500.00} he said. I said no I'm not paying anything because I already paid off my debt and I have proof and I will call CashNetUSA to figure out what's going on here and that's when the gentleman said okay I will go into the system and write off your debt so you don't owe anything have a good day then he hung up on me.
02/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ID
  • 83440
Web
I went through the loan process at the end of XXXX. Though, when I saw the 324 % interest rate. I immediately exited out of the page because I didnt want to pay that kind of interest. Though on the XXXX or XXXX of XXXX. I saw the money was in my account. I immediately tried to contact them but no one picked up due to the holiday. I attempted to call again the next day and told them it was a mix up I did not want the money to please take the loan back. The person on the phone agreed and debited the amount out of my account. Though I saw yesterday XX/XX/XXXX that I saw still charged interest by cashner usa despite having told them I did not want the loan and to dedit it back out of my account. Which the did earlier this month. I called again and asked them why and they responded that they were not going to waive the interest charge on a loan I never used. So I decided to file this complaint. Especially because companies charging predatory interest rates like that with these kind of business practices should not exist. My bank account is unable to screenshot the deposit amount of {$240.00} on XX/XX/XXXX. And that the amount was returned XX/XX/XXXX. Yet I was still charged interest.
01/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 958XX
Web
On XX/XX/2019, I sent in a personal check in the amount of XXXX in an attempt to pay off my loan. I took the envelope with the payment into the post office and paid an additional fee for priority mail with a tracking number. The address for the company 's payment processing was a P.O. Box. The payment was delivered to the company 's P.O. Box on XX/XX/2019 according to the post office tracking information. I have attempted numerous times to inquire as to the status of the payment ( whether it has been received, etc. ). Netcredit constantly puts me off, never answering the question as to when it is they actually pick up their mail for mail-in payments. I have sent them images of the check as well as the receipt from the post office showing when and where it was mailed. All they do is ask for a copy of the back of the check, avoiding answering the question of receipt of payment. I've had issues with this company in the past regarding making any early payments which is why I am attempting to pay them off as soon as possible. The amount sent,XXXX would have paid off all if not most of the loan but since " they do not see any payment received '', additional interest accrues daily.
12/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • VA
  • 241XX
Web
About a year ago or little long I received a personal loan from XXXX for {$1000.00} or {$1200.00}. I noticed couple months ago that on the XXXX web-sit was offering a loan, that I believed to be a loan for extra money, great with XXXX so near. There was n't any extra money, but a refinance. I have never been late on this loan or have missed payments. Up until this time did n't I have reason to mistrust XXXX and their practices. I would find out quickly that this was n't the case. I spoke to two employees and I stated that the contract said I could cancel the loan and return to my old, they were no help at all, they told me it could n't be done, with no information given. The first loan would be paid off in XXXX, which is drawing near and the second loan would pay off XXXX. The first loans payment was {$130.00}. and second is {$100.00}. a difference of {$.00}. The first loan had a balance of {$1200.00}. The second loan total {$3700.00}, which is difference of {$2500.00} why on earth would I agree to pay a {$2500.00} extra to get a break of a whole {$33.00} dollars month. I would like to return to loan amount with a lower interest rate. Had to copy/paste to get it download.
06/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84321
Web Older American
Never had heard of Cashnetusa was in between pay days when it was a death in the family. Had to go out of state to XXXX CA. In the past I had taking out a loan with another company who give me the payoff. I paid it that was that. Well I guess Cashnetusa got the information when I was taking out the first loan. Because they put XXXX in my account. I called them and said take it out of my account which they did no problem, so when I need to get more money I thought about the first company. which found it they just did loan with jewelry companies. So I went on online reach out to Cashnetusa monies So Cashnetusa said the XXXX would be in my account the next day which it was, I never signed anything with them. Each pay period it was different amount of monies. So the end of XXXX I called and said this loan should have been paid off. Was told that I still owed more monies and now I owed XXXX dollars. Which was crazy do to fact I had paid over XXXX. Already now was not sure what to do so I made a few more payments the last one was the end of XXXX. I paid XXXX on a XXXX dollar loan. Now as of XXXX the account is closed. I will not pay them another dime. Cashnetusa are predators.
06/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TN
  • 380XX
Web
Correction in documentation- Yes, i have tried to handle and communicate with company about situation. They will not work with me in any ways and are rude and unprofessional place i have ever been a customer of. On XX/XX/XXXX, I received a loan from Cash Net USA for XXXX. A few months later I got a XXXX and XXXX dollar loan. Equaling XXXX. I was not informed that I would be paying XXXX dollars biweekly. I contacted the business. They did not help any and told me " orry we cant help you. Then they agreed to XXXX dollars every two weeks and did not keep their word. I called today XX/XX/XXXX. Asked how much I had paid so far- XXXX. Asked how much more I owed- XXXX. A total of XXXX for a XXXX dollar loan!!! The lady proceeded to say I was charged XXXX each time even though I did not take out XXXX dollars! They are scammers! and do not care anything about their customers! I am a single mother and their is no way possible way I can afford XXXX every two weeks. I have tried to contact the company on several occasions but no response/or no help what so ever. I am not looking for pity- I am looking for assistance. & making this company understand what a horrible company this is.
05/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63122
Web
This account goes back to XXXX XXXX . I was mislead and misinformed by the above described company and its online representative about their loan product. It seems to me that this company prey on individuals who they know ahead of time that they are not able to pay these loans. After further investigation into their practice I found out that their interest rate is ridiculous and unimaginable and should be illegal in America after the XXXX financial reforms. I have asked the company to close this loan several times to stop it from incurring huge amount of interest. I am urging your department to investigate this company and others online who are practicing these scams and putting struggling families in debt knowing they are not able to pay these loans. in XXXX or XXXX XXXX CashNetUSA offered me a settlement of paying 75 % of the loan in full and then another settlement of paying 50 % of the loan in full because they knew all along that their practice is shady and their interest rate is beyond imagination. According to XXXX XXXX the consumers in America have demanded all along the federal government to investigate these companies and shut them down.
05/27/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75204
Web
I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. Attached is a document that showed that the last time I did any business with CashNet was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.
02/27/2018 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
  • VA
  • XXXXX
Web
I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH NET CREDIT ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS 247 PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY XXXX CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXXIT SHOWED 180 DAYS LATE FROM XX/XX/XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XX/XX/XXXX TILL XX/XX/XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT XXXX DOCKET NUMBER IS XXXX. I CONTACTED XXXX XXXX XXXX XXXX IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XX/XX/XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
10/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29803
Web
XXXX I called CashNetUSA.com at least 4 times to get information about the program, I also asked for the APR amount on each of the times of the calls. Each representative I spoke to never stated that the rate is 325 % until I spoke with a representative on XX/XX/XXXX. On each phone call, they confirmed the rate will not be high rate such as a payday loan company that charges 35 %, and that there will not be any hidden fees. They also kept telling me that I would have to sign up online before they can give me any other information due to they could not see anything on their end. I have been scammed into signing up for a loan with a 325 % rate. I would not have signed up to be paying on a loan from XX/XX/XXXX until XX/XX/XXXX this is unbelievable. When asked a few previous reps why it seems as if the payments are not being applied to the account, they did not give me any details or advise me on anything that can help me. When I spoke to the company again today, I was told I needed to read my contract, which is something I was never guided, never given, I only received guidance on submitting how much I want to borrow and how will I be making my payments.
02/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • VA
  • 23451
Web
Net Credit had a 2 ndloan installment that I owed them. In XX/XX/2020 I was on unemployment due to XXXX, suffered a XXXX XXXX in an auto accident and no longer able to keep up with my payments. I called them and told them as soon As I returned to work in XXXX I would clean up my past due. They agreed. In XXXX they offered me a settlement where I paid 60 percent I believe. They agreed to remove payment history. I paid the settlement as agreed in 3 payments. In XXXX I called and wrote that the payment history had not been removed. They sent me a refusal email back. I called repeatedly and finally they agreed to remove from 3 credit bureaus. The payment history was removed from XXXX, XXXX, but not XXXX. Also they left collect and derogatory comments in my XXXX. I have disputed repeatedly through XXXX and Net Credit. They sent me the same refusal letter again, stating nothing had ever been agreed upon, or removed from XXXX it XXXX. I sent them an email explaining that according to the Cares Act they were to remove all payment negative reporting history and comments. I was within the dates, had called, and fulfilled my agreement in good faith. No resoonse
02/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • MO
  • 63109
Web
I was offered a " line of credit '' of {$1200.00} and there were ZERO explanations in laymen 's terms how they figured their interest. As in, I had no clue what my monthly payments would be & I HAD to give them my bank account to take ACH payments from every month. I understood that this was a high dollar loan, I wanted an installment loan, but for whatever reason, they're doing this credit line in my state ( MO ). My first payment came out of my account & it was {$250.00}, in which {$120.00} was now available for me to " draw '' from. I did NOT do this & figured my next months payment ( this month ) would be about the same if not a bit less since I didn't utilize the credit. However, this month, they are going to take out {$410.00}!!! This is above & beyond predatory lending! I looked at my statement & my balance is UP {$200.00} instead of showing that I made a payment at all! At this rate, my bill will constantly go higher & higher every month. This was never mentioned & if it was, they sure made it extremely complicated to understand. This is unethical & obviously they had their license to offer installment loans revoked in MO, hence this new scam.
08/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 496XX
Web
On XX/XX/XXXX, I was in dire financial need and took a loan out from Net Credit in the amount of {$3200.00}. Paying twice a month, I have made 19 payments of {$100.00} and 1 payment of {$38.00} for a total of {$2100.00}. Each month, I make payments on the XXXX and XXXX XXXX of the month each month. I was XXXX with work because of COVID in XX/XX/XXXX and as of XX/XX/XXXX am still furloughed. As of today, XX/XX/XXXX I still owe {$2700.00} with a payoff amount of {$3000.00}. I called to ask what the payoff amount would be, with the intention of paying the remainder of my loan off. When I found out that I still owe almost as much as I borrowed a year and 20 payments later, I was really taken off guard. They were unwilling or unable to find a payment amount less than the amount outlined above. I would like to pay the loan off, but am unable to do with the amount they gave me. If I could pay today, I would be paying a total of {$5100.00} off of an intial loal of {$3200.00}. WIth the scheduled payments I currently have of {$100.00} twice a month, according to Net Credit, my final payment would be on XX/XX/XXXX and I would have paid a total of {$6200.00}.
12/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95123
Web
Im on XXXX and having a tough time making financially. I saw the CashNet commercial and applied for a {$250.00} loan. I was approved and when paid back they sent a message saying I could apply for a {$2600.00} loan. Rent was due and I was desperate so I applied. They sent me a message saying I was approved and they were putting the money in my account. They sent me a document packet with a promissory note. When I open the document for the first time I was given the terms. They are charging me a total of {$8000.00}. The interest rate is 189.13 %. How is this legal? Shouldnt I have been give this info upfront so I could have decided if I wanted to do business with them. I would think people applying for Pay Day loans are experiencing some type of financial hardship and this company is taking advantage of them. Is there anything that can be done about this predatory behavior? My rent takes up half of my XXXX check. After paying back CashNet I only have about a fourth of my monthly income to buy food, pay utilities, pay for medical and insurance, buy gas, etc. Had I known upfront CashNet did people this way I would have never applied for a loan with them.
10/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 341XX
Web
Initially, I made a payment plan to pay off my past due balance in the amount of {$3200.00} to Net Credit. However, as this didn't reflect positively on my credit report., I was forced to pay the entire amount past due {$3200.00} in order that the company will stop having negative reports each month. Currently, my payment schedule still reflects the past-due amount already paid. The website states that it is paid. I have contacted the company over XXXX times. I was told that I am on the manager escalation list to call me 7 days ago. Nobody will call me and as it stands if I don't want negative credit reporting I will need to pay everything according to the schedule otherwise my credit report will be ruined again. I filed a complain initially and received an email from them to call and adjust the schedule. The only answer I receive is from customer service and nobody else. This company is the biggest scam and unfortunately, I am stuck with that until I pay it off, however, I don't want to pay {$3200.00} twice. I can not get a mortgage until the correct that as well as their reporting on my credit and am living in a moldy house in house after Ian
04/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • IA
  • 500XX
Web Servicemember
- CashNetUsa sent me sent me an email on XX/XX/23 for me to access a Line of Credit statement that they represented I'd taken out with their firm. I have never applied nor received a loan from this firm, never would, nor provided them with my approval and personal information. - They continue to send me emails attempting to collect on this either bogus or fraudulently obtained debt with their firm. - The most recent email ( received today XX/XX/23 ) indicated a payment amount due of {$170.00} on line of credit # XXXX for customer # XXXX referencing my name and it was sent to my personal email address. - I contacted them via phone today and informed them that this is a bogus/fraudulent transaction, to discontinue contacting me, and to delete and destroy any personal information they have on me at their firm. I refused to provide them my personal information, despite them asking for my SSN #, and other information. This firm fails to comply with privacy protection rules, know your customer laws, customer identification/validation, and is attempting to collect on an illegitimate debt and is facilitating fraud and identity theft in doing so.
02/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • KY
  • 424XX
Web
I was looking into a debt consolidation loan and was directed by XXXX XXXX to check Net Credit. When I went to the site it said I could check my options with no damage to my credit score. So, I did. After seeing the offer I opted not to continue with Net Credit, as I didnt want a high interest line of credit. Several days later I got an adverse action letter from Net Credit about my application. I never applied for credit in the first place, so I didnt understand why I was getting an adverse letter. I only checked my rates. I asked the company why I was getting the adverse action as I never formally applied and they only told me that there was no hard inquiry. A day later I received another adverse action letter from them. I asked again why I was receiving it, and to remove my information and they only responded that I couldnt have my information removed. I suspect that by logging in to check rates thats bate for an application. I know 100 % that I never formally applied and its not okay to not disclose that checking rates is an application. Its a very deceptive practice and I am scared that they will continue to use my personal information.
07/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70460
Web
At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of XX/XX/XXXX. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
09/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75070
Web
I am a victim of identity theft in which my social security number along with other identifying information has been utilized in order to apply for and/or secure accounts with various financial institutions. In XX/XX/2021, I received an alert notifying me that an account was added to my XXXX credit file with a past due payment history. I immediately contacted the company, NetCredit, on XX/XX/2021 in which I was advised to submit a police report. On that same date, I submitted my police report along with my FTC Identity Theft report. On XX/XX/2021, I received a response indicating that they completed their investigation and confirmed it was not fraud, therefore, taking no further action to remove the account. Prior to this instance, there was also a credit inquiry placed on my XXXX credit file from NetCredit. After contacting XXXX and the XXXX XXXX XXXX advising that the inquiry was fraudulently done, the inquiry was since removed. I do not understand how NetCredit refuses to acknowledge the documentation submitted and remove the account in once instance, but agrees that the actually application/inquiry was fraudulent and removed it.
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70460
Web
At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
10/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IA
  • 52803
Web Servicemember
On XX/XX/XXXX I got a call from XXXX and they said they collecting for XXXX okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called XXXX, and ask why was this reported XX/XX/XXXX when we paid it in XXXX!! All they said was sorry we will updated the balance to {$XXXX}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.
06/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 91775
Web
In XX/XX/XXXX, we were approved and were funded for a loan with NetCredit. In XX/XX/XXXX, we had to close our bank account ( of over 30 years ) because of fraudulent activities ( someone tried to cash checks against our account ). I immediately started reaching out to all direct debit companies ( utilities, insurance, loans, etc. ). As you will see from attached correspondence, we reached out, followed their instructions, and still received late notifications. Despite my several attempts to have them follow through, these attempts were ignored. When I try to make payments through the website, I receive a message saying that we are not set up for automatic payments and we are unable to make payments online. I will be making similar complaints about two other online lenders. This issue may be endemic to online lenders because I did not have funding issues with any other online payment provider. Despite our repeated efforts to resolve the issue, we are being hit with penalties and late fees, as well as reporting to credit bureaus. I am going to file this complaint with every single source possible and I am hoping you can help.
07/12/2015 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 94533
Web
Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 34655
Web
All hard inquiries were not approved by me. Were not authorized by me. There are multiple hard inquiries on my credit that I did not approve. I have not applied for nor have I requested any type of credit card, loan, anything having to do with my credit or Social Security card. I found out that a car dealership decided to run my credit multiple times when I already had a lender approved and specifically asked to use the same lender that I have been working with for three years and making payments to her three years. When it was time to renew my lease the dealership without my knowledge ran my credit multiple times and I still ended up with the same lender. Per my request. The dealership acknowledged that I did not authorize them to do such and stated to file a complaint with the consumer finance department as they were unable to remove the heart inquiry themselves. I did try to resolve this with the dealership and they were unable to remove the hard increase. This is affecting my credit score greatly. I have been working very diligently to approve my credit and refuse to allow anyone to run my credit or social for any reason!
03/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33707
Web
I contacted CashNet USA to request a 60-day Grace Period Deferment on XX/XX/XXXX. Was notified that I should respond to an email regarding the proper procedures and to have all requirements documents submitted by XX/XX/XXXX. I faxed in my signed agreement and forwarded an email ( 4 separate times on XX/XX/XXXX and 2 more time on XX/XX/XXXX ) from the credit reporting agency to CashNet USA onXX/XX/XXXX. Despite having submitted my forms by their due date, CashNet submitted my loan repayment in XX/XX/XXXX causing my checking account to reflect a negative balance, including overdraft fees. I contacted CashNet on XX/XX/XXXX and was given various reasons as to why the repayment was submitted then was told I will be contacted within 24 hours after reviewing the recorded conversation with the representative from XX/XX/XXXX. No one reached out to me in any way. I called CashNet again on XX/XX/XXXX to follow up with them. After being placed on hold several times, I was informed that the repayment was already submitted to my bank and there was nothing they could do. This was after they found that my deferment should have been granted.
12/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30349
Web
Applied for XXXX via web in XXXX a representative contacted me via phone once app was received .he went over loan and terms .before accepting the loan in which I applied for XXXX I asked the representative several time that since I was planning to pay off in XXXX would my balance be XXXX which would be the remaining since I paid for 7 months starting in XXXX he stated yes no interest for a year and I would only pay back the amount left from what was borrowed. I noticed on my credit report it states my credit is XXXX and on the XXXX website I owe almost XXXX with only {$14.00} out of the XXXX going to interest. I contacted office in XXXX requesting call be pulled to honor what I was told I was told a supervisor would call back but he not sure when. Several days later I received a call unfortunately I missed the call due to being at work when I called back I was told I had to put in a request and they would call back within 24-48 hours as of today and it has been almost two weeks I have not received a phone call to resolve matter I wouldve looked into someone else for loan if I knew my information given to me was inaccurate
08/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 080XX
Web
XXXX XXXX Account XXXX XXXX Creditor is netcredit Balance {$1500.00} Multiple payments have been paid on this account and is still being reported late. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 Account name : XXXX XXXX Account Number # XXXX Opened XX/XX/2014 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information as inaccurate.
04/28/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32301
Web Older American
I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency.
05/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30033
Web
Company name- NCFINANCIAL , date start. XX/XX/2019.amount XXXX $ .that loan cause make pay bill hospital ... when they talk in phone every month XXXX , 3 years .... im believe whatever they say and signature on agreement with online.. then on agreements 5 years payment ... im really dont know ... they charge every by-weeks charge auto payment ... right now i dont any income and i have close my checking account cause of dont have any income.. then im already email let then know cause of ill be little bit late payment .... but they say there will be action for thet.. and im never have late payment then already pay over one years.. but the amount its still look like same ... .. XXXX maybe. I had payment credit card and auto loan and not safe employee, cause of that payment right now XXXX XXXX XXXX part time and have to still with my mom have really bad XXXX problem .... everytime need somebody have to care her ... i dont have full time job and dont have not much income then alot payment .... thats cant pay NCfinancial last month ... please help me im have give time for my mom really have XXXX XXXX problem thats y. Please
04/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22030
Web
I live in XXXX XXXX, VA - On XXXX, XXXX. I contacted NetCredit.com for a {$4200.00} loan with auto-repayment of {$110.00} twice a month. Since COVID-19, I called NetCredit and asked why did they take three consecutive payments in XXXX, XXXX during a global health and financial pandemic. They then explained to me that I owe another {$4100.00} dollars, I told them that is not what I agreed to, I only borrowed {$4200.00} ( 200 % interest fee ) and that's what my contract indicated. Since XXXX, XXXX, I have made a total of 41 payment of {$4700.00}. I had fulfilled my loan repayment obligations, but instead of coming to an agreement to Cease and Desist with multiple communications, NetCredit has started reporting me to all the Credit Bureaus to ruin my credit/FICO scores. I am at my wits end to end the harassments and threats to continue to report me to the credit agencies. Please send my complaint to Attorney General XXXX XXXX against NetCredit. They are still operating under predatory lending principles. There contract is confusing and very deceptive. I am fearful that I will loss everything. Sincerely, NetCredit Victim
09/23/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 440XX
Web
I have contacted the loan company i went thru for a payday loan. The companies name is CashNetUSA. I sent them an email telling them I wish to exercise my right as an Ohio resident and defer the payment as well as " I revoke my authorization to debit my bank account ending in ( insert last XXXX bank account number ) and debit card ending in ( insert last XXXX numbers of debit card ''. The company responded to me saying they do not legally have to revoke the authorization and that they can charge my account until the loan is paid in full. I told them I did n't have the money at the time and do n't want charges for overdraft and bounced check. My bank is first merit which is in Ohio. I also contacted my bank and their response was that there is no pending charges at the time. If I wanted to I could pay {$33.00} to issue a stop payment against the company. That should n't even be necessary as I said specifically I was revoking the authorization. Also let it be known, the contract I signed had nothing stating I could or could not revoke the authorization. The company is playing games with loopholes and violating my rights.
05/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 20191
Web
ON XX/XX/2018 I TOOK OUT A PAY DAY LOAN FOR $XXXX FROM NET CREDIT. NetCredit Attn: XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX Phone: (XXXX) XXXX Email: XXXX Fax: (XXXX) XXXX XXXX THEY ALSO HAVE AN ADDRESS AT XXXX XXXX XXXX, XXXX, TX 75063 AND PHONE NUMBER XXXX. I WAS UNABLE TO MAKE THE PAYMENTS BECAUSE NET CREDIT WAS ADDING OUTRAGEOUS FEES AND INTEREST TO EACH PAYMENT. I WAS UNAWARE OF THEIR PROCESS. AS A RESULT, MY INITIAL AMOUNT THAT I OWE OF $XXXX HAS SKYROCKETED TO $XXXX AND GOES UP AND UP EVERY MONTH. IT WILL REACH A POINT WHERE IT COULD GO OVER $50,000+ IN ORDER TO GET HELP I ENROLLED IN A DEBT RELIEF PROGRAM WITH XXXX XXXX. NET CREDIT HAS REFUSED TO ACCEPT A PAYMENT OFFER OF THE ORIGINAL $XXXX; INSTEAD, THEY ARE BASING THEIR SETTLEMENT NEGOTIATIONS ON THE $XXXX. NET CREDIT IS SO MUCH LIKE A LOAN SHARK. THEY DON'T EVEN CARE THAT FINANCES HAVE BEEN AFFECTED BY COVID19 AND PAYMENTS OF MORE THAN $400 A MONTH ARE NOT DOABLE. THEY DON'T CARE! THEY WILL JUST ALLOW THE DEBT TO BALLOON TO AN OBSCENE AMOUNT. THIS CANNOT BE FAIR. AND, I DON'T UNDERSTAND HOW THIS CAN BE LEGAL. THANK YOU.
08/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 35007
Web
I received a flier in the mail stating that I had been approved for a {$2000.00} " line of credit. '' When I spoke to the representative it was explained to me that I could borrow various amounts up to the {$2000.00}. XXXX payments were broken up over each of my pay periods ( bi-monthly ). I borrowed {$600.00}. The repay amount seemed reasonable and I thought I would be finished with the loan in 3 months. It was not explained to me that there is a fee per {$100.00} charged each time a " Draw '' or borrow was made until later. I could not understand why it was taking so long to repay the loan. I contacted the company to inquire about it and that is when it was explained to me about the fee charged to borrow. The fee is taken off the top along with excessive interest making it virtually impossible to repay the loan. This was explained to me to be a " line of credit '' but the fees to borrow money and the interest on the money borrowed is misleading. This is not a " line of credit '' this is a " lifetime '' payday loan. The company is charging 299 % interest each pay period for each payment. Unlike a line of credit loan.
04/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • XXXXX
Web Servicemember
I took out this loan. I was paying on if for 2 years prior to Covid19 and my balance never changed. Covid19 hit, I list 6 family members to include my mother. I have had my own battles with XXXX I have siblings with long term symptoms. Several people remain out of work today. A lot has been placed on me! I can no longer make payments in the amount that they want. I asked for an interest rate reduction. I need a permanent reduction in the payment and the interest rate. The majority of my payments go to interest. At this rate it will take way to long to pay this off. They have pushed some payments to the end of the loan. When the time frame comes to an end I am still not able to pay the entire payment. The majority of my payment still goes to interest. I asked for them to forgive all or a portion of the loan. They will not do either. Im going back and looking over my loan, the interest rate is tremendous. I am pretty sure they have broken the Usury Laws in Georgia. I feel that I am a victim of Predatory Lending. They were also sued in Virginia for Predatory lending practices. as recently as 2018. I just need some help!
04/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MI
  • 48371
Web
On XX/XX/2021 I applied for a personal loan with Net Credit. I was " approved '' for a loan in the amount of {$2700.00} and allowed Net Credit to view my checking account via their online account link. I then received an email indicating I needed to provide a copy of my most recent bank account statement, which I did immediately. Shortly after submitting my bank account statement I received an email informing me my application was denied due to the fact my checking account was associated with a different loan account at Net Credit. This is true. My husband has an individual personal loan with Net Credit for which he is the sole obligor. Likewise, when I applied for my loan, I applied individually and was conditionally approved based on my own credit and income. The fact that my loan was denied simply because my husband and I share a joint checking account creates a condition of disparate impact in its purest form. I would ask Net Credit to review this discriminatory policy as any couple sharing a joint bank account will be denied when other couples who happen to have individual bank accounts will be approved.
06/21/2023 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
  • CA
  • 92025
Web Servicemember
This account was opened in XX/XX/XXXX and became delinquent soon after in XXXX. It has been incorrectly reported every single month as XXXX days late- even after the 2 year mark. This company continues to intentionally make this erroneous report to all 3 credit agencies with the intent to harm my credit score even 4 years after the loan was disbursed. This should have been charged off two years ago. I have disputed this debt, I had a credit repair company, XXXX XXXX, try to resolve it on my behalf, they were unsuccessful as well. The amount of interest and fees have now more than doubled the amount of the loan. The original loan was {$2700.00} and is now {$5400.00}. My only source of income is from a state XXXX program called In Home Supportive Services that I get for caring for my XXXX XXXX children. I am unable to work outside the home. This preditory creditor is making false reports to the credit agencies every single month to destroy my credit as revenge for not being able to repay this debt. Soon after I took out this loan I got XXXX twice- as did my entire household- and had three deaths in my family.
10/31/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • VA
  • 244XX
Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with Net Credit, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap. Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.
12/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TN
  • 37601
Web
When I applied for this loan, I was not given a definitive interest rate nor payment amount. I was desparate and took it anyway based on being assured I would receive the complete information when the loan was completed processing. I was told I had until my first due date to return the money if I did n't like the terms. I told the company I do n't do business by email but was told that was the only way for me to get my loan information. I have requested the terms and payment schedule in writing but was refused saying they only use electronic communications, however their loan offers still continue to arrive USPS along with their collection notices. I still have n't gotten the loan information even by email. I borrowed {$800.00} which was deposited electronically into my checking account. Without my knowledge or approval, {$210.00} was then withdrawn by CashNet out of that same account. When I called CashNet about this, I was told that is how repayment is done but yet the company still REFUSED to give me a definitive payment amount or due date. I have refused to make payments until this matter is settled.
07/27/2020 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
  • OH
  • 45230
Web
These are some reports I would like to remove from my report both XXXX and XXXX. Im a poor hardworking XXXX and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX debt and XXXX and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
03/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 91607
Web
I received a notice to apply for CashNet in the U.S. mail. The notice informed me that I was pre-approved and eligible for a {$2600.00} loan in which I accepted. Upon accepting the loan, I was then placed on a repayment plan that will total {$8000.00} once the loan is completed after a 15-month period. I was not informed of the 3-digit interest rate prior to applying for the loan. Also, I called the loan company in order to request an extension on my first payment, which was due two weeks following the loan approval. I was told that I had been granted the extension, however payment was still debited from my account and as a result my account was in negative. The {$60.00} that was remaining in my account was charged due to overdraft fees. I have had to close my account as a result, as this action on the part of the company made it difficult for me to cover daily expenses such as buying fuel and food. I live in the state of CA and I see that legally a pay day loan is to only allow a maximum of : Maximum Loan Amount : {$250.00} if maximum fee charged. If this is true, the company also violates this law.
09/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • KY
  • 410XX
Web
I got a line of credit in XXXX of XXXX, and they were drafting XXXX out of my checks bi-weekly. I was moving from XXXX, back to XXXX and was going to file bankruptcy because I was struggling ran into medical issues and contacted net credit that I was going to file. I contacted noncredit because I have gotten back into a better financial situation and not filing, they told me the balance was {$3700.00}, and that I would still owe {$5400.00} and i asked how I only borrowed {$3000.00}, and I would like to take care of the XXXX they said if i didn't pay the full XXXX each month they would still report to credit bureau in default. I told her I would have to see if I could find research on this predatory lending, high interest rates, and lack of offering a way to resolve the debt to help me. I called back, I emailed it takes forever to contact them. I got, an email finally telling me they closed my loan so only options are to pay the balance of {$5400.00} or to make XXXX installments of {$50.00} until XXXX so for XXXX years they are going to impact my credit, and take my money. How is this helping?
12/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • OH
  • 447XX
Web Servicemember
I paid the remaining outstanding balance on my CashNetUSA line of credit and requested that the account be closed permanently. The company refused stating that it could not be closed due to auditing purposes. I asked for my line of credit to be reduced to XXXX, they refused for the same reasons. The fact that they refuse to close my account is making it difficult for me to close on a home due to underwriters requiring that this account be closed. I feel this is both predatory as it is an attempt to trap me with this inferior credit product. Also, a company can not keep an account open for me for any reason when I have no further debt to them - this is also unlawful. The account does not need to remain open to satisfy auditing purposes - this was a blatant lie as well as a ridiculously absurd claim. I requested for the account to be closed with my credit line cancelled immediately and to receive written notification thereof, and CashNetUSA refused. Please help because as I stated earlier, this account is holding up the underwriting on closing my home loan. Regards, XXXX XXXX XXXX XXXX
08/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 647XX
Web
I have been struggling for 2 years with this company. I'm a single mother of XXXX boys and can hardly pay my bills. I took a loan out XX/XX/XXXX in amount of {$5400.00} as of XX/XX/XXXX I have paid back {$6800.00}. That is my principal loan amount plus {$1300.00} extra they have made on interest. I have offered them a settlement to settle this account. I offered {$800.00} paid in full, making a total paid back my full principal plus {$2100.00} gain to there company. That is a gain of 40 %. I find that to be a very fair offer. They wont even consider trying to help and take that over XXXX and settle. They would rather someone loose everything. I'm very interested in finding or seeking a lawyer if they do not as well as filing a complaint with the state. I at least have paid my loan in full plus over XXXX they made in interest. They shouldn't be able to do these predatory loans in Missouri, they currently have a suit against them for doing illegal stuff with Virginia! People who are desperate and do not understand, nor did they actually go over the full loan details when I took the loan in XXXX.
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90505
Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
03/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • VA
  • 23235
Web
NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in XXXX and charging an annual interest rate of 150 percent. XXXX. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the XXXX State Corporation Commission . NetCredit is not licensed as a consumer finance company by the XXXX SCC. When questioned about the above, NetCredit claims that their XXXX license authorizes it to make loans to XXXX residents. ( 1 ) Utah does not even license this kind of business. Businesses are merely required to give notice if they are conducting this kind of business in XXXX. ( 2 ) NetCredit is a XXXX, LLC with its offices in XXXX and, as near as I can tell, no physical locations in Utah ; and ( 3 ) XXXX absolutely has the right to statutorily regulate loans made to its residents. XXXX Code Ann Sec . 6.2-1541 provides that loans made in violation off sec. 6.2-1501 are void and NetCredit is obligated to return all principal, interest and fees paid by me.
07/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 90036
Web
I am so confused by the terms of this loan. I took out a {$1000.00} advance when I finished XXXX school to move on XXXX XXXX. I have made XXXX payments of over {$390.00} each ( XXXX ) against the balance, yet still owe {$830.00}. There is no ability for me to calculate how many payments I will make or when this will be paid off. The initial terms are worded in a confusing way, I had no idea this was going to essentially be debt slavery. I called the lender today to explain I could not pay another {$390.00} payment and they told me there was nothing I could do to postpone or stretch out the payment. I currently have no money because of this. No money for food or life essentials. The company provides no repayment schedule, no breakdown of where my payments are going ( i.e. principal and interest ). It just takes huge payments and seems to apply very little to the balance. I 'm scared this will go on forever because it seems that the interest or terms are so high that it is impossible to payoff. This is usury and intentionally confusing. I have no idea when I can ay this thing off or how.
07/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 71301
Web
I was browsing the various options for products on credit karma and viewed a product for a title loan with a company called XXXX XXXX XXXX. I was simply looking because it had said I was pre-approved for a loan so I was simply curious about what I'm currently eligible for since I am trying to raise my credit to purchase a home. I did not authorize any formal request and did not authorize for any company to check my credit. A few minutes after leaving the page, I checked my email only to find a notice of denial for credit from a company called " Net Credit ''. I sent an email to their support team advising that I made no such request, and that I would like my information removed from their files. I am filing a formal complaint because this was not even the company who's product I was viewing, nor did at any time did I request any product from any company that would require a credit check. XXXX XXXX should be made aware of these shady products on their site where simply clicking on a pre-approved offer lands you with a hard inquiry on your report by a company you've never even heard of.
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • TX
  • 76063
Web
On XX/XX/XXXX, I received an email from NetCredit saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to NetCredit and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!
01/20/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • XXXXX
Web Servicemember
I have tried numerous times to pay by bill in full. They are Predatory lenders involves unfair interest rates and fees and often targets consumers with bad credit or low incomes who may have fewer options when borrowing money. This company targeted me as I am a XXXX veteran and had less than perfect credit. I have called and so has my wife trying to pay the account. I only borrowed XXXX dollars and want over XXXX back from me. I was a Virginia resident and there is a lawsuit against them from Attoney General XXXX for predatory lending to Virginia residents. The cap is supposed to be 12 % to Virginia residents. The first time I and my wife called they stated they were uncomfortable to talk to me or give there name for my records and I said what did I do that you felt uncomfortable talking to me. I felt discriminated against and I told them so. I have multiple emails offering me to pay my account or offering a settlement but they refuse to work me. I recorded phone calls of how they treated me and wife which they were notified of being recorded. They are rude and use abusive tactics.
10/07/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19802
Web Servicemember
This company practices in predictory lending practices during the pandemic. They advertise on their website the following ( https : //netcredit.com/blog/how-cares-act-impact-credit-score/ ) : " During the CARES Act, if your finances are affected by COVID-19, you can make an agreement with your creditor to update or change your payment terms, which may include temporarily skipping or reducing payments. As long as you maintain the new terms, youll be able to keep your account up-to-date without any damage to your credit score ''. I had to miss a couple of payments during COVID-19, and I communicated with netcredit from XX/XX/2020 to XX/XX/2020 and instituted repayment plan. During the CARES Act, my finances are affected by COVID-19. I made agreements to change my payment terms. I have maintained the new terms, but Netcredit is still reporting me as late to the XXXX, XXXX, XXXX and damaging my credit score. I called and wrote a letter, asked to speak to suupervisor and was unable to. This company is currently being sued in VA for predictory lending practice. Horrible company.
11/30/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92243
Web
I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment.
04/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • XXXXX
Web
On XXXX XXXX, I contacted Net Credit and was transferred to collections to get help with my account. I told NetCredit Collections that I was having major issues financially due to the COVID-19 pandemic. I was really upset about the death of my co-worker and unexpected job closure that took place in XX/XX/XXXX and should've waited to call NetCredit. They told me they would defer the due payments to the end loans and that gave me relief until I could figure things out. Today I ( XX/XX/XXXX ) called and said I'd pay XXXX on XXXX from stimulus check. ( I need to get better ) They told me I have two payments due and account is past due.I was very upset because when I called for help they assure me not to worry because who knows the timing to the end of COVID-19 pandemic. They told me I have a past due balance for XX/XX/XXXX that was declined and another payment due. Now I'm stressed all over again trying to reach out for help and to make arrangements to pay didnt work for me and keep I recieving past due notices when I thought they'd help me during this crisis. This is terrible!!!.
05/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 10036
Web
CashNetUSA ( https : //www.cashnetusa.com/ ), a Payday loan provider, fraudulently charged my checking account via my debit card XXXX payments of {$500.00} on XX/XX/2023 ( total {$1000.00} ). I have never heard of CashNetUSA, and I have never taken a payday loan from them or anyone else. I have called them ( XX/XX/XXXX conversation with Cust. Service Rep XXXX XXXX ) to confirm that I do not & never have had an account with them. They will not submit my claim to their fraud department unless I have a police report ( XX/XX/XXXX conversation with CSR XXXX ' ), but my local police will not file a police report without a notarized letter from CashNet saying I was defrauded ( XX/XX/XXXX police visit ), which CashNet will not provide, so I do not have a path forward. I have cancelled my card with my bank and the bank has launched an internal fraud investigation, but CashNetUSA is knowingly accepting fraudulent money as they have confirmed with me that, according to their own records, I have never done business with them. If needed, I have recordings of these phone conversations.
01/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • OK
  • 74011
Web
Wanting to pay my line of credit in full. However, I need to update my banking information for that pay off. I can't update banking information online. I have spent the entire day trying to reach someone at NetCredit. Their phone system has disconnected me 5 different times after waiting online for 15 minutes. I finally got through and ended up sitting on an open line for 45 minutes. I could hear the agent singing and talking and it sounded like she just answered the line and then set it down. She was not on other calls because nothing she was saying sounded like business. While on the 45 minute open call I decided to call from another line and have now been sitting on that call for 40 minutes, no music nothing just the occasional static. Seems to me that NetCredit would like it near impossible to pay this line of credit off so that an individual doesn't have to continue to incur outrageous fees. My pay off is going up hundreds of dollars everyday I don't get it paid off. I did also send an email, but the auto response said it could be several days and suggested I call.
02/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AL
  • 350XX
Web
there is a company called cashnet who keeps calling me multiple times a day at my cell phone number which has been on the do not call list since 2011 ... they call before XXXX XXXX.. and after XXXX XXXX and several times during the day. so far just today they called me at XXXX XXXX this moring XXXX again and then at XXXX XXXX ... I told t he one who called at XXXX don't call me anymore and to remove my number from their call list ... he assured me he would and promptly hung up.. an about two hrs later I get another robo call from the same company.. i called them back seven or eight times asking to speak with a supervisor and they kept hanging up.. and then she asked me what was wrong with me ... and i said i don't want you to call my phone anymore. she said well stop calling me i don't have time to waste talking to you. and hung up.. i called back and said when your company stops calling me i will stop calling you back. I have never given this company my info. i have never asked for a loan from them and they are harassing me and i want to press charges against this company.
02/09/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • KY
  • 420XX
Web
XXXX XXXX XXXX XXXX XXXX company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX XXXX sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our Court House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.
01/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • CA
  • XXXXX
Web
I have had a high interest loan with Netcredit.com, since XX/XX/XXXX. I have always had access to their website to review my account information. Payments have also always been made on a monthly basis. In XX/XX/XXXX, I started to notice that the website was down. Each time I logged in, I would continue to receive a message that stated " Whoops, something went wrong. Please try again. Or call customer service at ( XXXX ) XXXX. '' Since XX/XX/XXXX, I have had absolutely no access to my account information, yet Netcredit continues to deduct my account on a monthly basis for payment. I have called at least once a week, with only to be left on hold for over an hour - and only having an automated message to listen to. I have also sent them several emails thru their " XXXX '' email with no response. The first email sent was on XXXX, and since then I have sent XXXX emails asking for follow-up with no response. Since this loan company has essentially " disappeared '', I have contacted my bank and temporarily stopped payment until I have access to my account information.
03/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WI
  • 53222
Web
I took out a loan with this company on XX/XX/XXXX. In addition to the bi-weekly deductions that are set to cover my payoff I made an additional payment towards the principal balance only and they never applied it to the principal amount. I called to make an additional payment towards the principal balance on XX/XX/XXXX and was told my payment would not be applied to the principal. I am trying to pay the balance of this loan and it seems my efforts are not working. The loan was originally for {$2800.00} in XX/XX/XXXX and I have made bi-weekly payments of {$170.00} starting in XX/XX/XXXX and the balance is currently {$2700.00}, I understood this was a high interest bearing account but when trying to pay towards the principal balance my efforts are being thwarted. I need someone to look into this and provide me with a reason I can't seem to pay this loan down. I was told by a representative I will have to call on my payment due date to pay {$700.00} towards the principal and still have to pay the {$170.00} that is due at that time this just doesn't make any sense to me.
02/17/2021 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
  • 770XX
Web
This company NEVER sent a response as to why I was " approved '' and then declined. They have never emailed me to contact me about this matter, yet they lie and claim they contacted me. No emails whatsoever. As I stated previously, when I called to check the status of the application it had NOT went to underwriting according to their agent but I was approved as underwriting was the final step. I was also PROMISED by their agent that my credit would only be pulled once it went to underwriting which at that point it had not. They confirmed their agent made a mistake. That said, had the agent said it was a pre-approval then I would have never continued the process and there would have been no need to check my credit creating 2 inquiries by Headway Capital on my credit report. So no, I did NOT knowingly give authorization as that was only done AFTER I was told by their agent that I was completely approved. This company has yet to email me anything and I have asked for an emailed response ONLY! Still waiting to hear back from the company that lies repeatedly.
04/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • MN
  • 55109
Web Older American, Servicemember
I had taken a personal loan on XX/XX/2022 for {$5800.00} and i paid it off XXXX XX/XX/2022. When my refinance company paid it off {$5700.00}, NET CREDIT told me i still owed {$650.00}. So i sent a check for {$650.00} along with the {$5700.00}. i had contacted Net Credit the following week. and the women I spoke with told me they were cancelling the check. This check was cashed ar my bank on XXXX XXXX XXXX i called Net Credit and told them the check was cashed after telling me it would be cancelled. They told me thaT the check was not cashed. I then sent them proof from my bank it was cashed. Then they told me the check was applied to my loan. I have been trying to get a amount of the payoff. they continue to tell me it is paid off. i wan a account statement the amount of my pay off and the amount I paid on interest I requested this 3 times and all i get is the loan is paid off! no amounts ere given to me other then don't worry loan is paid off. It seems really really odd thar they don't want to give me numbers and the {$650.00} checked canceled then cashed.
09/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 79423
Web
I applied for a line of credit with Netcredit in XXXX and first payment was due XXXX XXXX in which I didnt know I thought it was month payment like the rep stated when I called and asked about payments I was told before getting approved a rep would call big payments are monthly None of thsgg to happened everything that was told to me was incorrect website misleading I asked numerous of times are the sure about payments stated yes I have been calling Netcredit everyday since then I get hung up on called names XXXX n hold for hours cursed out again I sent emails reps calls and its the same thing when I told them I didnt want the loan still charged {$230.00} plus company stated I couldnt return had to make payments I tried to make first payment company place me on hold never answered then late fees are {$130.00} every 2weeks I told managers reps lead reps what happened all they say is sorry you shouldnt have got the loan but all this info is not known until after funding.company wont give me info n payment my login info is shut down seems like I was a predator
07/19/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75455
Web
I pulled my credit report on XX/XX/23 due to a XXXX point decrease in my FICO. I learned there was a collection placed for {$2000.00} from a collection agency XXXX XXXX XXXX in XXXX, Ga who purchased the debt from CASHNET USA. I tried to dispute it the same day and XXXX sent a finished investigation today stating its accurate. I contacted XXXX XXXX and XXXX XXXX sent me the original application but it doesnt have the actual checking account number listed, a signature not drivers license listed. They sent the IP came from XXXX Tx which Ive never resided. Ive put a fraud alert on my account for a year and froze my account. This person used my previous apartment address with my old employers phone number from 12 years ago for contact info. Also, the email they used was XXXX which isnt mine. It looks like the original payday loan was for {$800.00} and the interest has accrued to now {$2000.00}. I feel like Im going in circles trying to access the original application. I also filed a identity theft report. Im not going to file a police report today as well.
05/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21220
Web
My financial situation have not improved, and I am still searching for a full time job without success so far. And, I am struggling to even pay my rent and other basic necessities. As a result of this, I have been negotiating payment plans with my lenders. One of them, namely, CashNetUSA, is being tough with negotiations. I have explained my current dire financial situation with them. And, for the past 2 months I have been begging them to give me an extended payment plan in which I will be paying them {$50.00} per month until my loan is paid off. I also begged them to stop charging additional interest to my balance with them since, so long as they continue charging their high interest to my balance, my proposed monthly {$50.00} payments will never pay off the loan. CashNetUSA refused to consider my request. Meanwhile, my loan with them have continued to accrue interest which they capitalize to my balance, thereby making my balance with them to continue to grow every day. I will be glad if you will assist me in persuading CashNetUSA to consider my request.
11/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • ND
  • 583XX
Web
NET CREDIT XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Line of Credit XX/XX/XXXX Open Open. {$6400.00} past due as of XX/XX/XXXX. XXXX XXXX 241 % {$7300.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} {$67.00} {$6400.00} {$7300.00} Individual Comments : Account payments managed by a financial counseling program Contact Into : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I closed this account due to unavailability to work in XXXX due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They verified and confirmed that it would be closed and did not follow through on my request and continued to collect interest on an original loan amount of {$3000.00} that turned into over {$7000.00} with a 241 % interest rate. XX/XX/XXXX. XXXX XXXX This also needs to be taken off of my credit report due to the amount of time that has passed from XXXX
12/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • MS
  • 394XX
Web
On XX/XX/2022, I completed an application for a personal loan. I submitted my paycheck information through my online bank account. The company posted an EST. Date of XX/XX/2022. On XX/XX/XXXX, I sent an email to their loan processing department to inquire about the status of my loan. They replied saying the application had expired. They stated that I need to resubmit another application. I replied by stating that I didnt think it was fair for them to run a hard inquiry on my credit while they let the application expired. So, I re-submitted another application, but I told them not to run my credit again. After re-submitting another application on XX/XX/2022, I was given another EST. Date of XX/XX/2022. I have checked my email several times, and I have not received any updates. I have all emails that I sent. I received several emails from the company stating that someone will get in touch with me either by phone or email. However, I have not received any form of response. The customer service only allows the consumer to update their emails or phone number.
12/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • CA
  • 91702
Web
I need assistance removing account from this scam company collected my information and co tinues sending emails. In XXXX received email about how XXXX users no longer supported or given services. I received an email of this company 1 yr after reported this company to police for obtaining social security and ID and personal information. They refused to delete my data and account even if they fraudently obtained my social security and information over phone. I currently not seeking loan this company as fell for scam.for this company kept asking me for my banking credentials and other private do which reason called XXXX XXXX XXXX in XXXX over what happened.I would like this company delete data and take down my I do as they refused and only fraudulently obtained my. formation over phone and email under XXXX would like this company to remove me.from their site and data as they refused even don't honor services for XXXX residents received bad service from company email and over phone. Is reason seek XXXX help for them to close account they created fraudently
05/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 76039
Web
My personal Information is being shared through the dark web in many different ways. My dob, ss #, old address, phone, old bank info, and my email. I have aggressively attached from information from 10 years ago. I've worked so hard for weeks to track down many different sources. Cash Net USA has an account on me from 10 years ago. They told me they sold my information to XXXX XXXX XXXX who then sold it to XXXX XXXX who told me it's on a " shelf ''. A few weeks ago XXXX XXXX XXXX contact me about a loan in my name which I did not request. I had to file a police report # XXXX. I have been getting fraud calls up to 20 a day. a company called me from NY called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. Registered with the sate of NY as a business. Very NASTY! Had all of my info from Cash Net USA. Demanding my debit card for payment. XXXX XXXX XXXX XXXX has just emailed me the loan that was summited in my name with old info that I NEVER filled out after I sent them a copy of my police report. I'm so terrified. I have purchased prime life lock protection.
02/07/2017 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • MD
  • 21061
Web
First I just looked into getting a payday loan I never intended to receive any money at the time I wanted the funds just for reserve. I called Cash Net USA to pay off the balance I was told it was XXXX $ that was after paying XXXX that same day. I called to make the final payment of XXXX to it all of a sudden changed to XXXX. I was on the phone with the company for over an hour to get the loan resolved I was put on hold just for the lady to return saying that the payment could n't be processed that it needed a managers approval. Five minutes later she said everything was ok to paid then the total went up to XXXX in a matter of five minutes. I was told that it went through.. I logged onto my bank account to see that both charges processed through my back XXXX in the amount of XXXX and another XXXX in the amount of XXXX. I immediately called them back and they had no record of big transactions now I am fighting to get my money back he statement that I submitted via email which I was told to do was n't good enough.. these people steal people 's money!!
11/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76010
Web
I loaned XXXX from cash net, they removed payment every week at high interest rate.. when I realized the money was gwtting too much they remove, I decided to make the full payment.. On XX/XX/2021, I called the cashnet USA XXXX to ask for the full amount I owe. Which includes all charges, interest and all. The representative told me XXXX ( their calls are recorded to confirm this ), I made the full payment the representative quoted me after severalconfirmation that was all the payments. Weeks later I got a call that i am owing almost half of what I paid. I have called them several times to address this issue and nobody as been able to resolve this. Twice I was told they will file a complaint and call me back but all they do is call me back to ask for their payment. I simply asked your company to listen to the call and verify I made all the payment but they said sorry the lady may have made a mistake. I consider this fraud by trying to collect more from me because their interest will not be as much since I paid the full early. Pls help me intervene.
06/26/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • XXXXX
Web
I took out a small loan in XXXX after a car accident that I was not at fault but it prevented me from working ; the loan company NC Financial Solutions stated that I would be able to pay back this amount overtime inurnments. During my signee I went into detail about a legal tort that I already had in place with XXXXXXXX XXXX XXXX XXXX service and how'd be paying them back with these funds. Things changed and in XXXX Net Credit aggressively go involved with that tort nd in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX served me with legal papers filed in XXXX XXXX. They paper work made it seem as though this debit was clear and when I finally got paid out from the XXXXXXXX XXXX XXXXXXXX it was substantially less because it was the remaining funds. Now, I'm getting new letters from lawyers saying that NC Financial Solutions of XXXX, XXXX is now getting XXXX XXXX, XXXX to file a law suit against me in XXXX XXXX. Surely, thus has to be double dipping. Thank you kindly for your attention and time regarding this matter. Shalom Truly, XXXX XXXX XXXX
10/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70068
Web
XX/XX/2021 a loan was funded to me. I needed the money to survive from getting XXXX. This was done online over phone. Net Credit 's disclosure is small print and very long and confusing. It shouldn't be appropriate due to the interest rate being 98 %! DAILY INTEREST In a state where that rate is illegal! I borrowed {$2000.00}. After 3 months of bi weekly payments automatically being drafted out of my account. I happen to see the balance was {$2400.00}. I was in shock. Not realizing making payments on time and the balance only increased! There was no way I could afford this. Especially after hurricane XXXX. Rent doubled along with gas and utilities and food. I had to move in with a friend. And my child had to go live with his father. All Net Credit will say that I electronically signed saying that I understood the disclosure. If this is how they do business? I am sure there are many other people going through this same thing. This takes loan sharks to a whole new meaning. They should not be in business. And someone needs to stop them.
10/02/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 38018
Web Servicemember
hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX my XXXX is presently XXXX XXXX XXXXXXXX. at the branch on XXXX XXXX in XXXX tennessee. i work 6 days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my post by a gentleman serving me a summons. it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( ES ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX it is for an account with cashnetusa acct was charged off on XXXX XX/XX/XXXX. i am unfamiliar with said acct. after work, i went home to research my credit reports to look for this debt. after thorough searching i found the following results... XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there
03/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • NE
  • 68164
Web
Back in XXXX on the XXXX of XXXX, I requested that they no longer contact me. I called them up and have it recorded that they agreed to no longer email, call, or send letters in the mail. I had an agreement set up through a third party to pay off the loan. They sent a letter out in XXXX on XXXX XXXX stating that I owed them Money. They then sent out another letter in XXXX on XXXX XXXX. This resulted in someone in my family seeing this letter and sending them over {$2500.00}. The amount that I owed them through an agreement was {$990.00}. I tried to call them again and demanded that they repay the money back. They refused to do anything about. I called again last Wednesday on XX/XX/XXXX and talked to someone about it. They assured me nothing was sent out after the XXXX of XXXX. When I started telling them that I am still getting letters and causing problems in my family they assured me someone would be calling me by last Friday, XX/XX/2023. I just called them up again and they still have no answers or anything on what is going.
01/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 79925
Web
I applied for a payday loan in the amount of {$1800.00} on XX/XX/XXXX. I mailed a letter and emailed an attached letter revoking authorization to debit my checking account. They sent an e-mail saying that they got my letter and they confirmed that I had canceled electronic ACH authorization. I was going to pay CashNet USA with a money order, but I found out that I have a pending payment in my checking account in the amount of {$2200.00} on XX/XX/XXXX. They went ahead and with the electronic withdrawal even though I had revoked ACH authorization. They charged me extra fees that go along with getting an expensive payday loan. They also refused to give me the mailing address to send a letter to revoke ACH authorization. They claimed that the loan had to be paid in full before I could ask to revoke authorization for ACH payments. They took money that they weren't allowed to take and now my account is in overdraft. I doubt they are going to pay my overdraft charges. They also don't respond to e-mails regarding revoking ACH payments.
12/05/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • MO
  • 631XX
Web Older American
This National Net Lender ( XXXX ) without any input from me, EVER... ..simply deposited {$600.00} into my XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX and then on XXXX withdrew {$170.00} ... ... ... ... ...... again, I never applied for any loan... ..with any company ever. This is a small savings account at XXXX XXXX XXXX ...... I tried calling XXXX XXXX XXXX ( XXXX ) and was put on hold and then when I finally connected with a person ... ... the line was cut off ... ..this happened XXXX times ... .... XXXX has since tried to debit my savings account. The bank has rejected the withdrawal attempt but XXXX continues to try to make withdrawals. XXXX XXXX XXXX refunded the original {$600.00} and gave me credit for the {$170.00} ...... BUT XXXX DOES NOT STOP TRYING TO DEBIT MY ACCOUNT ...... THIS COMPANY IS OUTRAGEOUS... .You just got a judgement against them and yet XXXX continues to access personal bank accounts without any permission. How does the company get our bank account numbers in the first place? ......
04/05/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 902XX
Web
Today I requested that XXXX XXXX communicate in writing only via USPS mail only, they continued to email and text me. I asked them to stop texting me in writing in the attached yet they continued to do so after it was received. I have all of this very well documented. They have broken the law under the California Rosenthal Act And TCPA XXXX. My letter to them is attached. They wrote to me today at XXXX " starting on XX/XX/XXXX. If the account is past due for more than 30 days, the account may be sent to an outside collection agency. Once the account is sent to the collection agency, this will be reported to your credit and we will no longer be handling the account. '' This is a threat to my credit and is also a violation of the Rosenthal act RFDCPA. I have not filed any lawsuits, but I am also asking that they contact my authorized representative. XXXX XXXX XXXX XXXX. THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
06/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 08742
Web Servicemember
Initially borrowed XXXX from Net Credit and they were not clear as far as what their repayment schedule was. It was my understanding the repayment amount quoted to me was per month, and it ended up being every week! The interest rate is ridiculously high and I called to adjust my payment schedule which it took forever to talk to someone after being put on hold forever and they were rude and couldnt help me lower the payments. After I made the payments I could and then no more, they sold the account to an aggressive collection agency XXXX XXXX, that immediately reported it to the credit bureau that calls about 5 times a day starting at XXXX XXXX. XXXX ( XXXX ) XXXX among other numbers. Net Credits interest rates are way too high. I had already repaid over {$850.00} of the {$1000.00} due and now they say I still owe a total of {$1500.00}. And that is supposed to be a good offer. I would never use that company again. They prey on people that need some temporary help and its a nightmare with terrible customer service.
03/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MT
  • 593XX
Web Older American
XX/XX/XXXX, I had XXXX emails from this company ( NetCredit ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( XXXX through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!
10/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22015
Web
on XX/XX/2014 you went online applied for loan with XXXX XXXX was approved for the loan amount of {$5000.00} XXXX XXXX dollars, was not payments would be taken each time was paid this created a big problem because it made it difficult other bills scheduled for the month.Tried to resolve this initial problem by requesting that payments to be taken only once monthly this never got resolved.XXXX XXXX never changed there position based upon my call for change in the payment structure.we restricted payment on the account by sending moneys via certified certified however moneys were never applied for some reason.funds never transferred out of my account showing payment made, again problem never resolved.When i decided to put a halt to this whole matter by by going to a family member to borrow the money to just pay this loan back minus the payments made totaling {$3500.00} already paid i was told that none of this money paid was applied to principal and my total amount due was over 10,000 I was floored and felt trapped
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 364XX
Web
I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC Financial, XXXX FCU, XXXX Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
06/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • WI
  • 534XX
Web
I received the following email and I did not apply for a loan : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Dear Applicant, Thank you for your recent application. Description of Account, XXXX, or XXXX XXXX : Application for a personal installment loan. Description of Action Taken : We have declined your application. Principal Reason ( s ) for Action Taken Concerning Credit : You have submitted an application that was declined within the last 365 days. Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX
07/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23224
Web
I see a massive balance of $ XXXX on my credit report from the lender Net Credit. I have tried to file a dispute last year, and again this year but XXXX will not assist to the extent Id like. I have not received any contact from this lender or any related to this debt in years and it keeps increasing. It is at the point where I will never be able to even come close to paying this debt without even understanding how the balance could become that outstanding with no notice or communication. Upon searching for more information on this lender it does not appear they are authorized in the state I reside and I am questioning the legalities and legitimacy of this business. As I age, I am even more disgusted with companies that can operate this way and prey on poor people who do not understand when they are dealing with an illegitimate business. I have seen cases of my state filing against them several times and somehow they are still able to get away with stating I owe an astronomical amount when I do not.
10/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • LA
  • 70072
Web
I received a phone call on XX/XX/XXXX from office of state location services about loan repayment that was due by XXXX that evening in order to not be served with documentation for a court date for a loan taken out in XXXX. No documentation was provided about the loan agreement. Loan was supposedly taken out for {$650.00} and if paid by XX/XX/XXXX by XXXX the payment amount would be {$900.00} but if paid in installments the amount came out to {$1100.00}. If served and with penalty total amount would equal to {$2200.00}. I explained that I never received any statements regarding a loan from cash net advancement repayment or that a loan was even distributed to my account. The company calling to collect this debt was XXXX in XXXX XXXX XXXX. Also looked into credit report and this loan was not listed on the report. No documentation was given to me in regards to this problem. A phone call was placed to my place of employment which I was not employed at the time of the loan was supposedly taken out.
03/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • CA
  • 90029
Web
Cash Net USA claims they made a loan to me and deposited to my XXXX XXXX. I never got the money on my bank which is XXXX XXXX XXXX. Any way they have been trying to withdraw the money last week every single day and for the reason XXXX XXXX XXXX cancel my card. I told this people to send me proof of debt verification but they haven provided and they been calling me like 3 times a day to my cellphone and including my employer number. They haven provided proof of debt verification where they have 30 days to do so because I told them I am disputing such debt. I never got such money on my XXXX XXXX bank. They have fail. I told them via text message and phone to Stop all communications and to communicate to via email to the address they have on file. They have fail. So I want you to contact them and tell to stop and XXXX balance otherwise you may impose a fine for violating consumer laws which as debt protection laws and other regulations enforced by the Federal Government. Thank You. XXXX XXXX.
01/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23235
Web Older American
On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.
07/03/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 442XX
Web Servicemember
I have been recieving mutiple phone calls from a so called company name XXXX XXXX XXXX XXXX. Then they send me valdiation letter of debt from XXXX XXXX. The email was XXXX claims divison. i try to look up their information and their is no information on this so called company as in XXXX XXXX XXXX XXXX or XXXX. The orginial loan is from cashnet. I have paid off all my loans. Cashnet emailed me back stating that it is a scam and fradulent activity. The debit is from XXXX XXXX they can not give me an exact date and they will send me anything in the mail to back up their claims. I have asked them twice not to contact me. They continue to contact me. If anything the orginal loan was under 500 dollars. I do not recall ever taking that loan out. Nothing has ever shown up on my credit report regarding this loan. I take care all of debits cause of past mistakes. I wanted to clear this up but they do not want to work with me without a checking account which i will not give over the phone. Thank you.
04/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • LA
  • 71270
Web
I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.
05/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07203
Web
Sometime within the last year I applied for a line of credit with NetCredit which I did not access due to high interest and excessive fees. XXXX XX/XX/2021 I became aware through review of my credit report that the line of credit had been accessed. I have been attempting since this time to resolve this matter with the company. I no longer have access to my online account and no information has been shared with me. They requested a police report which was provided along with an identify theft report filed with the FTC. I also sent a bank statement from the time the funds were sent showing that I did not receive any funds from NetCredit to my bank account. I continue to receive emails demanding payment along with the same response to my inquiries that they completed an " investigation '' and determined I received the funds, but no documentation or information proving this has been sent despite repeated requests. I have shown proof on my end that funds were not deposited into my bank account.
03/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • UT
  • 84404
Web
I am recieving XXXXs from a fake banking company. They sent the offer via mail and i have the letter they sent. Its an offer for a {$1500.00} dollat loan with an intrest rate of 299 %. I know this is a scam because of the high intrest rate. Attached they have a listed website and a seemingly legit buisness. The company name is CashNetUSA. Attached is a card similar to a credit card a traditional legit bank would send as well as a website and a phone number. # XXXX They have another number attached where the person can call to recieve an " opt put notice '' but this is a trick just to obtain the victim phone numbers and possibly sell the number to other companies. The scam is they are posing as a fraudulent credit institution and they are sending it via the postal service and as an XXXX Thier return address is XXXX XXXX, MN permit XXXX. XXXX However its stamped with another address : XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX. This is directly targeting individual residence using XXXX.
11/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 207XX
Web
They continue to report incorrect information to XXXX. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to XXXX that my account is 120 days past due. That is not accurate. I have filed several disputes with XXXX, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.
05/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 657XX
Web Older American
I took out a loan in XXXX. I am elderly and only get {$390.00} a month for Social Security. I have been making payments when I can but I can't pay the {$240.00} payments they want, so every month I call and make arrangements to pay {$100.00} a month which is affordable to me. The company knew when I signed up that I only get {$390.00} a month! This month has been bad..I have had the " flu '' and forgot to call them! When I did call them the lady on the line was very abrupt with me and assured me that this debt would be sent to a COLLECTION AGENCY..no ifs, no ands, no buts. She didn't even make an effort to help me!! Then, imagine my surprise when I check my bank account and find that I am NEGATIVE {$880.00}!!! All because this company decided to suddenly collect all the money I couldn't pay on the loan.. So..now, not only do I owe the loan company but I owe the bank all this money now too!! PLEASE PLEASE PLEASE help me!! I don't have any paperwork because everything was done online!
01/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 71270
Web
I applied for a loan on XX/XX/XXXXand got approved for the loan and after I check my email the company keep sending me a notification about my payment coming due on XX/XX/XXXX, so I make arrangements to pay a half of the loan which I got approved for {$250.00} and I paid {$100.00} on theXX/XX/XXXX so the new year comes around and I get another notification in my email on XX/XX/XXXX saying I have a payment coming due and I just paid {$100.00} on the XX/XX/XXXXit has not been thirty days for me to pay the remaining balance instead I applied for a extension until I get paid the follow month so I got approved for the extension but in the meantime they charged me {$100.00} for me to extend my extension until the next month but they did not tell me that they charge for an extension they just put it on the account at the last minute saying I knew it at beginning of the contract when I did n't not know so if they keep charging for a extension I would end up paying more than what I borrowed.
01/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • XXXXX
Web
Hello, I am a XXXX, and got an email from CashNetUSA on XXXX XXXX, XXXX for someone else -- her name is listed in the email -- advising she was denied credit. I can only presume this person filled an online application out and made a mistake in the email address -- so it came to me. I emailed the company to advise of the issue, presuming they would contact the applicant. Instead, they sent a further email including the person 's credit score and reasons she was denied credit. This is a huge privacy breach, and while she may have made a mistake in typing her email address on the application, I emailed them specifically to advise of the mistake and whatever system they have in place replied with personal information that I should never have seen. I do n't know the applicant and do n't have enough information to find her and inform her of this issue, and the company wo n't respond, so I wanted to let you know as this is something I 'd be concerned about if the tables were turned.
06/11/2022 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
  • Their investigation did not fix an error on your report
  • VA
  • 23224
Web
Upon reviewing my credit reports in XX/XX/2021, I found an account from NC Financial ( at some point the agency began reporting the same account under Net Credit and NC Financial ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
03/14/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30813
Web Servicemember
This company calls my cell phone 2 times a day and my work number once a day and they also send emails - it never stops. I told them that I mailed my first payment to the address on the CONTRACT, which I signed and they told me it was not the correct address and harassed me to pay over the phone - the address is indeed the address where their call center and headquarters are located and the only address on the contract. This company is a loan company that lent me {$3700.00} which I needed for my husband 's funeral expenses. Then the first payment was due in less than one month from the funding date and they tried to draft that amount from my account without my permission. Which caused overdrafts in my account. I repeatedly told them never draft the funds from my account- I will mail a check and not to call me at work or on my cell phone because I am working and I told at least 7 different people the address and amount of the payment I mailed and they would NOT stop calling me.
09/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NV
  • 891XX
Web
I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. This company practices are illegal in the state of Nevada and should not bee allowed to operate here. After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process.
05/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 239XX
Web Older American
In XX/XX/XXXX, I had borrowed up to {$800.00} from CashNetUSA. They wanted me to pay {$390.00} and I asked for a payment arrangement because being on XXXX I could not afford to pay that much at one time ( they had worked with me before ). They did not agree to a plan I could afford this time so I had the bank to stop any payment to this company. They kept adding interest and ran the account up to {$1700.00}. I did not hear from them until XX/XX/XXXX. They offered me a settlement of {$860.00} instead of the {$1700.00} and I had to let them know by XX/XX/XXXX. I agreed to pay {$170.00} a month starting on XX/XX/XXXX through XX/XX/XXXX. They agreed but wanted it to start on XX/XX/XXXX. I contacted them on XX/XX/XXXX and told them that they were breaching the payment agreement when they did not withdraw the money from my account. They emailed me back and said it will take 2 days to post to my account. It is XX/XX/XXXX and they have not withdrawn the {$170.00} from my bank account.
11/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ID
  • 83501
Web
I received an offer in the mail for a loan which I accepted. I went to the company 's website, Cashnetusa, and completed the application. I was approved for a loan of {$1200.00}. I received this amount on XX/XX/19. My first payment, XX/XX/19, was for {$320.00}, which I paid. My second payment, due XX/XX/19, is for {$470.00}. This is ridiculous. That is {$150.00} more than it should be. Also, my current balance is {$1500.00}. This is the exact opposite of what should be occurring. NONE of my payment was applied to my loan. My scheduled payment is {$150.00} more than the first payment I made. This is horrible, I in no way was prepared for a {$470.00} payment. I called CashnetUSA and was told by a representative that " the second payment is always higher, and the third payment will go down ''! This is convoluted and defies explanation. Would you please look into this? No one would take out a loan under these circumstances if this were anything a reasonable person would expect.
11/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30260
Web
In XXXX of this year, I requested and was denied a loan through NetCredit. I am not disputing being denied a loan then or a recent application in XXXX XXXX. On the site there is an option to be removed from partner solicitation and the submit button is faulty, I asked for more information on how to be removed from partner solicitation. When I pressed the submit button it ask for a second step that was not available on the website- it asked to complete a recaptcha option that was not listed anywhere on the website. Additionally, I went on the website and attempted to remove my personal information including my bank account details. The website posted the phone number to change bank information. When I called the number, I was instructed that it was impossible to remove the personal bank account information from the website. As I was uncomfortable having my personal banking information on the website, I asked for my entire account to be closed and they outright refused.
04/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91342
Web
I got the loan in XX/XX/XXXX, I really needed the money since I had just bought a home and was short on funds. Someone called me from the company after I did it online and went through their agreement over the phone and at a very fast pace. Being that I needed the money I agreed and did everything electronically, I have been paying them XXXX every two weeks as of XX/XX/XXXXand it is still going on. I finally called them in XXXX and told them that I had already paid them {$8700.00} on a {$2600.00} loan and that I could no longer keep paying them because I can't afford to. XXXX at XXXX told me the balance was still@XXXX and there was nothing they could do. Is this considered predatory lending? I have paid them 3X plus the amount I borrowed. Can you please assist and let me know if there's something I can do about this, I can't keep paying them as I can't afford to my situation has changed and I'm struggling to keep up with my expenses. Please contact me with any suggestions.
05/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28602
Web Servicemember
I was scammed by an individual named XXXX XXXX XXXX in NC as the netcredit loan was taken. This individual scamming me, also resulted in me blocked from XXXX XXXX, had me XXXX acted as she stole a check from me, and held many felony convictions. In the town of XXXX NC, her parole officer did not perform the required drug tests to allow her to skirt through probation. If anyone owes NetCredit, it is XXXX XXXX XXXX who scammed me. I am a victim of being scammed, and then taken advantage of by Netcredit, who wishes to charge me XXXX percent interest on top of it. I am just making the data complete, as Netcredit is allowed to report incomplete data to the credit bureaus. Incomplete data is not to be allowed on the credit reports, and NetCredit does not have the complete data to provide an accurate picture of me. I will no longer be scammed by individuals such as XXXX XXXX XXXX, or crooked lenders trying to skirt around Florida 's caps on lending to prevent predatorial lending.
12/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 76179
Web
Good Morning, I received a loan with the company Netcredit in XXXX of 2020. I must admit at the time I was beyond desperate, my XXXX XXXX was a XXXX months out of XXXX XXXX and medical bills was killing me. A couple weeks after I lost my main source of employment. However with my children child support I maanged to scrape by and make payment to avoid credit reporting. The original loan was {$3000.00}. I have been making payments since XXXX, however the company is saying that i have a balance of {$2500.00}. How is that possible? On XX/XX/XXXX, I lost my dad, had to take emergency leave to go to the XXXX, I sent an email to the company to let them know that i will not be able to make a payment, however they tried to withdrew payment, sending my account in negative. I tried having loan refinanced as I have never missed a payment and was unsucessful. Please help in anyway dealing with high interest company. I am struggling to get by, honestly can't afford XXXX XXXX monthly.
05/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • AL
  • 35205
Web
My line of credit is {$2000.00}. I withdrew {$1600.00} at the beginning, and have paid {$1900.00} to the company so far. I have not made a withdrawal since the initial {$1600.00} on XX/XX/20. They are stating that my balance is currently {$1300.00}. I have been making on time regular payments, even overpayments. My minimum payments fluctuate, with no explanation of how my payments are being applied. My last minimum payment went up from {$140.00} on XXXX XX/XX/20 to {$190.00} on XX/XX/20. I recently asked to close the account and be put on a payment plan. They denied me closing the account and said that I have to pay off the balance in full first. I explained that my employment has decreased ( full time to part time ) and that I can not keep up with the biweekly payments. They only offered to delay one payment into four parts, with me paying that IN ADDITION to the regularly scheduled future payments. They are offering no relief in payment and/or increasing amounts due.
05/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • SC
  • 291XX
Web Servicemember
On XX/XX/2019, I attempted to move the payment date to XX/XX/2019. During the first conversation with the company I was told that the payment had to be made two ( 2 ) days prior to the payment date which is XX/XX/2019. I then reviewed the attached contract. Per the contract XX/XX/XXXX 's due date is XX/XX/2019 and the contract or website does not state this requirement. I then made a second telephone call to the company 's customer service requesting that the payment date be moved to XX/XX/XXXX and per the contract it did fall within the " two ( 2 ) day ''. The customer service representative could not make the changes nor had any further explanation. I was then transferred to a manager and requested this payment date moved again.The manager then stated that the request could not be made due to a " two ( 2 ) business day prior to the original payment date ''. Again, there is NO written statement in the contract that states what has been stated by customer service.
03/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 24551
Web
Net Credit has violated Virginia 's Consumer Protection Law. The usury cap of 12 % applies to all consumer loans except for those made by licensed financed companies. Net Credit is not licensed in Virginia. The interest rate is set at 98 %. My loan was {$4400.00}. I have paid out {$6500.00} to this company. This company is still practicing lending in the state of Virginia, although it is illegal. This company has been emailing me every single day to continue making payments. They are preying on people who need help during desperate times and they need to be shut down. The company has reported late payments on my account since XX/XX/2020. I informed them that I had to take a leave of absence due to virtual learning for my children. They stated in an email that they would decrease my loan by 10 % if I set up a payment arrangement, but would not remove late payments that are damaging my credit. They want me to pay a remaining balance of {$2000.00} I need help.
06/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43065
Web
XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted NetCredit, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. NetCredit then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed NetCredit of the fraud and I have not received any meaningful information regarding the status of that claim.
03/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 20169
Web
On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.
05/13/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 98030
Web
I took out a loan on XX/XX/XXXX for {$2500.00} XX/XX/XXXX - I paid {$360.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$160.00} XX/XX/XXXX - I paid {$160.00} At this point I experienced a medical and economic set back and couldnt make payments. I had paid them a total of {$1200.00} and my balance has increased to {$3500.00}, {$1000.00} higher than the original loan. I called them on XX/XX/XXXX offering to settle the account for a one-time payment of {$2000.00}, they refused. I also offered a payment plan but they only offered me to pay the {$2000.00} back owed and then continue paying them monthly at a rate the balance isnt being reduced. I have reached out to them 3 times since to no avail. I find their lack of urgency to get this account resolved highly predatory and have now disputed the entire loan on Washington state legality. They continue to report me late and assess fees monthly.
08/22/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43209
Web Servicemember
Representative called to established a new monthly payment. I advised i can only do XXXX $ a month, he stated it has to be XXXX or {$100.00} a month cause they could not do bi weekly payments. He stated he was going to continue with the previous balance of XXXX XXXX please sign the docusign immediately. Ok that does not sound accurate as i have made previous payments. I never signed the docusign with the proposed new amounts. They have over drafted from my account {$220.00}. How can they do this? I did not authorize the payments. None of the payments. Nor signed any documents pertaining to them taking the funds from my account, causing it to be overdrawn. i can prepare the bank statements and provide the previous docusign as the one has expired. just tell me where to send what i have. thank you or i can provide the url and info so you can ask them to send you their most recent request. they are not being fair with their documentation nor collection attempts.
06/08/2021 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
  • Investigation took more than 30 days
  • CA
  • 90746
Web
I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX. -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX -- -- - Dispute letters were sent out XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Inquiry date : XX/XX/XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XX/XX/XXXX and XX/XX/XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. Inquiry date : XX/XX/XXXX Net Credit -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX
05/17/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • NV
  • 89129
Web
I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.
10/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30066
Web
Hello, So, I was the victim of identity theft from a previous book-keeper, ( XXXX XXXX XXXX XXXX He took out this very high interest loan using my information. I DID NOT know the interest rate was XXXX XXXX I would never have authorized this if that had been disclosed. It was deposited into my business account by the book-keeper ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a very high interest line of credit that I would never had authorized if I had known how high the interest was. I have reached out to the company with an email regarding the fraud situation. I also have a case number with the local Sheriff 's office and the FBI to help catch this person who did this to me. FBI Case Number : XXXX and XXXX XXXX Georgia Sheriff 's office XXXX XXXX XXXX XXXX Please let me know how I can combat this injustice. I should not be responsible for debt incurred through identity theft. My company can not afford any super high interest loans.
03/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • FL
  • 349XX
Web
I was taking class as part of the Small Business Administration 5- XXXX to introduce my health drink XXXX. An orientation was hosted by XXXX XXXX, president of SBA. I took class from XXXX of XXXX to XXXX of XXXX to learn about how XXXX could help me in my health drink business. I was introduced to XXXX, an intake specialize at SBA and he was going to help with my health drink business. Then I was introduced to a Consultant whose name was XXXX XXXX. He is one of the instructors who is supposed to help me find a warehouse because I need space. XXXX XXXX and I were supposed to have a launch party in XXXX of XXXX. I was broke around XXXX and XX/XX/XXXX and started looking for a loan. I was knot of where that i receive the loan their were [ problem. I went to my bank in Late XXXX to cash a check. That's how I found out that I had money XXXX in my account. I was expecting some kind of paper promissory note.Then I would receive money in my bank account. .
11/16/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97236
Web
XXXX XXXX XXXX reported on XX/XX/XXXX a collection on my XXXX credit report for {$530.00}. When I contacted the number listed, they say the original creditor was Cashnet USA and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company Cashnet USA that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.
09/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19013
Web
Response on XX/XX/18 CNU ( Cash NET USA ) Stop creating lies that you confused me with another XXXX XXXX and the XXXX. I don't want no loan or on line loans from you or your scams to defraud people with your high interest rates. I have not applied nor gave you permission to. I'm on OPT- OUT with all 3 Credit Bureaus or any other companies running other names or business link to any of the credit bureaus. I'm not getting a police report due to the fact of Cash Net USA fraud and deceit. I have filed with the US Attorney Office for complaints on Cash NET USA. Stop harassing me on your loans/ on line loans for something I have not applied for nor giving you permission. I don't want to call you crooks for nothing nor do I want to here from you or your tricks. Keep what ever XXXX your offering and leave me alone. Stop with the scams how you obtain my information. My next step will be to file a law suit on Cash Net USA and any other party within the scam.
07/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 601XX
Web
Headway Capital provided me with a loan at the end of 2019 for equipment in my XXXX. Our XXXX is not an XXXX XXXX and we were shut down. Numerous conversations, emails and a letter from my attorney was sent to the company to solidify their agreement that they would restructure the loan and halt future payments until they provided a new payment plan as discussed in our verbal communications. They never provided an alternate payment plan. They did not withdraw funds for two months and they contacted me to confirm that no payments would be withdrawn from my account for the months of XXXX and XXXX. On XX/XX/XXXX they withdrew {$850.00} from my account without approval or notification causing my checking account to go negative. This was in blatant violation of the agreement to not withdraw funds without prior approval. Headway was contacted on an ongoing basis for almost 4 months about this account and what would be acceptable for payment.
02/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 24017
Web Older American, Servicemember
When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan.
10/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 341XX
Web
In the beginning of XXXX I called the company NetCredit where I had past due balance to make a payment plan for the balance in the amount of {$3200.00}. They made the payment plan accordingly. However, because the report to the credit bureaus still was showing that my account is over 180 days past due, I had to make the past due payment to them as I couldnt afford to have negative credit reporting every month. Shortly after that the company reported it correctly. However on XX/XX/XXXX the reported to the three credit bureaus that I am 180 days past due with {$3200.00}. I have called them, emailed them more than 4 times as I need my mortgage pre approval there was no response except that they need time to investigate and will call me later. Also although I paid my past due amount the payment schedule remains the same nothing has been changed. They insist they changed it but they didnt. I can not get in touch with anyone except representative.
06/26/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02118
Web
I became aware of a CashNet USA loan that was taken out using my personal information. I have been the victim of identity theft and am currently dealing with several different occurrences. I attempted to resolve this fraudulent account directly with CashNet USA and have spoken with them several times by phone and email since last week, and they have determined the account to be legitimate and have stated that I do owe the debt. I have independently spoken with XXXX regarding the account where the payday loan was deposited, and they have confirmed that I have no ties to that account. I have filed a police report in regards to this as well. The payday loan application used a fake phone number and email address, as well as a false employer. There is ample evidence confirming that I am not responsible for opening this account, and I wish for CashNet USA to cease collections and mail me a confirmation that they will close this account as fraudulent.
11/15/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • CA
  • 92555
Web Servicemember
I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.
04/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85085
Web Older American
I have been paying on this loan since XXXX of XXXX and it is still way too much to get it paid off. The interest rate is 66.74 % APR, I was recently informed that the interest rate since XXXX was capped at 36.00 %. So I would like to get them to decrease the interest amount to the factual per law in Arizona and do to that retroactively to the first day of the loan. I did not contact netcredit because I knew they would argue with me or not answer me, because it took me 3 weeks and continuous contacting them via email to get them to cancel ACH withdrawals. They kept sending me an email back telling me I had sent to the wrong email, but I took the email from the contract where it states the email to contact to stop ACH payments. I finally got thru by sending via fax and also email with a copy of the contract attached with the email highlighted for them to tell me again i had sent to wrong department. So I was not going through the delay again.
04/19/2019 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
  • OH
  • 447XX
Web
I went through a payday company called XXXX XXXX XXXX which is now defunct by the Federal Trade Commission. I received my letter from said company stating I successfully completed the program. I applied for a loan and was denied because I had a payday loan company that is now showing up on my credit report as not being paid that was including in my XXXX program. I don't know what to do this loan is over XXXX XXXX XXXX I do believe. It is Cashnet USA or XXXX. I did receive a phone call from them when I finished the payday program and I explained to them about the program and gave them the information to contact them because they said they were not notified by them. I have sent gotten rid of all my documentation except the letter provided below. How or can I get them to take the debt off my credit report? If not how long can a payday company keep said debt on your record, considering I paid a company to make payments to them. Thank you
02/06/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92530
Web Older American, Servicemember
www.netcredit.com sends me email weekly saying I owe them {$8100.00}. I have asked them to provide proof of the debt. The provided information which was disclosed in several identify thief situation I have been involved for the last 10 years to include Working for the XXXX, data was stolen due to an unsecured computer ( 16 years employed ) XXXX XXXX, XXXX medical records were stolen ( 12 years in the XXXX XXXX ) XXXX lost data. I was with them for 10 years XXXX XXXX XXXX. I work there for 7 years XXXX data breach my credit information was stolen. They were not able to provide me with the bank this money was deposited into. Please have them stop contacting me regarding this loan as it is not mine. I retired from 35 years of federal service in XX/XX/XXXX. This loan was taken out in XXXX. I had no need for a loan during this time as I was getting a government pension, social security and VA disablity. I also own a XXXX XXXX XXXX
05/25/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MO
  • 64015
Web
I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX
05/27/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WA
  • 99224
Web Servicemember
I took out this loan in around XXXX, going through a divorce. I made payments but they were charging 299 % interest, and it became difficult, I believe last payment was made in XXXX or XXXX. I moved to Washington in XXXX, and had given them my updated mailing address. Then the pandemic hit and I couldnt work, now after 6 years they sent me some paperwork from a company called XXXX XXXX XXXXXXXX and XXXX XXXX XXXX threatening to garnish my wages. I didnt think they could come after you after XXXX years, and neither of those XXXX organizations look very legit in a XXXX search. They have given me XXXX days to respond and its already been a week. I have a job now but I am still recovering from the pandemic, and cant afford this right now. Thank you for any assistance you can provide. ( Listing company as Cashnetusa, however XXXX XXXX XXXXXXXX and XXXX XXXX are on the court order which is also to XXXX XXXX, no idea who that is. )
01/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 245XX
Web
I sent a check to NetCredit. I wrote out {$6000.00} but the numerical was for {$6900.00}. It was put in XXXX XXXX lockbox. It was deposited into XXXX XXXX and they discovered and corrected the error XX/XX/20. They put it in NetCredits account. NetCredit has XXXX XXXX. Before I knew this I continued to call NetCredit because the check had cleared. Around XX/XX/20 it was discovered that XXXX XXXX had gotten the check. NetCredit still wanted to be paid. They drafted my checking account in payments to equal the {$6000.00}. I have been provided proof by XXXX XXXX that they transferred the money to NetCredit on XX/XX/20. NetCredit will not answer my calls or emails. They continue to neither confirm or deny that I will be refunded. This has been going on since XXXX XXXX when I told them what XXXX XXXX was telling me. XXXX XXXX then provided me with proof of the transaction and I emailed that to NetCredit. Still nothing has been done.
06/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • VA
  • 23451
Web Older American
I applied for the loan XX/XX/2020 $ XXXX {$25.00} interest+ {$75.00} processing had just had XXXX. Asked the processor about payments and interest rate was quoted wrong rate .08192 % his answer was he didn't have a calculator. Made scheduled payment of {$150.00} XX/XX/2020 and another {$100.00} XX/XX/2020. Principle balance on line showed as {$350.00}. On XX/XX/2020 he interest rate changed and they reduced my line of credit. Called on XX/XX/2020 agent stated rate as .08192 % no calculator, no accounting department and no supervisor. According to Virginia statutes the interest rate applied is usury and 10 % is the cap. On XX/XX/2020 I paid $ XXXX {$35.00} interest and informed CashnetUSA that acceptance of my payment acknowledged payment in full. I contacted the XXXX and Cashnetusa stated I had no account. I have received calls, emails and a letter. I am unemployed because of Covid19 and at high risk XXXX XXXX XXXX XXXX XXXX.
09/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91775
Web Older American
Dear Sir/ Madam, I have a loan borrow with Net Credit in XX/XX/XXXX, I made regular payments to this company until XX/XX/XXXX, ( Payment has been made totally 18 months, set up auto electronic payment every other week, total {$130.00} each month. My borrowed amount is {$2500.00} ( XXXX XXXX ) My total payment to Net Credit {$2000.00} ( XXXX XXXX XX/XX/XXXX ) My balance in XX/XX/XXXX was {$3100.00} ( this is not fair ) In XXXX, Net Credit told me my Balance was {$3100.00}, so I stop paying to this loan shark company, and have a law office named XXXX XXXX to write them an offer of {$300.00} to settle the case, but Net Credit refused, I called them few times but they refused my offer but have no resolution to me and keep emailing me ( every 2 weeks ) and charging me with unknown charges!!!! The mail from this week saying that I owed them already over {$900.00} I hope your office can help and advice Sincerely XXXX XXXX XXXX
12/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 198XX
Web
XX/XX/2020- I reported NetCredit to the XXXX because they repeatedly lied to me on multiple platforms. XX/XX/XXXXwas also the day they sent me an email saying they could no longer help me because I did not submit the proper paperwork. ( This was the lie ) After speaking to a customer service representative on XX/XX/XXXX, they told me the only way I could get my loan read was to resubmit my application. I told them I did not want to and wanted to speak to a manager. XX/XX/2020- In my middle of the night, they read my application, gave me my verdict, and pulled my credit score. I did not permit them to do this or reapply as they told me I had to do. This, to me, is now a legal matter because I did not give them consent to pull my credit score. The only way they would have pulled it is if I reapplied, which I did not, or if they reapplied for me, which I did not permit them to. It is a clear violation of my consumer rights.
05/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 24502
Web
I applied for and obtained a line of credit with CashNetUsa and was approved in XXXX of 2019. I immediately requested {$1500.00} from the line of credit and it was dispersed to my account. Soon after the company began billing me twice a month. I told them these were exorbitant payments, and to be billed every two weeks was unreasonable. They demanded payment, and they were debiting my account directly. I consulted a lawyer who said that this was an illegal internet loan and that he could help but first that I should block them from automatically taking payments from my account. I was going to file a case with an attorney, but I would prefer to make reasonable payments and pay back the loan. Currently they are saying I owe them {$3000.00} which is twice the amount of the original amount that I borrowed. They are also harassing me by calling me using different local numbers to disguise their calls. I attached a call record.
05/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90292
Web
I am writing to dispute the following information on my credit report from Net Credit. A settlement was made on XX/XX/2019 on my behalf by a settlement agency " XXXX XXXX XXXX '' in the amount of {$2300.00}. Of that settlement {$2200.00} has been paid to Net Credit. During the pandemic, I missed a payment as I moved to XXXX, as a result Net Credit cancelled my agreement and basically took my money and are saying I owe approx {$4500.00}. I have did attempted to reinstate my settlement agreement with Net Credit and pay the remainder of the settlement owed {$130.00}, however they have been extremely difficult and unreasonable to deal with. They will not acknowledge that I have paid {$2200.00} towards the settlement, making them a predatory lender. Please find proof of payments that were paid to Net Credit. Can you please investigate this matter and delete the disputed item as soon as possible, as it is 100 % incorrect.
04/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 08753
Web
To start off. Before I applied I did call someone to go over the type of line of credit this was and the fees. However when using the product, It started adding up. I've always paid on time. I've called them recently that if it was possible to negotiate a settlement and close the account as account is too expensive for me. They said no and offered no other solutions. I then placed a review disclosing how expensive this debt is and stay clear of it. 3 days ago or so, I receive an email stating they are changing the agreement they have with me or " amending '' a section. Stating they can cancel my account and take away my available credit if no activity within 30 days. I then called someone day later to confirm this and they did. I asked again if they can close this account out and settle the amount and they disagreed. I have been with them for a year. I ve made them a lot of money with little to no dent into my balance.
10/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63128
Web
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX XXXX, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
03/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93536
Web
In XXXX of XXXX I hired XXXX XXXX XXXX to help with debt management. All companies involved, including XXXX, agreed to repayment plans via XXXX XXXX XXXX. Their agreed upon amount was {$260.00} per month. In XXXX of XXXX I had XXXX XXXX Counseling contact XXXX to get a current balance due. At this point they said {$3300.00} left to pay. In XXXX of XXXX a final payment of {$200.00} was paid. During this entire time they have been reporting to the credit agencies that I am past due and that I owe them more than what I did, when I was paying them, on time, on the agreed upon amount. They have been reporting this for almost two years and continue to report the account as open and past due when it is not. XXXX entered into a contract, as all the other companies, with XXXX XXXX XXXX, accepting their terms and repayment, but continued to report as a delinquent account when, in fact, they were being paid correctly and on time.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38017
Web
NC Financial/Net Credit placed an inquiry on my XXXX credit report on XX/XX/2022 that I did not authorize. On XX/XX/2022 this company placed a new account on my credit for {$10000.00} that I did not authorize or initiate. I have not received any correspondence in the mail, a payment or by email from this company. I have made several attempts to call this company but can not get through to a representative. The company has called me several times to collect the debt and after I explain the loan does not belong to me, the call hangs up. I have filed a report through my police department. A dispute has been filed through XXXX, but they closed the account and said the debt remains. Again, I did not authorize this loan and never received any form of payment from this company. This company is fraudulent and my identity has been compromised. The companys mailing address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Contact ph XXXX
02/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • XXXXX
Web
Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!
10/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KS
  • 678XX
Web Older American
On XX/XX/2018 I applied for a load with cashnet in the amount of XXXX My first payment was XXXX which was made on XX/XX/2018. I jus found out today that the payemnt went only to fees and intrest. Nor they have notifed me that my next payment is going to be XXXX whicj is XXXX dollars above my last payment. Nowhere in their aggeement was there anything that indicated that this was not a standard loan with set payments over a certain amount of time. They informed ne today that I was being chagred XXXX dollars in intest alone. I am on a fixed income and had I known that this was not a loan with set payments over a certain amount of time I would not have applied. They only offered assistnce if a payment was declined by my bank and would charge me XXXX t XXXX extra a month to do so. I have teir to contact them to see if they can help with the high payments that they are now tring to charge me but all I get is I'm sorry.
05/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 711XX
Web
This is the most recent complaint that I am sending concerning XXXX. In the past I have attempted to " pay '' the loan off early on to discover that the monies were moved and applied to places that I still have no clarification on to this day. I submitted a complaint to IDPR in connection with this predator lender and nothing has come to this. I designated a XXXX draft from my account which would have brought my account below XXXX Have been paying this way for a few months only to discover that the company drafted it's own amount of XXXX. In the past my payment agreement has been changed to lesser months with higher interest rate. I complain to CFPB constantly and only get feedback from company that never answers my concern such as why were the terms changed without my approval seeing that I signed a 53 month agreement and now this! This is something that the bureau really needs to look into about this company ...
06/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TX
  • 760XX
Web Servicemember
I applied for loan through NetCredit. And was approved for {$1900.00} I was to send either 2 bank statements or 2 pay stubs I was advised I didnt need both I sent my XXXX paystub which I thought would be enough since it had year to date. I was also advised to call to verify my identity which I complied the loan was to be funded XX/XX/XXXX. But it was withdrawn instead. I contacted NetCredit to see why it was withdrawn They stated that I needed to send either my XX/XX/XXXX paystub OR 2 bank statements to prove my income. XXXX sent the XX/XX/XXXX again I was advised I could use 2 paystubs OR 2 bank statements Not both now they are refusing to fund the loan without bank statements Im concerned about invasion privacy laws due to having a joint account according to NetCredit I can not black the joint account holder information out.. it unfair to be denied for trying to protect the privacy of the joint account holder.
10/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • 30741
Web Older American
i was told that I had been approved for up to XXXX i only wanted XXXX thats all i asked for they asked me to sign installment loan documents, that had loan amount and payments up front which i did then they said they needed to look at my bank account and to send the my account login and password so they could verify my income so i did. Then they came back and said i needed to download my bank statement and verifications of my SS and my pension i did Then the next day i received the same message and so i did it again next day same thing so i faxed them this time so i would know they received them the very same afternoon i received a message saying the very same thing this time telling me had to be done my XXXX each one of these time i had tried to call and there automated system want allow you to speak with a real person i believe this is nothing but a scam to get peoples financial records and income information
11/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07307
Web
When I applied for the loan, my payment plan was decided upon as 1 payment per month. I missed 1 payment ( overdrew my account because it withdrew automatically and I had no control ) and now they are continuously trying to withdraw payments plus interest from my account. I had to open another bank account because they were trying to withdraw so many times/ such an insane amount of money per transaction. Now, because I have not paid my loan in several weeks, I have accumulated a ridiculously exploitive amount of interest fees. My loan was originally for {$1000.00} and now with all fines and fees I owe the company over {$2700.00}. It is damaging my credit and I can not feasibly pay over {$1000.00} in fees and fines. This is the definition of extortion. I attached a copy of my latest bill from the company and you will see that due to my lack of payment I have been charged a total of {$1500.00} in fees thus far.
10/18/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90008
Web
I have been calling Net Credit since XXXX, XXXX regarding this fraudulent account, no one returns my phone calls. I also asked that they send me a copy of the original contract ( by mail ) since they stated the account was opened in XXXX. I have yet to receive it. I sent a certified letter to Net Credit on XX/XX/XXXX and yet no one answers the letter and o returned phone call. I called again today XX/XX/XXXX requesting the original loan contract and again, I spoke with a young lady stating her name is XXXX, XXXX stated that this was an online account and I would need to give her my email address. ( I refused ). Again, I asked by mail to have a copy sent to me. I know this is fraud. There is a {$5100.00} debt on my credit and it is not mine. I need to know how to move forward getting it deleted. This is so unfair. Totally illegal to attach a debt on my credit report if you will not prove that it is mine.
03/18/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33570
Web
Hi, i was a victim of an XXXX DATA BREACH more then Once. XXXX has emailed me this and I will be sure to upload it. ON XX/XX/XXXX I got an email from netcredit stating I owed them over XXXX to start paying XX/XX/XXXX, on an XXXX loan taken out that day. The amount of those rates are theft on their own. I never took out the loan and was told i was a victim of identity theft but it was getting more frequent since XX/XX/XXXX. I forwarded the emails from XXXX. NETCREDIT started if I Send them a police report within 7 days this matter would be clear. I did just that within day 4 and on day 5 they already lied and reported to the credit bureaus dropping my credit score by over XXXX points. .I sent them the police report number well ahead of time now i am reporting to the FTC . NETCREDIT stated once they can verify the police report they would drop this whole thing. instead they added it to my credit report.
03/26/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • OH
  • 44095
Web
I was contacted today XX/XX/XXXX by a female at my work phone number from a company called XXXX calling on behalf of XXXX she says.I told her I don't know what the loan was for and that i recently paid off all of my debts. She went on to tell me that " I work at a XXXX and i should know how it works '' Threatening me saying " she doesnt know how i am still employed because i owe the money and i need to resolve before they take further action '' They claim they have sent me emails, which i have never received. They also said it was from XXXX, why is this no where to be found on any of my credit reports? Last time a gentleman called and started giving me a different customers DL #, address and ssi? This is not okay. She called from XXXX i received a call a few weeks ago in XXXX of XXXX as well. My mail has also been forwarded from any previous addresses i have had so i would have received communication.
05/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
I took out an installment loan with CashNetUSA ( CNU Online Holdings , LLC ) for {$1200.00} on XX/XX/XXXX. The APR is exorbitant and predatory at 276.23 %. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. Per South Carolina law, I should have only been charged {$180.00} on this {$1200.00} loan. My total paid should be {$1400.00}. To date, I have made 11 payments for {$140.00} each totaling {$1500.00}. I have paid {$120.00} more than South Carolina law allows. If I make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in fees. This is more than double to loan amount. I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory. It is also against South Carolina law.
11/04/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TX
  • 77072
Web
There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. On XXXX, a payment of {$250.00} is due. They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. Please help this man drowning in debt. XXXX XXXX XXXX XXXX
06/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 93550
Web
I took a loan out with Cash Net USA for the amount of XXXX I have been paying on this loan for over a year now so far I have paid more than my loan because of the interest rate. I am seeking counseling because I am at the point where I just want to XXXX XXXX because this is just to much of a hardship for me, I am a single mother of XXXX my youngest was just diagnosed with a XXXX XXXX and with those medical bills and with paying for daycare and other utilities that I need in order for my children to survive. It's really taking a toll on me, I tried contacting CashNet back in XXXX to try to set up payment arrangement and the representative was very rude and all she said was " well I am sorry you are going through a hardship, but you took out a loan and that loan has to be paid no matter your situation '' They are shark loans, take advantage of people in need. I am hoping I can have something resolved.
01/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 77047
Web Servicemember
XX/XX/2013 I received an unwarranted loan from Cashnet USA into my XXXX XXXX XXXX Acct in the amount of {$850.00}. Upon discovery 5 days later I called and informed them I didn't initiate the load process nor did i want the funds. They advised me they would charge me a fee to return money i didn't request. I was just graduating from XXXX XXXX XXXX and just started my XXXX school at XXXX XXXX XXXX XXXX. After going back and forward with them, I threaten to go to my commander and they quickly removed the funds. But still remains on my credit report. The only reason I decided to file a complaint and file so late, was the recent readings of fraud committed by these companies. I am currently reviewing other old bank statements to see if I missed any in the past as well. During this time I was constantly called and harassed as well from unwarranted loans deposited into my acct from Cashnet USA and XXXX
07/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 949XX
Web
NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for {$6000.00} ... once I found out the loan was to be taken out of my checking account 2x a month ( XXXX ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter saying that I can pay off the balance which now is {$7800.00} ... of {$190.00} 2x 's a month???? I had been paying the monthly for a year at least??? and now I owe XXXX more??? This is a company that the goverment should look into ... they are sharks!!!! I would recommend that people stay away from this company!!!
09/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22310
Web
I am currently listed as a victim in XXXX County, Virginia Supreme Court case CL-2018-0006258 against NC Financial Solutions of Utah , LLC [ Net Credit ]. I took out a loan with them in 2019 with no clear indication of bi-weekly payments or interest accrued for the loan to find that the interest rate determined to exceed 50 %. Net Credit was aware that they were unlawfully violating the Commonwealth of Virginias Consumer Protection Act when the original loan documentation was sent to me. I was advised to halt payments until the case was settled with the Commonwealth of Virginia and Net Credit is still reporting to the credit agencies after correspondence. Net Credit managed the loan transaction to extract the maximum value for itself without regard for the borrower 's ability to repay the loan which is predatory lending and constitutes a crime against individual consumers and Virginia State Law.
11/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • KS
  • 67226
Web
I was sent an offer for personal loan from NetCredit. The email stated " check your eligibility '' " This won't affect your credit score. '' So I entered my information just to see the offer. I then received the notification " Congratulations You're eligible review and compare offers below '' I reveiwed the offers but did not go any further than that. I did not choose an option because at that point I was just seeing what type of loans they had. Next thing I know I get a letter by email from a company called XXXX saying i've been denied and I checked my credit score and credit score dropped by XXXX points to unfavorable when it was good earlier this morning. This is highly deceptive and fraudulent. I have the screenshots of the company telling me I am eligible and then telling me congratulations. I want to file a formal complaint and find out what I can do to retain my former credit score.
11/10/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78212
Web
I received a robo-call from a local number ( XXXX ) XXXX which directed me to call a different number ( XXXX ) XXXX. The person on the other end was attempting to collect a debt from my wife on behalf of XXXX and XXXX, and they gave the last 4 of her social security number to identify her. They said she owed on a debt from Cash Net USA and wanted to settle the debt, however that debt was taken care of 2 years ago. I knew it was a scam and informed them as much and they replied that if they wanted to scam me or my wife they had our full social security numbers to use if they wanted. I looked up XXXX and XXXX on XXXX and there is a very basic web page describing the business amd the number was different from the ones I was dealing with. I called to inform them someone was using their name to collect debts illegally but nobody picked up, I left a message. They may not even be real either.
09/08/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70560
Web
I recently reviewed my XXXX consumer credit report and notices it contained information about a dept that was reported many times but NET CREDIT. I reached out to NET CREDIT for more information regarding this and told by the representative that the dept had been sold to XXXX XXXX XXXX a Third party dept collector. While on the phone call with NET CREDIT representative i made her aware that if the original dept had been sold ( assigned ) to a third party, that the original contract was void.amd that i had not agreement and/or contact with the third party collector.Also i informed her that it being sold was theft of my identity, and it being reported to the credit bureau ( s ) was false information reported, that the third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no consent to do so from I the consumer. And i request just compensation from both parties the settle the matter honorable.
05/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OR
  • 972XX
Web
I signed up for a personal loan in the amount of {$2800.00} on XX/XX/XXXX. I received {$2500.00} in loan funds on XX/XX/XXXX. I have made payments totaling {$820.00} since receiving the loan funds of {$2500.00}. My current balance owed on the personal loan is {$3200.00} and I have been charged interest and fees totaling {$1500.00}. These interest and fee amounts exceed the state legal limits set by Oregon. The current rate of fees and interest being charged on this account have made it impossible for me to pay off the loan. I called Netcredit to discuss this and ask for at least one of the monthly fees to be waived and was told this was not possible. In addition to submitting this complaint I am looking into joining a class action lawsuit against Netcredit. Our government and the CFPB needs to do better at protecting consumers from personal loans like these -- these should not be legal.
08/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • TN
  • 381XX
Web Older American
On XX/XX/2021 I submitted an application to get a quad loan. Instead Cash Net USA came up and the stated they will handle my loan. I called the young lady that told me about the quad loan, she told me that none should be involved and quad is a app that you download to get a small loan for small purchases. Cash Net had approved me for a loan in the amount of {$1400.00}. I'm a senior citizen on a fixed income, I only get money once a month and I can't afford to pay the type of money back. Also their system read that the name wasn't matching the information I provided. I used my maiden name and XXXX contacted me, because they have my married name on file. I explained this to the representative and I was told to spell my name using upper or lower case. I immediately tried to contact their company to cancel that transaction. I never received a response that the transaction was cancelled.
03/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94513
Web
I took this loan out and had it assigned for automatic payments out of my bank account. I then had some issues being able to pay this account and they allowed to skip a payment or hold of on making a payment back in 2019. The loan was for XXXX. I then used XXXX XXXX debt management and did a offer a settlement so I thought this account was handled. Then a few days ago I went to apply for a car loan and was denied and this account was one of the reason so I pulled my credit. They are saying they did get the settlement but now are not accepting it closed. They are trying to say now that in 2 years the interest is about {$10000.00} on a {$4800.00} loan balance. They have never contacted me, never tried to collect a payment or anything. All of my information is still the same as it was when I took out the loan. Same address, same phone numbers and same bank routing and account number.
01/28/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 245XX
Web Older American
I have received three letters from XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from CashNet. I also have had several telephone calls from XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter to XXXX saying that I had no such debt and have never had any dealings with CashNet. On XX/XX/XXXX XXXX XXXX XXXX sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information XXXX sent is a CashNet loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.
03/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30088
Web
I'm issuing a complaint against NetCredit Loans. NetCredit has placed an account in collections since XXXX, which opened due to fraud. I have sent NetCredit a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with NetCredit and XXXX numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The two companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, NetCredit received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.
10/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 29341
Web Servicemember
I took a loan out on XX/XX/19 for {$1500.00}. While the high interest was disclosed, there was no amortization schedule to show how the loan was to be repaid, the amount of each payment, or the total that would be paid including interest if the loan was paid as scheduled. I tried to take a lesser amount than the offered {$1500.00}, but their system automatically sent {$1500.00}, even though I had only asked for {$800.00}. The bi-weekly payments are criminally large and set up in such a way as to try to get borrowers to take another draw and end up in a cycle of borrowing/constant repayment. As of XX/XX/19, I have paid approximately {$1000.00}, and I still owe {$1500.00}. I would not have taken this loan had everything been laid out clearly, so I could easily see how long it would take to repay and what my bi-weekly payment amounts ( which are not the same every time ) would be.
08/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 92116
Web
On the XXXX of XXXX I was approved for a loan with XXXX. I thought about it for a few days as the interest rate offered was high but proceeded to accept on the XXXX of XXXX I then received an email telling me that the loan was declined as they couldn't verify my personal details. No further explanation, yet I have an offer for a loan. I was simply attempting to accept and electronically sign the documents. I emailed them as I couldn't get through on the phones. After getting no response in two weeks, I finally called. only to be told the same denial reason. I was told by the rep XXXX that he knew nothing more and if I wanted more insight I needed to write a letter. Letter? Who sends paper letters in today 's world? Anyway, nothing could be done. This is pretty lame that I'm offered a loan only to have it withdrawn when I'm ready to electronically sign the documents. Just liars.
11/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • AL
  • 35244
Web Older American
I am filing this complaint on Cashnet USA. My son has told them numerous times that my health has gone down and I'm unable to work anymore. The only income I'm receiving is my monthly pension pay. And yes, I get paid at the end of each month and only make {$890.00}. When I took the loan out, I had another full-time job that I was working while drawing my pension check. Since my health has gotten worse, I'm no longer able to work any full-time job. I'm not good at negotiating with the creditor and want all communication to go through this channel. Cashnet USA has reached out and is telling me they will settle with me if I make {$540.00} every two weeks. As you can see, I'm below the poverty level and can't afford that, not on XXXX a month. I need them to work out a realistic monthly payment with me. I really need it to be {$50.00} a month as I have to spend my money on medical.
01/28/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • MD
  • 20910
Web
CashNetUSA is charging late fees and noting my account as delinquent, but they are not debiting my checking account on the dates agreed upon. Since CashNet has not abided by the contract by not debiting my account as agreed, and as a result are adding interest to my loan and causing and declaring my loan is in default, I am requesting the account closed with a final payment of {$210.00}. They can not say I am in default 73 days when they do not perform the automatic debit as contracted. I took out the loan for travel to XXXX funerals in XXXX 2015 and relied on the terms of the contract to withdraw the agreed upon amount. What they are attempting to do now is steal money and tarnish my credit rating in the form of fees and a default notice. There is a deposit of over {$3000.00} on the XXXX and last day of each month, so CashNet has no grounds for late fees or default notices.
09/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 23505
Web
I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.
07/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60060
Web
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. On my XXXX report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX ( or any brand or company owned by XXXX ) on that date. I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. On my XXXX report, a hard inquiry is shown from Netcredit Fs for the same date, XX/XX/2021. I contacted Netcredit customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
03/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 20171
Web
NC Financial should not be reporting XXXX and TXXXX a collection/chargeoff in the amount of {$11000.00} on the NCFINANCIAL Loan # : XXXX Account ID : XXXX partial account number XXXX. ( Please see page attached from my credit report. ) NC Financial is charging an in illegal interest rate. Per the National Law Center, the cap percentage rate on a loan in Utah is 25 % which is where the loan originated from. NC Financial is charging 64.60 %. This is egregious predatory lending to say the least! The past due balance is much higher than the original balance. This account should not even be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. The false reporting is seriously harming my credit score. I have contacted the bureaus as well as NC Financial to remove this however, I have not been successful.
10/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • PA
  • 19426
Web Servicemember
Applied for a line of credit with Headway Capital late XXXX, provided bank records they needed. Once we were approved for a XXXX loan they called to make the transaction over the phone. Terms we discusssed on the recording were different that what was online when we repaid within 30 days. They agreed to waive the 2 % draw fee. Have asked the President XXXX XXXX who ran the call and provided the loan to provide the voice recording on the day where we discussed the terms. That was 3 weeks ago and they have still not resolved the difference in fees than what was presented on the call vs. the contract online. I'm tired of hearing someone will reach out to you when no one does. If you are considering a loan with them, get everything in writing or the voice recording before you are pressured to sign over the phone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
04/01/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 350XX
Web
XXXX XXXX XXXX representative, XXXX XXXX, is contacting me about a debt that I've asked him to validate because I have no knowledge of it. He says he's calling on behalf of Cashnet USA. I asked for a copy of the application which he refuses to send. He's contacting my dad 's ex wife and even if this debt is validated I never authorized anyone to contact anyone other than myself or authorized them to search for contact information for people that might be related to me. I never gave anyone my dad 's ex wife 's number because I don't event know her number. I spoke to XXXX twice and asked for them to validate the debt and all he says is that they're going to report the account to all XXXX credit bureaus and that I have by Monday to make arrangements with him. The call today, XX/XX/2022 was recorded. I have call records where he calls repeatedly and within 3 mins of calls.
06/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • DC
  • XXXXX
Web Servicemember
On XX/XX/2023, I attempted to log into my account in order to pay off this loan. However when I attempted to log in my account was locked out, and a password reset did not work. I followed the companies instructions and first attempted an online chat and then sent an email. My email traffic was unrequited, and I finally got in touch with a person on the phone on XX/XX/2023, and was informed by the person on the phone that they refused to accept any payment from me unless I forwarded a bank statement. They said only a manager could take this payment and they would call me in 1 to 2 days. No emails were returned and no phone calls wherever made to me. Everyday that I was not allowed to make a payment caused a financial impact as the interest rate of this loan is extremely high. This delay tactic, without explanation caused a significant amount of interest to accrue.
11/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • OR
  • 97266
Web
I received a call today trying to verify my personal info. they refused to say what for so i refused to provide them with the info. then they said it was for a debt from Cashnet for a payday loan in 2006. i have never heard of Cashnet nor did i receive any loan from any payday loan services. I contacted Cashnet directly, they first tried to tell me i needed to provide a police report from 2006. Which I will not due because my ID was n't stolen and it 's been 11 years since this supposed loan which they are just now contacting me about. I asked for what they said my ID was stolen and used for a loan. Which referred me to another company " XXXX '' with XXXX as the phone number. I called this number and they tried to tell me i won a XXXX gift card. I told them i did n't care about the gift card and wanted to speak to someone about this alleged loan then i was hung up on.
04/20/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23220
Web
Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.
07/31/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23234
Web
I contact XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in our name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that we were behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. I have upload the communications to the company minus an original fax that was sent in XX/XX/2018 that I can not locate the confirmation page. Though, at that time, I sent the documents via email and mail. XXXX XXXX
10/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33319
Web
In XX/XX/XXXX, I received a {$1500.00} loan through XXXX XXXX and got spammed with a lot of other offers after I completed this process. I accepted a second {$1500.00} loan through NetCredit ( appears as Enova NetCrColl in my bank statement and their mailing address indicates that they are called XXXXXXXX XXXX XXXX XXXX XXXX ) and though I have been making timely minimum payments, I have a balance of {$1200.00} with NetCredit whereas with XXXX XXXX I've been making timely minimum payments and will pay my last payment on XX/XX/XXXX of $ XXXX. As I look at my statement, I've been charged {$1100.00} in fees for the " statement balance fees '' which seems grossly disproportionate to the loan, so I am intending to pay it all off in the next month or XXXX, but I did want to report them here to prevent them from taking advantage of others. Thank you for your time.
03/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23453
Web Servicemember
I had an account with XXXX XXXX XXXX since XX/XX/2016, for unfortunate financial difficulties I was unable to make my payments. I sought professional help with XXXX XXXX XXXX ( XXXX ) to help me to settle the account, apparently by XXXX the account was paid. However, I been tracking my credit report and the statement said that is pass due by over 149 days. I will love to settle this issue, I am a United States XXXX that is in the process to apply for XXXX XXXX XXXX with the ultimate goals of entering the XXXX XXXX pipeline, I am a great charger, self-motivated individual, great XXXX, with a clean record in the military for ten years. I am trying to start over whit a fresh start in my career and personal life. To accomplish those goals, I need any negative remark removed from my credit. I do understand I totally my fault by I want to fix my mistakes. Thanks.
03/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 36701
Web
Cashnet USA claimed that I signed a document that I never seen before. They forged my signature illegally. After paying my first payment, they informed me that none of it went towards the loan and as long as I was paying the minimum, nothing would be payed towards my loan. They claimed that I signed a document agreeing to these terms but I read every document I signed on and never once did I see anything like what they were stating. I told them that I would not pay them another dime because they are not scamming me. I would hire a lawyer before they scam me. The people there were very rude when I questioned them about it and told me that I had no choice but to pay them what they wanted me to pay or my loan will never be paid off. I was paying {$200.00} on a {$1000.00} loan. They are XXXX and they should be shut down permanently before they scam anybody else!
09/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • VA
  • 223XX
Web
I was mailed an offer. I signed in and accepted the offer. I provided all and any information to them to identify myself. They signed into my bank account and have all my personal information and still denied me saying they couldnt identify me. They asked some very personal questions and asked for very sensitive information. Why am I reporting them? Because they are phishing through usps and through the web. I got mine through the usps. They are telling people they are approved, make you jump through hoops then deny you for the reason they cant identify me. This has happened to plenty of people. Im reading it in the XXXX site. Ive left a complaint due to them denying returning nor destroying any of my personal information. Its obvious they are stealing information for their personal gain. When is something going to be done about this criminal organization?
09/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MI
  • 48209
Web
I placed the loan on XXXX/XXXX/XXXX for {$400.00}. I called them last Friday XXXX/XXXX/XXXX to ask for an extension for my loan. On XXXX/XXXX/XXXX, I spoke with someone from the Collections Dept. to able to repay my loan in 3 installments, I did this with online chat. The rep told me that in XXXX I could start repaying my loans which totaled, {$460.00}. Today, I went onto the website and it stated that I would have to repay the entire amount of {$440.00} on Monday, XXXX/XXXX/XXXX. I called Cashnetusa on the phone and the rep told me that the company would attempt to take out the entire amount and then my loan repayment could proceed on XXXX. I told them that I would not be able to start repayment on XXXX. I 've performed this several times, without incident. My account will be arrears because of this transaction even though I 've made 2 attempts to rectify.
04/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 29073
Web
Net Credit added a XXXX dollar late fee to my account after i just made two payments of XXXX in XXXX, i wasn't aware of the charge in till the next month. Then they reported to the credit bureau that my account was thirty days behind. When I spoke to the customer service rep on the phone in XXXX she said nothing about a XXXX dollar late fee. As a result my credit score went down 76 points. Also the interest rate that I'm being charged is illegal in the state of south Carolina. I talked with another customer service rep on XX/XX/20 and he told me that the customer service rep should have added the XXXX dollar late fee to the two payments i had just made, and that it was Net credit fault. I called a member of management and talked with them on XX/XX/-20 about the contract and the high interest, also about the late fee, she said it was nothing she could do.
03/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98513
Web Servicemember
I believe that NetCredit has found a creative way around usery laws, and is using a creative method for charging excessively high interest rates. NetCredit charges a statement fee every XXXX weeks. The fee of the statement is based on ones balance. This is not fair, a statement fee should be fixed and not variable. As an example, when my balance was XXXX the statement fee was {$90.00}. When my balance was {$1300.00} the statement fee was {$70.00}. Because of their unfair fees, I decided to pay my balance in full. I made XXXX payments within a few days of each other to pay the balance in full, both payments were accompanied by statement fees of {$60.00}, and {$55.00}. These fees are predatory, deceptive, and make it very difficult to pay down one 's balance. Paper statements fees should be reasonable. Online statements should be even lower in cost.
10/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94513
Web
Net Credit has been reporting a closed installment loan incorrectly to my credit report. They have been reporting me as XXXX XXXX late in XXXX and XXXX XXXX late in XXXX. There was an error on their part for debiting my account for the aforementioned XXXX I received an email from a representative of Net Credit, XXXX XXXX XXXX, who recognized the mistake and claims they have corrected it on my XXXX report. To date, my XXXX credit still reflects me having late payments. However, during my last conversation with Net Credit, they stated that Net Credit had reported my account as paid and in good standing. This reflected as paid as of XXXX but failed to remove the late payments of the aforementioned XXXX. This has dropped my XXXX XXXX and caused me irreparable harm. I've had my credit lines on credit cards decreased recently due this erroneous reporting.
01/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ID
  • 83647
Web
I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.
08/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • DE
  • 19810
Web
I sent an email to the address listed in my contract 3 days before my payment was due revoking my ACH authorization ( sent XX/XX/XXXX - payment date XX/XX/XXXX ). I received email confirmation that my email was received by Cashnet USA. Today ( XX/XX/XXXX ), my account was debited. I called and spoke with customer service who informed me that even though I received an automatically generated email acknowledgement from Cashnet USA, that they did not receive my email nor have record of it in the system. I was then informed that I needed to contact them 2 days before payment was due to revoke my authorization. I re-explained the terms of my contract and again was told by email was not in the system. They will not refund my payment, so I am now disputing the charge with my bank to determine what my rights are for the unauthorized debit from my account.
02/10/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21244
Web Servicemember
My name is XXXX XXXX XXXX and in XXXX of 2015, I applied for a loan with Cashnet USA. I applied because, I desperately needed the money to help save my home. It did n't help because I eventually, lost my home anyway. I feel like I 'm being taken advantage of. I did n't realize that my interest payments were 24 %, but, it would not have mattered because I needed the money. On a loan for {$800.00}, to date, Cashnet USA has taken out {$2400.00} dollars from my account. I am asking that CFPB investigate this matter and issue a cease and desist order to Cashnet USA to stop debiting my account. As of today, XXXX XXXX, I owe them {$100.00} and a balance of {$340.00} dollars. At this rate, I will never be able to pay this money back, when in fact, I 've already paid them three-fold. I must add, that I am a XXXX. Please help, I am about to become homeless.
05/23/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • NV
  • 89149
Web Older American
I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 480XX
Web
NETCREDITXXXX account # XXXX is in violation of my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
02/07/2019 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • KS
  • 672XX
Web
Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX to discuss this matter with her and report me to the XXXX board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.
05/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • WI
  • 530XX
Web
APPLIED FOR A SHORT TERM LOAN FROM NETCREDIT ON XX/XX/XXXX ; I WAS INFORMED IT WAS APPROVED PENDING PAYROLL VERIFICATION. TODAY, XX/XX/XXXX, I HAVE BEEN DENIED DUE TO " NON-VERIFICATION. '' IN TOTAL, I SENT XXXX EMAILS, CALLED 5 TIMES AND UPLOADED DOCUMENTS TO THEIR SYSTEM XXXX SEPARATE TIMES. TO DATE, I HAVE SUPPLIED THEM WITH BANK STATEMENTS, PAST AND PRESENT, XXXX STATEMENTS FOR XXXX AND XXXX, PAY-STUBS FOR XXXX AND XXXX OF XXXX, DRIVER 'S LICENSE, PASSPORT, BIRTH CERTIFICATE, SOCIAL SECURITY CARD AND TAX DOCUMENTS. NOTHING IS GOOD ENOUGH BUT THEY ARE GOOD ENOUGH TO RUN MY CREDIT AND KEEP ALL OF THESE PERSONAL DOCUMENTS ON FILE. THIS CLEARLY HAS BEEN A VIOLATION OF PRIVACY ON THEIR PART CONSIDERING THEY'VE ASKED FOR MORE AND MORE DOCUMENTS, ONLY TO DENY THE REQUEST. I AM EXTREMELY FEARFUL THAT MY INFO WILL BE USED FOR FRAUDULENT ACTIVITIES.
04/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • XXXXX
Web
I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.
01/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 29210
Web
I have an installment loan with both cash net USA and XXXX XXXX XXXX and due to COVID my spouse is currently out of work. I have reached out to both companies to explain this and to let them know that I would still like to remain an active payer but could only afford a smaller amount per pay period. They have both refused the lower payment amounts but instead have either deferred the payment which is making the interest constantly accrue and they have offered to split the payment up into four payments which means they expect me to pay the regular amount and the split amount once the one payment deferment ends. They keep saying I need to call back if the situation has not changed and I keep getting the same answer and same resolve. It has gotten to the point that I dont feel like I should call them because they are not listening to me at all
07/10/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 20121
Web
I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.
08/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 374XX
Web
Got and personal loan of {$600.00}. I paid them the first payment when due of {$30.00}. They took out another payment that next week without my knowledge and wouldn't refund me my money and cause insufficient funds when we had an an agreement that I would call and pay over the phone. Instead of sending me any Bill 's, I get a call from a someone saying they are trying to send me a court Subpoena without ever giving me an bill or notice of triple of the amount owed to them. I'm unemployed and just had a major surgery done and now have to deal with threats of them trying to call and tell me they will take my used torn vehicle and say I now owe {$3000.00} vs {$600.00}. Cash Net usa is not the the place to get a help for a loan. They have hidden fees, they wont send any Bill 's of what's owed and hit you with collections triple your amount
05/14/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • WI
  • 54303
Web
I have been contacted by a collection agency on behalf of CashNetUSA. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given XXXX.
10/18/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 198XX
Web Servicemember
I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for Netcredit in XX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. Netcredit sold the loan to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of Netcredit derogatory payments. I also reached out to XXXX XXXX XXXX and explained that a Police Report was already filed in XX/XX/XXXX and that I provided the report to all three major credit bureaus as well. I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report inXX/XX/XXXX. The issue at hand is that Netcredit keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.
10/12/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23455
Web
XXXX XXXX XXXX contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
02/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 711XX
Web
This is a f/u concerning the net credits changing on our loan terms for 52 months at a daily interest rate of about {$4.00} to 32 months increasing the rate to {$5.00} per day. I reviewed my contract and it does not state that the company has the right or permission to change the term of the loans. The loan upon the {$1500.00} payment should have remained and decreased in monthly amount. I recently sent in a {$1000.00} payment on the XX/XX/XXXX and prior to making the payment I spoke with customer service that stated that " decreasing the term to 32 months was better for me '' and she could not conceive that I am being charged at an unauthorized accelerated ( added ) rate of {$1.00} possibly higher since the payment of {$1000.00}. FYI the payment was scheduled onXX/XX/XXXX when I made the {$1500.00} payment ( see payment schedule )
10/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30062
Web
My son took a loan from an online app called Cashnetusa on XX/XX/2019, and received a cash advance on XX/XX/XXXX. When he realized how much interest he was being charged, he asked us to help him pay off the loan. On XX/XX/2019, we spoke with a collections center representative by conference call to pay off the loan. The company would only accept a same day payment from a debit card and would not accept an ATM card, credit card or ACH bank same-day payment. The ACH bank payment would not go through until the following Monday, meaning they would charge us an additional three days of interest. We asked to speak with a manager, but the representative said no manager was available to speak with us immediately. We asked to speak to a manager again and the representative put us on hold for 20 minutes. We eventually ended the call.
03/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • KS
  • 671XX
Web
I obtained a line of credit through XXXX XXXX XXXXXXXX and am struggling to make the payments and live. My husband had a job change and our household has taken an income reduction. I am not disputing the debt but need a more reasonable payment arrangement. Payments are due every two weeks and fluctuate in amount but typically range from $ XXXX {$400.00}. They have allowed me to move a payment but then that payment plus regular payment is then due. I am desperate for a fixed payment that I can manage and still feed my family. The interest rates these types of companies are allowed to charge shouldn't be legal. When your credit is less than desirable people like myself aren't left with many options. I borrowed the money and am responsible for paying it back but please have some grace and allow me to do it in a more manageable way.
12/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 77090
Web Servicemember
Yes, maam I had a transaction of XXXX dollars from a company called CashnetUsa on XX/XX/XXXX I received the payment on the XXXX but I also called the company to say I did not want the money am before that time my account was negative XXXX when the money came I was no longer negative, because I didnt have money to pay loan back I called the company and made a request to cancel and they did from my knowledge the women named ( XXXX XXXX XXXX Illinois was my customer service helper I have screenshots ) canceled the funds the same day an took them out the next day, I seen my statement I was back negative on XX/XX/XXXX now they are trying to keep charging me XXXX a month for money I didnt use and gave bac If thats the case I will close this account permanently They decided to recind my offer like I want the money back Can we fix this
02/29/2016 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 436XX
Web
Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.
02/24/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 91730
Web Older American
On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.
01/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • UT
  • 84020
Web
I originated a credit limit advance with this company fir XXXX after calling and inquiring which charged less interest a cash advance or a personal loan, the employee told me cash advance, afterhaving them auto debit the payments and seeing the balance was going up not down i called in XXXX and cancelled all auto payments and asked for a settlement on the account, i was contacted by a person who claimed she was on the resolution team, she assured me no more payments were achefuled although i see them when i log into my account scheduled and said the type of loan i have there is nothing they can do to help me, this morning i woke up to have an email from netcredit saying thank u for your payment, they took another payment without my aithorization and another one scheduled for the XXXX that the website does not let me delete
01/20/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • DE
  • 19973
Web
Net Credit continues to communicate with me. On XX/XX/22 I certified mailed them a cease and desist which they received. The cease and desist stated to cease communication through ALL mediums. Net credit continues to communicate with me through email and my consumer report. Further more Net Credit failed to provide clear and conspicuous information about this credit transaction that is pertinent in my decision making regarding this transaction. Due to their failure to provide CLEAR AND CONSPICUOUS adequate notice I was unable to make an informed decision on this credit transaction thus making the agreement with this company NULL AND VOID. Net credit is to cease all communication regarding this alleged debt through ALL mediums including but not limited to mail, email, phone, and ALL consumer reporting agencies immediately.
06/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 30331
Web
I received a loan in the amount {$10000.00} from NetCredit in XX/XX/2019. I make bi-weekly payments in the amount of {$240.00} ( {$480.00} monthly ). I noticed that my balance was not reflecting the amount of money I had repaid into the loan. I called NetCredit to see if there was an issue with their reporting. I was shocked to learn that the APR attached to my loan was 59 %, which I dispute. I logged into the online account and see no reporting of the APR with my account. Had I not called I would not have known. I consider this to be predatory lending. I asked if the loan could be restructured since I was not in agreement with the high APR and they said it was nothing I could do. I'm seeking help with this matter because I feel there are others that have been taken advantage of and will not know to call and inquire.
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30909
Web
NetCredit XXXX On XX/XX/2023 I called net credit to discuss the incorrect information on my report. They stated that I would have to contact XXXX XXXX, So I did. On XX/XX/2023 I finally got through to XXXX XXXX. I was informed that I did not owe anything. I had a XXXX balance, and that my request for deletion was already done. It is showing that its still in collections and that it was a charge off and derogatory. It was supposed to state paid as agreed even before I ask for the deletion. It does not show on my credit report that it was done not with the reporting agencies. It is actually still reporting on XXXX and XXXX. I was also informed by XXXX XXXX that I would have to contact netcredit in order for them to complete the process. I am enclosing a screenshot of what is being reported incorrectly on the report.
01/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 318XX
Web
I borrowed $XXXX from XXXX on XX/XX/XXXX with a payment of $XXXX a month. At the time I was not aware that the interested rate was 57.67% making me repay over $XXXX over 4 years. I was told at the time the contract was for 24 months. This company is taking out $XXXX bi-monthly, making me pay $XXXX per month. When I called to pay off the loan I was told that I would owe the entire $XXXX on the loan. they did not remove interest ($XXXX)that had been assigned to loan. As of today, after 71 payments of $XXXX I still have a balance of $XXXX. This is ridiculous and should be against the law for any financial business to charge this type of interest and provide this type of loan to take advantage of hard-working people. I would like information were to file a complaint against this type of loans? Thanks,XXXX
07/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • UT
  • 84015
Web Servicemember
I called the company this morning to pay off my loan. They would not take a payment as my account is " under review '' ( as it has been for at least three weeks ) and I can not access the website due to this " under review '' status. However, while my account has been under review, they have continued to charge daily interest and take payments without issue every two weeks. When I asked if they could suspend interest charges until they allow me to pay off my account, I was told that I could request for them to refund all the accumulated interest once my account was no longer " under review, '' a status which has an indeterminate timeline. In the meantime, they will continue to collect payments every two weeks and keep my account " under review '' and continue to make money off a loan that I attempted to pay off.
09/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • VA
  • 23233
Web
I initially started a line of credit with Cash Net Usa back in XX/XX/XXXX. I was in need of the credit line but I was not aware that they were practicing predatory lending the interest rate kept me in a cycle of never ending debt. I ran into financial trouble back in XXXX or XXXX of XXXX and i was not able to make any payments and have not been able. I contacted them and informed them around XX/XX/XXXX again and they told me they couldn't help unless i paid the past due amount, after i already Expressed i was unable to make payments. Then they decided the best option was the {$93.00} payments plus the {$130.00} payments in XXXX to catch up which still does not help me. I do not know what to do they continuously call me and email me after ive said i cant pay and need options while im in this financial trouble.
07/28/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95835
Web
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies. I contacted the agencies and they both stated that the accounts were opened in 2013. I have not heard from these agencies via telephone, mail or email. I have not been given an opportunity to dispute or confirm before they are added to my credit report as a collections. I have no recollection of opening these accounts but did move around this time and closed a bank account due to questionable activity after losing a checkbook. I have filed a police report in my city and reported the incident to my bank. But this was several years ago and I no longer bank with them. Both XXXX XXXX XXXX and CASHNET USA have placed collections on my credit report.
08/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29488
Web Older American
I received an online loan, Cashnetusa. I requested {$500.00}, but they would only approve {$1100.00}. I called asked my payment amount monthly and was told they couldn't tell me until deposit was made. Afterward was told payments would be around {$420.00}, with only {$100.00} something would go toward principal and over {$300.00} toward interest. I'm on XXXX and there's no way I can pay that amount monthly out of my SS benefits. It's crazy to think I'd accept that loan knowing I'm only paying back interest. I'm going to pay back their loan amount hopefully within 6 months and adding only {$300.00} interest. They will just have to sue me, because I was thinking payments would be reasonable. I'd be paying them forever with their payment arrangement. I'm willing to face the consequences because this is usury.
02/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • VA
  • 201XX
Web
I obtained a loan online from cash net USA and after several repayment costs were withdrawn from my bank account I raised concerns about the payments not being subtracted from my overall balance even tho they were paid, I could not get in touch with ANY employees from the company. I worked with my financial institute for several weeks and after not being able to get in contact with anybody my bank was forced to stop payments and the company sent the balance to small claims court. I still have not been able to reach anyone from the company only a lawyers office threatening to serve me at my place of work if I did not pay electronically a total of {$3000.00} immediately of the {$1500.00} payday loan received. The payments made have still not been taken off of the total balance of the loan at this time.
09/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
03/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 293XX
Web
I received a loan of {$1100.00} from XXXX XXXX also known as XXXX XXXX in XX/XX/2018. I made a payment in XX/XX/2018. Once that payment was made I realized the portion of it that went towards the principal was barely non existent and most of the payments would be towards the interest. After further reviewing the contract I realized this loan was unlawful due to the interest rate being charged. They are violating usury laws in the state of SC as far as the interest rate being charged to customers. The legal rate of interest max is 8.75 %. There are usury penalty laws that apply to XXXX XXXX in regards to this loan and I'm sure many others. I am not trying to get out of paying back the amount borrowed but will not and am not going to be liable for paying the unlawful amount of interest they charge.
07/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • ND
  • 58104
Web
My husband opened up 2 accounts with netcredit.com {$18000.00} and {$10000.00} because he needed money to pay bills and was n't communicating with me. We have since started XXXX XXXX XXXX XXXX and I have taken over the finances. We are not able to pay either of these loans back because they are at a 40 % interest rate. The payments were coming out of our checking account automatically and when I tried to get netcredit to change it for one of the loans, they asked for statement information on the other account that I was going to have the payment come out of. As that conversation went on I was told the interest rate and that there was no changing it. This company opened up two accounts for my husband without adequate identification since he was able to open one of the accounts with my information.
05/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32233
Web Servicemember
Loan for {$3400.00} XX/XX/XXXX. Agreed to pay XXXX bi weekly to pay it off. I called the the company XX/XX/XXXX ( 8 mos later ) to see how much I had left to pay on it. The net credit rep said you have only paid {$ 120.00} towards the loan balance. I thought this cant be mathematically correct. {$170.00} x 9 = {$1600.00} After giving them {$1600.00}, they have only applied {$120.00} towards the principal and my balance as of today is now {$3100.00}. ( Year later ) The rep said only {$5.00} - {$7.00} out of {$89.00} goes to the principal. That was how it was explained initially ibecause the first payment I made {$35.00} was applied to the principal then each payment thereafter dropped to {$5.00} dollars per payment. This is a scam and was meant to deceive. Please help me! Thank you XXXX XXXX
06/02/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37129
Web Older American
In mid-May I emailed CashNetUSA to let them know that due to health issues ( XXXX XXXX and XXXX XXXX ) that my income is now much lower and I can not afford my regular payment. I have had my loan with CashnetUSA since XX/XX/2018. The original loan was over {$3000.00}. I have NEVER missed a payment. They did reduce my credit line to {$2600.00}, which I had no problem with about the time the Cortona Virus started.. On XX/XX/XXXX I received an auto generated email back from CashNetUSA giving me a number to call, which I called the same day. I was told that they do not offer loan modifications. Period. I would like to request that CashNetUSA redo my loan so that I can make principal payments and pay them off. I have already been paying around 299 % interest, so they would not lose a cent on me.
06/17/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TN
  • 37862
Web
A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam!
01/24/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 310XX
Web
When I took out the loan with NetCredit in XX/XX/2014 I thought I would pay back the amount and be done paying them. Now after 57 payments of {$85.00} every 2 weeks I have only paid {$520.00} to the principal. The rest in all interest. The interest rate is 57.77 percent. Had I known this, I would never have agreed to continue with the loan. Here is the information from the loan paperwork. I just do not understand how a company can really do business like this. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled 57.77 % {$7100.00} {$3600.00} {$10000.00}
02/01/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 90403
Web
I took a loan with XXXX and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX Thanks, XXXX
01/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30135
Web
I got a persinal loan from XXXX XXXX for about {$7000.00}. I did sign for the loan and received the money. After speaking with a friend that works for a mortage company, he explained that if I pay this loan to term at {$360.00} a month for 5 years, I would be paying about {$21000.00} for a {$7000.00} loan. He siad he has never seen an interest rate this high at about 60 %. He suggest that I have CFPB look at this to make sure it was ligjt. This company is registered under 3 names and all at the same address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX NC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX I know I signed for the loan in a bad time of need but I wanted to have this reviewed for legitimacy. Please let me know if you need anything else from me. XXXX XXXX XXXX
04/03/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 623XX
Web
XXXX XXXX has contacted me on XXXX occasions. XXXX time stating I owe on a loan. An must take care of in timely manner before court. ( call on XX/XX/XXXX ) XXXX call was asking what I have decided to do to resolve issue. I told them it was n't my debt. She told me good luck. ( call on XX/XX/XXXX ) Then received a message stating I had XXXX to make a statement on my behalf. ( call on XX/XX/XXXX ) I have also received a email stated the debt I owe. They also have some of my personal information. I asked when the loan was deposited and when payments where missed. They could n't address that information they told me. I have called cashnet to double check on any loans. They stated the last loan I received was in XX/XX/XXXX and had been paid in full. An then offered me a loan which I refused.
05/18/2015 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 44107
Web
I could n't find an option that best fit my complaint. I took out a cash net loan a few years ago paid it XXXX by now but the first time lost my letter which is my fault. I paid it XXXX XXXX of this year and had them email me a copy of my paid in full. The next day they tried to have me pay it again after harrasing me they got a paralegal involved and she resolved that it was paid and I did n't owe anymore which i have a voicemail proving that. A month later they called my father trying to get him to pay my already paid debt. I 'm XXXX years old and do n't need my father involved on my behalf. I called and resolved it with the paid in full letter. Today I recieved a call trying to get it paid again. This company is harrasing me even though my debt is paid off. Can you please help me?
10/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77627
Web Servicemember
The amount of the monthly payments that I'm supposed to pay is astronomical. I don't remember my agreement saying that much every 2 weeks because I would have never agreed to take on that much more in monthly debt because that means not being able to feed my kids, I don't know if They approved without validating my income or proof that I could repay. I had multiple overdraft fees on my l account, and it didn't maintain a positive balance for very long. My credit card usage went up dramatically in the past year, and my credit score went down drastically as well. I was desperate for income due to medical bills from my wife 's numerous medical bills and had been applying for multiple loans. Anyone could see that I was already overextended, and this is by definition, predatory lending.
10/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • MN
  • 559XX
Web
Unfortunately due to a health emergency and only having one income and barely getting by, I fell for a very high interest ( 299 % ) loan. Within 2 months I now owe XXXX more than the loan itself. After doing research I come to find out it is federally illegal to charge that much interest and Usury Law in Illinois where this company is based out of says any contract over 9 % interest is voided. I am trying to settle with them and they are not having it. With all the research I have done I am willing to take this to court if needed but figured I would reach out here first. They told me a manager will be in touch via phone and I told them I will not be accepting any phone calls. They can contact me via email only. I need help. I have the money to pay off the amount borrowed. Thank you
10/26/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37110
Web
Cash Net .com said I took out a loan online on XX/XX/XXXX in the amount of XXXX. I told them I did not. They did have some of my personal information some was right and some was wrong. The guy on the phone was very rude and hateful. Now XXXX XXXX XXXX ( number they called from XXXX ) is calling with the same information They said the money was deposited into a XXXX XXXX account in my name with the last four digits of the account number. Both companies said they had reached out and sent notices by email but the email they had was not correct. I called XXXX XXXX on XX/XX/XXXX they confirmed i did not have an account with them and the account number I was given by XXXX did not exist. XXXX informed me I needed to pay the money or file a police report so I have spoke to the police.
01/06/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34786
Web
I have received multiple mailings ( XXXX, XXXX, XXXX ) from the XXXX XXXX XXXX out of XXXX, Ill regarding a " debt I owed to Cashnet USA. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through Cashnet USA ), he replied, " So you are disputing it then? '' I told him yes. The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.
09/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • XXXXX
Web
Reference ( Copy of Email Communication to date ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX : Requested to have account closed since credit line was denied and no business transaction was going to be enacted. XX/XX/XXXX, Their response in brief : " ... we regret to inform you that XXXX can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. '' The rest of the email response is referenced above. No exchange of funds transpired, but personal information may be at risk of being sold, abused, or misused. They chose to not do business with me, and I chose to not do business with them, therefore requesting to have my account closed.
12/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22310
Web
Hello, I have been using CashNetUSA since XX/XX/XXXX, Line of Credit ID Number : XXXX The current interest rate for this loan is 0.819 % I've paid this loan off a total of four times over the past 5 years. It is time for my debt to be forgiven. Additionally, on XX/XX/XXXX, I sent a letter requesting the following information : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Virginia. 5. License Number of CashNetUSA Rather than provide me the information requested, they sent a generic response with no definitive answers to my inquiries.
02/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
NETCREDIT Must provide consumer with an authenticated record of accounting to validate and verify alleged debt. NetCredit, I am requesting an authenticated record of accouting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities associated with my financial record. Failure to act and/or comply will result in legal actions under Federal Laws.
09/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • IN
  • 46202
Web
I was given a personal line of credit with CashNetUSA. I was short on funds and my car needed work so I took out {$300.00} to pay for it. I clicked on what I wanted to borrow and that was it. No other information was given. No payment schedule of what my payment would be no amount of payment was given and no date. XXXX info. The money loaded in my account and a few days later not even a full month I got notice to pay {$170.00}. I was like this can not be correct. I called and after being called a liar they would not help me, nothing could be done. The rate and payment amount should be given to the customer. They give nothing. I would be happy to show you exactly how this website works. Its such a scam. This company is praying on the unfortunate and they need to be stopped.
09/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 32127
Web Servicemember
Made an effort to fix this problem now I have to stop the auto pay since they just randomly take money out of my account when they feel like it. Made my agreed payment on the XXXX then I saw another payment come out on the XXXX and they claimed I was past due. I have constantly complained to them about this I finally had to stop the autopay. Ifile the two paychecks as they wanted to prove my pay cycle their explanation was it takes 3 billing cycles but if I prove to you the money is there only on certain dates why are you taking money randomly out of my account they are to cease access to my account since they can't be trusted i will pay diligently till this account is paid for then I will close the account seemed like a great service but these practices are unacceptable.
05/23/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • DC
  • 20020
Web
I received a loan threw XXXX. When it was time i made payments on time as the agreement. Cashnet then attempted to make unauthorized debits from my account. I was notified by my bank, who closed the account and began an investigation, While in the process CASHnet again made an attempt to debit funds. This made the account go into a negative balance as my available funds had already been moved to a different account. I am now getting harassing calls from a third party debt collector threatening to sue me and garnish my wages. They called my work phone number on numerous occasions. I spoke to a supervisor by the name of XXXX XXXX who was the person threatening me. I tried to explain to her the circumstances involving the account but she was uninterested. She was very rude.
09/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33157
Web
Account info Account name XXXX XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2023 Status Open. {$1.00}, XXXX past due as of XX/XX/2023. Status updated XX/XX/2023 Balance {$4100.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$440.00} Credit limit {$3200.00} Highest balance {$4100.00} Terms Current / Terms met 30 Past due 30 days 60 Past due 60 days Payment history guide 60 days past due as of XX/XX/2023, XXXX XXXX 30 days past due as of XX/XX/2023 By XX/XX/2030, this account is scheduled to go to a positive status. Balance history XX/XX/2023 Additional info As of XX/XX/2023 your credit limit/high balance was {$3200.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX
11/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92028
Web
I paid off the loan on XX/XX/XXXX. At that time I called the company and they had indicated that I had overpaid by {$94.00} and that I would get that balance in the form of a check within 30 days. 30 days passed and I received an email stating that my next payment was due on XX/XX/XXXX. I contacted them on XX/XX/XXXX and the representative I spoke with stated that the payment message was a mistake. On XX/XX/XXXX I tried to use my bank card and was denied because there was a pending ACH hold on my bank account from Net Credit. I will contact them again today when they open and ask them to erase my bank account information. Also, when i call they state that all calls are recorded for QC purposes. Also, I can not get a paper statement or a pay off notice from this company.
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 750XX
Web
Cashnetusa along with their affiliate Netcredit processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90505
Web
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, NET CREDIT XXXX
10/04/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75010
Web
In 2013 I paid my debt which was to Cash Net USA however they sold my account to a XXXX XXXX XXXX company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
05/21/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 77632
Web
The company that is handling this debt is called XXXX XXXX XXXX. The phone number I have for them is XXXX and the woman I spoke with is named XXXX XXXX at ext XXXX. She called my home on XX/XX/XXXX and left a message about an outstanding account that was initially with CashNet USA ( online payday ) back in XX/XX/XXXX. She repeatedly threatened with jail time over this debt. I know that this debt was paid by the bank because when they pulled out the full amount owed from the account, that bank account ended up closing out with about $ 1400-1500 left owing the bank. After repeatedly being hung up on while trying to talk to her about this, I did some research and located this site. When I realized what she was doing was wrong and even illegal, I decided to file a claim.
11/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • XXXXX
Web
NET CREDIT refused to give me a consumer and natural person their own credit and used a deceptive scoring system to deny me my own credit. 15 U.S. Code 1692- Congressional findings and declaration of purpose covers this violation as i natural person am operating under full faith and credit. This deceptive practice will need to be corrected immediately as this violates my federally protected right which are above any polices and procedures that NET CREDIT might try and use as a excuse for the deception Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by NET CREDIT, violating 15U.S.Code 1691 ( a ) ( 3 ). XXXX XXXX XXXX UCC1-308 Attorney in Fact
10/12/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94536
Web
I recently noticed that XXXX aka XXXX XXXX solutions has reported 2 erroneous collections on my credit report under act # XXXX aka XXXX and XXXX. My numerous attempts to resolve it with the collection company backfired and now I am being harassed not only at home but at work, and with relatives ... they have sent me " validation of debt '' claiming it was from CNU a California regulated loan company and enclosed a contract NOT signed by me reflecting interest charge of 357.84 %.. I first do NOT recognize this contract, did NOT sign this contract, and do NOT believe in the state of CA no company can charge more than 10 % interest rate... XXXX is refusing to remove these accounts from my report. Threatening to garnish my wages and to arrest me. How is this ok to do!
11/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • NJ
  • 08611
Web
On XX/XX/23 I received an email that states that my application was approved then a following email stating that my application was denied based on bank account activity. I never authorized an application or an hard inquiry on my credit report. I have a fraud alert in my credit that request that lenders contact me to verify my identity and information before proceeding to open any credit. That never happened. Also, I looked on their website, and it says that checking eligibility doesnt affect FICO score, giving consumers the impression that there is no hard inquiry. So something is very dishonest and non transparent with Net credit. I called the company and did not receive any information XXXX inquired how this happened. I spoke to an agent named XXXX on XX/XX/23
08/17/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • UT
  • 84108
Web
I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. They have not responded to my requests and have continued to send me overdue notices on the account.
01/26/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MO
  • 657XX
Web Servicemember
did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. Until we receive the report, collection procedures will continue and you will be held responsible for the loan. If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com
04/13/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30071
Web
On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. I asked XXXX if I provided the number to the reference she called. She said no. I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. I advised XXXX I am not responsible for this debt and she should not be calling me or more family. XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment
04/01/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • VA
  • 23455
Web Servicemember
I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.
08/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 334XX
Web
i've been incarcerated from XX/XX/XXXX- XX/XX/XXXX XXXX was unable of making this account or any transaction with this account. I reviewed my Consumer Reports and noticed that I had accounts that I never made. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I never had accounts with this company : ( Company Name : Netcredit/Republic ban ) ( XXXX XXXXAccount Name ) : (??? Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed. Thanks, Fair Resolution! on company : Netcredit /republic ban account open : XXXX XXXX balance {$2500.00}
12/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 43017
Web
I was notified about a loan taken out in my name at CashNetUSA. CashNetUsa would not assist without a police report. I have filed a police report and sent to this company as they requested. I have spoken with their Fraud department and was told they would send the details on the application that was fraudulently completed in my name but have not received it. They stated they would send this two weeks ago but it has not been received. I have left multiple messages for their fraud line with no response. I have called the corporate offices and have gotten no assistance. It is very frustrating to be a victim of identity theft and get zero assistance from the company. This company seems more interested in helping the criminals than the victims of identity theft.
05/26/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 229XX
Web Older American, Servicemember
In XXXX I contacted Cashnetusa to borrow {$2000.00}. The first payment to repay was $ XXXX XXXX, Then I was told it was {$580.00} in XXXX. In XXXX I was told that I was to pay {$800.00} and that I owed {$2500.00}. With my payments, the amount did not go down it went up. At this point I was concerned that I was being gouged. I contacted them on XX/XX/2020 and stated that I had been out of work and could only pay {$150.00} a month. They then sent me an email stating that I could settle the account with 4 payments of {$990.00}. I have already paid them {$250.00}, {$580.00} and this past week a money order for {$150.00}. This is a total of {$980.00}, yet they say I owe {$3900.00}. I am a veteran and XXXX years old and feel that I have been taken advantage of.
03/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 94526
Web
On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. My account number is XXXX
08/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 94605
Web
NetCredit sent a notice of adverse action well outside of the window required under CFPB rules. The notice of adverse action should be sent within 30 days of a denied application and I received the notice today, XX/XX/XXXX, for an application for pre-qualification made in XXXX of this year. " We are writing to you with information about your application with NetCredit on XX/XX/2019. Due to an internal error, this notice was not sent immediately after a decision on your application was made. As a reminder, you are entitled to a free copy of your credit report that was used in our decision-making process. If you have any questions about this notice, please contact NetCredit directly at the number listed below. Date : XX/XX/2019, XXXX XXXX Central Time "
10/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • ID
  • 837XX
Web
Had a loan for XXXX have already paid XXXX and owe another XXXX because of the XXXX XXXX interest rate. On top of the crazy interest rate it charged me XXXX XXXX everyday adding XXXX $ onto my loan every single day until I pay it off. Called cash net to settle for the amount I borrowed and they told me that it was my fault for not reading through and finding my interest rate. This company is preying on people who they know cant make these payments and they will increase your limit without asking as well as monitoring your bank account so when you get low on funds they send an email soliciting to you that you now have more funds to draw from. Completely absurd and out of line, I would like a follow up to this complaint to see what will be done about it.
04/28/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20706
Web
I defaulted on a payment arrangement that I had made with CashNet USA in XXXX. I called maybe in late XXXX XXXX to make new payment arrangements. I was told that since I defaulted on the previous payment arrangement, I could not make a new payment arrangement, but that I could make payments on my own. I mailed in payments around XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX in the amount of {$50.00} each. On XXXX XXXX, XXXX, CashNet USA sent my account to collections. I would like to know why my account has been sent to collections if I was making payments. Also, in XXXX CashNet USA had made two withdrawals on the same day from my account without my permission and on a day that I had not authorized. I filed a claim with my bank to get the charges reversed.
05/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30331
Web
Obtained a NetCredit loan through their website on XX/XX/21. The current balance is owed is XXXX. The payments are XXXX and they are paid every time I am paid on the XXXX and XXXX. The interest rate is 54 %. When you apply for the loan it doesnt tell you if you are approved or not. They just deposit the money in your account and expect you to pay the high interest rates. When you actually take a look at the contract the interest isnt disbursed the correct way. It will take me forever to pay off this loan. If I pay a XXXX $ payment only {$3.00} is going to the principle. Ive called them several times and attempted to have my payments lowered or interest rate lowered .They WILL NOT HELP AT ALL this is against the law. Please help me proceed further.
09/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • XXXXX
Web Servicemember
I got an email on XX/XX/2022 stating, " Dear Applicant : You are receiving this notice because you applied for a NetCredit product through XXXX XXXX. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : '' I never applied for this. I tried calling this company because the email also showed this : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Account # : ******* XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Which made me think and ask the first person who answered did someone open an account with this company in my name. The person hung up on me. I called back and asked for a manager and was put on hold for over 20 minutes at which time I hung up.
10/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 32839
Web
On XX/XX/2023 i applied for a line or credit with NETCREDIT and was denied my right to credit because of information inside my consumer report. information contained inside my consumer report is not a determining factor of credit and is a violation of the Equal Credit Opportunity Act. Not only was I denied my right to credit but NETCREDIT also used my credit card ( ssn ) and I received no benefit from the use of my credit card. NETCREDIT is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act by denying me my right to credit. This has hindered me from providing basic necessities for my and my family. Denying me my right to credit has also hindered my unalienable rights to life liberty and the pursuit of happiness.
09/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 23227
Web
I started this loan with Cashnet USA this in 2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
04/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 29611
Web Older American, Servicemember
NetCredit charged me an exuberant interest rate @ 65 %. The minimum rate for the State of South Carolina is 39 %. According to SC State law anything above 39 % is considered ( Usury ). Sent a certified letter to Netcredit on XX/XX/2022 in efforts of lowering my interest rate to the minimum allowed rate here in SC where they're license to do business with fellow residents of the same. Placed several calls to Netcredit in order to ascertain their decision. Met with negative results on each occasion. My payment history has been performed as promised up until this point. That said, I respectfully request your assistance regarding the interest rates in question. Thanking you in advance for your prompt and professional handling of this matter...
09/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 23227
Web
I started this loan with XXXX XXXX in XX/XX/2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
08/25/2020 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
  • CA
  • XXXXX
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/15/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22405
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • LA
  • 70118
Web
Cashnetusa deposited {$300.00} into my personal checking account on Wednesday, XX/XX/2019. They used my personal information from a loan they had transacted with me 10 years ago. I contacted them upon discovering the deposit today, XX/XX/XXXX. I was told they could not reverse the deposit because more than 24 hours had transpired. I argued with several agents for nearly 45 minutes before they finally agreed to reverse the deposit. My complaint stems from the simple fact that I DID NOT authorize anybody at cashnetusa, whether on line, on the phone, or in person, to grant me a loan of any kind whatsoever. I sincerely believe that the only way this loan was transacted was by a cashnetusa agent with nefarious and/or fraudulent intentions.
04/29/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • VA
  • 238XX
Web
A company called XXXX contacted my place of employment, my son, and my mother threatening to file suit against me for fraud in regards to a loan/line of credit with CashNet USA. They kept asking me did i intentionally try to defraud CashNet when I received the loan. And they could only discuss arrangements with me based upon how i answered that question. Also since I stated i could not pay the money within 60 days, they were going to proceed with legal action in XXXX County, VA on XXXX cases of fraud and that i should seek legal counsel. The number i called to reach them was XXXX. And they gave me a case number of XXXX to refer to. I contacted XXXX County Courts and Sheriff 's Office and they have no information regarding this matter.
06/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 713XX
Web
I received a call from the supervisor XXXX on XXXX XXXX from this company stating an apology for the unprofessionalism that I have been receiving. She requested that I reapply and she would ensure everything would be properly handled. Later this day i received a call from a loan processing specialist saying that all information was received but they needed to verify my bank account because their system was down she stated that she would have a supervisor contact me. There was no call from supervisor only to wake again with a closed application with fraudulent excuses.This company is stealing information, damaging credit scores, and discriminating. Recieved a loan 3 months ago same day no problems and new management is unprofessional.
08/27/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32824
Web
good morning I have an account with NetCredit financial. The amount of the loan is {$1900.00} and my monthly payment is {$160.00} For over a year I got laid off from my job so I called Netcredit asking for hardship. They told me not to make any payments but they kept sending me bills anyway. I called them and begged to settle this account, they told me to pay {$2000.00} to catch up and resume my monthly payments. Because of their predatory lending now my balance went from {$1900.00} to {$4000.00} and we still have 2 years left. I understand NetCredit is a part of whats called XXXX XXXX XXXX XXXX and they must be stopped. Could you please help with this matter. My account number with them is XXXX Thank you so much. XXXX XXXX
02/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 201XX
Web
The unverified Net Credit # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information as has never requested $ XXXX of loan. Net Credit has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the account claiming that was verified but provide no evidence of the verification and ignoring all the facts that the account should be reported closed. This account should not be reported in my credit.
10/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 29420
Web Servicemember
I applied for a XXXX loan on XXXX XXXX I was paying the loan every month until I fell behind by two payments. I want to settle this account and every time I call the collections department someone picks up and hang up. This is my second complaint in this month. My main concern Im paying XXXX every month and the in thing thats being applied to the principal is XXXX Its almost a year and I still owe XXXX this is ridiculous that a company like this can get away with charging people triple. When I complained in XX/XX/XXXX I provided proof of the loan, but the company came back and stated that I borrow XXXX in XXXX thats a lie. And cfpb closed the complaint. They never asked for there proof or anything. I need help with this company
04/24/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 77023
Web
I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.
08/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • XXXXX
Web Older American
On XX/XX/XXXX Cashnet USA said I applied for a loan for {$500.00}. I never applied for this loan. The loan number of this XXXX. The due date for repayment was XXXX XXXX. I have been receiving ssi payments for XXXX for 41/2 years. You are not allowed to take out loans. They said I would have to make a police report. Call the XXXX XXXX XXXX XXXX XXXX. I had no results from that encounter. I do have the loan officer name who signed the loan agreement. XXXX XXXX. He signed it at XXXXXXXX XXXX on the XXXX XXXX. Vertices number. XXXX. The agent I spoke with said they deposited into an account at XXXX Bank. I have no such account. I had my bank XXXX XXXX send copies from XXXX to XXXX of XXXX and no such deposit for {$500.00} showed up.
04/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • LA
  • 71291
Web
I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment! Netcredit keeps responding back to me about my checking account XXXX. That is NOT the account that is tied to the netcredit line of credit! I NEVER RECEIVED THIS MONEY AND THE ACCOUNT ending in XXXX WAS CLOSED MONTHS AGO. They have stolen money and now say that I owe it to them! I can not get this issue resolved and they are not willing to help!
07/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 93933
Web
they collected more than what I owe and they did it without proper communication. At first they stopped collecting for XXXX months giving an impression that the loan was paid. They also called me last month and left a message offering a new loan. All of a sudden they resume collection in XXXX, XXXX when I called them they said that I still owe & XXXX which baffles me because I have been paying this loan since XX/XX/XXXX and should have been done last XX/XX/XXXX.They took a sum of {$300.00} ache in my bank last XX/XX/XXXX. No payments has been collected in the months of XXXX XXXX and XXXX which I thought it was fully paid already. Please take action to resolve thiS problem of mine.. I do n't want them to get the money again
11/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • KS
  • 674XX
Web
I explained to several representatives and agreed upon paying {$82.00} vs {$380.00} every two weeks. When I greed to this it was via chat and they did not stress to me that the normal payment as well as the agreed upon reduced payment was due. They have me trapped, and I asked to have the loan or line of credit terminated and to reach an amicable affordable every XXXX weeks payment. They will not work with me and have overdrawn my checking account twice and disregarded my instructions and request. I am willing to be an adult and reach a mutual agreement but they have me caught and continue to say there is nothing they can do. Trapped and no relief or mutually agreed upon terms will be passed on to me to work with them.
08/31/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 94585
Web Older American
On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. Please intervene for me to set up a payment plan that I can afford. Thank you for your assistance.
04/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • ID
  • 83815
Web
Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment
10/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • TX
  • 78717
Web
I had to get a new checking account due to fraud, and when I contacted support to change my banking information, which I did not want to provide via phone or email, as most companies nowadays have ways for you to fill out this information online without emailing over financial documents that contain sensitive information. This institution only allows you to update your banking information by providing sensitive financial documents, i.e., statements or voided checks, which contain all your banking information and can easily be hacked, making you vulnerable to fraud. This institution needs to implement much safer ways of updating banking information, as this current way puts many people at risk for bank account fraud.
05/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • VA
  • 23185
Web
in XX/XX/XXXX of 2019 i emailed the company that i was changing bank accounts. and they kept withdrawing from a no longer used account causing damages to the bank account i incurred over {$300.00} in overdraft fees on this account plus their payment totaling in over {$900.00} with the banking fees.. earlier this month inXX/XX/XXXX of 2019 did i get a e-mail asking for my new account information via this e-mail they sent which i know for a fact this is a security threat to the banking system and no one should reply to any e-mail with a bank account number. every time they call i state they have a balance owed on a bank account that was over drawn and they still state that i owe a balance.. this is a stale mate situation.
10/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 238XX
Web
I got the personal loan about {$1500.00} from XXXX and the interest rate was around 27 % or somewhere around. After few month there was an offer to get more loan on the top of it, which I accepted it, which was around {$1100.00} more, and later found they charging 97 % of intere, Im making payments since more than six month, {$100.00} every two weeks and my balance is still there, looks like Im not able to keep it continue due to this, they taking all my payments in interest, Im looking for to adjust my interest in to a legal limit, I called the customer service about two weeks ago and I have been told that, there is no negotiation on interest. Total loan amount {$2700.00} Total interest {$5800.00} Total due {$8500.00}
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60423
Web
I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
11/13/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48375
Web
I received a phone call from a company called XXXX XX/XX/XXXX read the message and ignored it. Then received another XX/XX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX Bank, this happened sometime in XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX XXXX XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you
11/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33325
Web
I needed {$5000.00} in a hurry and I took a loan with Net Credit processed through XXXX XXXX. I paid {$2500.00} and went to pay the loan and they told me that I still owed {$4700.00}. The interest rate charged was 65 %. Kentucky dept. of financial institutions suggested that I contact you to make you aware of this fee. It appears that XXXX has the appropriate disclosures and does present the terms of the loan in their Truth and Lending Disclosure, including the interest rate. While I signed the attached contract, I was planning on paying it off in XXXX, then the pandemic hit and was unable to pay it because of financial restrictions of The Pandemic. I want to pay this loan off asap. Please advise XXXX XXXX XXXX XXXX
10/26/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60634
Web Older American
Email received from NetCredit XXXX Please Make a Payment Today Dear XXXX, Account # : XXXX Please make a payment as soon as possible by signing in to your account or calling us at ( XXXX ) XXXX. Your account is severely past due. We understand that certain circumstances may affect your ability to meet your financial obligations, and NetCredit is here to help! If you are having trouble making a payment right now, please give us a call and see what payment options for your past due balance may be available to you. Please find a detailed summary of your account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit card or bank account on file.
09/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • VA
  • 23225
Web
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to NetCredit. NetCredit accepted my credit application and personal information but in turn sent me an an adverse action letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX, XXXX XXXX XXXX XXXX, XXXX. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to NetCredit and they denied me access to my federally governed right to credit as the consumer in this transaction.
04/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 229XX
Web
After reviewing Virginia Law in regards to these predatory loans I contacted XXXX XXXX and uploaded documents asking them why they are continuing to take these payments from my checking account since this loans exceeds the 12 % interest maximum in Virginia and that I had already paid the principal of the loan and well over 12 % interest. The organization does not operate in Virginia that I can find. The individual stated she was a manager and stopped the auto pay however, she stated I would still be responsible for the money owed. If I continued to pay this loan I would have paid over $ XXXX in interest on a {$5200.00} loan. She also stated that they would report to the credit bureaus if such payments were missed.
08/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33604
Web
I got this loan around or before the pandemic started and I began paying the Loan but the pandemic crisis affected us, and despite the financial issues with the pandemic, I still paid the payments fast forward to the the XXXX hurricane. We had issues due to having a natural disaster and the company refused to helped us! I called many times and they refused to provide help I could afford to get back on track. I tried for almost a year to get some affordable payment options to pay back the debt. A week ago they sent an email which indicated they determined us as having disaster relief assistance. They never gave us any help. Something tells me they got federal money to help consumers but didnt actually help them.
09/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22191
Web Servicemember
I contacted NetCredit collections team : ( NetCredit Collections Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX ) somewhere between XXXX and XXXX of this year XXXX to find out when my last payment was due to complete paying off my loan which was agreed by them to make payments until it was resolved. When the time came to close the loan as account paid, I was told that I still owed another {$5000.00}. I explained that according to the agreement established by them and me that my loan was paid in full. Even though we had an agreement they still enforce collection and severely affect my credit score because this matter isn't resolved. I obliged my part of the deal but they are not obliging their part.
08/10/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 230XX
Web
initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.
09/25/2023 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
  • CA
  • 94544
Web
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to NETCREDIT XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
01/22/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 95843
Web
Last payment to original debtor, CashNetUSA, was on XX/XX/XXXX. Debt was sold to another company, XXXX XXXX XXXX at unknown time. XXXX XXXX XXXX has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line XXXX on page XXXX of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : XXXX # debts.
01/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • AL
  • 36575
Web Servicemember
I did not receive my Truth In Lending Act disclosure prior to my line of credit with CASHNETUSA. I have attempted to obtain on numerous occasions in the last several days and have been told various reasons why it will take 3 to 10 business days. One customer service representative told me a manager had to review my account and will call me back. This will take 10 business days. The second customer service representative told me it will take 3 business days. I am not confident in the information I am being given and am in need of the TILA with CASHNETUSA. This should be on my account page. For anyone who does not receive their TILA prior to the loan/line of credit you are not legally bound to make any payments.
07/30/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • XXXXX
Web
I had been taking out a payday loan with CashNet USA for a few months. After repaying my loan and signing in to reborrow, I did n't see the option of my original payday loan, only the " new '' option of a Line of Credit. I was approved. The payments were set up to draft from my account monthly. The first payment was roughly {$240.00}. However, the following payments were just down right ridiculous. Ranging from $ XXXX- {$800.00}!! That 's more than ALL of my monthly expenses combined! And to top it off, the line of credit gains interest DAILY. My balance is the same that it was when I was initially approved for the loan. It does n't seem like there is a way out! I feel like I am a victim of predatory lending.
01/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • DC
  • 20011
Web
Cashnet USA has been overcharging me for the past year since I registered with them to receive an initial payday loan of {$1000.00}. I attempted to settle payments supposedly owed on my account because I was charged at over 150 % the initial interest rate I was initially informed I would be charged. I took out a loan of only {$1000.00} for which I do not believe I initially qualified. I received multiple excessive phone calls and messages claiming that I owed different amounts. I was forced into a final settlement of {$1300.00} and in addition, I was emailed two separate charges of {$210.00} on XX/XX/XXXX and {$350.00} on XX/XX/XXXX. This was in addition to being charged {$350.00} repeatedly since XXXX XXXX.
07/31/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 766XX
Web
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and cash net the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
06/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95035
Web Servicemember
Obviously these people at net credit do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
06/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 245XX
Web
I applied for this loan in XXXX of 2020 because as a single parent I was struggling during Covid. As the pandemic continued, I was barely making enough to pay my house payment, car loan, insurance and utilities. I have done everything in my power to pay my bills off since Covid and making arrangements with my creditors. I even went as far as selling my home and moving in with my elderly mother to do this and where my child could attend College. As of today, NetCredit offered me a settlement of {$55.00} for XXXX payments to a total of {$5700.00}. I can not do that. I know I borrowed the money but between trying to pay everything off and inflation I just want to get a reasonable settlement within my budget.
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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 92262
Web
I was affect by the coronavirus pandemic. I contacted the lender multiple times to inform them of my situation and made partial payments. However they reported on my credit report my payment was 30 days late in XXXX and XXXX. You would think in These difficult times as a mother who lost more than 50 % of my income they would be more understanding. When I compare the total that was paid in their website and what was reported on my XXXX credit report they don't coincide. When I called and asked for a report of what was paid and what was due. They refused stating it would only confuse me. They payments were never more than 30 days late if they would have reported the correct days according to their website.
11/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30236
Web
I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX
06/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 36526
Web Older American
In XXXX of 2020, I borrowed a total of {$2000.00} from these people. Then my work was severely impacted by the coronavirus shutdowns. I have already paid about {$500.00} in interest, or about 20 %. I've attempted to setup a payment plan with them, but they won't stop the accumulation of interest. They are now saying I owe them {$3100.00}. They will soon double the amount. At XXXX years old, I am not optimistic about finding new employment. My hours are starting to come back up, but I'm a long way in the hole. All I want is for them to accept the {$500.00} interest I've paid them, and let me repay the loan amount of $ 2000 monthly. They have done NOTHING to compensate for the pandemic. Nothing.
03/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 95901
Web
I acquired this loan early last year. I had to get this loan to pay my bills due to a slow time at work. I was desperate. This was around XXXX/XX/XX/2018. In XX/XX/2018, I was still struggling to repay this loan. I borrowed {$2600.00} and saw that my interest rate was near 100 %. So, my balance barely budged. I was paying on time every month until I couldnt and turned this account over to a debt settlement company. They werent successful about settling this account. Ive tried to settle with this company and they were vague about the terms of the settlement and I asked questions and they went unanswered and ignored. I sent them a promise to pay at {$1200.00} and again, this went unanswered and ignored.
03/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30331
Web
I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.
12/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22153
Web
I borrowed money from cashnetUSA on XX/XX/XXXX the amount of {$400.00} and another {$600.00} on XX/XX/XXXX. On or about first week of XXXX I paid the amount of {$100.00}, then after 2 weeks, I paid {$200.00}, then after a week I paid XXXX, then paid another {$300.00} sometime second week of XXXX thinking it will reduce my principal. I was informed that my balance is still {$820.00} after paying {$670.00} in the span of 2 weeks. Exorbitant fees and charges I was not informed let alone agreed on the charges and fees which is incredibly usurious. The company is a corporate vulture preying on vulnerable people like me poor and ignorant. The government should protect me/us against this usurious company.
04/11/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20774
Web Servicemember
Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks!
12/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90266
Web
I got this loan to payoff a couple of credit cards. They offered me a plan I could afford, supposedly reducing the cost of the total debt. It could not be more deceiving. It turned out the interest rate is 100 % a year, and worse than that, the amortization is extremely low, meaning that principal will not go down for a long long time. To give an idea, the total principal was {$5500.00}, taken in XX/XX/XXXX, and each installment is {$470.00}. By now I have already paid over {$7600.00} and the remaining balance of principal is {$4900.00} ( XX/XX/XXXX ). Moreover, to pay this off today, they demand {$6400.00}! This is outrageous and obviously against usury laws, a clear example of predatory loan.
12/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KS
  • 67226
Web
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1900.00}. My balance remaining is still somewhere around {$700.00}. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I submitted a complaint previously and no resolution was reached.
09/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KS
  • 672XX
Web
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1800.00}. My balance remaining is still somewhere around {$700.00}. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.
10/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • XXXXX
Web
i have tried to contact these people for over week, and never could speak with anyone. i filed complaint the other with you'll and within a few hours someone cll and left me a message to call but of course it was after closing!!! i called today and spoke with someone and said i hadn't sent in the information they needed i said yes i had and gave here the dates and time i had. then she said oh let me check then came back and said we don't recognize that bank i said what do you mean, she said that they are not a real bank they don't have a brick and mortar store i said what do you mean the federal government recognizes them that where my Social Security goes and my pension and then hung up
07/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • LA
  • 711XX
Web Older American
I admit that I looked into the offer of a loan from netcredit ; however, once I viewed the repayment terms and APR, I did not execute an e-docu sign. So, I never signed to receive the funds, but the funds were deposited into my account the next day. At the time I was in need, so I used the funds. To date ten months later, I have repaid over {$2500.00} on a {$3300.00} loan, but the current balanced owed as of today is {$3200.00}. So of the ten months of payments of $ XXXX monthly only {$100.00} has gone toward the principal. Additionally, I am requesting this lender provide verification or validation of the loan by producing an e-signature to show that I endorsed deposit of the proceeds.
02/15/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 363XX
Web
I currently have an account with Net Credit and I was told that I was in collections due to a past due amount. However, in their system it says I made the payment on the due date, and I have records from the bank. I called the company and was told they would fix it, and the issue has never been resolved. They are adding XXXX statement fees which keeps me in the same debt. I pay XXXX a month for a XXXX loan and the balance is still XXXX. I have phone recordings of the agents saying I dont owe anything but yet their forcing me to pay more and saying if I dont get the issue fixed it could be reported to the credit burues. However, how am I able to fix a issue that wasnt created on my behalf.
03/14/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 24401
Web
On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.
02/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33055
Web
on XXXX 2016 i received an email with a " thank you for your application '' from cashnetusa.com on XXXX/XXXX/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. i did not take any loan out, XXXX dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for XXXX XXXX cvard via XXXX to purchase a laptop, i am not saying XXXX has anything to do with it, it this started after that and it brings up a concern.
12/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 76131
Web
I have called several times on my account getting quotes of the payoff. Customer service representatives are quoting me different amounts that is owe for the payoff. I was quoted on XX/XX/XXXX that the payoff for XX/XX/XXXX is {$570.00}. I made a payment on XX/XX/XXXX for {$320.00}. I understand that there is a daily accrue of interest for this loan. I do not know how it come that I call on XX/XX/XXXX that the payoff is now {$440.00}. I do not understand this math. I was also told on XX/XX/XXXX that I my contract states that my last two payments are in XX/XX/XXXX on a bi-weekly basis when I only get paid monthly. I do not see how this is fair practice with pay day or installment loans.
04/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • KY
  • 40509
Web
I submitted an application on XX/XX/2023 and was advised to put in the requested amount up to what I was approved for. I provided the requested information then was advised I was denied. When I contacted customer service, I was advised by XXXX that he couldnt provide information regarding the decline and I would need to check my email. After checking my email I discovered the denial reason was for bank account activity. I called back and spoke to XXXX again who spewed nonsense at me and stated for privacy they couldnt provide further details. How is it a violation of privacy when Im the consumer? This sounds like a load of garbage and companies like this need to be held accountable.
08/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22304
Web
I have been making monthly payments for my installment loan from Net Credit. I am not behind on any payments. For the month of XXXX I was deducted two separate transactions of {$120.00} for XXXX onXX/XX/XXXX. I have been calling Net Credit since Saturday, XX/XX/XXXX with no avail. I have stayed on hold for over an hour and then call will then just drop off. No one ever picks us the telephone and I call multiple times a day. I have also sent an email to XXXX with no response. I call the customer service number XXXX as well as the collections number XXXX. I need to know why my account was deducted twice for the exact same amount and can not get any type of customer service response.
06/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • DE
  • 199XX
Web
On XXXX XXXX, XXXX, I applied for a payday loan for {$2600.00}. I have been repaying that loan back since XXXX XXXX, XXXX. I have {$200.00} withdrawn from my checking account every 14 days. I can no longer afford to pay this loan. To date, I have paid {$4800.00}. I have paid back my loan and then some. I made 2 attempts to resolve this issue. I made the first attempt on XXXX XXXX, XXXX and the second attempt was made on XXXX XXXX, XXXX. I asked after the withdrawal made from my checking account was made on XXXX XXXX, XXXX, if I could settle this account with a balance of {$4800.00} because I can no longer afford the payments. They apologize and said they need all of their monies.
10/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 231XX
Web
I simply placed an inquiry on line to be " preapproved '' for a loan amount and was then asked to " verify '' my information. The verification of my information was then taken by the company as a signature for the loan repayment. I never saw the terms of the loan, the APR percentage was only revealed after I verified my identity. Nowhere on that verification did it say that I was agreeing to the loan or the terms. The APR was then revealed to be 148 % of the original loan amount. When i attempted to return the money to the lendor, they stated that they could not take the money back but that I had agreed to pay it over the length of the term. Fraudulent and predatory practices!!!
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • KS
  • 678XX
Web
When I applied for loan with CashNetUSA they could not tell me how big payments are going to be. My first payment was about {$120.00} and was taken twice a month. After that payment was {$220.00} and keeps climbing up. It seems I am just paying for interest. Next payment is coming up on XX/XX/XXXX in the amount of {$300.00}. When I contacted them they emailed me to inform me about interest rates and promised to work with me to help me. If I knew what will happened I would never get a loan from them. Even now I dont know what my next payment is going to be. I think its not fair on a credit line of {$1400.00} to make payments of {$600.00} a month. And my balance is still the same.
05/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30040
Web
I had a loan with NetCredit which was paid off on XXXX via a refinance of my mortgage. The payoff was by check and was overpaid by {$460.00}. I was told I had to wait 30 days for the check to clear before I could get the overpaid amount sent to me. I have called every day for a week now to no avail. When I ask to speak to a XXXX they wo n't let me. When I ask for the status of my refund they again tell me I have to wait 30 days from the date they received the payoff ( which was XXXX XXXX ). Today is XXXX XXXX XXXX and it is still showing on my account as not being processed. At this point I think they should pay me interest on my money at the rate they charged me
04/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 76114
Web Servicemember
During COVID I requested assistance with payment forgiveness and or options for reduced interest/pay off assistance. The relief was not an option & interest, fees, and payments have increased exponentially in over two years. The line of credit has not charged off despite no payment to account. As well, Ive sent several emails for call back from management or supervisory account managers, Null. I have had conversations with representatives, was met with very rude and condescending push back. Overall, I have an amount thats doubled that the company wants me to pay. At this point my credit has been severely diminished with each monthly hit from net credit. To no avail no resolve.
11/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 768XX
Web
My pay period changed I knew my payment was coming due on XX/XX/XXXX So I called cashnetusa to change the draft payment to XX/XX/XXXX so I wouldn't go negative they confirmed this was okay however they drafted my account again which was unathorized in the same week..I understand my payments are made in 2 week intervals they drafted my account TWICE this week now I am negative in my account and can not pay my rent due on XXXX. Cashnetusa was unreachable on XX/XX/XXXX which is unheard of for businesses to be closed on XXXX Friday this is the shadiest business practice and I may have to close my back account and open a completely new account to avoid being robbed by this company.
08/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92584
Web
When obtaining the loan, it was not clear that I would be paying such a HIGH interest rate nor that I would be paying this loan twice a month. I needed the cash to assist with my father 's unexpected medical expenses. I only borrowed {$3000.00}, which only got a portion of that deposited after fees, and I have paid a total of {$6700.00} so far and have 6 more payments to go. That means I would have paid at least {$8100.00} for this loan. I have been fortunate enough to still have a job and although it is a struggle, I have been making this payment, however I read that the maximum interest that can be charged to consumers in California is 10 %. I am being charged 200 % + here.
07/15/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • TN
  • 38002
Web Older American, Servicemember
I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.
07/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30132
Web
I have attempted to contact this company several times about this account being fraudulent and they have informed me to get a police report about the identity theft but the police stated they cant produce a police report for an loan that was taken out online, but yet this has continued to affect my credit for several with attempts to collect on debt I did not authorize. I need to know what other ways I can get this removed from my credit so I can put this behind me and start rebuilding the damage this fraudulent account has caused me because this company is not assisting me with that other than just saying I need a police report when I cant obtain one with his type of fraud.
11/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 432XX
Web Servicemember
They asked for all of my personal information and my bank info. I uploaded all the required documents. I received an email saying I was declined because they couldnt verify my income. This is blatantly false. I uploaded my pay stubs ( more than required ) and have worked at a major big ten university since 2008. I then called and told them my complaint and they said, despite asking for all my personal information AGAIN that they couldnt discuss it and I should check my email. Which was the reason I called. This business is fraudulent and now has all of my information. I want them shut down for predatory lending, false information, and refusing to state the reason for denial.
09/21/2020 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
  • CA
  • 95138
Web
On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from NC FINANCIAL Solution on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. I follow-up with NC FINANCIAL Solution and XXXX XXXX to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment. NC FINANCIAL SOLUTION replied as reported late although I have paid the loan in full. It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.
05/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30052
Web Servicemember
XXXX loan for {$5500.00} was told that by the end of my loan I would have paid {$17000.00} I had no idea that my APR was 900 % out of never agreed that I have payments of {$300.00} a month I have no income at this time and such company is threatening to send me to collections after being 2 days late I have no regulation of XXXX XXXX XXXX with that much interest in such a short of time to pay back I have no regulation of XXXX XXXX XXXX with that much interest in such a short of time to pay back and App and affected by XXXX Net credit is a predatory loan which I having to make payments 3 times a month on the XXXX to XXXX in the XXXX of XXXX which is unreasonable and not able
05/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75204
Web
On XX/XX/XXXX I filed complaint number XXXX XXXX with the CFPB regarding a collection account on my credit file. Per the response from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, it is claimed that this account was originally opened with Cash Net on XX/XX/XXXX but placed with their office by XXXX XXXX XXXX XXXX. Hence, and first, I am hereby requesting a contractual agreement SIGNED by me on XX/XX/XXXX for any alleged loan from Cash Net. Secondly, I am requesting documentation indication how the funds were provided to me. Lastly, I want to be very clear that the claim by XXXX is fraudulent and it is outrage that I have to deal with such fraud and my credit score has to suffer.
08/16/2021 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
  • MS
  • 38654
Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
02/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 90804
Web
I secured a loan with NetCredit with of my credit rating and potential high interest rates. Ive been making monthly payments in full and on time expecting some part it would be applied to the principal. To my complete shock, after t least 2 years, balance had significantly increased beyond the initial principal ( negative amortization ). In speaking with a representative, I was informed that nothing had been applied to the principal and random fees been attached. As no billing statement or account record is neither mailed or emailed to me and nor did any representative disclose that to me. Im a XXXX and XXXX struggling to make these payments only to get further in debt.
07/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 77340
Web
On XX/XX/XXXX and XX/XX/XXXX I received three emails claiming the loan I applied for was denied because of my credit, well the thing is I haven't applied for a payday loan with any company in over a year. When I replied to the email the company said if I check my paperwork it will tell me that they are loan provider. I didn't understand because they assume I knew about the loan but that I didn't know it was from them, I further explained I never applied for a loan well on today 's date XX/XX/XXXX at XXXX I received another denial letter about a recent loan. I asked for proof of this loan they claimed I signed and all I received was another email of a recent loan denial.
08/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63385
Web
Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX XXXX began reporting me late with a large past due balance. I was told by net credit i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.
12/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07036
Web
I was entered into a reputable debt relief program in an attempt to settle an outstanding debt with NetCredit due to severe financial hardship. The settlement agreement was dated XX/XX/XXXX and listed the agreed settlement amount and monthly payment schedule. All proofs of payments are available and can be provided. Despite the settlement agreement and accepting the monthly payments, NetCredit has been incorrectly reporting the account as Past Due with an incorrect amount. I reached out to NetCredit in XX/XX/XXXX and they refused to update the information on the account. As a result, my credit score has been tanked for whole a year due to false reporting by NetCredit.
08/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • CA
  • 91601
Web
I created an online account and supplied information including my bank information to avail of Pangea Money Transfers introductory exchange rate. I received several messages including a confirmation of my money transfer. A withdrawal was immediately taken from my bank account. However, I received another message after the confirmation earlier, asking for more information in order to complete the money transfer by calling their ( XXXX ) number. A recording said that their office is closed for the night. An email was sent this time, informing me that the money transfer has been canceled and the refund will take days to process back to my bank account. Please help.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • RI
  • 02816
Web
on XX/XX/XXXX a hard inquiry landed on my credit report for XXXX from a company called NetCredit. I called the company who had my personal information. I let them know that I never applied for any credit from them and did not want credit... they said there is nothing they can do because a request was made but didn't give me any info as to who or where the request came from ... they told me they would flag the request but they would not remove the inquiry. I let them know it was fraud but no one has gotten back to me about it. they refused to delete the request and said that they couldn't prove i was correct over the obvious thief of my identity. Shame on that company!
05/26/2015 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 450XX
Web
XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. Is a debt collector permitted to call any number he so chooses??? Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. Is it not my right to know whom I should pay?
07/26/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63114
Web
I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX if they try to file something. Whatever, I will go to court. I didn't make the loan.
04/22/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44118
Web
A " company '' referred as the XXXX group is constantly calling my phone and my parents phone from XXXX different numbers in XXXX different cities stating that I owe a debt from XX/XX/2010 that was paid off two weeks after taking it out. The gentleman on the phone told me he did not care if I had to pawn me and my children 's valuables try needed the money. No matter how much I told them I need this in writing and that the loan was paid they threatened to garnish my car wages and bank and I was being sued in civil court for fraud. I told them that there is proof and I needed an address for the company to get this all straightened out and was refused that also.
01/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53090
Web
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ). I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
08/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • UT
  • 84074
Web
Ive had this loan over a year the original interest rate wasn't that bad. But they offered draws on the loan. To which I agreed, and over the course I'd taken maybe 5 draws. Well I started reading online that each draw was costing me 299 %. I KNOW IF that was disclosed I never would have done it. I wrote a letter in XXXX asking the company what I could do. The manager leaves an angry voice mail. The next day they remove {$450.00} from my account. Plus the initial payment of {$180.00}. Then again in XXXX they do the same thing. I'm a single full time XXXX. They refuse to send a copy of the contractvi signed. And refuse to show me a list of all transactions.
02/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 301XX
Web
Good Day On XX/XX/XXXX I took a payday loan with NetCredit for {$9900.00} which I only received {$8500.00} due to fees. I specifically asked about how the interest was applied and why it was so high and I was told that high rate of interest would only apply if the loan payments was late, missed or default. I have made 45 payment of {$240.00} in the amount of ( {$10000.00} ) which is my principle and some interest paid but NetCredit is now telling me the interest started from day 1 and expects me to continue payments until XXXX with the total amount of {$32000.00} which surely violates the laws of interest applied as a payday lender in the state of Georgia.
10/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22193
Web
In XX/XX/XXXX, I got a loan in the amount of {$2100.00}. It is now XX/XX/XXXX and decided to login into my account to see how much principal was left on the loan and its {$2100.00}. Only {$57.00} paid to principal in the last year. Ive made all my payments on time, {$58.00} every 2 weeks. Something can not be right with this loan. I feel as though Ive been getting robbed for the past year. I do not understand. My fianc has a loan with NetCredit as well within the same timeframe. In XX/XX/XXXX, loan amount {$3000.00}, now in XX/XX/XXXX, principal is only down to {$2900.00}. Her payments are {$78.00} every 2 weeks, never missed a payment. Please help!
01/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • MI
  • 48390
Web
Very misleading, insane interest rate ( 165 % ) I needed this for a short term dental emergency and this company wouldnt approve me because my bank letter wasnt signed by a bank employee ( my bank is XXXX XXXX they dont offer that ) I provided a voided check with my previous address, my bank statement, a direct deposit letter all which contained my current address, I also had XXXX XXXX send over detailed account history as well. They now have a ton of my personal information and are refusing to work with Me. Even though I have verified my bank through means acceptable to the IRS. Biggest scam company out there. I will be reporting them to the XXXX too.
10/22/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93313
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NET CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
05/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • LA
  • 70117
Web
Net Credit - Date opened : XX/XX/2022 Amount : {$1000.00} | XXXX {$1800.00}. this account was opened as a fraudulent. I don't have any access to this account. Around the time it was open I lost my purse and all my credentials were in there even my phone. Which I didn't have a passcode due to the screen being broke and half the screen was working. I talked to the company they didn't believe me. Also my other credit cards is maxed out because they used them too since my state id was in there also. This becoming a hassle to me because I get phone calls every day from the company trying to explain but they keep saying all this information is actual.
01/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • UT
  • 84720
Web Servicemember
I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. I sent an email for clarification and they confirmed this offer. I then made an advance request. 14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • OH
  • 43214
Web
I send them a check ( {$5000.00} enough to clear my balance ) XXXX credit agency. It was sent overnight and arrived Thursday morning. I have been writing non stop emails requesting an update, the one person I spoke to on Thursday said they didnt get it yet. I have now not heard back since. I have a payment due Monday, and I am unable to remove my bank info. They refuse to credit with the check that ARRIVED THIRSDAY and will be attempting to take more money from me ( though the check clears my balance ) on Monday. I have wrote them XXXX of times and called them and begged for updates, still nothing. XXXX XXXX XXXX XXXX XXXX XXXX please.
05/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • OH
  • 452XX
Web
XX/XX/XXXX - used preapproval offer to make credit application- Net credit does hard inquirey XX/XX/XXXX - received email saying work verification documents required XX/XX/XXXX - sent all required documents XX/XX/XXXX - NetCredit withdrew my application because I didnt send documents on time. XX/XX/XXXX - started another application on advice of NetCredit customer rep. XX/XX/XXXX - sent required documents XX/XX/XXXX - NetCredit withdrew application because didnt have documents in time. Please stop NetCredit from providing credit services. They are wrongfully using my credit information without giving me an approval or disapproval letter.
11/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 706XX
Web Older American
I applied for a personal loan of {$1500.00}. It was approved almost instantly. I did not know until today XXXX XXXX, 2021 that the interest rate would be 299.? %. I did accept the loan at time of approval not knowing anything about the EXORBITANT INTEREST RATE!!! I have spent most of the money on medical bills as I am XXXX XXXX XXXX. I want to pay back the money I borrowed. I just can not afford to pay back the way CASHNET USA says I have to pay. I want to send a copy of the account information for me but do not know how to include a photo MY NAME IS XXXX XXXX XXXX XXXX XXXX Can you help me in any way? I did not know that this was legal
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85741
Web
I was out of town for awhile with no service for hunt, i get back to town and find theres a inquiry on my report from a company i have never heard of and have no association with.Inquiry was reported on XX/XX/2023. I didnt see it till XX/XX/2023. I looked into the company and its a loan company. I worry that someone has my information and is trying to get a loan under my name and crash my credit score. I talked to my bank and got fraud alert set up now for my report. They recommended i get ahold of XXXX XXXX which i did and they said to get a report from you and they will take care of the inquiry on my report. Company name is NetCredit.
08/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • XXXXX
Web Servicemember
Loan Summary ( Loan # : XXXX ) View contract Loan Status Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Thursday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Tuesday, XX/XX/XXXX Next Payment Amount XXXX Today I made a payment of {$2000.00} and I was told by the agent that I still needed to pay {$2800.00} to payoff this loan. This company is a ripoff. I have already paid over {$6000.00} for a {$3300.00} loan. I would like for the account to be paid in full for the loan principal remaining which is {$1100.00}. Im not paying anything other than that.
09/12/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20910
Web Servicemember
I paid Cashnet usa on XX/XX/2018 in an attempt to try and pay the loan down. Cashnet USA agreed that they would lower my payments to {$30.00} a month because I requested a readjusted payment schedule because I only get paid once a month and they have my updated bank statement to validate. They refused to accept the new payment arrangement and and they keep calling me and harrassing me for the full amount when they already know that I do not have the money and they keep tacking on interest so I will never be able to pay the loan back or it will take a long time to repay the loan. They are demanding that I pay what I dont have at this time.
03/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • OH
  • 45342
Web Servicemember
XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX
08/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • DE
  • 197XX
Web
Cashnet payday loans allowed a loan to be processed in my name without consent to be deposited in a XXXX XXXX account not in my name. If I did not have XXXX I would have never know. Cashnet and XXXX XXXX failed to verify any approvals by me personally. I have spent hours trying to rectify but I am having problems getting a police report to CashNet since this was online crime and Cashnet requires this. My credit score dropped almost 200 points. This is causing me great anxiety and it still not rectified. It appears that CashNet has no interest in rectifying this and that they must benefit show how as the middle man despite it being fraud.
12/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 24540
Web
XX/XX/XXXX I wrote a letter to NC Financial about information on my XX/XX/XXXX credit report that is inaccurate. I told them that I have never had an account with them and the debt is wrong. I also asked them for proof that the said account was mine showing some type of contractual obligation that I have with them. I received nothing from the company nor was there an acknowledgement of the dispute on my credit report in 30 days. This is a clear violation of the Fair Debt Collection Practices Act Section 807-8 and a violation of the Fair Credit Reporting Act Section 623-a-3. I just wanted the item removed from credit report immediately.
06/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 647XX
Web
I got an online loan when i was desperate. No one goes over the actually cost and fees, i have paid almost the full amount of the loan and yet the loan has only gone down luke XXXX. I got the loan XX/XX/2016 for XXXX. I have paid about XXXX. On it and yet I still owe XXXX. There is no way i can get out of this loan ever. I feel it is unethical law of business. I feel this should be illegal and the loan washed. I would have no proble paying the remaining balance of What I owed but I can't live or survived paying this. Loan sharks should be illegal. I didnt even physically sign and I swear it did not say i would be paying twice the loan.
05/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 91784
Web Older American
I am a XXXX year old retired woman and I really need your help, back in XXXX I paid these people over {$2500.00}, for a illegal and unlawful transaction that evades states USURY INTEREST RATE LAWS ..by CASH NET USA, XXXX XXXX the USA attorney sued them and won in federal court. I paid these people over {$2500.00} in XXXX on a {$2600.00} transaction I paid these people their funds ... ..On XX/XX/XXXX I received a note from another USURY INTEREST COMPANY stating that I owe them {$4300.00} This company XXXX, XXXX XXXX XXXX ( Ph # XXXX ) I do not owe these crooks ANYTHING. Please Help Me ... ..Cash Net USA ... XXXX File XXXX file # XXXX
05/19/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30052
Web
On XX/XX/23 Net credit reported to XXXX and XXXX an outstanding debit of {$8300.00}. On XX/XX/23, a payment of {$8300.00} was submitted to NetCredit via debit card, over the phone with NetCredit agent, to satisfy the debt. Monies have cleared my bank account and have not been returned by NetCredit. A dispute was submitted to XXXX stating debt was paid in full. According to XXXX, on XX/XX/23 NetCredit reported the debt as still outstanding and my dispute was closed stating amount still owed. I spoke with NetCredit rep XXXX on XX/XX/23, he stated he would note account with my concern and credit bureau shouldve been notified of change.
05/30/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 38125
Web
repeated phone calls in which I do not know this company nor have any ties to this company ( CashNetUSA ). XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX voicemail no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX I texted them that I am on the Do Not Call list and ask them to stop calling me
08/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NM
  • 87107
Web Older American
On XX/XX/XXXX received an email from XXXX XXXX They monitor my credit report and informed me that some negative information had been posted to it. I called the collection agency, XXXX, indicated in the XXXX email and was given the following information : Loan Amount : {$1700.00} Loan Date : XX/XX/XXXX Loan Issuer : The Check Giant NM LLC d/b/a/ CashNetUSA, XXXX. XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX I was XXXX The home address used was one that I had not been living ay since XX/XX/XXXX, and telephone numbers were from a completely different State. I have reported this Identity Theft to the New Mexico State Attorney.
10/31/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93722
Web
TODAY XX/XX/2020 1 APPLIED FOR AN AUTO LOAN AND UNFORTUNATELY WAS LOAN NOT APPROVED BECAUSE WHEN THEY RAN MY CREDIT. I WAS TOLD THAT THERE WAS AN ACCOUNT IN DEROGATORY STANDING ON MY REPORT. I DON'T KNOW WHAT THEY ARE TALKING ABOUT SO I LOOKED THROUGH MY CREDIT REPORT MYSELF AND SAW THE ACCOUNT THAT DOES NOT BELONG TO ME. THE ACCOUNT IS NET CREDIT-XXXX .... {$7300.00}. I DID NOT OPEN THIS ACCOUNT AND I DID NOT ALLOW ANYONE TO OPEN IT IN MY NAME USING MY PERSONAL INFORMATION. I DID NOT BENEFIT ANYTHING AS A RESULT OF THIS ACCOUNT BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANY
04/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 90044
Web
I received a personal loan back In XXXX for XXXX. Starting in XXXX they would be taking XXXX every two weeks of the month. On today XX/XX/2020 I contacted net credit to get a extension and to let them know that I was laid off because of the coronavirus and I won't be able to pay until I start receiving my unemployment check. I ask how much I owe on the loan she told me XXXX. I said wait they have taken approximately {$800.00} from my account since XXXX to XXXX how is it I owe more than I borrowed and I haven't missed a payment she said that they were charging me 96.6 interest, I told her this is illegal and I was reporting this.
07/07/2016 Yes
  • Payday loan
  • Can't contact lender
  • VA
  • 22310
Web
I feel that the interest charged on my account is incorrect because although I make payment outside of my normal due date, it takes DAYS to be credited and interest is charged during this time. As a result of this, I tried to pay my account in full using a credit card because it is supposed to be posted the same day. When I enter my card information, I receive an error and told to call a number. I called the number several times and it is an automated loop. I called another number which is for " alternate ways to make payment '', I am kept on hold for unreasonable amounts of time. I just want to pay this account off and be done.
02/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 23513
Web
In XX/XX/2019, a loan was taken out for {$1000.00}. I became homeless and jobless. I was struggling to pay back my loan since the bi-weekly payments were so high, and I had little income and no safe place to sleep, and struggling to keep myself alive. In XX/XX/2019 I contacted CashNetUSA because the e-mail O received said that they could reduce my owed debt down to the original loan amount- {$1000.00}. The representative said that if I was able to make a payment that day, that they would reduce it. They have not reduced it, as promised they would, and now have sold my account to a debt collector with the incorrect debt amount.
02/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22406
Web
Good evening, I am writing because of an ongoing dispute I am having with a collection of which I have not enough information, despite asking for this information on numerous occasions in accord with the FCRA, FDCPA and FCBA. The collection appears under the name Net Credit and is listed on my consumer credit files. All my disputes have been ignored and no such paperwork has ever been provided. It would make sense since this is not mine but the company refuses to remove it. i am asking for assistance in this matter. I am asking that this agency please assist me in correcting this wrong and holding this company to account.
10/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • HI
  • 967XX
Web Servicemember
I took this loan out of {$3000.00} when I was desperate and needed it to pay rent or be evicted. The interest rate was % 167. When I took the loan out I asked if I could pay off early with no penalty and was assured this would be the case. I paid the loan on time as agreed but when I called and asked to pay it off early they lied and did something shady but I cant quite figure what they did. I received a notice from the IRS stating they claimed a loss and that I owe the irs now {$600.00}. I never asked to settle the loan and was never 1099d. I just asked what the pay off amount was. I paid it off and now being charged again.
11/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85335
Web
This company has been paid in full through XXXX debt settlement for the amount they agreed to settle at. However, instead of showing this on my credit report, Net Credit is claiming I still owe them money in the original full amount which is completely false. I can get the XXXX credit repair service involved if needed. Net Credit has refused to update this information that they signed documents agreeing to with XXXX. I have been making payments to them for months through XXXX and they have lied about being paid the full amount of the settlement. I have a document from XXXX debt settlement I would like to attach if possible.
02/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 201XX
Web
On XXXX I took a loan from NET CREDIT. They directly deposited {$3800.00} into my bank. To date XXXX I've made 53 payments totaling {$5200.00}. The amount owed as of XXXX was {$3600.00}. The maturity date of the loan is XXXX where the total amount will be {$8900.00}. With a 235 % interest rate. That was not disclosed to me. This was the second loan I used NET CREDIT for. I paid off the first loan early so I didn't see any outrageous interest. I read an article that named them as the worst lender in VIRGINIA for over charging in hidden interest. They apparently don't disclose the total amount at maturity with the interest.
02/07/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 240XX
Web
Borrowed {$600.00} dollars from cash net usa. My understanding was I would make XXXX payments then I would be done. But, they are charging excessive fees and interest that equals {$610.00} XXXX of XXXX : {$600.00} Outstanding Balance :? {$610.00} Available Credit : {$100.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$180.00} Scheduled Payment Date : XX/XX/XXXX I have already made XXXX payments {$140.00} and {$220.00}. {$610.00} is excessive for borrowing {$600.00} dollars. How can this be legal? It is unfair treatment. I live on XXXX. and {$600.00} is almost the amount I receive every month. {$890.00}
09/13/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19138
Web
This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when Net Credit ( try to collect ) as of XX/XX/XXXX XXXX. CFPB Reference Complaint NumerXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( XXXX XXXX XXXX I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft
08/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • ID
  • 83706
Web
My name is XXXX and last XXXX I got a new phone number. The person ( XXXX ) who had this number before me has had numerous debt collectors looking for her, cash loan companies who text and call all day long. I called Cash Net USA and asked to be removed from their list since I am not the one who has/had a loan, and they refused to remove me. I get calls all day long and voicemails everyday from them. I want it to stop immediately. Every day I get an 11-20 second voicemail asking me if I want to claim the money I have been approved for. I have blocked the number on my phone and still get 5 calls minimum a day from them.
10/31/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 672XX
Web
I obtained a loan with cashnetusa. XX/XX/XXXX. XXXX was delinquent. Loan PAID IN FULL XX/XX/XXXX. XXXX has refused to remove item from credit report. Claims debt was sold to XXXX party. Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX contacted : XXXX XXXX XXXX. Claims no knowledge of debt. XXXX has filed collection on crefit reports with XXXX and XXXX. After several complaint filed with both agencies, XXXX claims they are original holder of debt. XXXX and XXXX refuse to remove item from credit. Recently reported as XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
06/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75071
Web
My information was used to obtain a loan from NetCredit without my knowledge. The money was deposited to an account in the name of XXXX XXXX. I spoke and it was agreed that I was not responsible for the loan and it showed a XXXX balance on my credit report. They didn't totally remove it because I didn't want to press charges because I didn't want to ruin the man 's future. The loan was recently sold to XXXX I informed XXXX of the circumstance and they said they didn't care. How can possibly owe a 3rd party for a debt that was forgiven by the original creditors with no signed application and I never received the funds?
10/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WI
  • 547XX
Web
I originally got a XXXX line of credit thru cash net usa I borrowed XXXX from that line of credit I have paid back XXXX as of today XX/XX/2019. They still show I owe them XXXX. When I called them to ask where all the other money I have paid is at cause it's not reflected in my balance they told me XXXX of my payment of XXXX was interest. No place when I took out my line of credit on my phone told me the interest rate. I subsequently revoked my authorization for ach payments from my checking account. I feel this is a insane price to help someone who needed it. I will never use them again or suggest them to anyone else.
09/30/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • XXXXX
Web
I have been receiving phone calls from a company called CNU and the representative is XXXX XXXX. I believe it is a debt collector, but they will not explain the issue in the voicemail. This company continues to call EVERY day of the week and they will call my work phone twice before calling my cell phone. I do n't know if this is even a debt that belongs to me, but I would prefer a letter in the mail and it be my option to contact them. I do NOT need them harassing me at my job everyday or on my cell. It is embarrassing and annoying. This has been continuous for the past two months XXXX or longer ) ; enough is enough.
01/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 935XX
Web
My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX representative has been unable to get ahold of anything at XXXX either to get this resolved.
09/01/2023 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
  • CA
  • 90405
Web
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/18/2018 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
  • WI
  • 53224
Web
I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
06/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • 354XX
Web
I have received a line of credit of {$1500.00} from cashnet USA. They was charging interest on my account everyday until it got up til {$1900.00}. My first payment of almost {$200.00} did n't go towards non of the loan. My next payment of {$280.00}, they charge {$160.00} in interest the rest towards my principles. They take {$290.00} out of my account every XXXX weeks. So they are charging extra interest towards this loan. My balance as of today is {$1700.00}. If I make the payments accordingly to how they are taking the money out of my account, I will pay them over {$3000.00} for a {$1500.00} advance credit loan.
08/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91202
Web
This complaint is in reference to XXXX XXXX Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. The letter was sent to : XXXX XXXX XXXX, XXXXCA XXXX Listed Adress on the record : XXXX XXXX XXXX, XXXXCA XXXX
06/20/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 90047
Web
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017
05/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 86301
Web
The XXXX XXXX and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the XXXX XXXX is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up
02/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 218XX
Web
I am currently unemployed and experiencing XXXX hardship. I have a loan through Netcredit in the amount of {$1300.00}. I originally took out this loan in 2020 and have made of {$4000.00} in payments. I contacted Netcredit via email and phone in XXXX and XXXX to discuss my account details. After speaking with XXXX different people, including to a XXXX, they were unable to tell me the total amount of payments Ive made towards my outstanding balance. I know that I have paid well over the amount of the original balance. I would like for the remaining balance to be waived and my account to be closed permanently.
07/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22310
Web
By advice of an assistant attorney general of Virginia I am submitting my complaint for predatory lending. Net credit made it unclear upon agreement the payment amount was biweekly and that the interest rate surpasses the usury cap of 12 % for the XXXX of Virginia. I am currently a complainant in a case against the XXXX of Virginia Vs. XXXX XXXX which is being actioned in XXXX XXXX circuit court. This complaint is that XXXX XXXX has no legal authority to bind Virginia citizens to usury caps above 12 % when they do not have a license to operate in the XXXX of Virginia even with a binding arbitration agreement.
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94531
Web
Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with XXXX and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.
05/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • AZ
  • 85741
Web
I have someone using my social with my maiden name XXXX. I am XXXX as of XX/XX/XXXX. They have tried to open checking accounts with XXXX XXXX XXXX and XXXX XXXX. I have filed fraud with them. This happened on XX/XX/XXXX. I filed a police report on XX/XX/XXXX. Case number is XXXX.On XX/XX/XXXX I had a credit card opened in my name with NetCredit. I contacted this place and got the run around that I needed a new police report. I called and made another one with XXXX XXXX sheriff. I froze my credit with the bureaus except XXXX stated I didnt file in time for that so they wont remove any hard inquiry in my name.
07/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AL
  • 35244
Web Older American
This loan is too expensive and they want me to pay bi-weekly. Right now my payments are $ XXXX bi-weekly. I don't care about ever borrowing from the lender ever again, I just want a low monthly payment of {$150.00} a month. They won't work with me on this. Going forward I'm demanding they stop with the automatic payments and just go ahead and turn this over to a collection agency then I can work with them on making a {$150.00} a month payment. If I have to close my account, which I really don't want to do or shouldn't do, then I will. I can only afford {$150.00} a month, but they won't work with me on this.
02/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92868
Web
I received an installment loan of {$2600.00}, I made payments of around {$280.00} every 2 weeks. I recall all of the payment amount going to ONLY the interest. I paid on time for about 8 or 9 months, totaling to a little over {$5000.00}. I could no longer afford the payments with their predatory interest rates. I defaulted eventually. So I called to try to settle the account and they did not accept my settlement offer, and wanted 50 % of the balance that is now over {$4000.00}. I believe they are a predatory lender with their ridiculously high interests rates. As, I've already paid double what they lent me.
05/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30519
Web Servicemember
When i signed this loan I was told my payments would be due on the XXXX of each month, starting XX/XX/XXXX. The company has withdrawn the balance due directly from my account on three occasions, several days BEFORE my payment is due. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Taking money out of my account days in advance of when it is due causes a hardship. The company has responded that this is their regular processing and is a matter of timing considering some banks don't release the money right away when a request for a payment is made. I want this process of taking money out of my account early to end.
03/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 650XX
Web
Thankfully, I read the small print first... These companies, typically found through websites like XXXX XXXX or XXXX XXXX, are taking advantage of consumers. These lenders, i.e. NetCredit, XXXX XXXX etc., are charging up to 149 % interest or more! As if that wasn't bad enough, it targets consumers, like myself, who are struggling financially already. Many of which whom can't get a loan anywhere else due to their credit history or credit score. It's sickening and frankly, I am appalled that the government even allows this! It is disgusting. This is a serious problem that needs to be addressed immediately.
09/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MS
  • 39503
Web
ON XXXX XXXX, XXXX, I CONTACTED CASH NET USA VIA EMAIL CONTACT. MY STATEMENT/QUESTION TO THEM WAS AS FOLLOWS : " WHY DO I KEEP/CONTINUE TO RECEIVE LOAN PRE-APPROVED OFFERS VIA MAIL? I CURRENTLY HAVE A PAST DUE LOAN. I AM EXPERIENCING FINANCIAL HARDSHIP AND DO NOT KNOW WHEN I WILL BE ABLE TO REPAY THIS LOAN. I DID NOT REALIZE AT THE TIME OF APPLYING THAT THE RATES WERE SO EXTREMELY HIGH! I AM ALMOST PAYING DOLLAR FOR DOLLAR FOR THE AMOUNT I RECEIVED. IF I DO NOT QUALIFY FOR ANY ADDITIONAL OFFERS, PLEASE STOP SENDING OFFERS TO ME. PLEASE REMOVE MY NAME OFF OF THE MAILING MARKETING LIST. THANK YOU KINDLY. ''
01/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70508
Web
From : NetCredit XXXX To : XXXX XXXX Today at XXXX XXXX XXXX, Here 's Your Personalized Payment Arrangement NetCredit Our Plan Can Help You Dear XXXX, Account # : XXXX Since you have not paid your past-due balance, the remainder of your loan is now due. Call the NetCredit Support Team at ( XXXX ) XXXX to accept this arrangement or make a payment. We understand your finances may have been affected by COVID-19. If you're experiencing financial hardship, please reach out to us so we can work with you to figure out a solution. Our NetCredit support team is here to walk you through options specific to your
05/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 94590
Web
I was contacted by Netcredit regarding a personal loan to help rebuild my credit. At the time I thought it was a good idea and I could handle the payments of the {$3200.00} loan. Shortly after I was laid off from my job and no longer able to make payments. I started working with a debt consolidation company and paid back about {$1500.00}. The debt consolidation company wasn't paying my bills on time so I discontinued using their service. Now when I look at my credit report it shows I owed over {$3000.00} and the interest is 132.99 %. I feel like this is predatory lending and they took advantage of me.
08/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MI
  • 49418
Web Servicemember
XXXX apprivwd me for an installment loan on XXXX XXXX for funding next day on XX/XX/XXXX. I checked account and no deposit so I singed in and it started loan rescinded with no explanation. They denied me before for unable to verify identity but I spoke to them during application process and verified it. So when I got approved I thought it was good. I called and the woman couldn't give me information on what it was rescinded, she would not try to help me at all and says they emailed me reason but they did not. I have asked for a manager or loan officer to call me and discuss and they ignore my request
03/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20910
Web Servicemember
Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money
11/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • LA
  • 704XX
Web
I applied for a line of credit with net credit and the creditor have used adverse action against the consumer ; revocation of financial extension of credit in substantial terms requested. Creditor did provide risk based pricing notice and said the determining factors listed were reason for denial. -XXXX XXXX Risk View Score Request -XXXX vantage score -XXXX Auto Origination Score. It is with unfairness exercised, for a creditor to base these factors from I, the consumer with respect to my credit profile which contains status of accounts that are under investigation and should have been removed.
04/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OH
  • 454XX
Web
I borrowed XXXX from this company it was credited to my account XX/XX/2022 and the initial payment was about XXXX per month I asked for an extension in XXXX and they Debited my account twice in 24 hours leaving me with a negative balance of {$400.00} because I had other bills coming you, Now because I am struggling to pay back they are now saying that I owe, XXXX when the original amount was around XXXX with the fees I am a struggling mom of four and I really need them to fix this so I can not have this debt hanging over my head, I filed a complaint with the BBB and I did not get anywhere with them.
11/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 37013
Web
Since XX/XX/2015 I started making a small loan from CashNet USA in order to help me get back into my XXXX from being off during the XXXX. I borrowed a total of {$500.00} over 3 months, but now after paying back on the loan every two weeks ( when my checks come ) in I 've payed back over {$530.00} but still owe {$530.00} with % 275.85 interest. It is almost impossible to pay back the loan since the interest is so high. I did n't realize this when I took the loan nor did I read my statements until I realized that what I was paying every two weeks was being absorbed as fees and interest on the balance.
04/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95377
Web
Net Credit sends information out in the mail advertising loan consolidation and such. They offered {$9500.00} and ACH. On the initial conversation they set up a ACH. And it seemed fine. Just recently I was going over my credit report and noticed my principal has hardly gone down wit {$600.00} per month payments. I contacted the company and they sent me a contract for 64 % interest rates amortized for 60 months. With a total payout to them for {$32000.00}. I would have never agreed to this! There are plenty of normal products out there with reasonable rates. This is crazy! Best Regards XXXX XXXX
02/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30294
Web
I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint. The last complaint ID is XXXX
09/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22315
Web Servicemember
In XX/XX/XXXX I applied for a loan with NetCredit. I received a loan in the amount of {$8600.00}. For the next XXXX years I made payments of {$220.00} every two weeks until I stopped in XX/XX/XXXX. I made payments totaling {$11000.00}. No additional charges or funds were received from NetCredit. Currently, NetCredit is trying to collect a remaining balance of {$10000.00}. This a a predatory loan and it is unethical for me to pay over double the amount borrowed. I do not feel comfortable, morally or financially, continuing to pay them. Because of this the account is negatively impacting my credit.
07/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29303
Web
I am making efforts to repay this high interest for a {$800.00} loan. They decline my previous offer for a {$50.00} monthly repayment schedule. I offer to pay {$50.00} per week effective XXXX XXXX, 2017. I am still searching for employment, a job offer has not been extended to me. If I get hired for a position at a financial institution, the job is scheduled to start Wednesday, XXXX XXXX, 2017. It appears that CashNetUSA is refusing to work with me. I have been unemployed for over 6 months. Until I can get a earlier start date, this is what I have to work with and to avoid bankruptcy proceedings.
06/16/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WI
  • 53703
Web
i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). XXXX notice last month was for {$990.00}. XXXX notice yesterday was for {$3800.00}. do I need to do anything
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55033
Web
I have no knowledge about this loan. I have tried to dispute on several occasions with no avail. I suffer from a XXXX and had my phone hacked, I have no knowledge of this predatory loan. I have since changed my telephone number and got a new phone, and practice much safer online principles. I reported the issue to my bank, issued a stop payment immediately and submitted several disputes. This account was opened fraudulently, I am struggling financially, and with my XXXX and this creditors predatory record I do not feel safe and am now financially insecure after a substantial long credit rebuild.
03/26/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07203
Web
Sometime within the past year I applied for an account with NetCredit and was approved for a credit line of {$3800.00} which I never accessed due to extremely high interest and finance charges. In XXXX I discovered that my XXXX credit report indicated the line of credit was open and reporting a balance of {$4600.00}. I never requested advance of the account fund, never received funds to my bank account, and became unable to access my account online. I have disputed the account with the credit bureaus, filed an identify theft report with the FTC, and contacted the company directly with no result.
06/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33467
Web
XX/XX/2021 I got a hard inquiry on my XXXX credit report From a company named NETCREDIT/XXXX Never heard of this company Never applied for a loan I was at work all day from XXXX to XXXX Tried calling this company Can not get through to anyone Tried looking it up Looks like its a high interest personal loan company Would never be interested in a company like that Also called XXXX The said there is nothing they can do Cant take my word for it Ive tried so hard to get my credit up and stay in good standing Had identity theft about 5/6 years ago with the IRS this makes me very nervous Please help
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84118
Web
Net credit is reporting a good standing account on my credit as a collection. I have had this account for years now and have been making payments on it and it is current and in good standing. I however, recently checked my credit and noticed that this account continually affects me because it reports as a collection. This is ridiculous, I am actively paying on this account and it is a loan. I do not owe the lump sum of the loan right away, I am paying it off like anyone would with a loan. Net credit must report this account accordingly as a loan not a collection. This must be fixed immediately.
11/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • IL
  • 61761
Web Servicemember
I got a call from XXXX XXXXXX/XX/XXXXin XXXX, IL stating I owed Cashnet USA a debt from 8 years ago. I remember the debt but dont remember if it was paid as I owed one other payday loan company as well. I was going to pay the debt but they claim to have had system issues and would call me the next day. I got suspicious when I didnt get a call and looked up the company online and found nothing. They have since called my mother multiple times and Im not sure how they got her number. Theyve also been calling me at least 5 times every morning. Ive received no official statement saying I owe a debt.
10/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 714XX
Web Servicemember
I HAVE A BILL FROM CASHNETUSA FOR XXXX. I HAVE NOT TAKEN OUT ANY LOANS FROM THIS COMPANY. I CALLED THEM AND GAVE THEM MY NAME AND THE ACCOUNT NUMBER OFF THE BILL XXXX AND COULD NOT GET ANY INFORMATION FROM THEM. THEY WANTED MORE OF MY INFO AND I REFUSED TO GIVE THEM ANY AS THEY HAVE MY NAME AND THE ACCOUNT NUMBER TO USE FOR REFERENCE. THIS IS ALL THE INFO I CAN GIVE, AS THEY REFUSED TO GIVE ME ANY UNLESS I GAVE THEM MORE OF MY INFO. I HAVE NO BUSINESS WITH THIS COMPANY, SO I DO NOT KNOW HOW THEY THINK I OWE THEM MONEY. I THINK I DID A FBI SCAM REPORT LAST TIME I GOT A LETTER FROM THIS COMPANY.
07/20/2022 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
  • Their investigation did not fix an error on your report
  • LA
  • 70560
Web Servicemember
i had a loan with net credit acct # XXXX in XXXX of 2020 i caught XXXX, i was in XXXX for XXXX XXXX before comming home. i was home for another four months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by XXXX XXXX during covered period. that lender must report account as current to credit reporting agency, clearly this was not done
05/21/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22980
Web Servicemember
When I found out XXXX XXXX was taking loans out online in my name using my social security number ( she's my biological mother who is a criminal and was stripped of her parental rights ) I filed an identity theft report with the FTC and my local police station. I then got copies of my credit reports and sent documentation to the places where she had gotten loans. I spoke with representatives from these places over the phone as well. Cashnetusa said they would mark the account as fraudulent and remove it. I just received a letter from a collection agency trying to collect payment for that loan.
04/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MS
  • 39047
Web
I received a call from an unknown number stating that they had a courier in my area and I would receive a delivery today that requires a signature at my residence or place of employment and to make sure I had a valid form of identification. They told me if I was not going to be available or have further questions to contact XXXX. Called back and was harrassed, given my personal info such as SSN, place of employment was 10years old and business nameand he told me my driver 's license would be suspended and bank privileges revoked due to a loan from XXXX I have never received a loan from them.
01/29/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77301
Web
Payment was scheduled to hit my bank account on a certain date. I went onto their website and extended the loan which required a payment of {$50.00} which I paid. They then claimed I was past due and in default and referred me to the debt collection department who demanded I make payment arrangements which I did. I made the first payment. They then charged me a late fee which I paid. It has not even been 7 days since the last payment and they are already saying I am past due when my next payment is not even due until XX/XX/2020. I have gotten loans from them for years but never again.
08/10/2021 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33311
Web
XXXX XXXX XXXX is trying to collect a debt from me on behalf of Cashnet USA. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.
01/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 66047
Web
I was contacted by XXXX XXXX from XXXX XXXX XXXX on XX/XX/2020 in an attempt to settle debt from CashNetUSA for the total amount of {$870.00}. I agreed to pay {$320.00} on XX/XX/2020 and then make payments of {$150.00} beginning on XX/XX/2020 until the debt was payed in full. They have now taken {$390.00} more than I agreed to pay for. The payments in my bank statements are under XXXX XXXX XXXX XXXX RF # XXXX XXXX XXXX NY. Every time I try to contact them, I am told to leave a message but I am never contacted back. I know they are taking advantage of me but I dont know what to do anymore.
06/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 71291
Web
I submitted a pay off check which is what THEIR system indicated balance was and once they received my check they said that was not my payoff balance. I am tried Mutiple times to get this straight but they not want to work with me. They provided incorrect account balance on their system. They made the pay off process very unclear and confusing. I feel like I have been treated unfair, now my credit is being reported negatively. This has been the most painful process and company to work with. My check was returned and they are STILL charging more interest when I tried to pay off this loan.
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94112
Web
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) Netcredit
02/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NV
  • 89117
Web
On or about XX/XX/2018 I took out a XXXX dollar loan with the company. I was told I could make it in payments of up to XXXX. I asked to have 1 payment pushed back and I was allowed to. I am unable to do any more deferments on the payments owed. The total amount owed is XXXX even after after having the loan for less then a day that is the total amount owed period. Even if I changed my mind on taking this loan out they then would have had me pay a total amount of XXXX no matter what. I am unable to pay this balance off in the needed time frame, and they are not willing to help me anymore.
03/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MO
  • 640XX
Web
I paid off the Loan yesterday XXXX/XXXX/2016 and today I when I look at my bank account I find that they took the pay off payment twice. When I called them I was told that I set it up to pay if off twice. Which I did not do. I was told that it could take 10 to 14 days to get the overpayment back. When I asked about all the overdraft charges I was told that they would not refund them as I 'm the one that set the payment up twice. When I asked to speak with a manager I was put on hold and then hung up on. I have tried calling 3 time this morning and have gotten nothing but the run around.
10/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53090
Web
I lost my job in early 2020 as a direct result of Covid. I contacted NetCredit to make arrangements to skip payments in XX/XX/2020, XX/XX/2020 and XX/XX/2020 seeking relief under the CARES Act. Such permission was granted but unfortunately NetCredit still reported the missed payments to all three credit bureaus. I have contacted them on three different occassions and am told that 'accurate missed payments ' can not be removed. I am not disputing that the payments were missed - I am disputing NetCredit 's role in not accurately reporting that my credit was protected under the CARES act.
06/14/2021 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
  • Investigation took more than 30 days
  • GA
  • 306XX
Web
In XX/XX/2021, I pulled my credit report from XXXX and XXXX and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX XXXX to validate this debt. I never received a written response to this inquiry. After not receiving a response, I disputed this information with XXXX and XXXX directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
04/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 368XX
Web Servicemember
I took out a loan with Net Credit on XX/XX/2018 for {$6400.00} and I have paid all of the {$6400.00} with the exception of {$850.00} and they are still trying to collect another {$6400.00} over and beyond what I should have paid in interest fees, and to make matters worse they do not show any of the monies I did pay on the account and they have 3 charge offs on my credit file for the same exact account. Of course I have my banking records which clearly indicate all of the money taken out of my account every two weeks which will prove I am telling the truth. My contact is XXXX XXXX XXXX
04/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92129
Web
I received Solicitation either US Mail or Email for personal loan as I was having financial distress and needed cash fast. My original loan was made on XXXX XXXX in the amount of {$3700.00}. As of today, XX/XX/2020, I have paid {$2800.00} into this loan. When I asked NetCredit what my pay off balance was as of today, XX/XX/2020, they told me my balance is {$5300.00}. The interest accrues daily. How is this legal and NOT a predatory loan? I am concerned that I am unable to pay back XXXX in the near future and will continue to fall into deeper debt. Please help me. Thank you,
08/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92405
Web
On XXXX a was given an option to settle the account off by XX/XX/2018 in the amount of XXXX by agency who collects the money for XXXX XXXX ( XXXX XXXX ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.
01/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 33611
Web Servicemember
I received an email from cashnetusa regarding a payday loan that I was supposedly approved for on XX/XX/2019. I never applied for this loan nor did I approve any money to be sent to my checking account. The {$250.00} was deposited into my account on XX/XX/XXXX - again, I never requested nor approved any such transaction. I emailed the company on XX/XX/XXXX stating that this was a fraudulent and unapproved activity and they told me I had to file a police report before they could do anything. I did not file a report with the police as that does not seem like the right Avenue to take.
04/27/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70810
Web Servicemember
I have disputed this account and reported it as fraudulent account open in my name I advised them that I am a victim of identity theft and have been dealing with fraudulent accounts open in my name, on XX/XX/2023 I received a called from a collection company claiming to be a lawyer for Netcredit and they are attempting to collect on their client behalf. He told me that he see the notes on the account and that if I dont pay they going to sue me and from the looks of it Im not going to do anything. I ask them for the company number that their representing he wouldnt give me the number
06/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30005
Web Older American
Contacted NetCredit for XXXX in XX/XX/2018. At the time was never disclosed of interest rate of 59.75. To my surprise I had benn making payment of {$140.00} and noticed loan amount was going up instead of down. They are totally ripping me off. Never told me that they would be debiting my account twice a month. I borrowed {$3100.00} and have paid a {$1000.00} dollars toward account and balance says XXXX. Had I of been told upfront was a payday loan I would of never taken loan. NetCredit took advantage of a XXXX year old woman who supports herself with a 59.75 % interest. Please help.
08/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22485
Web
I took a personal line of credit ( payday loan ) out from this company and have been trying to setup a payment plan for my balance with no help. This company is charging me 299 % interest on a {$850.00} loan and they have a daily interest rate which every 14 days is costing me almost {$100.00} in interest. CashNetUsa is robbing people from their hard earned money. Something has to be done about the outrageous interest rates they charge. I have paid over $ 600+ in fees and interest already this year on a {$850.00} line of credit this is beyond a good company this is a scam and fraud.
05/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30076
Web
I applied for and received an XXXX dollar loan from Net credit. I had just had a XXXX XXXX and needed money to help pay the hospital bills. I was in a very bad place and did not throughly review the documents. I was unaware that the interest rate being charged was 59 %! Which is absolutely outrageous. I have made numerous payments since XXXX and my principal has not declined. My FICO score was XXXX at the time of the loan. I am now aware of my situation and what to payoff this debt but the company is not cooperating. If this is not predatory lending..it certainly should be!
06/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit limit changed
  • AL
  • 35405
Web
About the time the pandemic started, netcredit suspended my line of credit despite my having paid 1000 % the required payment. The company emailed me, while having a perfect payment history, that my line of credit was suspended due to the pandemic, yet didnt offer a reason my line was being suspended. I contacted them. They said in not so many words, tough, you still owe XXXX XXXX Since they did that, I suspended their ability to draw out of my bank account. Afterwards, they made making a payment XXXX near impossible. They also gave relief to COVID affected customers but not to me.
05/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79912
Web Older American, Servicemember
I have lived in this house and have had the same telephone number since XXXX, XXXX. I do not have any debt. My home has been completely paid since XXXX, I don't have any other debts ; I pay my credit cards in full every month. XXXX has been calling my house off and on for the last three years. I have spoken to them and the calls will stop for a couple of months ; then they will start again. Please have these type of people stop bothering honest people like me. I am XXXX, old and with the phone ringing 10 to 15 times daily ; it's very hard to keep up with these scammers. Thank you.
12/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 378XX
Web
I requested proof of debt via credit bureaus when this appeared on my account. The company ( XXXX XXXX ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with cashnet. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.
06/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94122
Web
I am disputing the following account : Net Credit. Account # XXXX. Opened date XX/XX/2018. Original balance {$3700.00}. Balance XXXX Closed. I already tried to fix this issue with Net Credit back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. This account is related to fraud, and they keep on reporting it. I am demanding Net Credit a deletion letter, and this item to be removed from my report. Please send to Net Credit the attached documents. Thank you.
05/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • XXXXX
Web Servicemember
I have contacted this company so many times. They are not listening. The FTC is investigating. Why would I give them information when I am afraid they will do something with the information I provide. You can't ask for my drivers license when I am disputing it. California law. They keep giving me there resume without even hearing me. I can not take out a loan. I filed bankruptcy not to long ago and I am a veteran so there is no way I would be approved for a loan. LISTEN TO ME. Unless your company is shady which I believe it is. There would be no way I can take out a loan.
02/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 07052
Web
In accordance with the Fair Credit Reporting Act ( FCRA ). This Creditor has violated my rights under 15USC1681 Section 602 states I have a right to privacy. 15USC1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. On XX/XX/23 the account was reported 30 days late. I was told by a representative to call back on XX/XX/23 to set up a payment plan as I am starting a new job.
07/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • VA
  • 24018
Web Servicemember
I was contacted by Date : XX/XX/2023, XXXX XXXX Central Time Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX Someone using my name and info was trying to apply for credit. BEFORE verifying these people, they did a credit check on my credit profile. They did NOT verify the person, they did NOT ask them to submit an ID of any sort. They are legally responsible for any financial issues or credit issues that arise from their failure to verify the person or persons prior to initiating a credit report.
03/27/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 10026
Web
I am having an issue with Headway Capital. I obtained a line of credit through them in XXXX of XXXX, and since then, in addition to using the email I authorized them to use, they have been sharing confidential financial information with an email I never authorized them to utilize, which is linked to a former employer and now competitor of mine. These emails are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made multiple phone calls and have been assured multiple times that this mistake would be corrected, but to date, no corrective action has been taken on their part.
03/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • VA
  • 243XX
Web
I filed a complaint about the same company and account last month. The company is listing my account as a bad debt rather than a bankruptcy payment plan. The settled amount is also inaccurate. My account status and amount were fixed last month but have since returned to the same wrong information as before. However, a bankruptcy dated XXXX was written and mine was in XXXX of XXXX. This inaccuracy was never fixed. My attorney notified them in writing last month but it would appear that they are attempting to damage my credit long term without following appropriate guidelines.
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33141
Web
In regards to three accounts on the credit report,1. NETCREDIT, 2. XXXX 3. XXXX XXXX, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy. Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent. Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX
06/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92555
Web Older American, Servicemember
I borrowed approximately XXXX dollars from this company more than 1 year ago. After making 14 months of payments in the account of XXXX each, the company shows that I still owe in excess of XXXX. It appears that the total payments will exceed XXXX after 2 years. I was told at the outset that this was a simple interest loan. I have been trying for over a year to get someone to explain how a simple interest loan can escalate into an amount that nearly tripled the original debt. I am trying to get this agency to stop its predatory lending practices to the elderly and poor.
11/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 242XX
Web
I live in Virginia and applied for a online loan. I have come across information that XXXX is not legal in Virginia. XXXX keeps taking funds from my checkings and causing overdraft fees. I am more than willing to pay them what I owe. But, at 149.81 % it is impossible to do so. I borrowed {$1200.00} from XXXX and my payment was supposed to be {$79.00} a month. XXXX is taking that amount from my checkings sometimes, 2 to 4 payments in one month. I have been late one time and XXXX has made me pay dearly. I have contacted XXXX about the matter and they refuse to work with me.
04/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93722
Web
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
01/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84074
Web
I contacted the creditor " NetCredit '' on XX/XX/XXXX, to ask them to please contact the credit bureaus to have my account balance reflect the correct balance of Zero dollars, which NetCredit shows as paid in full back on XX/XX/XXXX. ( attached ). They informed me via email that they report to both XXXX and XXXX every month about my the repayment history, but to this day my credit report ( attached ) still shows {$140.00} outstanding balance ( line 012 ). It's been 12 months since I paid this account in full. Any help in getting this corrected would be appreciated. Thanks
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 40031
Web Servicemember
On XX/XX/2023 I received an email from Netcredit stating that the loan that I applied recently was not approved. I immediately contacted Netcredit and spoke with a representative by the name of XXXX. She stated that the only way that I can have this fraudulent information removed from my credit report was to get a police report. I don't feel that I need a police report because I verified all my information with Netcredit that I did not apply for a loan. I also stated to the representative that I would be reaching out to the Consumer Credit agency and the XXXX XXXX XXXX
03/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30076
Web
I contacted the lender regarding the advertisements that I have been allegedly pre-qualified to receive. When I went to apply, I was bewildered that my credit score from six months ( XXXX ) popped up and I was locked into a loan with a five-year payback period. As a returning customer, with two previous loans paid in full, I am confident that the business is executing unethical measures to assess higher interest rates and to participate in predatory lending. As of today, my credit score is nearly 100 points higher and I was unable to elect for them to pull my new credit.
04/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • IL
  • 60605
Web
On Thursday XX/XX/XXXX I was approved for an {$800.00} loan from cashnet USA. It was due to be deposited XX/XX/XXXX. It is now XX/XX/XXXX and I have not recieved any of the money that I was approved for. I contacted my bank and they show nothing pending on their end. I contacted the company. They say they show it was sent for deposit into my account. I told them it was not recieved and I would like to cancel the entire transaction. They are currently showing that I owe them money. However, I have not recieved anything from the company. My customer ID with cashnet is XXXX
12/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 700XX
Web
I applied for a {$500.00} loan. I was approved by CashnetUSA. They deposited {$420.00} into my checking acct. {$75.00} of the loan went to CashnetUSA for fee. I have been paying monthly ( since XX/XX/2021 ) on this loan by electronic payment debited from my checking account. I have paid a total of over {$800.00} through monthly payments for a {$420.00} loan and my balance owed on the loan as of today is {$420.00}. I basically have paid this loan down by {$4.00}, but yet have paid over {$800.00} towards the balance. This is absolutely unacceptable to do this to a person.
06/05/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89128
Web
I received a copy of my XXXX credit report and the company is reporting a collection that I have no knowledge of. I have never received any written proof from them validating the debt with my written signature, a contract or a document showing I owe them money. I sent a certified letter to the collection agency and it was returned undeliverable. This inaccurate information should be deleted. I contacted XXXX with a certified letter and XXXX responded with saying it was accurate but with no written proof of who was contacted, written information or a verifiable source
05/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 30314
Web Older American, Servicemember
Netcredit is a company that not interest in listening to any complaint or trying to work with the me to help because I can't pay the high amount of interest and the very little amount going towards the principle that is unfair and wrong for anybody to have to do. I am not trying to not pay them but I have a problem with them trying to lock me in a five year loan which they seek to collect three time the loan amount they gave me. I am a XXXX Veteran that gets a monthly check that all I have to live on for Netcredit to do this is shameful and disgraceful. PLEASE HELP..!!
05/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70726
Web
I took out a loan for {$1500.00} on XX/XX/21. I have been paying the he loan consistently since XXXX. To date, I have paid roughly {$2200.00} to this company and still have a balance of {$1500.00}. I can not afford to make these exorbitant payments. Thats more than I took out in the first place. I would like to revoke ACH authorization on my account and to have this account closed. I am willing to settle on a discounted rate to have this debt removed. I also ask that all future communication be sent via email and no phone calls should be made to myself or my employer.
03/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35405
Web
Amid the corona virus scare, without warning and not due to my credit circumstance, this company decided to not allow me to borrow any money. I wasnt trying to borrow more, however, my credit line was XXXX. Now my credit line is being reported as what I owe at this time. Ive never missed a payment and in fact pay much more than is required. This company in my opinion is so selfish and XXXX for cutting customers ability to borrow and incorrectly reporting the situation. There was zero reason to cut my line of credit thereby damaging my credit score due to utilization.
04/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • XXXXX
Web Servicemember
First of all who the heck is XXXX XXXX. They are asking me for personal information I am not comfortable with and that is why I contacted the FTC. I also had someone call me claiming to be from the IRS and my wife called them back and the were with XXXX XXXX so may be instead of harassing me you should check your employees. They have my wife 's number and they have a work email that she has not used for awhile. Usually only junk comes through on this email. My wife has a business account that you tried to access, nothing came through. We were notified right away.
01/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72076
Web
On XX/XX/2021, NC Financial at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) opened a personal loan in the amount of {$7000.00} to someone claiming to be me using my credentials to open the account. This was not me opening this account. I retained XXXX Identity theft protection and XXXX ( we ) to work for me and with me to resolve this matter. We contacted NC Financial about the fraud and confirmed the account was opened using my stolen identify. NC Financial fraud department explained that a police report or other documentation was required to move forward.
07/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • AL
  • 363XX
Web
I filed for bankruptcy on XXXX/XXXX/2016. Netcredit was included. The bankruptcy was discharged on XXXX/XXXX/2016. I have received multiple calls from them and XXXX emails this week. I called and was told they do not have my bankruptcy info. ( They have not contacted me since the original notification in XXXX ). I gave them the info and was told they would " look into it '' but that collection activity will continue. I was told by XXXX of the callers that they were not under any obligation to " honor '' the request from the court and that I needed to pay this debt.
03/27/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44221
Web
A man named XXXX from a company called XXXX has called me to report a delinquent account on behalf of Cash Net USA as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called Cash Net USA and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.
10/24/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 537XX
Web
Received a letter from Cash Net USA saying I owed them money for an account I had with XXXX XXXX only account I ever had with XXXX XXXX was a home mortgage that I closed out in full ( per credit report ), XX/XX/XXXX. I talked to a representative named XXXX from Cash Net USA ( on XX/XX/XXXX XXXX CST ) in regards to this matter and was asked verification questions which did not match me.She asked if I was contesting this debt and I replied " Yes '' .She then steered me towards getting a credit report, which I did.My credit report shows no debt 's owed to XXXX XXXX .
05/20/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 953XX
Web
Got a loan from CashNetUSA for {$600.00} in XX/XX/XXXX and have a outstanding balance of {$720.00}. Since then I have paid almost {$2000.00} in payments due to having some issues over the time of my loan period. I have more payments coming and it will end until XX/XX/XXXX. I have contacted CashNetUSA and have tried to work out a settlement but according to the contract I have signed they don't do settlements or work anything out. It seems like the payments I am making are not making much of a impact and these are the payments I did get worked out with CashNetUSA.
08/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95051
Web
The net credit company is charging 35 % interest and called to make partial payments in the pandemic, they are not considering the partial payments and they are constantly charging my account without my knowledge, ... .they charge my card 4 to 5 times..partially in the same month and saying this is the meaning of the partial payment ... ..35 % interest rate is too high lending limit ... ... i am unable to make my monthly paymnet, i need a hardship to waive my monthly paymnets for months atleast ... they are harassing me by directly charging to my bank account ...
11/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 647XX
Web
I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.
05/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33311
Web
I logged into the netcredit.com webpage to process my payment earlier than the due date, on XX/XX/XXXX. I scheduled a single payment with the company, and they processed that payment two times. I saw this on Saturday morning and reached out to the company and was on hold for over 40 minutes and then I was disconnected. When I attempted to call back it was no longer during their business hours.. this caused a financial impact to my personal bank account as I was not prepared to make a double payment nor did I request it. Company is not able to be reached by phone
07/15/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20906
Web
Theyve called me just about every day except for Sunday. Sometimes 2 or 3x a day. They called me on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I owe them about {$300.00}, I chatted with someone yesterday about the repeated calls and they basically said that they can do that. I told them that its borderline harassment to call me every multiple times a day, for several days. And I feel like theyre covering their tracks by it being a robot saying they wan na discuss an important matter but its very obvious they want their money that I dont have right now.
05/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • 46123
Web
I can't go back without losing everything in the form thus far but I HAVE contacted the company to resolve this. I applied for a short-term loan from XXXX. The terms of the application said NO hit to my personal credit would happen. This is not the case. I received information that Headway Capital ran a credit report without my authorization. I never contacted Headway Capital directly nor gave them permission to check my credit. I had never heard of the company until I received their rejection notice stating my personal credit was not up to their standards.
08/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 29341
Web
I lost my job and this company CashNetUSA still drafted payments out of my account of the sum of {$300.00} bi-weekly for a {$1800.00} personal loan they had no means to helping me out in my hard time and I had to suffer it out. The other thing is they do not report these payments to the credit bureaus I'm on time and I may have paid them close to {$8000.00} in payments also these payments could average from {$600.00} to {$900.00} in 1 month absolutely ridiculous. I can not afford to continue to make these kinds of payments I need financial Justice, thank you.
06/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • TX
  • 760XX
Web Servicemember
I was approved for {$1900.00} with NetCredit it was originally to be funded on XX/XX/XXXX First they advised my that the needed ONLY 2 paystubs and then I needed to call to verify my identity which I did both. But they withdrew my application Then they said that I needed 2 bank statements which was submitted My employer does not offer direct deposit.. now the declined stating they cant verify my income. Im being discriminated against because my employer doesnt offer direct deposit But the bank statement does show 2 direct deposits of social security per month
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 33570
Web
I am a victim of the XXXX breach, hacking and identity theft. NETCREDIT has given funds to someone who isn't me. I did not even have a job for well over a year before they claim to qualify me for payday loan. Some sort of job is required to get a payday loan their website states.. I was Recovering from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more injuries... still am. I would have no paystub or paychecks to show them in XX/XX/2023. My car accident was that bad i'm still recovering. What ever they got was from the hacker ( S ) stealer ( s ) was a lie.
08/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 08002
Web
Ive been trying to have my bank account updated so that I can swiftly make any past due payments since XX/XX/XXXX. XX/XX/XXXX Ive replied to the email theyve sent me confirming my new account information as they had the incorrect information although a bank statement was provided. I have not received any emails, phone calls, or notifications about this nor has any of the information been updated to reflect the change of account and am still past due. It has been nearly 3 weeks and the account is past due and Im looking to have this issue resolved IMMEDIATELY.
11/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23860
Web
On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.
11/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 414XX
Web
Hello, I received an email on XX/XX/22 stating that I applied for a installment/payday loan with Netcredit.com. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XX/XX/22. I received an email today XX/XX/22, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.
08/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • MD
  • 20745
Web Older American
The young lady I talked to said that I already have an account with them but I never opened one and they said the person is using my social security number all of my information Bank information everything but my name the account is under a different name and she wouldn't give me the name of the person that's on the account and it was open XX/XX/2023 and it was not me the young lady wanted me to send a picture of my ID the front and back but I wasn't comfortable with that since she said that somebody's using my name can you please check this out for me.
12/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77018
Web
I recently applied for financing for a home, unfortunately because of the false delinquent reporting XXXX XXXX currently ) on my NC Financial account ( XXXX ) my Credit scores were too low. I reported the inaccurate reporting to the company Net Credit for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been XXXX months and still the misreporting shows that Im late to my payments.
06/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 231XX
Web
NetCredit was NOT licensed to do business in Virginia ( where I reside ) Therefore, in accordance with VA law, my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law and offered a loan with an illegal interest rate. I have sent emails to them, as well as replied to multiple emails from them, explaining that the Commonwealth of Virginia sued them and WON, because they were found guilty of illegal loans and violating the laws here, therefore making my loan null and void.
09/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • CA
  • 94901
Web Older American
I have taken out payday loans with Cashnetusa.com with no problems. However, I decided to take out an installment loan for {$2600.00} because of dental work I am having done. Most installment loans take out a payment once a month around {$200.00}. However, Cashnetusa.com is taking out XXXX every two weeks for 38 payments which equals {$7800.00}. This is over triple times the amount of the loan I took out. I live in California and looked up the laws before deciding to contact you. I take my debt seriously but Cashnetusa needs to amend my loan immediately
04/01/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89117
Web Older American
We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped.
01/09/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • XXXXX
Web
XX/XX/2020 this company has not sent any letters to my address regarding amount if any owed. Now have a different company calling my number and other members of my families staying I owed a debt. I called and asked them to send me a letter with what was owed earlier today. They continued to call not only number but also the other numbers I ask them to not called. I had to call a second time when the recording stated they would be sending someone to my home or job to serve me, now upset I called again to ask them to send a letter again and dont call me.
04/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OH
  • 45459
Web Servicemember
I have been trying to work with this company to repay my debt. I attempted to stop the XXXX withdrawal from my account this Friday ( XXXX ). My response was : I am sorry for any inconvenience, once a payment arrangement is scheduled, it is unable to be changed or canceled for any reason. The payments will have to be debited from your account as previously agreed. Since, I have reviewed the ACH section of the loan contract, and it does not provide instructions for stopping an ACH withdrawal, which now has me questioning the validity of this contract.
05/03/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 786XX
Web Older American
I borrowed XXXX dollars about XX/XX/XXXX from Cashnet.com. I told them I do not get paid until the XXXX of each month on my social security XXXX .They called me after less than a week to get paid then I filed for an extension when they said the loan was due on XX/XX/XXXX. Then when I paid them today-XX/XX/XXXX they charged me over XXXX. This is price gouging. I sent them a complaint and when I called them today after they were paid they would not speak to me but kept me on hold for along long time so I hung up. Is this legal? My account number is XXXX
01/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • MI
  • 48340
Web
Dear XXXX, Account # : XXXX Thank you for your recent ACH Payment on loan XXXX. Your payment of {$100.00}, which is effective on Friday, XX/XX/2022, will be applied to the balance of your loan. While the ach payment has been initiated, it has not yet cleared. If your payment does not clear, the payment that was posted to your account will be removed and you will continue to owe the {$100.00}. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX CT and Saturday Sunday, XXXX XXXX CT at ( XXXX ) XXXX.
02/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 22554
Web
I received a {$3000.00} dollar loan on XXXX XXXX,2016 and have been paying {$340.00} and within that time they have not put anything but XXXX dollars towards the principle. I believe there practice is unfair and may be illegal, as when I wanted to pay off this amount due to the government shutdown, they said I owed them {$12000.00} dollars, however they only gave me a {$3000.00} LOAN. How in the world do I owe them {$12000.00} for XXXX? I beleive they are practincing unfair loan laws. and I have already paid them almost 3 times what they gave me.
08/21/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • NM
  • 87109
Web
In XX/XX/2016, I Re-Requested a Credit Bureau Membership and a Credit Report on ( XX/XX/2016 ). I found a Promotional Inquiry dated ( XX/XX/2016 ) for a PayDay Loan. I contacted the Lender ( whom ) Stated that, Either a Letter or Email was Submitted for an Online PayDay Loan. I was told that, they Could not. go as far Back enough to describe ( how ) the Application was Networked that is, by Email or US Mail and that, ( how ) the Promotional Inquiry was Acquired thatbis, from a Credit Service, Credit Management, Credit Corporation or a Collection.
01/13/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • WI
  • 535XX
Web Older American, Servicemember
I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner.
01/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • XXXXX
Web Servicemember
On XX/XX/20, I made an agreed payment arrangement made with Netcredit. Since the agreement, payments have been made on time, but is being reported as delinquent as if no payments are being made. I've contacted Netcredit several times about issue, but nothing is being done. I'm trying to purchase a house and this one thing with this company is hindering me. I've also filed several disputes about this matter, but nothing has changed. I need them to report to the credit bureaus, XXXX and XXXX that payments are being made and are being made on time.
06/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • TX
  • 760XX
Web Servicemember
NetCredit response to complaint # XXXX is NOT accurate XXXX my stubs clearly show all appropriate information such gross pa, net pay deductions and year to date. My Employers Tax ID is also on there shows as EIN. EMPLOYER. IDENTIFICATION NUMBER. Second bank statements were submitted 3 times Third XXXX benefits verification statements were sent to show additional income in adr to the paystubs, which is also shown on the bank statements as direct deposit. Employees at NetCredit needs up training. To know how to read the documents they requested
03/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32824
Web
Every month NETCREDITXXXXXXXX XXXX report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime NETCREDIT/XXXX XXXX report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n
05/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28602
Web Servicemember
If NetCredit had dealt with me to underwrite any loan, they would have recognized the XXXX XXXX taken from the XXXX XXXX XXXX XXXX, and found me incompetent at the time, and sought to cash in on abusing me in an attempt to gain access to XXXX XXXX. It is in NeCredit 's best interest to recognize that I was scammed, and accept the police incident number provided. Was Netcredit incompetent at determining my XXXX XXXX, or trying to take advantage of XXXX XXXX XXXX, they must have been aware of if they were dealing with me directly as they claim?
07/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92782
Web
In spite of a XXXX XXXX monthly payment, this loan balance never decreased. I experienced a reduction in income and could not afford the payments so I signed up with a credit counseling agency. There was no resolve to the issue and Ive been behind ever since. This loan opened XX/XX/2018 total amount borrowed was {$3500.00}. Today the balance reported on my credit file is {$10000.00}. It has almost tripled. How can I ever pay this off. In the meantime it is killing my credit. I have disputed the information to no avail. I dont know what to do.
12/27/2018 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
  • WI
  • 53224
Web
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. And they have ignored me.
04/06/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92612
Web
Received a notice from this Collections company and on the notice they stated, " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. '' However, this was false and they reported this debt to my credit report. I have attempted to verify this debt as I do not recognize it, however, they have been unresponsive and uncooperative and telling lies on their correspondences. Attached PDF may require password to access, it is : XXXX
06/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 22304
Web Servicemember
I took a cash advance from this company in the amount of {$1700.00} on XX/XX/2020 and paid it back in full today, XX/XX/2020. I had the loan for 16 days and was charged over {$450.00} in interest which amounts to an APR of over 650 %. The APR I was quoted was 299 % which is bad enough. This company preys on individuals who find themselves in bad situations for whatever reason. Then, they charge more than twice the interest certainly that I was expecting. I dont see why these types of companies are even allowed to do business in this country.
12/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • CA
  • XXXXX
Web Servicemember
I got a payday loan from cash net USA and they been debiting money out of my bank left and right after I just paid them the full money back to them that I owed which they said I still owe them money which I have my bank statements to prove Ive paid them back. they did not want to transfer me to a supervisor they did not want to do anything about the situation and on top of that my bank closed my account from being negative for several months because of the loaning agency And Im on XXXX because of them. They were very rude not helpful at all.
11/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 43017
Web
I received an alert from credit monitoring service that a loan with my credentials had been applied for at Cashnetusa.com. I called them as soon as they opened to inform them I did not apply for this loan. I contacted all credit bureaus to freeze my credit and add a fraud alert. I have filed a police report with my local police department. When I called the next day they refused to do anything until they receive a written police report. I asked them to cancel the loan, they refused to do anything until they receive a written police report.
05/19/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • DC
  • 20020
Web
I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,
09/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ID
  • 833XX
Web
Initially didn't want the loan, and when I realized I accidently agreed to it, it was already in my bank account. I started making some payments on the loan, and then realized that the payments I was making wasn't even paying off the balance at all, it was just paying off part of the interest. After losing my job and missing 10 payments, the loan has literally tripled from just over XXXX dollars to nearly XXXX dollars in under 2 years. The interest rates and other fees are so insanely high that there is literally no way to get on top of it.
08/14/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 786XX
Web
Cashnetusa.com sent a threatening demand letter related to a payday loan from 10 years ago. The letter is from XXXX XXXX XXXX. The letter says that they are threatening criminal fraud action against me in addition to civil claims. It uses a fake " filed '' stamp on the letter. It also threatens to subpoena relatives. The group has also called the personal home phone number of my boss in the past even though I never provided my boss as a reference ( and they left threatening and embarrassing voicemails with my personal information in it ).
05/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 302XX
Web
I got a loan with Nertcredit last year for XXXX and from the time of me having the loan, I have only paid down to a couple of hundred dollars. The interest on this loan is extremely high. When I read about NetCredit Loans, apparently there has been a lawsuit against this Company because of charging people high-interest rates. I was unaware of the interest at the time. With the interest rate, I'll be paying back XXXX. I have been trying to contact them about this. I would love to settle this and stop paying on this high-interest rate loan.
06/20/2016 Yes
  • Payday loan
  • Can't contact lender
  • WI
  • 544XX
Web Older American, Servicemember
I am very disillusioned with the United States Credit Reporting system. Exorbitant medical billing causes financial burdens and can be used to ruin peoples credit numbers. This puts retired people like myself to resort to payday lending companies that charge 300 % interest and will not listen to reason like reducing the interest to 50 % .. Then they use tactics to make things worse. CashNetUSA original company. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94521
Web
I just found out about the error when we refinanced our house about a month ago. I did not know what NC Financial was on the credit report stating I owe {$540.00} I showed them the letter they sent me in XX/XX/2021 showing I paid off the loan. Around XX/XX/2021 they reported me to the credit bureaus as owing them money. I contacted NetCredit and they deny they reported me. I showed them my credit bureau report from XXXX and gave them a snippet of the NetCredit owing account. They stated the credit bureaus created that item, not them.
03/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30012
Web
Its so much on my credit report that I dont know where to begin. From XXXX up to this year XXXX. I didnt know that the debt that was owed was on my credit report. I didnt receive the notice on most and some I did but I didnt know I could dispute it. I also tried contact XXXX XXXX XXXX to dispute the fraudulent transactions they have reported in XXXX or XXXX at that time I was XXXX XXXX and going through a tough time on life when I was physically XXXX due to XXXX. And the other years I was XXXX to XXXX and XXXX physical and so much.
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 243XX
Web
We filed bankruptcy ( XXXX XXXX XXXX in XXXX XXXX XXXX and Net Credit was included. At first, they called a few months after it was settled and I referred them to my attorney. They continued to put this as a delinquent debt on my credit report and I did not realize that was wrong until emailing my attorney about it. He said they could be in violation of " the stay and discharge injunction '' and he is writing an official letter to them. In the meantime, he recommended that I report this to you so that it could be resolved even faster.
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91367
Web
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to Net Credit, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.
09/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92585
Web
I called the company. It is now XX/XX/XXXX. I got a loan out for XXXX in XX/XX/XXXX and have made on time payments ever since. I called to discuss payment options and found that after all of this time I still owe XXXX. I have paid them double at this point. I called to see if I can get a payoff discount or a way to be able to assist as this has begun to create a hardship. I explained this to the agent and they said there is nothing that they can do to assist me. Now I feel trapped and don't feel I can do anything to get out of this.
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37343
Web Servicemember
Net Credit Financial claims that I had opened an unsecured loan with them on XX/XX/2021 in the amount of {$3100.00}. This I am disputing because I did not open the account and when contacted, they have the wrong information on my address of residency. The account was obviously opened without my consent and knowledge therefore is fraudulent. I have tried numerous times to sort this out with Net Credit but to no success, I have reported this to my local law enforcement agency, XXXX credit bureaus, district congressman, and the FTC.
10/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33174
Web Older American
I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX and XXXX, and I have put a freeze but nothing works the inquiries keep coming. Please advice. I need help Im old and scared someone will take the little money I have.
09/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 329XX
Web Servicemember
I am being told that I have made a loan during the time that I was not at home and my book bag and identification was stolen or lost between Florida and North Carolina my identification had my home address in XXXX XXXX on it I've asked for a copy of the contract with my signature and they provide a copy of a contract with no signature only my information furthermore I was notified by somebody that there was a filing of breach of contract by this company and then when I called the company they denied it the company is CashNetUSA
08/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 36301
Web Servicemember
I took out a {$2000.00} line of credit with cashnetusa. I have paid them over {$2100.00} to date over a 3 month period and yet I still owe over {$1900.00} which goes up daily. I tried to call and talk to cashnetusa about not being clear on the interest before o took out the loan and they denied that anything was misleading. When I took out the loan I asked if it was high and the representative told me it wasn't and that it was only XXXX. Something per day and didn't explain the 299 % interest during the call. This is not right.
10/09/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • NJ
  • 08721
Web
I originally took out a loan of credit for {$3500.00}. I didnt realize there were so many fees attached to every payment. I have had to advance more money to get back money to keep paying my bills so its become a vicious cycle. I have paid probably close to {$8000.00} in payments and I still owe almost {$3500.00}. Right now my payments are around {$200.00} biweekly with only about {$15.00} going to the actual lone. I live in NJ. This practice is definitely predatory and Im poor and I cant get ahead. I cant survive on nothing.
06/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 371XX
Web
I am so shocked to see the huge interest charged on the loan. The {$1500.00} loan was opened on XX/XX/2023. Today XX/XX/2023, I checked the account. It said that the outstanding balance is {$1700.00}. The interest is already {$270.00}. It's so ridiculous because it was advertised that it was a government loan so it had 0 % APR. I didn't know about this unexpected high interest. I kept calling to the company to ask them about it. However no one answer my phone. I felt like I got rid off by the fraud advertisement and contract.
11/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 65807
Web
I filed for bankruptcy back in XX/XX/XXXX, and cashnet usa was notified of such, yet I get an email last week saying they sold my loan to a collection agency and of course now this is on my credit too ( collection record ). I emailed and advised cashnet USA that it is against the law to continuing trying to collect on something that was included in bankruptcy and they needed to pull my account from the collection agency and stop all collection efforts but it still has n't been done. They continue calling me trying to collect.
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30045
Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30329
Web
XX/XX/XXXX {$5000.00} I applied for the first loan in XX/XX/XXXX. I was denied because of a non-traditonal banking account. I have applied several times online since then and I have contacted them. Their online system will not allow for me to place an new application. It shows the old application - DENIED. It has been almost seven months and I am not allowed to apply for a new loan. They are not trying to correct it. I thought a person could apply for a loan at any time. It WILL NOT ALLOW ME TO PLACE AN APPLICATION ONLINE.
09/25/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • SC
  • 29644
Web
Hello my name is XXXX XXXX, from XXXX XXXX SC. I had to get a payday loan from Cashnetusa. They was taking {$120.00} out of my account every 2 weeks. I called them at XXXX XXXX/XXXX/2015 to explain to them i lost my job. I asked them if they would lower the payments. They said no, they were still going to take the money. I told them i lost my job, that i wanted to speak to the manager, the girl would n't put the manager on phone, and she hung up on me. I am in desperate need of help. I feel like my rights have been violated.
08/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30004
Web
This company has engaged in a very deceptive, predatory loan practice. I am being charged interest of {$7900.00} on a {$7000.00} loan. This was not clearly outlined in the online process and all of the payments so far have barely moved the outstanding balance. I have contacted the company many times with no response. This loan needs to be review and adjusted. My account number is XXXX. Loan with this type of interest should be illegal as this is equivalent to an online payday loan which is not legal in the state of Georgia.
05/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WI
  • 54935
Web
I paid this company off they would not give me a pay off amount so I had to pay more than what was due they told I over paid and I would be getting a refund of {$290.00} but I would have to wait 30 days for the check to clear and the would ACH the refund back into my account that did not happen now they are saying that they are having issues with that process and will be mailing me a check and I will need to wait 7 to 10 days more so now they are hold my money for 45 days and not paying me anything for the use of my money
05/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 22003
Web
You can see I have made {$6400.00} worth of payments ( 14 months of {$460.00} XXXX {$230.00} twice a month ) ) and it's showing I still owe {$4700.00}. This high of APR should be illegal!! I want this loan paid in full. {$1200.00} is enough interest for the company to earn in 14 months. Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Friday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Friday, XX/XX/XXXX Next Payment Amount XXXX
01/11/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 244XX
Web
XXXX XXXX XXXX purchased an account from CashNet USA in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. CashNet USA was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. ( And actually over the years I had the line of credit with CashNet USA I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). This account needs to be closed and marked paid in full.
08/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MO
  • 640XX
Web
I am currently in the process of a divorce and I am not able to pay on 2 of my pay day loans. I am wanting to seek help for this because I don't want my wages to get garnished if they can end up doing so. Thanks for the help. The date for my cashnet loan has been in effect for 2 years now and I payed them monthly payment for 8 months and then had to stop do to financial issues and now my divorce. My loan with check into cash I had only had for a year but I can not repay that back right now also due to my divorce. XXXX
04/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • VA
  • 23455
Web
XXXX XXXX XXXX XXXX ( XXXX XXXX ) on the behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated several laws attempting to collect a debt. Information was disclosed to my spouse ( non-signer ) and suggestions were made that I was having an affair and a XXXX. This same XXXX XXXX threatened to have me arrested at my home or place of business. He would find me and take me in. I acknowledge that I owe the debt and made partial payment today in an effort to resolve but my rights and the law were violated in the effort.
10/03/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23235
Web
This was what I found out was an illegal loan here in the state of VA with astronomical interests rates and was eventually sent to the 3 major credit bureaus and has caused significant damage to my credit rating. The Attorney General 's office has filed a lawsuit and has stated that NetCredit loans in the state of VA are predatory and illegal. Attempted in the past to have them not put it on my credit report and a few years later they did anyway. Seeking legal options now to have this expunged and sue for this issue!
04/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • TN
  • 383XX
Web
I received postal notification from Cashnet stating that I owed {$1200.00} reference number XXXX which is a personal loan that was approved on XX/XX/XXXX. This was the work of a hacker who stole my information and used it to withdraw the above amount. I did not receive billing for this account until approximately XX/XX/XXXX. I spoke with a representative concerning this matter, and was told to file a police report then wait on an additional billing statement then contact customer service once the letter was received.
12/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TN
  • 38141
Web Older American, Servicemember
I got an loan from cash net USA in XX/XX/2019 for {$530.00}. After calling the company about how long it would take to pay off the loan they could not give me a definite answer. Also I noticed that every month my payment would be more than the last payment. Even though I am a senior citizen and have a XXXX XXXX it strikes me that cash net USA is practicing in good faith. I can not pay for this bill that seems to follow me to my grave! I'm not sure what to do at this point. Please help me with this matter. Thank you.
01/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MO
  • 64804
Web
I have applied 2 times with CashNetUsa and been approved for {$1000.00} however when I email or upload my bank documents they refuse to accept them I even traveled over 1 hour to my nearest bank to get the original bank agreement as they requested per their emails. Thereafter they called and said what I sent isn't good enough! I wasted valuable time and gas to do what they asked and bank only permitted me what I provided them per bank policy. Shame on CashNetUsa for their XXXX customer service DO NOT use them!!!
03/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TN
  • 38116
Web
My identity has been stolen and there has been several attempts to get online payday loans using my social security number. The most recent incident was on XX/XX/XXXX with XXXX. I received a credit alert that someone was trying to apply for a short-term loan in my name. I have put a credit freeze on my credit reports earlier this year from another incident with payday loans. I am worried that these attempts at payday loans are affecting my credit. I am also worried that my Social security number is unprotected.
12/18/2022 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
  • Their investigation did not fix an error on your report
  • TN
  • 37167
Web
I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. Creditor Name : NETCREDIT/XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.
01/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43016
Web
On my XXXX Credit Report I see a Hard Inquiry on XXXX, 2021 from NETCREDITXXXX I didnt request any new loan or credit card in months. So this Hard Inquiry was not authorized. I have sent emails to this company, their response- they wanted me to log into my account- which I do t have to continue communications with them. I responded that I dont have an account or login, I havent receive anymore communications from them I have sent letter to both XXXX and XXXX notifying them that this was an unauthorized inquiry
05/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • SC
  • 29440
Web
Net credit report a late payment. I told them due to conronavius and the governor closing my business, i am unable to make payments and would like to defer my payment. Net credit agree to defer my payment but added a late payment to my credit report. I spoke to the county Judge and he said before I file a lawsuit against net crefit I should reach out to credit reporting agencies and let them know that it was declared a natural disaster, and it's no fault of any business. All negative reports should be removed.
03/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ID
  • 83686
Web
I got a loan for XXXX from this company. They had pull ed two payments from my acct equaling XXXX plus dollars. You would think my loan would be down to roughly XXXX dollars left to pay but it wasn't, I called the company to get a balance and the balance was over XXXX due to " fees '' and outrageous interest 299 %. I know these kind of loan company 's have been getting shut down due to their fraudulent activities and ripping people off, making an agreement they know is impossible to paynoff in payments etc ...
07/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • LA
  • 708XX
Web
NETCREDIT has refused to acknowledge my reported financial hardship since the onset of XXXX and the death of my child in XX/XX/2021, for whom I got the loan for. I reported this information to this company and they have refused to work with me or close the account. They have overcharged me extremely and fraudulently. XXXX has repeatedly reported a late payment to the credit bureaus, which has greatly affected my credit score. The fraudulent amount they say I owe is far beyond the credit limit. Please help me.
10/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33056
Web
Netcredit obtained my information and entered me into a consumer transaction without my consent or knowledge Netcredit is in violation of 18 U.S. Code 1028A -Aggravated Identity theft amd 15 USC 1691 ( d ) ( 6 ) Netcredit does not have the right to the credit pull that 15 USC 1681b ( a ) ( 3 ) ( A ) grants a credit reporting agency I never applied for a loan and I have the capacity to contract since I am a natural person so you denying me my own credit is discrimination pursuant to 15 usc 1691 ( a ) ( 1 ). .
08/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 20904
Web
I 've been trying for weeks to understand how many payments I have left to payoff my loan. No one has been able to provide a response. They 're representatives all give the same response about not being able to calculate this due to daily interest charges. It almost seems like my loan has no end date unless I pay in full all at once and I do n't have the money to do so. Also, payments made whether by debit card or bank account are n't credited to your account until days later making you accrue more interest.
01/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30815
Web Older American
In XXXX, I applied for a {$5000.00} from NetCredit ( XXXX, Illinois ) that was approved and directly deposited into my checking account. I started having payments debited for {$260.00} monthly starting on XX/XX/XXXX ( XXXX of each month ). Ive paid over {$3200.00} to NetCredit and still owe a balance of {$4900.00} as of XX/XX/XXXX. NetCredit is a Predator Lender and a XXXX XXXX XXXX in violations of Georgia PayDay Lending Laws. This wasnt disclosed. I need help to avoid being taken advantage of Financially.
03/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • XXXXX
Web Servicemember
I have talked with the Company and told them that I would be sending them money each month manually as I could ; since there is the Covid era going on and was short in monies to pay each month. They would not accept what I was saying ; and proceeded to call me at least three times a day from phone number XXXX to harrass me regarding paying the account. I already told them what I could do but they continue to call constantly!!! This is very annoying and rediculous as they should be grown and same people.
12/27/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60477
Web Older American
Even though when I filed the application, I requested a monthly payment be taken from my account, they insisted on 2 bi-weekly payments of {$49.00} be deducted from my account. ( I had to submit copy of my Social Security Verification Letter ) to become eligible for benefits. I had requested that {$99.00} be subtracted from my account each month. They have been making me call every month to change the payment dates to the third of each month which towards the end of each month can truly be an inconvenience.
04/12/2017 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • NV
  • 89031
Web Servicemember
I was in the process of applying for a payday loan through the company 's website. It states I already have an account with them. I requested information on the loan that was already taken out as I have no prior contact and no records by email or bank statements of doing business with the company. they told be the account is closed, marked past due, and the loan has been sold to ta 3rd party agency. would not tell me when the loan originated, or the amount, or when the loan was sold to a third party agency.
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23321
Web Servicemember
In XXXX I applied for a online loan with Net Credit in the amount of {$5000.00}. Net Credit was sued by the Commonwealth of Virginia state Attorney General for illegal loans and not having a license in Virginia my state of residence. Net Credit reports to the 3 credit bureaus that I owe {$7000.00}. Net Credit was ordered by the Virginia State Supreme Court to stop all collections on illegal loans in the Commonwealth of Virginia. I would like to have the Net Credit report removed from all 3 credit bureaus.
06/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30281
Web
Net Credit is reporting a late notation on XX/XX/20 and I ask that they please remove it. Due to Covid, I was severely financially impacted as my employer cut my hours unexpectedly. I was thankfully able to pay and get all caught up but I was just caught of guard for that month. I have never been late before and have not been late since. I ask that Net Credit please make a one time goodwill adjustment for the late on the account. I am now in a situation where I can buy a home and this would be a big help.
02/04/2021 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • KS
  • 670XX
Web
XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX left a message on my boyfriends voicemail discussing contacting my son and discussing contacting my sons employer about debt my adult son supposedly owed. I then called XXXX XXXX at XXXX XXXX XXXX who discussed with me the exact amt. my adult son owed on a loan from Loan Cashnet and that the loan was taken out in XX/XX/XXXX. It is my understanding that debt collectors can not disclose this information to friends or family which XXXX XXXX at XXXX just clearly did.
05/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91367
Web
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in XXXX XXXX.
04/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94523
Web
I took out a loan with XXXX not knowing the interest being charged on the loan. I took out a loan for {$3000.00}, i have made 9 payments of {$390.00}, a total of {$3500.00}, the principle plus interest of {$510.00}!! Annual interest rate of $ 15.015 % a total of 24 pymts and will have paid {$6300.00} more than double the loan. I was not aware of this when I signed the loan. I feel I have paid the loan plus suffice interest and they should not be allowed to charge the interest they do and animadverting.
09/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KS
  • 670XX
Web
We got a small XXXX dollar loan in XX/XX/2016 to pay off my wife schooling have made regular {$270.00} bi weekly for 2 yrs and have only paid off {$800.00} of the principle. Why is it legal for a paday lender to charge 299 % interest on a loan? Isn't the government suppose to protect the people from usury rates? It's really frustrating to try and better your life by getting an education but then be a slave to a debtor for years when you have paid back the loan amount almost 3 times the amount borrowed.
06/06/2023 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
  • IL
  • 60615
Web
I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
07/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 20171
Web
I received an email to settle a loan I had from cash net USA for half of what I owed. The email said I could make payments if I couldnt pay the full amount. I called and offered them XXXX today and the rest on XX/XX/XXXX. They agreed and setup the payment for XXXX for today and the next payment on the XXXX. They took both payments out of my account today without my permission. They stole it from me. They are also operating in violation of Virginia state law because I have two payday loans at once.
03/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OK
  • 746XX
Web Older American
I took a loan for XXXX, right off the top NetCredit took a % for origination fees. The payments are outrageous, XXXX per month, the HIGHEST interest rate by Oklahoma law is 45 %, they are charging 99.49 %. I have paid back XXXX already, MORE than allowable under Oklahoma Law. My balance should be XXXX. Instead they want 4 more payments of XXXX, which is CRIMINAL. I have contacted them in writing, they refuse to acknowledge o respond in any way to my concerns. My account number with NetCredit is XXXX.
07/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • IN
  • 46033
Web Servicemember
loan applications submitted several times since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX vendor is unresponsive and when they do respond - they still drop the ball and don't process the application reached out several times to customer service - told that XXXX are not available 100 % of the time and that I can be placed on a call-back list placed on the call-back list and never get a call-back several communications sent to : XXXX, XXXX, XXXX, XXXX XXXX
03/07/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • OH
  • 44646
Web
This company will charge high interest for a quick turnaround payday loan and then you have to make the full payment within a short period of time. However, when you make your payment, they will not credit your payment and not contact you when your payment goes through and then charge you high late fees and then when you talk to them, they claim they contacted you and collections will yell and scream at you and claim that you owe them money, even when you made your payment. Do not trust these guys!
12/05/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 354XX
Web
I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
03/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web Older American
Caller ID cash net phone # XXXX XXXX XXXX called on XX/XX/19 @ XXXX XXXX. I have never had a dealing with a company by this name. They have called in the past. I do not answer calls from people or businesses that I do not know or do business with. I receive many calls daily, most of which I do not answer because I do not know who is calling. The only possibility I can think of as to why this company called is that it relates to my son XXXX XXXX XXXX who has not lived at this address for 18 months.
11/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35211
Web
This company has yet to mail me verification that this debt belongs to me. I have sent them a police report as confirmation of identity theft yet they claim that they conducted an investigation and denied my identity theft claim. I called them directly asking for proof of their investigation and that this account belongs to me. It has been over a month and they haven't sent me anything. I am asking them to stop harassing me and my credit and stop reporting this incorrect information to my credit.
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WY
  • 82009
Web
Somebody used my social security and personal information to apply for credit. Netcredit did a hard credit inquiry at XXXX. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from XXXX.
05/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 78217
Web Older American, Servicemember
I was looking for a loan for new furniture. I got notified of a pre approved loan opportunity with netcredit. After looking at it, it first said {$6800.00}, 36 months, When I was finally ready to get the loan, I got to the contract and it was {$270.00}, bi-weekly for 71 months. So once I saw the terms had changed I closed it out and did not request the loan. On XX/XX/XXXX I received a letter of denial. I never made the request or signed anything electronically. My credit score dropped 30 points.
06/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23321
Web
There was a loan taken out in XXXX with Net Credit. On my credit report it states that there is a balance of {$1600.00} and I would like this debt removed from all XXXX major credit bureaus. Due to an extremely high interest rate/APR that I was unaware of not being able to sustain the continued payments at that rate because due to reduction of work hours due to covid XXXX pandemic. I am unemployed and unable to pay this loan. I am requesting that this debt is cleared and reflect a XXXX balance.
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30093
Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
10/05/2021 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
  • Their investigation did not fix an error on your report
  • CA
  • 94585
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
07/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • XXXXX
Web
I emailed cashnetusa to remove my financial information from their database because they no longer offer LOANS in California. I have not heard from them, so I am filing a complaint. I do not feel my financial information is safe at their website. They have changed my Loan ID XXXX to Payday Loan ID XXXX this is dangerous I do not want to be a victim of identity thief like I was in 2016. This is a serious matter their website could become HACKED, and my financial information will be compromised.
06/13/2022 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
  • 77007
Web Servicemember
In Accordance to the fair credit reporting act Net Credit/RB Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. I have NOT given that authority to NET Credit/RB. 15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
08/05/2021 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
  • Their investigation did not fix an error on your report
  • CA
  • 95138
Web
FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : Netcredit Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. NC FINANCIAL reported me 30 day late for XX/XX/2019. Please review attached document as the document from NC Financial shows account was paid in full and account closed XX/XX/2019. Please follow-up with NC Financial and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.
05/27/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22554
Web
I was contacted XXXX XXXX Services and told that I owe {$380.00} for a past balance to CashNetUSA. While I do remember doing business with CashNetUSA at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to XXXX XXXX XXXX and disputing this amount. I am also placing a complaint with the CFPB because I know that CashNetUSA was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.
04/07/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • SC
  • 29303
Web
Unemployed. Unable to repay loan. Account # XXXX. Unable to repay loan due to unemployment. CashNet has threatened collections procedures without deferring my account. Constantly charging high interest that I ca n't afford. I can only repay the {$800.00} amount borrowed. My situation has changed that I can only pray back the amount borrowed without the extremely his interest. Collections will hurt my chance in securing my chances to employment. I want to.avoid filing bankruptcy proceedings.
02/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NM
  • 874XX
Web
I have tried several times by email to contact customer service, my mother is XXXX she is the customer-I was looking at her contract and it states that they charged her over {$5000.00} in finance charges for a loan she barrowed {$2500.00}. After I read her the loan terms she freaked out because they collected over {$2900.00} since XX/XX/19 and only {$300.00} went towards her principal. I believe this is wrong and can there be something done? Again my mother is over XXXX years old and XXXX.
09/04/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 900XX
Web
The creditor calls multiple times a day on an emergency line to our company 's alarm monitoring center. They have been asked to stop calling and remove the number from their call list. They responded that they " can't do that ''. When a supervisor was requested, they responded " there is not one here ''. When asked to be transferred to their supervisor 's voicemail, they responded " supervisors do not have phones at their desks ''. Last employee spoken to ( on XX/XX/2019 ) was " XXXX ''.
02/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • VA
  • 23464
Web Servicemember
Applied for a loan, because i am the only one working right now because we just had a baby and we needed help, got approved used the money for bills and now im paying a ridculous amount on top of my other bills and putting food on the table for my family. They take advantage of hard working americans and take more money from you like a bunch of scam artist, how they are even a business i dont know. Every two weeks taking out more and more money is going to put my family out on the street.
06/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • OH
  • 442XX
Web
This company has confusing and misleading advertising. On their website, it clearly says that checking eligibility will not affect credit score and not leave a hard inquiry. I applied a total of 4 times and it would say I am approved for a line of credit, then I wasnt, then I was approved and once more I wasnt. I never received any money or a line of credit from this company. They still left a hard inquiry and it removed XXXX points off my credit score. This is false advertising
09/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KS
  • 66061
Web
On XX/XX/XXXX I applied for this loan because of financial difficulties. Me being young and when I applied it said 29.9 % interest rate. Come to find out it 's actually 299 %. I have made payments never late mind you. The loan was for XXXX. I have paid XXXX $ and I still owe them XXXX. The date as of today XXXX-XXXX-2017. I get payday loans are meant to be paid back by pay day however I should n't have to choose between food and paying this. If someone can bring food that would be great.
12/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • AL
  • 35124
Web Older American
Received an alert from XXXX today, XX/XX/2020, that there is an application for a loan with CashNet and that needed to be researched. The XXXX tech called CashNet and was placed on hold for two hours where I was instructed to wait until Monday, XX/XX/2020, to try again to get through to CashNet. CashNet had automatically emailed me with a loan offer about two weeks ago in which I deleted. Hence, according to XXXX someone is using my personal information to apply for a loan with CashNet.
03/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WA
  • 990XX
Web
On XX/XX/2022, I received a mailed advertisement containing a pre-qualified offer for a loan from NetCredit ; the letter stated that the annual percentage rate of the loan would be 93-to-99 %, a rate far beyond the maximum allowed interest rate in XXXX XXXX I called the number listed on the offer ( XXXX ), and after being connected to a customer service agent and requesting information regarding the contact information for their company 's legal team, the agent disconnected the call.
12/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WI
  • 53211
Web
I wanted to pay off loan and Cashnet agreed. Instead of keeping the payoff agreement they refinanced the loan I was trying to payoff which caused higher payment more interest and they wouldnt resolve the matter by accepting the last payoff payment and continued to withtraw funds from my account without my approval. I had no choice but to close account and cancel debit card to kep them from going into my account and they continued to charge interest and wouldnt accept a payoff amount.
09/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • NV
  • 89434
Web
I borrowed {$500.00} from CashNet USA. I was to have paid {$120.00} to extend the loan. However, I wanted to workout another payment arrangement using XXXX XXXX XXXX. I sent CashNet USA a Letter of Revocation stating that the {$120.00} debit should not be made. CashNet USA acknowledged receiving the letter, but said that they did not abide by the letter because no payment arrangement had been made. On XX/XX/2019, CashNet USA debited {$120.00} from my account which is against the law.
03/02/2023 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
  • Problem with personal statement of dispute
  • FL
  • 346XX
Web Older American, Servicemember
XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 338XX
Web
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
09/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91403
Web
Net Credit is reporting negative information on my credit report in the amount of {$3500.00} which was opened XX/XX/2017. I have disputed this account and requested they send proof of how this account was validated showing my ownership and agreement to this debt. However they have failed to validate this debt with proof. I am requesting the removal of this debt from my credit report, because it does not belong to me, and its illegal to report false information on my credit report.
12/22/2020 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
  • AL
  • 35603
Web Servicemember
I have disputed several times with the credit bureaus and Net Credit. I have submitted the documents to prove account is not 120 days late and they refuse to update reports and every month I continue to get an alert saying 120 days late. The account balance is wrong and they refuse to update the account balance on credit reports. They have signed an agreement to settle my account for less than balance and my debt management company has made payments every month since XXXX of 2019.
10/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 752XX
Web Servicemember
This is a collections account showing up on my credit report and I did not apply for a payday loan from this company. It said that a loan was opened on XX/XX/2018 for {$860.00}, and I believe this may be the result of my sensitive information being breached from XXXX by hackers, who may have applied for a payday loan in my name. I have also gotten notice that my SSN has shown up on the dark web. This is not my account and therefore I would like it removed from my credit report.
04/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OH
  • 44313
Web
After being told I had to provide ACH authorization to get a loan, I was told I was unable to revoke it. The FDIC and CFPB both state you should be able to revoke an authorization. This company uses a loophole in Ohio law under a mortgage act to use these deceptive tactics and predatory lending practices. Their interest rates are in excess of what Sate of Ohio lending laws are supposed to provide. Their true nature is not revealed until after you can not get out of the loan.
04/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98087
Web
To Whom it may concern, I have tried to work with Net Credit and its customer service representatives over the phone, but I have not received acceptable results. In addition, I have read my contract, but the contract is not defined. For example, nothing in the agreement states interest rates or what percentage of my payments are going back to my principal balance because the contract hides the facts of the line of credit payment facts from consumers. Best Regards, XXXX XXXX
03/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 925XX
Web
On XX/XX/2016 NetCredit allowed someone to fraudulently apply and receive a loan in my name in the amount of {$5800.00}. When I found out about the loan I called the company and informed them as well as filled a police report. I have filed a Identity Theft Report with the Federal Trade Commission and reported it to the credit bureau 's. Netcredit would not do anything about the fraudulent charges and has since sold the debt, which was still in my name to other debt collectors.
07/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • ID
  • 837XX
Web Servicemember
I notified, through email, NetCredit that I was a XXXX, received XXXX, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, XXXX XXXX, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now XX/XX/XXXX with no follow up.
12/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MO
  • 63118
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Cashnetusa high interest rate during pandemic
02/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30349
Web
Im very upset with company onfalse advertising and false information to get you inloan. However im trying to pay off loan and has contact company several time for pay off amoutn and i get different and amounts every time my credit showing for th amoutn of XXXX still owed however wheni reach out to company it stay XXXX or XXXX which is more than I took and i been paying on loan since XX/XX/2018. Im filed several compliants on company with no resolution I just wont out of loan
11/16/2021 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
  • Their investigation did not fix an error on your report
  • GA
  • 30046
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Also, please reinvestigate the whole information. Lets fix this immediately. The Bureau is obliged to verify for themselves, but they failed to neither verify nor update me about these complaints.
10/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MO
  • 63031
Web
XX/XX/2020 I paid my loan off in full. The information I received in regards to the payoff amount was varied so I paid over. I paid the loan off in form of a cashiers check. I am sue a refund of XXXX . NetCredit says they will not issue a refund until after 30 days this is appalling given I have paid the company over XXXX in interest and I had the loan for 14 months. If my refund is going to be held I want daily interest applied towards my refund amount as they charged me!
06/07/2023 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
  • SC
  • 29710
Web
I livechatted on XX/XX/2023 with a representative named XXXX to let them know I won't be able to pay until XX/XX/2023. Instead, they drafted my bank on XX/XX/2023 and caused me returned check fees. When I called CashNetUSA about it, they proceeded to tell me that they couldn't find the messages and my account wasn't notated. Luckily, I took screenshots of the entire conversation and have my phone calls recorded even on my side. Attached is the screenshotted conversation.
11/22/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • AZ
  • XXXXX
Web
Signed contract for XXXX dollars under net credit : deposit under different name.debits violating contract of biweekly debits on payment day; pulled a day earlier. Phone calls saying they can help me : because I was denied ; left voicemail XXXXdebits taken without permission since had to discover net credit was enova deposited funds ; very deceptive practice and acting without my consent by debiting since under contract I was not approved .will provide denial of credit
03/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 356XX
Web
In XX/XX/2016, I took out a loan of {$2100.00} From XXXX. At the time, I was not made aware of the interest rate, which is 64 %. Three months later, I entered into credit counseling, which included this account. They accepted the agreement, as evidenced by the attachment showing them accepting the payments as other. However, they are not adhering to the credit counseling agreement. They say that I still have a balance of over {$2000.00}, after paying {$2700.00} so far.
10/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 372XX
Web
I took a loan out on XX/XX/XXXX for {$1200.00}. Since then I have made 5 payments for the total of {$800.00} in which on XX/XX/XXXX it was confirmed by a rep that I made 5 pymnts. After making a payment as of XX/XX/XXXX my balance is {$1700.00}. When I go online to their website their records only show two payments, therefore I cant not keep track of my payments. Interest, and charge. I also received an email of a new disclosure with percentage changes and apr changes.
10/09/2023 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
  • CA
  • 90405
Web
My credit report is still showing late payments on ACCOUNT/S.Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/21/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30236
Web
I have a debt on my credit report reporting as opened on XXXX XXXX and reporting a new balance on behalf NetCredit that was closed XX/XX/XXXX from XXXX XXXX XXXX. This debt is not owed, in fact this debt was closed because I sent Net Credit an FTC packet along with police report showing Identity theft in XXXX to XXXX to which I was told that this account would not be a problem again. I have not since opened an account with Net Credit, Certainly not in XX/XX/XXXX XXXX
06/02/2016 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • TX
  • 75002
Web
I have explained to these people that my bank account was stolen and whatever money was put into the stolen account was not me. I have tried to reach out to them to work things out and even pay something even though I should n't have to pay. They call me all times doing the day to the point that I can not work. I do n't owe them anything plus I tried to work the issue out with them with no success. I have asked them to stop calling me or any of my family and friends.
09/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • XXXXX
Web Older American
CASHNET MADE A FRADULENT LOAN IN MY NAME IN XX/XX/2023, CHARGED THE LOAN OFF, THEN SENT TO COLLECTIONS WITH CONSUMER ADJUSTMENT COMPANY. I DIDN'T KNOW THIS FRADULENT LOAN EXISTED, UNTIL I CHECKED MY CREDIT REPORT. I DISPUTED ACCT THRU XXXX IN XX/XX/2023, AND RECEIVED FEEDBACK THAT ACCT IS ALLEGEDLY VALID. I HAVE NEVER APPLIED FOR, OR EVER RECEIVED ANY FUNDS FROM CASHNET. CASHNET REFUSED TO EXPLAIN OR DISCLOSE CREDIBLE PROOF THAT THE {$2600.00} BOGUS LOAN IS MY DEBT.
08/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19013
Web
XXXX XXXX XXXX has 2 payday loans on my credit file with XXXX as they stated in a letter there XXXX now or the same company. I have not applied for no on line loan with CNU or any other on line company or any pay day loan. CNU On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX & XXXX XXXX XXXX for and by I'm on OPT out and XXXX is using a another company to use deception with merges etc.
05/01/2023 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
  • 77320
Web
To whom it may concern, In accordance with the Fair Credit reporting Act, this creditor ( NetCredit ) has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose.
05/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 235XX
Web
When I signed up for this financial product, I did understand of these types of products have high interest rates. However, I was just emailed about an interest rate and transaction fee reduction. When looking at the new rate, I never really realized, or must have missed before, how exactly how high this interest rate is. 238 % APR and a transaction fee of {$5.00} per {$100.00} borrowed. If this is the reduced rate, I cant even imagine with the higher rates were.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23434
Web Servicemember
The company in dispute is NetCredit. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. NetCredit will not update my account with the credit reporting agencies. My current balance is {$1500.00}. NetCredit keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.
04/04/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 94928
Web
I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.
12/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 32822
Web
I make a payment in full in the amount of {$2400.00} the return item when I have sufficient funds in my checking account. They are trying to say the payment failed when in it didnt and funds are available to pay them off in full. They have already received {$1800.00} in payments from me in a {$2500.00} loan the loan went down {$15.00}. They wont stop returning my payment when I asked to close my account when I make the final payment to end business with them.
10/04/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • VA
  • 23505
Web
This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest
08/10/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33401
Web
XXXX XXXX XXXX is trying to scam {$590.00} out of me saying that it is owed from a company called CashNetUSA. They are saying that I am past due on a loan from XX/XX/2021. I have not used CashNetUSA in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!
04/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AL
  • 365XX
Web
I have a XXXX credit line. There taking XXXX every 2 weeks. It's averaging around XXXX a month. The problem is instead of the debt reducing it continues to rise everytime I make a payment. At the rate they are charging in interest I'll never be able to pay it off. I was unaware that there charging me like it's a pawn loan or something. I think I've been scammed. I went into my account and tried to find the actual loan contract but it was nowhere to be found.
03/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • XXXXX
Web Servicemember
Some one named XXXX XXXX tried to access my wife 's account and she is going " Who is this '' They have a lot of information about me, almost to much. I do not know who this company is. I have never even heard of them and why are they trying to access my wife 's account and she said she received a very strange number a couple weeks ago, but did not think anything of it. Please remove me and do not try to access her account again. She is very upset with this.
09/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 75217
Web
Ive attempted to call and email Net Credit to bring my loan account current. Net credit never answers the phone nor email me back. Net Credit doesnt have an option online to make payments or update automatic payment ACH information. Net Credit reported me 30 days past due and it made my credit score drop. I have worked hard to rebuild my credit and they need to fix the error. I do have emails to support that Ive tried contacting them. Please help me. Thanks
06/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 78130
Web
I applied for a payday loan for the amount of {$850.00} with the agreement to pay back {$1000.00} ( loan + interest ). Refinancing the task and postponing the payment two weeks resulted in a total amount of well over {$2100.00} due. This was XXXX this year and I am still paying it back due to an installment plan I set up over the phone, but the agent I spoke with could not give me a clear reason why I ended up paying almost 3 times the initial loan amount.
11/14/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • WA
  • 990XX
Web
these accounts listed below are fraudulent accounts that I did not authorize and I'm demanding that the accouns be deleted off of my entire credit report indefinity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance {$1900.00} Terms - On record until XX/XX/XXXX XXXX
08/09/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 73071
Web
Netcredit withdrew two amounts from my checking account when there was supposed to be one amount and did not have my permission to do so. On XX/XX/XXXX they took out {$62.00} and {$59.00}. They deceived me in saying they would take out one payment per month. They never took out more than that before. They have changed my payment amount to {$120.00} per month without notifying me. They took out money that was for my mortgage payment and not for this loan.
11/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OK
  • 74137
Web
My original loan was for {$2500.00}. They started off with a {$250.00} fee and only gave me {$2200.00} for a {$2500.00} loan. Now that I've paid for 3 months, I've paid a total of {$1300.00} and still owe {$200.00} more than I borrowed and they've made my XXXX XXXX score go from XXXX to XXXX. I had no idea what a rip off it was because it was recommended by XXXX XXXX. I'm furious and this shouldn't be legal. This is the definition of predatory lending.
04/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • XXXXX
Web
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of CNU Online Holdings Date : XX/XX/2018
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 08060
Web
Someone took a loan out in my name, they used my checking account and email address. Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.
08/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 241XX
Web
I withdrew {$1500.00} from CashNetUSA, and paid them back {$1500.00}, resulting in a remaining account balance of {$1300.00}. I have paid them back 100 % of the amount withdrawn and they claim i still owe 90 %. So what they are representing is in order to pay back {$1500.00} i will end up paying them {$15000.00}. Which means 1,000 % interest on loans! They have taken 7 payments in 4 months, XX/XX/19 - XX/XX/19, and will continue unless someone saves me!
07/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KS
  • 662XX
Web
I applied for this loan under the impression that it would have reasonable terms but have found that they illegally gave me too much by kansas law and the term date was too long for a payday loan, over a year. And even if it was not a payday loan they are charging too much interest ( 300 % apr ). On their website it makes it so hard to specify what type of loan it is and when i call they dont give straight answers and are unprofessional/disrespectful.
05/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28602
Web Servicemember
NetCredit has responded to my complaint under XXXX incorrectly. Through their response I was identified multiple times by NetCredit as XXXX XXXX. I do not know of a XXXX XXXX, nor am I that person. NetCredit has proven their records about me to be inaccurate as per their statement to the CFPB. Their system is fallable, as it was also scammed by the same individual who scammed me. Please remove the tradeline as you have proven yourself to be in error.
12/02/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • KY
  • 42701
Web
The company, net credit by XXXX XXXX, charges interests and fees that make it very difficult to pay off/pay up the loan. I have paid well over {$1000.00} and still owe well over the line of credit amount. To date I have paid back {$1100.00} to the XXXX credit limit. I still owe over {$1800.00}. I attempted to contact the company to request any hardship assistance to which they responded they do not offer payment reductions or interest reductions.
05/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AL
  • 35405
Web
I am the victim of identity theft. I reached out to this company to inform them of the issue to no avail. I have filed a police report as well as an identity theft report with the federal trade commission. Net Credit will not remove this account from my credit and go after the scammer. The date this account was opened is XX/XX/20 with a current balance of {$7500.00}. This is absolutely ruining my life. Please find the scammer and prosecute them!!
10/19/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29301
Web Servicemember
Cash-net USA keeps calling my phone trying to collect a debt that I do not owe. Have not even been in contact with CashNet USA for a loan. They called 6 times today and restricted their number once to leave a voicemail. I am asking them to not contact me period. I do not have any loans with CashNet USA. If they continue, I will seek legal counsel and pursue litigation. If they think I owe the debt, the MUST validate the debt and follow the laws.
03/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30043
Web
The company NC Financial has been reporting on my consumer report incorrect information. It's reporting as a charge off and a collection at the same time. But doesn't show who owns the account currently. This is a violation of the FCRA 1681s-2 as they have the responsibility to furnish accurate information to consumer reporting agencies. They also have not complied with the FCRA and replied to my requests for validation per 15 U.S. Code 1692g.
02/25/2021 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 631XX
Web
Today, XX/XX/2021, the company contacted me from the number XXXX. I asked who was calling before giving my identity ( since Ive heard some scammers use audio recordings of phone calls ), and they said they were from XXXX ( or something that sounded like XXXX ) After confirming my identity, they said instead that they were debt collecting for CashNetUSA. I believe they improperly identified themselves, which, to my knowledge, is against the law.
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33313
Web
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
12/31/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45211
Web
I received a notification on XXXX XXXX a credit reporting app and it stated that I owe {$390.00} dollars from a company name Cash net USA and Ive never used this company nor do I owe them any money. Its being reported on XXXX, XXXX and Im not sure if its on XXXX. I would like this company to remove this debt because its not mine nor do I owe them anything. I havent received anything in the mail yet but nor any communication through telephone.
04/28/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MD
  • 20646
Web
debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 366XX
Web Servicemember
In accordance with the FCRA XXXX XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
12/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • DE
  • 19973
Web
Account opened with company on XXXX XXXX XXXX, with my social security number which is also my credit card pursuant to 15 USC 1602. I am notifying the company of a billing error on all past, present, and future statements. The company has failed to credit properly my consumer account. I am making the company aware of their requirements as a creditor and I do in good faith expect them to resolve the billing error as the federal law describes.
10/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92562
Web
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an extension of credit account under an open and consumer credit plan as late for any purpose.
02/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91733
Web
I called XX/XX/2020 to find out my balance. I have paid 16 payments of XXXX and my balance is the same. My balance is not going down. I understand they want to make a profit but they want to double the amount I owe. I need to settle this debt but I need help because it is never ending. They have the following address listed on web NetCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL.XXXX. They debit my account monthly on the XXXX. XXXX XXXX XXXX
06/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 23238
Web
I disputes Net credit account credit account which is over seven years on my XXXX credit reports and XXXX said it was verified as accurate. I am trying to get clearance job and was rejected because of this. I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Net credit keep reporting inaccurate information on my account and they need tot stop.
12/09/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 290XX
Web
On XX/XX/2020 I received a call on my work phone after the representative identified themselves I informed them this was my work number and I am not allowed personal calls on this line. I have received several more calls since that date on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 I would like these calls to stop as my advising them personal calls are not allowed per my employer 's policies and procedures.
08/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Other advances of future income
  • Issues with repayment
  • HI
  • XXXXX
Web
I called XXXX XXXX on XX/XX/2023 to tell them I couldn't pay the repayment installment due tomorrow. I spoke to XXXX, who said it was past the deadline to ask for an extension. She said you have to do it at least XXXX business days before the day of repayment. I asked her where it says it in the contract I signed. She said it doesn't exactly say that. I asked for a supervisor. She placed me on hold longer than XXXX minutes so I hung up.
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • UT
  • 843XX
Web
NETCREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Ext.XXXX This company pulled an inquiry on my XXXX report. I did not authorize this to be pulled and when I tried to call the company on XX/XX/2021 it was an automated system, When I got through to someone they hung up on me. I call 3 times before chatting online with XXXX. They told me to file a report and here we are. I want this removed from my credit report.
04/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48038
Web
NetCredi.com accordance with the fair act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose.
08/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35603
Web Servicemember
Net credit is reporting in correct information on my report and I have disputed several times, reached out to them by email several times. This is what you are falsely reporting. The updated balance, paid off amount, balance, status saying past due 180 days, the late payments. They are reporting the payments as not current and the current payments, are current. This account has been agreed to settle. I have been disputing for months.
01/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30294
Web
The inquiry was made on XX/XX/17. The loan amount was {$4900.00} at a interest rate of 58.65 %. I was coming out of a divorce trying to make ends meet. I have called several times trying to get refinance or even a settlement option. Everyone that i spoke to gave me and answer saying that don't know those options or the system will tell us when your eligible. I have been paying on the this loan for over a year and still owe {$4000.00}.
07/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91739
Web Older American, Servicemember
these types of loans are predetory i am in a repayment plan with them for my account # XXXX and even this payment plan is only payiny interest nothing going toward principaly. they still want 541 a month whihc was being paid consitent until ebenfts got cut since them i have had a death the the family and im willing to repay t but need to make pyaments once can fford not payments that are insterest only and are not getting me anywhere.
12/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • DE
  • 19977
Web
Re : NetCredit false Statements To Whom It May Concern : Below are screenshots of me continuing to receive false statement email notifications when my loan has been paid off since XX/XX/2020 and I didnt take out any additional loans. I also sent NetCredit an email on XX/XX/2020 to stop sending me emails because I dont have a balance, but I didnt receive any response and continue to receive email notifications. See screenshots below.
10/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 95677
Web
My original loan was for XXXX XXXX. Im now in collections for Past Due Amount {$14000.00}. I have asked for interest and late fees to be dismissed as well as making a settlement offer. The company is unwilling to help with these requests. My loan amount keeps getting higher and Im unable to catch up. I cant make this loan payment. Its affecting my credit and ability to move in any payment resolution. Theyre sending me to collections
05/18/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 45069
Web
I was contacted by phone and text from XXXX XXXX XXXX about an XXXX XXXX account. They sent me threatening text which I will upload saying if I dont contact them today it will be a direct refusal on my voluntary option meaning to me sue or other extreme measures when they didnt even mail me a letter or validate debt etc. they also called me and used same language with veiled threats they are not licensed in my state to collect debt
02/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 76028
Web
I received an email stating that my loan was approved on XX/XX/2023 and expect my funds to be deposited into my account. The funds of {$1000.00} was deposited into my account on XX/XX/2023. I did not apply or request any type of loan from Cashnet USA. I contacted CashNet USA to let them know I did not apply for any loan and they stated they will reverse the funds out of my checking account and close this account with their company.
08/28/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • UT
  • 84606
Web
This company northwood asset management has repeatedly contacted me and other 3rd party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
10/22/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MO
  • 63146
Web
I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission
05/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30314
Web Older American
they take small amounts towards the loan and a huge amount for their interest which makes it hard and a long time to pay off the loan they are reporting me owing much more then I borrowed on my credit which is hurting my credit I have tried to talk to them to take more towards the loan and less in interest with no success I feel this is unfair lending and a trap for XXXX to get consumers locked in a long term loan ... PLEASE HELP
06/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70785
Web
On some day in XXXX, one of my accounts was hacked and i had no knowledge of anything until I received an email and a phone call from one of my banks saying my account is being closed due to overdraft from a loan that they had no knowledge of & so did I. I immediately contacted the loan company and they werent helpful at all Ive submitted a police report 3 times & I am not getting anywhere. amount : XXXX account XXXX XXXX XXXX
04/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30019
Web
In accordance with the Fair Credit Report Act XXXX, Account:XXXX, NET CREDIT, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is a fraudulent account, I don't recognize this account and never applied for credit with this company.
10/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 29063
Web
I borrowed money from this company but I can not afford to pay it back with the high fees. My checks were garnished from federal and state level and a levy is on my home. I have given everything out of my accounts and I have monthly payments garnished for the next few years and a levy on my home. Due to obligations with the government, I ask to pay pennies on the dollar for original amount borrowed. I really have nothing left.
04/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}.
07/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91784
Web
These people are charging me a usury interest rate of 500 % and I was not told about it .I am XXXX years old and on social security. I told them that I can not make payments of {$800.00} 0 per month because I only get {$2100.00} to XXXX XXXX and XXXX XXXX on XXXX/XXXX/2017. I will be XXXX when this thing is paid ... .the account number is XXXX their web site is www.CashnetUSA.com Phone number is XXXX Please help me XXXX XXXX
05/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 22601
Web
I was issued a 37 month personal loan by XXXX XXXX for the amount of {$1700.00} in XX/XX/2017. The current remaining balance is {$1500.00}, Ive been making payments of $ XXXX monthly for 11 months ( on time ). The interest rate on this loan is astronomical, I signed up for a 37 month loan and at this rate it is going to take over 120 months to pay off. How can one term of my loan so heavily contradict another? Is this legal?
08/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • XXXXX
Web
I am just sending in this notification to let you know that I have notified CashNetUSA with all of the necessary documentation to stop taking ACH payments from my account. So as of TODAY AT THIS TIME THEY HAVE FORMALLY BEEN NOTIFIED VIA EMAIL. I WILL ALSO BE SENDING THEM A LETTER VIA XXXX MAIL THAT I WILL PERSONALLY SIGN. IF THERE ARE ANY OTHER ACH PAYMENTS TAKEN FOR MY ACCOUNT I WILL CERTAINLY BE IN TOUCH WITH YOUR AGENCY.
12/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94501
Web Older American
I applied for a refinance on a XXXX dollar loan they ended up changing it to a payday loan ended up getting XXXX hundred more with a outrageous interest nothing of the sort was indicated at the time of application I called to cancel the additional amount added to the loan they told me I had to pay the total balance in full in order to cancel the contract there was no cooling off.All the loan amortization was after the fact.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63136
Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • TN
  • 37311
Web
XXXX XXXX has called me in the last three months from MULTIPLE 646 exchange numbers. Saying press one to be removed, calling from a recorded line. I ALWAYS REQUEST TO BE REMOVED. PRESS 1. YET THEY CONTINUE to call. It is at least 10 times a day. It is absolutely ridiculous. I have texted stop I have looked for a website to be removed there is not one I have put my number on the do not call registry Please make them stop
05/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NJ
  • 07601
Web Older American, Servicemember
I understand when under duress I will do what is necessary and needed to stay solvent. I did not completely read the fine print only to find exorbitant monthly payments but the terms of the loan is for 60 months and interest rates beyond reasonable. I have a modified payment plan for $ XXXX while my credit reports are showing 90 days delinquencies and the current total is {$7500.00} with a principle amount of {$5800.00}.
10/15/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55901
Web
I am guessing this is either a fraud or Its a paid debt. They said it is something being held after my social security number and That to have to submit my document at court. They also refused to send me documentation to my new address. The woman was very rude and was using my address from XXXX. She also claimed I took out the loan XXXX which may have been possible that is when i had My last job before I filled for XXXX.
05/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • OH
  • 44087
Web
I made a payment on XX/XX/2020 to pay the balance in full. I received a confirmation email advising that I paid the balance in full and they still charged me {$56.00} on XX/XX/2020, In which they told me I had to pay this amount even though my account was already paid in full. I overpaid and now they refuse to issue my refund, even though I have an email from them confirming that I paid my balance in full on XX/XX/2020.
05/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NE
  • 68516
Web Servicemember
I never had applied for a personal loan from Net Credit of XXXX. I first learned when I received a collection notice for {$5100.00} on a loan I never made nor received a XXXX. Several attempts were made and no action was taken. Someone somehow stole my personal information to get a {$5000.00} loan. Again, this company did nothing to help me or take the negative collection reports off the 3 credit reporting agencies.
07/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 44221
Web
I told CashNetUSA I needed to adjust automated payment dates due to income date change. I was told the dates couldn't be changed and I'd have to request 2 days before payment to have it moved every 2 weeks. I contact them as instructed and they have ignored the request due to improper response i.e. I didn't respond with I Agree or yes, or they " didn't receive '' request. This has caused my bank account to be overdrawn.
09/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AL
  • 359XX
Web
I applied for a loan on XX/XX/2020 with netcredit. The advertisement online states that all credit types are accepted for quick and easy loans. I put in an application and was denied because of factors that made my credit score lower. So the overall reason for denial was my score itself. I feel stressed out enormously over an advertisement that stated quick and easy but has not been quick or easy and falsely advertised.
11/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • VA
  • 22030
Web
I received 3 emails from NetCredit claiming that I opened and signed for an account which I did not.This is clearly not just marketing since they claimed I signed for this account in their second email, yet their third email says something about my loan offer is ready ... If this is marketing, it is predatory or at least misleading. If it is fraud it is even worse ... There is a New Inquiry reported on my credit score.
10/23/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • TX
  • 75287
Web
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
10/23/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
10/12/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MD
  • 21244
Web Older American, Servicemember
I began by requesting a {$500.00} cash advance from CashNetUSA in XXXX. Cashnet subsequently deposited an additional {$300.00} into my XXXX checking account without me requesting it. CASHNETUSA has withdrawn over {$1900.00} in fees and interest as " repayment '' and there is a remaining balance in excess of {$300.00}. This is nothing more than a loan sharking operation which has assesed over 300 % in fees and interest.
12/10/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 230XX
Web
I took a loan XX/XX/2018 with Cashnetusa. The company did not try to work with me at all when I lost my job. The sold my account to this company and now getting harrased from all different numbers because I cant afford to pay the loan back. My balance increased from XXXX to over XXXX. I need help. I dont owe this amount and they should write off the balance. 8 found out that cashnetusa is not legal in the state of VA.
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30316
Web
I am currently enrolled in a credit counseling and debt consolidation program through XXXX, which Net Credit signed and agreed to, but Net Credit financial solutions continues to report late charges and charge interest to my balance due that is not what they agreed to. It is making my debt and credit score worse, and supervisors are having a difficult time getting communication and compliance from the credit company.
06/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23224
Web
I obtained a XXXX loan in XX/XX/2019. Since XXXX I have had almost XXXX deducted from my bank account and the balance is still over XXXX. Each time I call to get an answer regarding the balance and the terms of the loan I'm told its not a set time limit and to pay it off asap. I asked if this company was licensed in Virginia to do business which is my state of residence and was given an answer that didn't make sense.
04/11/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 230XX
Web
XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
06/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • NJ
  • 07111
Web
Hello, On XX/XX/XXXX of 2022, three unauthorized transactions were made on my XXXX XXXX account. A transfer amount of {$54.00}, {$100.00}, and {$100.00} was taken from my amount which I did not do. It was done through remmesa, XXXX XXXX XXXX with the pickup location being called XXXXXXXX XXXX XXXXXXXX. I have just closed my card as of today XX/XX/XXXX but my bank can not do anything until the money is done pending.
04/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NM
  • 883XX
Web Servicemember
I have been caught in a financial crisis for several months due to unexpected emergencies last year. NetCredit seemed to be a helpful source until recent financial education and counseling I received. I was also informed that NetCredit is in violation of the Military Lending Act. I have contacted NetCredit twice and have yet to received any return correspondence or assistance. What are my options in resolving this?
09/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 374XX
Web
I took out a loan of {$2100.00} on XXXX, I had moved jobs and the new job fell through, the loan was used to pay rent while I found another job. I have paid back $ XXXX and to settle the loan today, they want $ XXXX, this is between 400 % and 500 % interest and can not possibly be legal. I have saved PDF copies of my transaction list from their website as I believe they do not supply this once you have settled.
07/12/2023 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
  • IL
  • 60615
Web
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
08/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 35007
Web
Installment loan was taken out on XXXX {$2000.00} over time I have made a {$200.00}, XXXX, and XXXX toward the loan and have paid over {$1400.00} in Apr, and fees. Leaving me with a total payoff balance as of XX/XX/2019 in the amount of {$1900.00} owed to cashnet to leave me at a XXXX balance. How is that legal? I cant put food on the table or keep a roof over or head at the rate Im going. Please help. Thank you!
09/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OR
  • 974XX
Web
On XX/XX/XXXX I sent email to cashnetusa stating that I was revoking ACH permission to them because I could not afford to pay my bill at this time. The company sent an email back stating that they received my ACH permission denial email and that no more electronic withdrawals would be from my account. On Friday XX/XX/XXXX they withdrew XXXX from my checking account. I want money credited back to my account, stat.
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NM
  • 87144
Web
On XX/XX/2021 I noticed there is another inquire that I did not recognize, from XXXX Details as below : NETCREDIT FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.
12/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95823
Web Servicemember
I borrowed {$2600.00} with a {$160.00} bi-weekly payment. Over the last year, I have paid back over {$4200.00} and still have over a {$2000.00} balance due. I have proven that I can pay back the loan, and I shouldn't have to pay back another {$4200.00} over the next year to pay this off. I hope NetCredit can see their way that this is a predatory loan and I have more than paid back my loan amount with interest.
03/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WI
  • 532XX
Web
First, payments were deducted in triple and double amounts. Then, when I canceled auto payments and asked for a payment plan, was denied. Cut to two years later ( when they finally decided to get in touch with me ) I '' m all of a sudden being told that I can get on a payment plan - which I replied to - never got a response. Then I was told my debt was sold, and now I'm being threatened with wage garnishment.
01/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 291XX
Web
On XX/XX/2018 I took out a loan for {$1300.00}. I have been paying {$100.00} since then and continued to borrow in a bad choice cycle. I have paid about XXXX since then. I am attempting to work with consumer credit counseling but they do not work with that agency and they have access to automatic withdrawals from my account. I can no longer afford {$400.00} a month to pay them and am trying to pay my bills off.
11/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 294XX
Web Older American, Servicemember
I keep being told that the payment amount will be different every month. No explanation as to why. I took out a {$650.00} loan on XX/XX/2023. As of this date XX/XX/2023, I have paid Cashnet {$920.00}. They say I still owe over {$500.00}. I am XXXX years old and having a hard time understanding how I can possibly still owe so much and don't understand how they can keep changing my payment amount. Please help.
02/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • MO
  • 630XX
Web
The company was informed several times to remove this number from their system because it's an automated call that just fills up the voicemail. I requested them to remove the number they refused cursed at me and hung up. Refused to let me speak to management. I don't want further automated calls from this company. I asked on XX/XX/XXXX to be Removed from their call system to stop calling. They keep calling.
03/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92683
Web
I am a victim of fraud. While checking my credit report, I noticed a collection of {$7600.00} from 12 NETCREDIT by XXXX XXXX. The account was open on XX/XX/2019. I never applied or received any loans or credit cards from NETCREDIT. This is the first time I become aware of this change. Never received any statements, letters or any other form of notifications from NETCREDIT concerning this fraudulent account.
05/03/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 290XX
Web Servicemember
They call my office number XXXX times a day. I have informed different persons on the line a total of 4 times that the person they are trying to reach is not at that number and they need to delete the number. I have also clicked the option of " if this is not the person we are trying to reach '', but they still call. They have told me that they will delete the number, but continue to call every single day.
07/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30115
Web
I want to change my method of payment from ACH and the company does not have an option on their website to do this. I have sent emails and they will not respond. I have called the customer number listed on their website and have been on hold for as long at 40 minutes but no one answers and it automatically disconnects. There is no way to reach a person at this company or conduct business on their website.
02/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 631XX
Web
XXXX XXXX is falsely reporting that I have an account with them for the original creditor Cashnetusa. I have no contract nor any business with XXXX XXXX or Casn net USA. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
04/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • WA
  • 98001
Web Servicemember
Hello I XXXX XXXX XXXX have not applied for a loan or tried for a long time and this is a payday loan company called CashNet USA. I have not to pull a business or personal loan at all and would all say there is a guy as well trying to still my company name? I am reporting these issues because this particular company or person ( s ). Are trying and keep trying to still my business and personal information.
02/17/2022 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
  • Their investigation did not fix an error on your report
  • SC
  • 29414
Web
I need to report NC FINANCIAL for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/2021 to XX/XX/2021 but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617.
11/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93313
Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on NET CREDIT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
02/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30214
Web
XXXX XXXX I called in to make a payment on the loan I waited 20 minutes the first time then someone hung up. I called back a XXXX answered the phone I told her I wanted to make a payment over the phone on my account she said for and then hung up the phone. The voice mail comes on and say I have to wait another 11-16 minutes. My payment is due today and this company is preventing me from making a payment.
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93619
Web
In accordance with fair Credit Reporting act Net Credit account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
12/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MN
  • 55369
Web
I applied for a loan online thru their site to get help with my credit consolidation I sent over all my personal info and filled out the application. I never heard anything back from them. Have called SEVERAL times and no one answered. and emailed also!! No one will get back to me. I do not trust them and do not want the money at all anymore. Unsure what they did with my info and how I can move forward.
05/09/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43214
Web
This XXXX company has now reopened my closed account that was {$0.00} completely paid off ( dispute from XX/XX/15 ), added the entire principal balance back ( XXXX ), and attempted to charge me 3 TIMES! They have me listed as a delinquent payment. I have given them 1 week before I take them to court, as this is strike 3. Please light a fire under their XXXX If this affects my credit I swear to XXXX.
12/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 297XX
Web Older American
On XXXX I got a loan for {$1000.00}. My payments were {$170.00}. I checked on line on my account after the payment was drafted out of my bank account. The monthly payment jumped up to {$330.00} due on the XXXX day of XXXX. These people are a rip off and need to be investigated. I am on a fixed income and can not pay {$330.00} a month. I only get {$1400.00} a month. Something is wrong with these people.
06/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92399
Web
I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.
11/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 32904
Web
I received a debit card from XXXX XXXX in the mail. I never opened an account with them. I called and they closed it down. Also someone applied for a loan with NetCredit on XX/XX/2022. I have contacted them filled out a police report, and faxed the information to them and XXXX. They also changed my XXXX XXXX account. I have the new email that was used. also the address used when applying for the loan.
09/15/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 32822
Web
A call was recieved concerning collecting a debt on behalf of cashnetusa. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of Cashnet. I was told I had XXXX hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. Here is his contact infoXXXX XXXX XXXX
06/30/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • OH
  • 441XX
Web Servicemember
A company named XXXX XXXX XXXX sent me a letter demanding payment on an unverified debt, claiming to be a law firm who has already reported the debt to a consumer credit bureau ( XXXX ) and filed a lawsuit in my local court. Furthermore, XXXX XXXX XXXX is attempting to collect on a debt which they admitted by reference, is over 9 years old, which is well beyond the Statute of Limitations in my state.
05/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28602
Web Servicemember
At 120 days late with Netcredit, Netcredit was aware I could not pay. Netcredit then conducted financial abuse to me by letting XXXX percent interest to balloon out for a long period in order to take a large tax credit at a percentage not allowed by the usury limit of the state of Florida, which set to prevent predatorial lenders. Netcredit knew I couldn't pay and used that to financially abuse me.
08/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 97203
Web
They are taking 2 very large payments automatically from my checking account that I was NOT told they would do and are charging outrageous fees I was not informed of. The only fee I was informed of was a 10 % payment once a month. I would have NEVER accepted this loan under these terms!! I now can not pay my other bills and am going to close my checking account so they can no longer have access.
01/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30161
Web
I borrowed {$7600.00}. I've made payments totaling {$6500.00} since XX/XX/2019. I've just recently inquired as to my remaining balance. It is {$6800.00}. I re-reviewed my loan contract and the terms are very different from what I signed up for. Here at the listed terms. APR 57.81 % Finance Charge {$15000.00} Borrowed amount {$7600.00} Total payments {$23000.00} I reached out with no response.
04/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MI
  • 48209
Web
I applied for the loan for the 1st time on XX/XX/2019 for an emergency dental appointment. I applied online for {$100.00}. On XX/XX/19, there was a message saying that I need to provide more information. I signed the application for the second time. Still on hold. This morning I logged into my account and it is still processing. I had successfully repaid my loan last week without difficulty.
03/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 377XX
Web Older American
on XX/XX/XXXX I received a call from customer service telling me that I had been approved for a XXXX XXXX loan. I was in dire need and I requested the money. On XX/XX/XXXX a payment of XXXX and some few cents was withdrawn from my checking acct.for payment. I now owe these people over XXXX. I sent a message to cancel this account but didn't get a reply. This is nothing but a scam on poor people
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53220
Web
I recently submitted claim # XXXX, which was closed back in XXXX of 2022. The complaint was issued as NC Financial had not responded to my correspndence over a long period of time. As of today, the balance due for my loan, account # XXXX, is still incorrect. The balance has been at {$2900.00} for some time, and I am requesting that the balance due be updated every 30 days until paid in full.
10/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21217
Web
Net credit is not providing update information to my credit report. Net credit shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
04/19/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 907XX
Web Servicemember
I took out a loan and was told that there was no pre-pay penalty, the loan was for {$2600.00} at a rate of about 184 %, I paid near ly two thousand in one m onth and instead of them taking the face value, they took off the back end of the loan, charging me still $ XXXX + a month, when I should have been charged the interest on the remaining amount. The loan wash from CashnetUsa. Help me.
06/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NJ
  • 07747
Web
I applied for a loan of XX/XX/23 after receiving an emailing stating I was prequalified. I applied and was approved for an installment loan of {$4300.00} and a LOC over XXXX. I decided the installment loan and went forward with signing of a contract. I was given a loan no and an acct # Loan No. : XXXX Account ID : XXXX. This company then did a hard pull on my credit file with the bureaus.
06/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • ID
  • 836XX
Web
This is a predatory loan. The interest rates and cash advance fees they charge people that are struggling make it impossible to pay back. The rates are predatory and don't fall under the Fair Lending Act. The interest rate is 299 % with a cash advance fee that is 25 % of the advance amount. Due to the predatory acts or this company, I was unable to pay my loan and it went to collections.
03/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • FL
  • 32828
Web
Hello I paid this line of credit off during the closing of my house, they charged a late fee after the closing. I believe the account to be closed so I had no idea I was charged this fee. The account was sent to collections for a {$60.00} fee. The collection agency refuses to remove the item I've sent my closing statement proving title got the payoff amount and paid the debt at closing.
11/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • IL
  • 601XX
Web
This company is reporting inaccurate information to the credit bureaus in regards to this account they are not reporting factual data. If the same company is reporting the same information the credit bureaus then there should not be any inconsistencies in the reporting. This is a violation of the FDCPA and the FCRA. Attached is verification of what is being reported on my credit report.
01/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 20109
Web
A company called cashnet has provided me a credit of {$1000.00} and have been taking over {$200.00} every other week. Specifically : {$240.00} on XXXX/XXXX/XXXX ; {$250.00} on XXXX/XXXX/XXXX ; {$270.00} on XXXX/XXXX/XXXX ' My account # is XXXX. The credit still stands at about {$1000.00}. I should be grateful if the Bureau could investigate and resolve this matter. email : XXXXXXXXXXXX
08/20/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • VA
  • 23505
Web
The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour
04/06/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63385
Web
Received a collection letter from CashNetUSA mailed to my home with my name and address. I have never done business with them nor would I ever take a payday loan. When I called to inquire, they pressed for my personal information, which I refused to answer. They would not provide any details unless I gave them my personal information, which I refused. They claim I owe them {$2800.00}.
02/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89084
Web
XXXX XXXX XXXX XX/XX/2021 hit my credit file on XXXX 6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states
09/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63385
Web
NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information.
08/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 23224
Web
They gave me a line of credit for {$1300.00}, and I made XXXX payments of XXXX semi weekly and my balances is XXXX, I wonder is they subtracted the money I paid XXXX email them and also talk to a representative about this matter, they is overcharged me in interested. Been making payments ever since XXXX of XXXX, could you look in to see if there are fraudulent interested fee .Thanks
11/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MS
  • XXXXX
Web Servicemember
I had a loan with cashnet before and paid it when I tired to reapply it kept saying they are unable to verify who I am therefore each and every time after this my loan is denied. They are using a system they are not telling people that you can fix so when they are denying you you can not fix whatever error they are getting off the report therefore the consumer will always be denied.
05/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • SC
  • XXXXX
Web Servicemember
On XX/XX/2016 I was approved for a personal loan with NetCredit. I was unaware of the future circumstances and took out a very high interest loan, 99 % interest on a {$2000.00}. I have become a XXXX veteran and unemployed at the moment due to my condition. The total amount that I will be paying back on a {$2000.00} loan is {$7800.00}. I have been paying on this loan since that date.
03/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 71291
Web
I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment!
03/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21206
Web Servicemember
On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.
04/10/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 775XX
Web
XXXX phoned me to collect on a loan taken out in my name from an online cash net on XXXX XXXX 2014. They had my ss number part of my birthday my physical address, phone number, my daughter 's drivers license and my simulates email. They deposited the money into her bankaccout. I believe my soninlaws did it. How could they processed it without my signature? I made a police reported.
10/11/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • MD
  • 20601
Web
The lender withdrew funds from my bank account a few day from the normal pay date. When I called I was informed that due to the holiday they redrew the funds earlier and it resulted with my account being overdrawn.. I also looked over my payment history dating back XXXX 2016 up to XXXX and noticed that I am paying more when my previous balances were less and my payments were less.
03/25/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 210XX
Web
I had fraudulent activity on my checking account for which my bank continually hit me with overdraft fees. Right around XXXX, in a moment of desperation, I signed up with CASHNET XXXX. Since my bank account went underwater, they have been sending me notices with all different amounts due on them. Every phone call I receive quotes a different balance due. I do n't know what to do.
05/20/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28602
Web Servicemember
Upon validation, Netcredit updated it's information with XXXX, proving the data in their computer system has been unreliable, inaccurate, and incomplete for years. The very fact, they had to update with XXXX proves their data unreliable, incomplete and inaccurate. According to the Fair Debt Collections act, items either incomplete or inaccurate may not remain on a credit report.
12/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 76227
Web
On XX/XX/23 I got an email regarding a loan application I didnt apply for. I contacted the company and they will not provide me any information on who applied for this loan. They have a bank account on file ( XXXX XXXX XXXX XXXX XXXX ) which is not my bank. I want the routing and account number so I can find out who applied for this loan and press charges against that person.
11/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MO
  • 65803
Web
XX/XX/2019 someone requested a loan from Cashnetusa.com in the amount of {$1500.00} which I didn't requested but my information was used to deposit it into my account. I tried to contact customer support and have them stop the loan but it had already been transferred to my bank account. I was put in poor credit status because of not paying that loan back that I didn't request.
09/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20746
Web
Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.
09/18/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92563
Web Servicemember
While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.
07/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 704XX
Web
I pay XXXX a month twords my loan. Moved my payment of XXXX to the XX/XX/XXXX. Now there trying to charge me XXXX Monday for no reason. I'm not late on any payments and you can not get incontact with the company. They don't answer phones. Emails or socal medias. I owed XXXX now it's jumped to XXXX. I only borrowed XXXX. You can't get a hold of anyone to figure anything out.
03/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • VA
  • 237XX
Web
I asked for the amount of time it would take my loan to be paid off making the minimum payments with no further advances. They have refused to tell me. They say, their system won't calculate it. It is a small loan of {$2000.00}. I pay {$540.00} per month. so it should be easy to calculate. I think this is unfair lending practice. They locate me by my telephone number XXXX
04/23/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MI
  • 483XX
Web Older American
yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me
02/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 71291
Web
My balance clearly states I owed the Amt XXXX and was paid! I should not be paying additional interest when I paid off the loan. The XXXX should have been applied all to my principal balance!!! Netcredit in now showing I owe another XXXX, when I have screenshots that my balance was XXXX. Please adjust this to my principal balance! This payment makes the loan paid in full!
08/30/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23434
Web
I had lost my wallet around the time the loan was taken out which was XXXX the loan was taken out I lost it the previous week the birthday on the account not right and I know my social security card was in there and I had to get everything replaced I never received any payment from cash net usa I dont bank with XXXX XXXX I bank with XXXX XXXX for the amount of {$2100.00}
10/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • 90046
Web
Cashnet USA claims a payday loan which is not mine, I sent it Id theft affidavit, they responded that XXXX my responsibility I filed additional complaints as requested proof of loan docs that they had 15 days to provide and did not, I asked them to remove again XXXX/XXXX/XXXX, and have not contacted me with status and left several voicemail response with no return update
12/19/2019 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37931
Web
I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.
12/19/2019 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37931
Web
I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.
11/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 94510
Web
Net Credit Financial my last payment, XX/XX/2019. ( XXXX ) i reported to them I have been affected Disaster/covid 19. Which shows on my credit reports lates for over 2 years. I have been trying to settle or work out an arrangement but they are not willing. However this monthly lates is hurting my score. They have told me they would not report but it keeps happening.
02/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91764
Web
Loan provided was for {$3800.00}, total loan payment is close to {$12000.00}. I already paid {$4800.00}, I called the company in XXXX to discuss a pay off amount, which I was willing to do by paying an additional {$1500.00} to close the account. They refused and told me the only payoff amount is the full loan amount including the interests, which is about {$7900.00}
04/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • XXXXX
Web
My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called CNU Online Holdings for an alleged payday loan. I have never had a payday loan from any company yet XXXX stated that it had been verified without providing any tangible and legal proof. My contact at XXXX is a lady named XXXX and her number is XXXX.
04/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70114
Web Older American, Servicemember
I borrowed {$1500.00} from the company. Know as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. So far I have had my account debited for about {$3100.00} and company says that account balance is {$1300.00}. I feel that interest was too high. I went to XXXX bank and got very little help. They gave me phone numbers, but I've had very little success talking to a live agent.
09/18/2018 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
  • CA
  • 939XX
Web
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. Thank you.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20020
Web
The company Netcredit has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32305
Web
I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my XXXX account should be frozen. I am attaching screen shots of my XXXX and XXXX report. Per XXXX you will see if is showing 2 hard inquiries. Per XXXX you will see 1.
10/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • XXXXX
Web
XXXX XXXX violated Section 1026.18 of Regulation Z when they provided me with an amortization schedule at origination that was not reflective of the actual terms of the loan. XXXX XXXX disclosed a regular amortization schedule ( attached ) while in actuality they apply payments to interest first. This is a misleading and deceptive act which violates UDAPP.
11/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • TX
  • 77627
Web Servicemember
I have emailed the company several times requesting information on what the Debt-income ratio is, minimum income for the loan amounts, the verification process for loans, and I can't get an answer. The only response I get is that signed the papers and it's what I owe. I will say this if I was given a loan I can't afford how can I be expected to pay it back?
11/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • TX
  • 77627
Web Servicemember
I have emailed the company several times requesting information on what the Debt-income ratio is, minimum income for the loan amounts, the verification process for loans, and I can't get an answer. The only response I get is that signed the papers and it's what I owe. I will say this if I was given a loan I can't afford how can I be expected to pay it back?
03/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30213
Web
Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by NETCREDIT ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file
09/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92832
Web
Net credit put a delinquent account on my credit, when the balance was actually paid in full three years ago. The company now has a Derogatory account on my credit and the information is incorrect. I tried emailing the company and calling with no response. This misinformation dropped my score over 30 points. I can provide proof my account was paid in full.
01/27/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 22408
Web
I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.
06/02/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73110
Web
I got notification via XXXX XXXX that a new debt was placed in collections ; I had no knowledge of this company listed on the debt ; I called XXXX who advised me a loan was taken out via the internet in 2010 ; I have never received a bill, notice, or any attempt to collect. the debt was then sold to a creditor as the 7 year timeframe was ending.
10/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32803
Web
I was in a financial burden, I had applied obtained and repay multiple loans with NetCredit but it wasnt until recently that I understood interest rate. I XXXX and in Florida the interest rate NetCredit has and I have been paying is not legal. I need some help and direction please its affecting my credit and its a financial burden. Thank you in advance.
04/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91737
Web
The following accounts show on my credit report, I do not owe money to these companies I'm asking for immediate deletion Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ). Delete the NC FINANCIAL account ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX account ( # CAxxxxxx, opened XX/XX/XXXX ). Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ) v
03/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 76092
Web
I received a {$1500.00} payday loan from CashNetusa. I've made the following payments totaling : {$1000.00} : The balance on the account is {$970.00}. This is a scam. XX/XX/2022 Automatic Payment ACH {$260.00} XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid
10/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30022
Web Servicemember
There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
02/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 76051
Web
I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NC
  • 28215
Web
I have disputed these accounts several time with the credit bureaus & creditors but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.
06/03/2023 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 31419
Web
On XX/XX/XXXX, I took a look at my credit report and I saw some things that I didnt know of. I filed a police report. in XXXX I had my personal belongings stolen from me then one day Money was taken out of my checking account. I filed a report with my bank and I got it changed. Money was taken out my bank account every two weeks and I didnt know of it.
08/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • SC
  • 29710
Web Older American
They gave me a payment schedule n the amounts in writing prior to me signing up with them! I told them I get my SSDI on the XXXX each month n their payment schedule reflected that! I made the 1st payment ahead of time, thinking that I set with them! They changed the dates of my first payment to the XXXXh after being very clear about my payment dates!
09/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92626
Web
My loan is not amortizing according to the schedule provided. I talked to XXXX about this and a rep told me they first apply payments to the interest on the entire loan prior to paying down principal. I recently made a {$1500.00} principal paydown and according to the amortization schedule my balance should be {$1600.00}. Instead it is {$2200.00}.
09/22/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • TN
  • 38128
Web Older American
These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.
02/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 92626
Web
I am a California resident and had taken out a emergency installment loan for {$3000.00} using cashnet USA on XX/XX/19. The APR is 166.03 % totaling {$8500.00}. Ive paid the original loan amount but the interest is killing me and Im struggling to afford it. The only solution that has been given is setting up a new payment if one payment is missed.
01/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 44212
Web
I have made two extra principle only payments on my loan and what they have done with those payments is take that amount and are applying it to future amounts of principle payments thus making my future payments apply towards interest only. This does not make my payoff date any sooner, theyre just milking more money out of me hoping I dont notice.
06/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55422
Web
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
07/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • NJ
  • 08742
Web
This company charges an inordinate amount of monthly fees on a basic line of credit. They are essentially taking XXXX dollars a month from me from a XXXX loan. I have never seen such a predatory company and am surprised they can give XXXX percent interest loans without any government interference. This is predatory at best and criminal at worst.
11/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • ID
  • 83854
Web Older American, Servicemember
today XXXX I made a {$12.00} payment when I logged into my account the balance was {$1400.00} after I paid the payment my balance jumped {$1400.00} an increase of {$10.00} that now I am going to have to pay interest on! I bet they have charged me several hundred dollars in extra interest screwing me!! How can a balance jump after a payment??
10/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • MO
  • 63701
Web
I have called and called and called. I ask for a supervisor they always say theres not one available. Ive tried to pay payments!! The amount of interest they charge is unreal. The amount never changes. I had to take another XXXX out to just survive!!! The fees go up every period!!! by next period I owe more in interest than I paid last period
01/19/2016 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • CA
  • 90046
Web Older American
I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? How can I get OFF this List of being On Active Duty in the Military. ASAP please!!! Thank you!
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76052
Web
I had a previous CFPB complaint with Net Credit regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. Net credit is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
06/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28602
Web Servicemember
Just prior to the pandemic, Netcredit created a loan for me in the amount of {$4000.00} at XXXX percent interest which is illegal in the state of Florida for them to do so. The company has been sued for several issues, and they have damaged my credit report for years because I refuse to pay a percentage which is not legal for them to charge.
04/12/2023 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
  • NC
  • 28602
Web Servicemember
Netcredit attempted to charge me XXXX percent interest, and have not provided paperwork showing where they were allowed to charge me beyond the legal limits of the state of Florida. I request Netcredit to provide me with documentation showing they were legally allowed to bind me to a contract at XXXX percent in the state of Florida in 2000.
03/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 75063
Web
Net Credit is using an old address for my PII. When I created the loan request, in XXXX I used my XXXX address as I recently moved. My charged off account however shows the address that was on my drivers license which is XXXX I have contacted Net Credit requesting this address correction yet they have denied this. This is a violation.
02/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90057
Web
I did not expect the interest rate of the loan to be over 70 %. I have probably paid off my loan but because of the very high rate, my principal is barely moving. They did not tell me this when I open the loan or explained to me in clear detail what I was signing up for. Net Credit is charging way over the usury rates. I'm paying over 70 %.
05/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30214
Web Servicemember
I have been making payments on this loan for over 18 months and my balance is even higher than the original loan amount. I didnt realize they are charging me a 59 % interest rate until I did some further diving into the loan details. When I inquired about bringing the interest rate down, I was told this wasnt an option. This is XXXX LENDING
01/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 70570
Web
Took out a loan with cashnetusa.come after making 2 payment over a 2 payment periods which is every took weeks I notice that my loan payment barely dropped. I contacted the company and they told me it a crewed interested everyday. So a loan if XXXX making them payment would take over a year to pay off making payment of XXXX every two weeks.
11/23/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • PA
  • 154XX
Web
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
09/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • 91362
Web
XX/XX/2018, XXXX XXXX Central Time I fax my Verification of income.. XXXX reply back ; Verification of Income Since we did not receive it, XXXX was regrettably unable to give further consideration to your credit request, What XXXX wanted was my ; User name PIN number For my Bank Account so they can personally go into my bank history,
12/30/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98023
Web
Account is closed and is showing as open on my credit report. They are also continuing to mark payments as missing or late when the account is no longer even with this company and it is closed. They also have been harassing me over the phone calling from different numbers multiple times a day, even though I am on the do not call list.
02/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 92392
Web
I get a loan since XX/XX/XXXX with of amount of {$2800.00}, I already make XXXX payments of XXXX and I still owe them {$2000.00}. I spoke with some one on XXXX, this person tell me that they charge the first year the interest ahead because after a year make making payment of XXXX every XXXX weeks the balance still remaining the same.
04/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84119
Web
STATEMENTS NOT CREDITING PAYMENTS CORRECTLY AND NOT ABLE TO PAY EARLY ON MULTIPLE TIMES.DUE TO WEB ACCESS NOT. WORKING. THIS HAS HAPPENED THREE TIMES. VERY DIFFICULT TO REACH BY PHONE. CHAT NOTHING BUT AUTOMATED ANSWERS. REQUESTS TO SPEAK WITH MANAGER WERE JUST SOMEONE WILL CALL AND NEVER RECEIVED CALL. HAVE STATEMENTS PROVING ERRORS.
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85338
Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 States : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
04/26/2021 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
  • Investigation took more than 30 days
  • MO
  • 64012
Web
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXX, NC FINANCIAL XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
04/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34787
Web
Netcredit/XXXX XXXX my account was opened XX/XX/2021 account was closed and sold to a collection agency that is not legally licensed or registered in the state of Florida as a debt collector or collection agency. Since Netcredit/XXXX XXXX no longer own this account can they please remove all tradelines from all 3 credit bureaus.
04/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 38632
Web
This tradeline was sold to an attorney for collection. The attorney collected the entire loan amount plus attorney fees. When I logged on to the original account it showed a balance owed still. I contacted them via chat and she stated they are no required to update the balance on their end and it is still a collectable loan ....
08/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • LA
  • 71106
Web
I have tried numerous times to apply for a line of credit i keep sending all the required documents and i keep getting denied it says unable to verify my identity i checked with all credit bureaus and my information is current in there systems. Netcredit could not give me a clear answer as to what identity they could not verify.
10/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • TX
  • 78723
Web
My credit report shows that an account from Cashnet was opened in XXXX 2017 on a one month term for {$540.00}, but the money was never deposited in my account and I was never notified of a loan approval. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX is the collection agency. The address identification number is XXXX
07/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29203
Web
I have made arrangements to repay a {$800.00} loan that includes high interest to {$2000.00}. I emailed CashNet USA this statement on X/XX/2017. Effective XXXX XXXX, 2017, I can begin repaying {$50.00} per month towards the debt of {$2000.00}. Thank You! These are the repayment terms that I can do because I am still unemployed.
02/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 54703
Web
Observed on my credit report a company that is trying to collect a debt from me that I did not sign any kind of contract with, and have never received any kind of notification from them and also says the debt was charged off/sold to another company. This collection on my credit report is keeping my score low and is not correct
11/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MT
  • 595XX
Web Older American
In talking to a customer service rep, I was assured that credit score would not be a factor, mine is XXXX, not bad. Now my denial was based on 1. XXXX risk view score 2. XXXX XXXX score 3. XXXX Auto Origination Score, so much for score not being a factor. Misleading advertisement, and I would expect discrimination in lending.
06/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • LA
  • 713XX
Web
I received alerts from XXXX that this company is trying to open an installment loan using my information. I reported it as unauthorized. I then spoke with the company twice and told them the application in my name is unauthorized and I have continued to receive alerts of the company trying to open a line of credit in my name.
03/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23225
Web Servicemember
I had called several times to the lender asking how to avoid interest fees and I followed the directions given to me over the phone and I was still charged enormous fees and I feel as though I was robbed and I am very disappointed. I also called and tried to strengthen this out and was told it would be and its still not done.
08/07/2018 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
  • 77449
Web
XXXX, XXXX and XXXX inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
07/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89014
Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
03/06/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 92673
Web
I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.
02/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • TX
  • 78244
Web Servicemember
The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected. Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
01/15/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • OH
  • 443XX
Web
The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.
04/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • VA
  • 243XX
Web
The Company sent me a statement to my address and saying that I owed them {$1000.00}. I have sent them several letters telling them that this is not my loan nor did I ever apply for there services. Every time I have sent them a letter to the address it is sent back to me telling me that this address is no longer in service.
05/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92301
Web
I believe this account is unlawful XXXX XXXX Account XXXX Interest rate is 98.29 % annaualy. It goes against California usury law. There lending practices takes advantage of people in difficult spot and put them in worst situations. When o reach out to them multiple times I got no compassion are no modified arrangements.
03/07/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35205
Web
Received a call from XXXX XXXX and XXXX saying they are a lawyers office saying I owe and amount on a Cash Net Loan that I do not owe. It worried me so I searched their name on XXXX and every review says it's a scam. Also left a voicemail for my mom, and I'm not sure how they got her number. Will not stop harassing us.
11/01/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MS
  • 393XX
Web
I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.
07/17/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75149
Web
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from CashNetUSA as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.
07/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 23502
Web
Outrageous interest rates where not even 10 % of the payment made is being repaid the the principal. Asked for a reduction in interest and it was denied. {$180.00} payment made {$160.00} paid toward interest {$22.00} went to the principal and the payment amount is constantly increasing on a {$1200.00} line of credit.
10/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • XXXXX
Web
in 2014, I got a loan from NetCredit. I had financial hardship and could not keep up with the loan payment. I tried to settle with XXXX and was unsuccessful. XXXX has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like XXXX to rescind that sale and stop ruin my credit profile.
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78237
Web Servicemember
Beginning in XX/XX/2021, I disputed this account with both the Credit Reprting Agencues and the collection compoany. I still have not recieved any replues. I have since noticed that it is now listed on one of my reoirts as 120 days late, although my " Settlement Offer '' was never accepted by the collection company.
08/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • IL
  • 61109
Web
A line of credit was taken in my name by FRAUD on XX/XX/XXXX - The company Cash Net USA will not remove the account, they are saying its not fraud - I have asked for sign loan documents they won't provide. I filed a police report did everything they ask yet still they are pursing me for this money and harrassing me.
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NH
  • XXXXX
Web
There are reports on my credit report that were not made or authorized by me. On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX
01/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • ND
  • 587XX
Web
I was given a high interest rate loan of {$5100.00}, I make two {$140.00} payments a month, I have called numerous times to be put on a reduced payment plan due to XXXX and losing hours at my job. I was told every call I made that it would be adjusted. It still has not been done I am still making to large payments
03/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 318XX
Web
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.
08/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AR
  • 72204
Web
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed them that I was no longer employed as of XX/XX/XXXX. My son was ran over by a car and suffers from a XXXX XXXX XXXX. I am his caregiver and we only have his social security for income. They were not willing to offer any hardship and constantly calls and emails every day.
05/27/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28602
Web Servicemember
While attempting to collect a debt, Netcredit called me every day violating my rights with harassing phone calls, until I was forced to implement a cease and desist. At the moment, a court case of XXXX XXXX Netcredit is in the Floirida court system as XXXX is pursuing NetCredit for XXXX in the state of Florida.
11/11/2021 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
  • TN
  • 379XX
Web
Cash Net USA drafted my payment on the wrong day so that the could charge me an NSF fee. I get paid bi-weekly on Thursdays and they drafted my bank on Wednesday on purpose in order to collect a {$32.00} NSF fee. I have called and spoke with reps and I have sent multiple e-mails telling them to correct the issue.
11/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with cash advance
  • FL
  • 33604
Web
The company never provided any statements or information about my loan and I had no idea what was going on. I was never provided statements once I went into repayment in XXXX. I had no idea I was even in repayment or had a payment due. XXXX XXXX requires them to provide me statements and they failed to do so.
10/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 29420
Web Servicemember
I took out a loan for XXXX. Ive been paying this loan faithfully every month of XXXX any the loan isnt moving downward. It still states I owe XXXX. Actually it states I owe more. Ive never heard of a loan that increases every month. This is robbery at its finest. I will be paying back 3 times the amount of loan
09/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 935XX
Web
I have recently started a credit counseling debt management plan. My loan through XXXX was added to this and is being reported on my credit report as being handled by a credit counseling agency but that it is a delinquent account and past due. I have tried contacting the company but I have received no response.
10/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 07002
Web
They gave me a line of credit for {$2600.00} i and from that i only receive {$2300.00} on XX/XX/21 i already pay back {$1000.00} to this date XX/XX/21 and they said that i still owe them {$2600.00} all the money that i paid when to interest i still owe more money that the gave me This is a completely rip-off.
01/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30228
Web
I borrowed {$4800.00} in 2019 and to date have paid back {$6800.00} and the company still has me owing {$5500.00} and refuse to work with me to settle the debt. This is predatory lending. 200 % interest must be illegal. However, the loan is paid off. Under their terms I will never pay it off. Please help me!
05/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 354XX
Web
Been paying this company 2 payments every 2 weeks. They was only surposed to get 1 payment a month but taking out 2 every 2 w eeks. On XX/XX/XXXX he y took out {$450.00} and they {$390.00} on the same da y. CNUSA has put a lot of inturst on it at 29.999 %. I ca n't pay my regarler bills because of this.
05/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22193
Web
I have been trying to pay back this company with {$25.00} every 2 weeks because that is all can afford. So far I have paid {$850.00}. This loan was taken out in XXXX. They are saying that I still owe almost {$2000.00} and I believe that I have been paying only interest and extra fees the company has added.
04/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92683
Web
I confirmed with XXXX XXXX that the bank account that netcredit wired to fund to does not actually belong to me, though in my name with wrong personal info. Therefore I never initiated any valid borrowing activity with netcredit. The debt collection from netcredit is not valid. I am victim of credit fraud.
09/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AZ
  • 85008
Web
I applied for 2 loans with Net Credit via XXXXXXXX XXXX XXXX XXXXXXXX. Application # XXXX AND XXXX both were denied for " unable to verify my income '' but I uploaded my paystubs and i have worked at my job for almost a year. they haven't given any real reason, why and when i call cs doesnt have any info.
07/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OK
  • 73044
Web
I was contacted by CashNetUSA claiming that I received a loan from them. They stated this was an online loan that they sent to a bank account not linked to me. They stated they need a police report to do anything further, but I was instructed I had to start here. They did not not give me an exact amount.
05/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 38016
Web
I called CashNetUSA on XX/XX/2019 and another day last week to ask for lower payment amounts because me and my husband separated and my daughter lost her health insurance and Im having financial hardships but they wouldnt help they asked if I needed to borrow more money. But I just wanted lower payments.
08/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44256
Web
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
10/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MD
  • 219XX
Web
I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/07/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 79928
Web
Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to
09/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 714XX
Web
I have turned in paperwork and everything on net credit identity theft and yall still want remove other bureaus have removed also the 2 accounts in collections that shows XXXX balance yall want remove but it has a XXXX balance and is closed off so how is it in collection if I have a XXXX balance.
09/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 640XX
Web Servicemember
Cash net usa had a collector call me and state that they accessed all my bank statements and that XXXXXXXX XXXX gave them all my information with out me knowing, This is fraud and I want this rectified and removed. If anyone did access my bank statements without me knowing I will call my attorney.
08/08/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 92804
Web
I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. Please help
06/04/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 20708
Web
I have an installment loan with cashnetusa. The loan is for XXXX. They take roughly anywhere between XXXX -XXXX out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal.
05/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • XXXXX
Web
I saw this on my credit report. I asked what it was via email, and was referred to a phone number. This phone number never was able to give me a live person to validate the payment, interest rate, or payment arrangement if I was unable to pay. The email referred me there and no resolution occurred.
12/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 700XX
Web Older American
Took out approved {$1600.00} loan XX/XX/XXXX with netcredit, deposited XX/XX/XXXX. Made 3 : ontime payments each {$89.00} and change. Decided to pay off loan today XX/XX/XXXX. Went to netcredit website, copied down principal amount {$1500.00} and change. Called NetCredit but had to pay {$1600.00}.
04/10/2022 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
  • Their investigation did not fix an error on your report
  • GA
  • 30005
Web
I have tried to contact this company multiple times and they are saying they have no information about my account but the account shows up on my credit report. I have also disputed this multiple times with XXXX and it comes back as verified but there is no way it could as they have no information.
01/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TX
  • 77063
Web
My email gets flooded with loan offers saying Im approved or pre approved then Ill apply and then I get denied this has messed up my credit I lost my job due to COVID pandemic I need help please dates from XX/XX/XXXX till XX/XX/XXXX I have pictures or all these companies that gives me fake offers
01/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AL
  • 35242
Web
Where we're any of my payments applied to my balance? I only borrowed {$930.00} dollars total with a 15 % dispersion fee making my highest balance should have been. {$1000.00} with ( add you payments up here. ) in payments made and and still had a balance of {$1100.00} until I paid it off today.
01/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 216XX
Web
X/XX/2017 I received an installment loan from CashNetUSA. Upon signing the contract, I did not realize the interest rate was 256 %. Also of my payments of {$270.00} a month only {$56.00} went towards the principal. I feel like I was frauded and the application of the interest was misrepresented.
04/17/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • WI
  • 535XX
Web Older American
Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.
11/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OH
  • 43302
Web
I have a loan amount for XXXX with a CSO fee of XXXX. I have contacted them numerous times to remove the ACH authorization and they are refusing to do so. I am aware that this can go on my credit report and they can pursue collection actions, but I want my ACH authorization removed immediately!
09/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MN
  • 55318
Web Servicemember
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness Net Credit - LOC Account # XXXX Due Date : XX/XX/XXXX chg to XX/XX/XXXX every other XXXX Customer Support : ( XXXX ) XXXX Loan Processing : ( XXXX ) XXXX Collections : ( XXXX ) XXXX NetCredit XXXX XXXX XXXX XXXX, TX XXXX ''
10/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33155
Web
When I try to call and make a 'principal only ' payment they leave me on hold for hours and come back and say they can't guarantee my payment will all go to principal! When I'm completely up to date and always have been? They won't let me pay down this loan or are making it almost impossible!
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 23451
Web Servicemember
The interest that has been charged while I was deployed and was being recalled to XXXX XXXX was around {$1300.00}. I tried to send them all of the sets of military orders to have help with the SCRA and they hang up on me every time and will not respond to me or give me an answer or help me.
09/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • MI
  • 48146
Web
Last week I called them because they took a double payment out for the previous month in XXXX so then I asked them let me to control the payments so that doesnt happen again. The lady read me and opt out ACH script and this morning when I logged into my account, the payment still came out.
09/26/2017 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or misleading advertising or marketing
  • SC
  • 290XX
Web
Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?
05/20/2015 Yes
  • Payday loan
  • Can't contact lender
  • TX
  • 75044
Web
Lender has contacted over XXXX times within a week, before loan is due. Request Cash U. S. A not to call home several time by mail, email, and fax. Our request was not honored.Abuse their right to collect. XXXX email and XXXX phone calls and the loan is not due until XXXX XXXX, 2015
04/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MI
  • 48239
Web
I recieved a email stating my loan was approved. I never applied for this loan I called them .they informed me to make a police report I did. they sent information to my email had all my information my old job number as well as my old account that was shut down over 10 years ago.
09/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 322XX
Web
hi visited site kept saying profile exists and to login When i use password recovery none of my emails are on file Part of nationwide dragnet XXXX XXXX on keeping me down I'M supposed to be super rich XXXX or XXXX XXXX REACHED CIA and DEPT OF JUSTICE about this also civil rights
03/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WI
  • 53214
Web
I honestly feel I am being discriminated against to getting any type of loan. How am I to build my credit score ( as they say they would with individuals with less than perfect credit ) when I can not be approved? I feel as my name and me being a minority I am constantly denied.
02/22/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66061
Web
I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, XXXX XXXX XXXX, about a supposed debt from CashNet, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. A simple XXXX search indicates this is a common scam.
07/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • SC
  • 29615
Web
Netcredit.com would not delete my personal information including name, email address, bank information, etc. The customer service rep said by Federal Law they could not delete my information. I believe that is incorrect. I want all my information deleted from all their records.
07/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63033
Web
A payday loan was reported on my credit bureau report. I never received or signed a contract for a loan with this company. They have continually tried to get paid for a fictional loan. There was never any disbursement to me. The perpetrator of this criminal act is CashNetUSA.
01/30/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 66047
Web
Setup a settlement payment plan with Cash.Net USA. I made 4 payments of {$320.00}. I was 10 days late on 5th payment. Instead of working with me to resolve the remaining balance of {$640.00}, they now want {$1900.00}. A {$1200.00} increase for a 10-day late payment is absurd.
08/20/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • LA
  • 708XX
Web
No action was taken no one wanted to work with me on a payment arrangements even when some of these accounts on my records were made by someone else I even know that one person that used my name for something is deceased but I have no proof so nothing can be done so I’m stuck
11/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • KY
  • XXXXX
Web Older American
Obtain loan in XXXX of 2020. Loan amount {$3700.00}. Monthly payments of {$200.00} since XXXX of 2020. Like to pay off loan at lesser amount. Loan is now in excess balance of {$4000.00} at 65 % interest. NetCredit will not discuss early payoff until I pay more into the loan.
05/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30134
Web
On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. I tried to settle this account even without verification but company refuses to remove unverified account.
03/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 07107
Web
I have been paying the loan as scheduled never having a late payment. I have call serval times to try to refinance the loan and every time I call they response with I am not eligible. I have also asked for other types of help and they just didnt have anything to offer me.
05/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • LA
  • 705XX
Web
An installment loan was taken out in my name and now Im receiving harassment calls due to unpaid balances. I set up a payment plan to repay the loan and now Im receiving calls that I will be taken to court and sued. This is unfair. Ive set up a payment plan to pay it back.
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WI
  • 549XX
Web
On XX/XX/2021 I received an email from Net Credit informing me of a denial of credit for which I did not apply for. I have not, nor have I ever, applied for credit from this company, yet they have pulled my credit report with a hard inquiry without my knowledge or consent.
04/25/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • VA
  • 23059
Web
I applied for a personal loan, as I'm on long term XXXX. The loan was approved for {$1900.00} and my credit report and number was pulled. I signed the contract after requesting XXXX of the available limit. After signing the contract I was notified that my loan was denied.
09/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AL
  • 36330
Web
On XX/XX/2022 I applied for a loan and on XX/XX/2022 they said my loan was ready it had been matched with a offer. On XXXX XXXX they emailed me to add income verification which I sent in. However on XXXX XXXX they denied my application due to credit denial or termination.
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • NE
  • 685XX
Web
I did NOT apply for anything with NetCredit and may last name has not been XXXX since 2010. My identify was stolen and this is yet another attempt to falsely obtain credit using stolen information, Why didn't the company notice the FRAUD ALERT on my locked credit file>
02/17/2023 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
  • IL
  • 60409
Web
I have been trying to get the late payment off of me for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that i myself are submitting the request to have this late removed. I have filled for a full file disclosure and never received it.
10/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 379XX
Web
stop payment from my bank on XXXX for cashnetusa. On XXXX the debit my account for the {$190.00}. Went to XXXX XXXX XXXX and ask the cashier why did it go through she said they used a different number than the one I stop payment on. She said there nothing they could do.
02/20/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 23185
Web
fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.
11/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WI
  • 53406
Web
They claim funds have been deposited in my bank account but there wasnt no funds I tried to call customer service but no one answered for hours then when they did they hand up right away this is a concern because they have my bank information and personal information
04/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 37862
Web
This loan was taken out due to fraud. Check my banking accounts I never got the loan deposited it my social security number was stolen and Ive had XXXX cases of fraud. This company is trying to turn this loan over to collections but it was never my loan to begin with
05/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • DE
  • 198XX
Web
I sent an letter on XX/XX/2018 advising that I was revoking authorization to debit my account. I sent the letter certified mail tracking number XXXX. I also placed a stop payment on my account to my account from being debited however, they debited my account anyway.
02/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • IL
  • 601XX
Web Older American
They were very evasive about the interests when I was questioning them. The money within the account before I can even see though contract. The more I question them about the text or the interest rate the more evasive they became it was manipulating and misleading
09/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 212XX
Web
I want to close the account and make payments on the full balance. CashNetUSA will not allow me to close the account per their XX/XX/18 email @ XXXX. I admit I owe the balance, I just can't afford to continue to accrue the interest and fees while paying this off.
04/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 92571
Web
I am writing this due to non-compliance with NETCREDIT. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
11/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TN
  • 38114
Web
I have contacted them on several occassions about constantly running my info when inhave not applied with them since XXXX of last year. I haved asked them to remove my information and was denied due to federal law. I just want my info removed from their system
10/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20910
Web Servicemember
Cashnet USA keeps changing the settlement offer. I have copies if you need to see them. They keep changing the amount of the payment due and the loan repayment date. Whenever I call in to make a payment they tell me that I owe them more money,. ' XXXX XXXX
08/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • ID
  • 832XX
Web Older American
Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?
12/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • OH
  • 436XX
Web
If you look into the reviews there are over 90 complaints and most of them fall into this month alone. This company fails to answer important customer concerns. They have what seems to be zero customer support and the company needs to be further looked into,
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32305
Web
I obtained my credit reports from all three credit agencies, and I found this inquiry on my XXXX report. I am unaware of this inquiry from XXXX XXXX I do not have an account or contract with this company, nor have I reached out to this company for services.
06/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63135
Web
I signed up for a loan due to a financial emergency. I was unaware of the 65 % interest. Which is a predatory loan if im mistaken. This loan was taken last summer. Ive paid XXXX a month for a year and still have a balance of of almost the entire loan still.
05/14/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77489
Web
Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. Recorded call dials in XXXX times a day, everyday including weekends.
12/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53210
Web
I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because XXXX debts that are not mine is reporting to this unknown address.
11/03/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 24501
Web
Have received several scam emails within the last years but most recently received a letter from XXXX XXXX XXXX threatening legal action and fraud due to a NSF that happened over 8 years ago. The amount requested is over 4 times above the original amount.
02/08/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22401
Web
I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.
02/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90012
Web
This loan was obtained by identity theft. I have filed a police report and sent it to the credit agencies. I also have sent them a sent verification letter through certified mail with proof of receipt. They ignored it and never sent me anything back.
02/23/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 54703
Web
Saw that I owe a debt that is in collections to a company I've never heard of and has made no attempt to contact me regarding it. It is also not the original creditor so whomever this company is, I don't have a contract with them regarding this debt
08/13/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20910
Web Servicemember
Cashnet usa keeps debiting my account for {$100.00} which puts me in a rears with my bank the first time was XXXX and the second was XXXX, I submitted update back statement as request for the update for payment arrange but they refused to accept it.
05/05/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 92119
Web
I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.
08/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 954XX
Web
In XXXX of 2018 I was solicited to borrow {$2600.00} from cash net, I borrowed it thinking it would be reported to the credit bureaus to improve my credit, but then found out that they do not report and that they are charging me 187 % interest rate
08/16/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MD
  • 20601
Web Older American, Servicemember
In XXXX XXXX I accepted an online loan offer from CashnetUSA for {$1400.00}. I 've repaid them more than 4 times the amount I borrowed. In the meantime I learned that ''payday '' loans were banned in Maryland as of XXXX XXXX. Can I stop collection?
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • AZ
  • 85308
Web
Hello! I applied for credit with NetCredit and was denied due to my credit report. According to the Equal Credit opportunity Act being denied credit based on your credit score is discrimination. My denial of credit because of my score is unlawful.
08/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84003
Web
NC Financial -XXXX : This is a fraudulent account. I have tried disputing this with the original company and they denied the request even though I have filed a police report against this. It needs to be removed from my credit report immediately!!!
07/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MO
  • 65807
Web
I borrowed a loan from CashnetUSA.net for {$800.00}. They have added an amount of fees that will total {$2300.00}, more than {$1500.00} past the XXXX owned. They have scheduled payments twice a month at XXXX for XXXX payments. This is outrageous!
10/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • XXXXX
Web
NETCREDIT is charging 99.98 % rate on a {$1500.00} online loan. I was told that the cap in Louisiana is 12 % to 36 %. I have been paying every month and today my balance is still XXXX. Nothing has been applied to my principal since XX/XX/2023.
07/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • TX
  • 760XX
Web Servicemember
Once again NetCredit response to # XXXXis not accurate NetCredit states I opened an account for {$1400.00} but it was never funded I contacted them 3 times because my account shows paid but I never received any funds I have to close my account
10/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 70301
Web
Netcredit is chargeing 99.98 % interest rate on a {$1500.00} online loan. I was told the cap in Louisiana is 12 % to 36 %. I have been making payments since XX/XX/ and the balance is still {$1500.00}. Nothing has been applied to my principal.
08/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23224
Web
CashNetUsa is trying to collect a debt in which I never did any type of business with this entity. This company does not appear on credit report. This is a fraudulent account. This company is trying to take advantage of me because of my XXXX.
06/17/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30144
Web Older American, Servicemember
This is not my debt. I have never in any state used CashNetUSA, the original creditor. The debt has been sold to a XXXX XXXX XXXX XXXX XXXX. File number : XXXX Not my debt and I will not be responsible for the payment in the of {$2600.00}.
12/05/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 338XX
Web
An account was made that I didnt apply for that goes by the name of Netcredut was opened for a loan of $ XXXX and something and has been charging me {$100.00} every two weeks for it and have been getting money withdrawn from my bank account
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77072
Web
Cashnet USA has obtained my information without my concern and constantly tried using my credit information to apply for credit on their site. They are either using this as an attempt to collect a debt illegally or the are committing fraud.
01/31/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MT
  • 595XX
Web
I know it 's been said there is no blacklist, but I 'm being denied loans for all kinds of reasons, this XXXX being the worst. This company denied me because- Our records show that you are a current customer. Oh really, I did n't know that.
04/28/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MD
  • 20735
Web
I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.
01/15/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SC
  • 29707
Web Older American
I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure.
02/03/2021 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
  • Their investigation did not fix an error on your report
  • MD
  • 20602
Web
This account is being reported past the statue of limitations with false information. It was sent by the company to XXXX XXXX where it was paid in full and agreed via letter from XXXX XXXX that it will be removed from my credit once paid.
05/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53211
Web Servicemember
I took out a loan with Net Credit on XX/XX/XXXX in amount of {$2000.00}, the went to collections NC Financial and Net Credit i settle 35 % off the full balance on XX/XX/XXXX with my account balance XXXX and the account has been discharge.
05/04/2020 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
  • GA
  • 30132
Web
I HAVE CONTACTED THE COMPANY SEVERAL TIMES TO NOTIFY XXXX CREDIT AGENCY TO REMOVE ALL NEGATIVE ITEMS AND AS OF TODAY 'S DATE NOTHING HAS BEEN DONE BY NET CREDIT. I HAVE ALSO FILE SEVERAL CFPB COMPLAINTS AND NET CREDIT REFUSES TO COMPLY.
11/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • AZ
  • 85704
Web Servicemember
Line of credit open in my name without my consent by a perpetrator that is unknown. A clear act of identity theft with me as the victim. This is a complaint since there were not proper enough checks in place to keep this from happening.
02/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Money was not available when promised
  • NJ
  • 07093
Web
I started a transfer on pangae money transfer on XX/XX/2021 for XXXX XXXX and the transfer was completed but my recipient has not received the money, and they have charged my account, i want a refund but the merchant is not helping me.
06/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84106
Web
NC Financial is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
03/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 234XX
Web
This account is not mines i didn't not authorize anyone to sign me up for this account this account is a result of identity thief and i need this account to be remove ASAP is this doesn't get resolved then i have to use legal actions
03/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23834
Web
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
04/01/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 45140
Web
I continue to receive " or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending.
11/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 63033
Web Servicemember
Paid Net Credit XXXX dollars to pay off a XXXX dollar loan. Then a week later they claimed I owed another XXXX dollars. Very shady I want them to cease asking for additional money. Have already been in touch with legal counsel.
06/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WI
  • 53217
Web
They charged 299 % interest ... I had no idea this is Robbing me ... I have payed the loan off however because of the interest rates I have barley paid the principle and I am still getting ridiculous interest charges of 299 %
02/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NE
  • 68106
Web
I have had many credit checks and monitoring and netcredit keeps saying they can not verify my identity and can not elaborate but i checked with the companies they use and they all reflect what I put on the loan application.
11/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WI
  • 53222
Web
I received a loan with an interest rate of 299 %. I esigned and at the time i did this, I didn't see an interest rates and my payment amounts. With a rate of 299 & and being on a fixed income, I will never get this paid off.
01/14/2022 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
  • NV
  • 89178
Web
I have been trying to get this removed from my credit report. i never received a loan deposit from NetCredit in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement
06/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 360XX
Web
I submitted my report from the federal trade commission this is NOT my account, I have no knowledge, they threaten a lawsuit. I never owed XXXX to cash net usa, and they refuse to delete the account and threaten legal action
11/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MO
  • 63116
Web
XX/XX/2019 - Cashnet USA fraudulently took out {$1500.00} dollars out of my bank account, this fraudulent behavior is being investigated by XXXX XXXX XXXX. I never took a payday loan and never did business with this company.
06/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • TX
  • 77471
Web
My payments are {$180.00} on the XX/XX/XXXX every month this company wont work with me and they want to take a amount of {$370.00} the payment plan was supposed to be {$47.00} they keep changing things I just want to be done
03/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • GA
  • 30045
Web Servicemember
Netcredit is reporting incorrect amounts due to XXXX causing me to ot be approved for a y addiction assistance and loans for other company based on thr negative deragotory remarks netcredit has placed on my personality file
07/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MO
  • 652XX
Web Older American
I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.
10/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • LA
  • 70808
Web
Net Credit is the company on XX/XX/2020 {$4500.00} was reported to my credit report. This isn't my account its somewhere out of state and I'm in XXXX XXXX, La. I've contacted the company as well and nothing has been done.
04/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 778XX
Web
I asked them to stop Ach from my account. They are costing me Nsf charges I can't pay. They refuse to stop. There is no way to stop Ach in contract. By law that makes the contract void. There has to be a way to stop it.
10/10/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • XXXXX
Web
I received a credit report from XXXX and I don't agree with the current findings. NOTES FROM REPORT : Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; TRANSFERRED TO ANOTHER OFFICE
04/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 707XX
Web
I got in bind in XXXX because my check was short and had to get help with my light bill. I move in XX/XX/2018 still trying to pay them, I am trying my best to pay them back I am stressed out hair fall out lose weight.
11/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • UT
  • 84405
Web
I have been trying to contact the company to try to rearrange the payment plan. The website is not allowing me to log in and when I try to call the listed number, it acts like someone picks up but no one will answer
03/09/2021 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 54703
Web
This company is showing up on my credit reports as owing them a debt and in it's comments states that the debt was sold out to another company. I no longer have a contract with this company as they chose to sell it.
01/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 462XX
Web Older American, Servicemember
I applied for loan on line with XXXX XXXX XXXX XXXX XXXX XXXX Thinking I was getting a loan from a bank I got an email a few weeks later stating the bank had sold the loan to Net Credit at a 99.4 % interest rate.
01/31/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 28054
Web
Company took out an ACH without my authorization, stated in writing they did and were going to refund, however have not submitted the refund. Because of this, my checking account went negative and I incurred a fee.
10/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • XXXXX
Web
I have been paying XXXX a month on this loan for 12 months. My initial lian amount was XXXX and currently has an outstanding balance of {$6100.00}. As i look over the contract the total balance due is nearly XXXX.
04/07/2022 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
  • Their investigation did not fix an error on your report
  • SC
  • 29841
Web Servicemember
This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid off in full.
10/05/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • OH
  • 44120
Web
I told the representative I rather mail in payments and they told me they could removed my banking information and I told them to cease all verbal communication only mail and they refused to remove all numbers
07/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WI
  • 535XX
Web
Net Credit continually calls my phone every day, sends emails even after I already told my situation that I am not able to pay at this time. The repeated robo calls into the weekend are annoying and excessive.
04/11/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60441
Web
The company has falsely reported LATE PAYMENTS for this account to the Credit Bureaus when no payments were ever made. The company has illegally adversed my credit with fraudulent derogatory credit reporting.
07/04/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • UT
  • 841XX
Web
CASHNETUSA has not honored my cease and desist contact including email communication. All correspondence is supposed to be sent by mail only. Emailing my inbox is a violation of the cease and desist order.
03/29/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32257
Web
I receive repeated calls from CashNetUSA. CashNetUSA called me XXXX times yesterday. XXXX in a row! I also have received calls more than 3 times daily from these people. Im being harassed and plan to sue.
01/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 77067
Web
I sent this company a letter for a review of the application or a reconsideration of the decision. I have yet to receive a response. It has been a while so I decided to get some help resolving this matter.
03/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45238
Web
I called the company talked to them so they were the fraud department was going to contact me still have not contact me it is not my account I did not open that account and I would like it to be taken off
09/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77433
Web
CashNetUSA charges a 459 % ( Four hundred and fifty nine per cent ) interest in personal loan which I believe it is USURY. ( Maybe not in America where everything is permitted by the corrupted Congress ).
12/05/2017 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 91604
Web
Reached out about the incorrect reporting on my credit account, was given a run around by the creditor, then i reached out to the company in charge of the consolidation and they have yet to get back to me
04/18/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WI
  • 53202
Web
I emailed this company directly on XX/XX/2019 and I already told this company they may not call me or attempt to call me at my work number, yet they did just that on XX/XX/2019 at approximately XXXX a.m.
11/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 92804
Web
Hide termine in contract {$2600.00} in XXXX XXXX/XXXX/XXXX, but the rates is to high is impossible because i have XXXX XXXX i do n't have te money is more {$200.00} every 2 week rate is almost {$8000.00}
11/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91913
Web
Netcredit is continuing to report inaccurate information to my credit report. I have disputed this item with XXXX and XXXX many times but they are negligently not correcting this misleading information.
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91913
Web
I have disputed this tradeline with Netcredit several times and they keep reporting misleading and inaccurate information on my credit report. They are not complying with the FCRA and are in violation.
01/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • XXXXX
Web
received loan for XXXX XXXX dollars u.s. and being charged almost 200 % interest and possible fees on the balance to pay off. Would like to resolve loan balance but not the excessive fees and interest.
05/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 535XX
Web
Theres been a problem with inquiries on my report that I did not do they had no permission to use my name to file these inquiries and they cant provide my application or signature for the verification
08/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 321XX
Web
this is not my debt. this was opened online with stolen information. i had to close my bank account due to this matter because someone gathered that information also. Im not sure what more to do here.
12/17/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 740XX
Web
XXXX XXXX XXXX, XXXX, posted a trade line on credit reporting agencies for a debt not owed to CASHNET. XXXX XXXX XXXX, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
03/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • ND
  • 583XX
Web
This company keeps emailing for payday loans that I have never applied for and have given my information to several other affiliates. I am getting spam calls and emails constantly from these vendors.
09/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • AL
  • 368XX
Web
I received an email from this company stating I was denied credit with their company and I did not apply for credit. They had all my personal information and I would like to file a formal complaint.
04/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OK
  • 734XX
Web
I pay XXXX dollars a month only XXXX dollars is going towards The loan that is criminal to me italso seem that net credit takes advantage of people desperate. For financial help. Thank you XXXX XXXX
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72206
Web
Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX ( MO } XXXX, I may presume that no proof of the alleged debt nor any such debt in fact exists.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70605
Web
I think Im being declined for multiple inquiries. I have no clue what they are. So my inquiry Adds to it and isnt mine I never had a XXXX checking account, we dont even have a bank around my area
06/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36330
Web Servicemember
Net credit XXXX ran a hard inquiry on my credit on XXXX XX/XX/2021. I have never heard of this institution. I have tried over several months to call and email with Net credit XXXX with no success.
02/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92154
Web Servicemember
NET credit continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.
08/22/2019 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
  • 77084
Web
using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on XXXX
10/16/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21921
Web
This firm is trying to collect a debt from a payday loan which I have never obtained. Information provided in the letter states a place of employment that I have not worked for in over 10 years
03/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TN
  • 37620
Web
They keep sending me marketing letters, on XX/XX/2022 I requested them to stop. They said they would, and they have NOT. I get like 4 to 5 letters a week from them, and I am not even qualified.
03/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • UT
  • 84010
Web
I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen.
06/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60619
Web
The XXXX on this loan is very high, which makes it nearly impossible to payoff the loan. The XXXX is nearly 65 % I am also called several times even if the past due amount is only {$10.00}
10/04/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 648XX
Web
I tried to get a loan from another group only to get a E-mail from CashNetUSA claiming they had denied the loan as they claim the other company was a marketing partner, which is not true.
02/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23608
Web
Cash net keep saying that I owed them XXXX dollars and they said the account was on XX/XX/2018 and I told them I did not get no loan from them and they still calling me and harassing me.
11/12/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 714XX
Web
I have been going through this for a year now I do not have an account with net credit I have sent police reports of identity theft please remove this off my XX/XX/XXXX credit report.
05/29/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 298XX
Web
somebody got ahold of my social security number and got a loan from cash net usa in my name. they said that put XXXX dollars in my checking account on XX/XX/2017. this did not happen.
03/21/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • VA
  • XXXXX
Web
NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX.
08/24/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • 46038
Web
XXXX XXXX placed my account in collections and continued to report negative payment history after the account was listed in a CH XXXX bankruptcy proceeding that was filed onXX/XX/18
02/27/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19802
Web
Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report.
08/05/2022 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
  • VA
  • 23608
Web Servicemember
This been a on going affair XXXX XXXX XXXX account is paid off still showing on account XXXX. Net credit XXXX opened in XXXX XXXX XXXX open in XXXX XXXX XXXX opened in XXXX
03/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 64801
Web
CashNet USA is charging me an extremely high interest rate that I can not afford and is refusing to work with me to establish a more reasonable interest rate and payment plan.
03/29/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • NV
  • 89147
Web
I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages.
06/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • XXXXX
Web Servicemember
A review of my credit report shows a XXXX dollar account. It is marked as a collection charge off. I received no letter for this debt. I received no XXXX for the charge off.
07/27/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MS
  • 39206
Web
Someone from Cashnet USA calls my job daily. I have told them that I can't take personal phone calls at work, but they call everyday anyway. They are calling my work phone.
11/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34990
Web
I requested to know the current interest rate & get a break down of principal & interest on previous payments. I believe this company is in violation of Florida Usury Laws
07/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 92108
Web
After falling on hard times and not being able to complete the original terms of the loan, I was able successfully complete a settlement agreement with NetCredit in 2019.
08/05/2016 Yes
  • Payday loan
  • Can't contact lender
  • FL
  • 33142
Web
Loan was paid of f in 2011 and Lender has not removed information from credit report after 5 years XXXX XXXX XXXX said they do not contact Cashnet about loan pain in full
09/08/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • SC
  • 299XX
Web
Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29680
Web
These hard inquires were done on my credit reports without my authority. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • UT
  • 84043
Web
XX/XX/2021 Contacted NetCredit XXXX at XXXX and was placed on hold for 20 minutes and disconnected. XX/XX/2021 sent an email at XXXX and received an No Reply response.
06/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 31210
Web
I just received an email stating, I was declined for a loan. I DID NOT APPLY FOR A LOAN!!! And I don't need ANYTHING NEGATIVE listed on my credit history and reports.
10/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32205
Web
I have no knowledge of these accounts these hard inquiries are a result of identity theft. 15 U.S. Code 1681c2 - Block of information resulting from identity theft
08/17/2020 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
  • 75134
Web
I explain to this company i had not inquired bout an application and this an unauthorized inquiry and i file a FTC theft number # XXXX but they failed to assit me
07/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WI
  • 549XX
Web
I got a quote online for a personal loan through XXXX. it came back with a company called netcredit which is quoting me 94.31 % interest. How is this even legal?
10/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MT
  • 59102
Web
When I applied I was under the impression that the loan had an interest rate of 10 %, however the 10 % is charged on the balance of the loan after each payment.
07/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 31088
Web
It was with my credit attorney but I am going to try to see about getting this removed. I was under covid 19 financial hardship among other things at this time
07/23/2022 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
  • TN
  • 379XX
Web
Cash Net USA keeps increasing my payment and drafting it out of my bank account on the wrong days. How did my payment go from {$200.00} to {$300.00} in 1 week?
07/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 312XX
Web
Interest rate is 58.79 % The payments are forced electronic payments and they are unwilling to work with me to lower interest rate. They are a predatory lender
04/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21225
Web Older American
I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me
10/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 482XX
Web
Predatory lending taking advantage of COVID-19 distress situations. High interest rates. This company is not license to offer and disburse loans in Michigan.
07/29/2021 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
  • Investigation took more than 30 days
  • IL
  • 60426
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/15/2021 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
  • Investigation took more than 30 days
  • CA
  • 95670
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29445
Web Servicemember
They went against the Military Lending Act and charged me 64.54 % annual percentage rate from XX/XX/XXXX-XX/XX/XXXX. {$4000.00} quickly became {$7500.00}.
11/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • WI
  • 53188
Web
Revived a loan for XXXX dollars i did not apply for this is id thift and I would like this taken care of thank please disregard the other complaint thank you
01/03/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • IL
  • 604XX
Web
Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do
11/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40509
Web
XXXX XXXXNetcredit is reporting an account that doesn't belong to me. I've NEVER applied for credit with them. Remove this immediately or I'll seek damages.
05/07/2023 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
  • FL
  • 33570
Web
I have never paid this account 30 days.they always report wrong payment information. I put a dispute in about 3 times against this company. See the attached
11/26/2020 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
  • Investigation took more than 30 days
  • GA
  • 30141
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
11/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 90016
Web
I am being called at work and personal phone and threatening with court action, the loan installment is paid and up to date. Next payment is due XXXX XXXX
04/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 32259
Web
Attempt to make additional principal payment. Additional principal only payment denied. Although it was being made on top of regularly scheduled payment.
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30680
Web
This loan/ credit card was taken out due to identity theft. It does not belong to me, I have never applied for or received a loan/credit card from them.
09/10/2018 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
  • Investigation took more than 30 days
  • AL
  • 35055
Web
My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.
04/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • OH
  • XXXXX
Web
Net creditXXXX XXXX check my credit and made an inquiry XX/XX/2023. I never applied for a loan of any kind in years. This is a fraudulent application
02/20/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29405
Web Servicemember
Calling from XXXX repeated times. Just this week so far, phone captured XXXX at XXXX and XXXX at XXXX. They have also threatened to take me to court.
06/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 75013
Web
Received an envelope with a promissory note of an {$800.00} loan and total loan amount to pay back {$2000.00}. This is Fraud!! Cashnet USA is fraud!
01/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 92673
Web
NetCredit sent me an before any negative actions. Agreed to payment arrangement, paid and still reported negative information. Please see emails..
09/26/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
These accounts were found on my report after checking it after a couple of years and are fraudulent accounts. 01 NETCREDIT XXXX XX/XX/2017 2017
10/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 20147
Web
The creditor took on my loan when i never should have been approved my credit score was barely XXXX. The creditor put my interest rate of 120 %!!
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28328
Web
This account is showing on my credit from cashnet USA saying I got a loan and I have not I live in NC and payday advance loans are illegal here
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 625XX
Web Servicemember
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones
09/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60615
Web
I started an application and was unable to finish it. CashNetUSA pulled my credit based upon an incomplete application that I never submitted.
03/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77070
Web
I was not given the correct interest I would be charged and this was from XXXX. I'm just now hearing of this matter and it is now XX/XX/XXXX.
05/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • DE
  • 19802
Web
I have a XXXX credit limit and have been making all my payments except 1 now my loan owe Is greater then my loan amount it don't make sense.
02/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93552
Web Servicemember
Information on my credit report is inaccurate and has brought down my score. I have been working with the credit bureaus and moving to slow.
04/07/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 298XX
Web
Keep call me about debt when high interest rates, call my job. keep. call my cell phone every other day.i 'm getting sick and tired of them.
03/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91403
Web
Net CreditXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Was disputed on XX/XX/21 as a result of identity theft. I did not receive this loan
02/29/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94303
Web
I told them Im willing to pay and asked if they can stop calling my job due to it being unacceptable and they continue to only call my job.
01/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70726
Web Older American
I told them I could not afford the payments they were asking tried to work with them would not allow me too still requesting high payments
12/21/2021 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • AL
  • 365XX
Web
Cashnetusa USA claims I took out loan. I did not someone used my info of address but not my bank account and now cashnetusa wants payment
10/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • DE
  • 19720
Web
Loan was applied for Online company name Net Credit on XX/XX/2008 {$3600.00} ; loan does not belong to me, indicated on my credit report.
05/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • VA
  • 23452
Web
I think the APR ( 149.62 % ) is to much. The loan was for {$2000.00} by the time the loan is paid off I would have paid back {$6000.00}.
02/23/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30052
Web
XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.
02/03/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 22042
Web Older American, Servicemember
The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.
10/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33444
Web
This promissory note has been discharged and this company refuse to remove from credit report, a 1099c has been sent from this company.
06/15/2023 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
  • 77545
Web
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
06/15/2023 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
  • 77545
Web
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
11/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29016
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
01/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91304
Web
I do n't have much information on this account, i just saw it pop up on my credit report. This debt is not mine. I do n't owe anything.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94536
Web
Late payment reported for XXXX XXXX when account was put on payment plan in XXXX XXXX XXXX. Account is current and paid satisfactory.
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38125
Web
My personal information was exposed, and my driver 's license was used to get loans and credit cards. I am a victim of identity theft
07/17/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 700XX
Web
After disputing this issue has identity theft it continues to be on my account. This is a loan someone got online using my identity
11/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 22202
Web
I worked with a debt collection company and paid off the balance owed to the company, but they are still emailing me for payments.
05/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 321XX
Web
Netcredit.com has been approving me for a XXXX loan. But instead of varied opinions pertaining to my situation they just decline.
03/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • XXXXX
Web Servicemember
NET CREDIT continues to report my account late as 30 days ( XXXX ) Account was pain in full in XX/XX/2020 account was never late.
06/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33015
Web
I see on my XXXX XXXX and XXXX account that a hard inquiry was put on from NETCredit Im not familiar with this company or report
01/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92154
Web Servicemember
NET CREDIT is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days
09/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IN
  • 46307
Web Servicemember
On XX/XX/2020 someone without my knowledge or permission used my personal info to try and obtain a payday loan. XXXX is no help
09/14/2016 Yes
  • Payday loan
  • Can't contact lender
  • VA
  • 24502
Web
I keep getting cash net sending me invoices on a loan never got I think my information was hijacked and attached to false loan
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 974XX
Web
Netcredit a loan provider made a determination on a loan by a third party which I believe violates my rights as a consumer.
09/15/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • MD
  • 21215
Web
Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland.
10/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 37920
Web
They are charging me way over the legal limit for interest. I'm paying XXXX twice a month on a XXXX loan. Until 2024
05/18/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MD
  • 21215
Web
XXXX XXXX XXXX Bank, Maryland ... CASHNET Payday loan keeps deducting more then XXXX payment from my bank account!
07/25/2023 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • SC
  • 295XX
Web
Somebody is hacking my phone they using all my kno getting loans my settlement money & all my XXXX will tell it all
12/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 95355
Web
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc
01/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 95376
Web
I applied for loan got approval then went through verification process then denied this is credit discrimination.
11/09/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 92346
Web
XXXX/XXXX/XXXX my personal info was used to get a loan out with net credit without my consent by XXXX XXXX XXXX
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19464
Web
Creditors pulled my credit file without permissible purpose ( collection is not a valid permisssible purpose )
06/22/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • UT
  • 84124
Web Older American, Servicemember
Lender was unable to explain to me why my balance owed is more than originally presented to me at application.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19464
Web
Creditors pulled my credit file without permissible purpose. Collections is not a valid permissible purposes.
06/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 36116
Web Servicemember
They charged 4 times loan amount. My spouse took loan out in my name and i been disputing every since divorce
01/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 378XX
Web
I am trying to work out a payment plan to be able to pay off this debt. The company refuses to work with me.
10/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • MI
  • 48060
Web
I made a payment every month and its telling me that I didnt. Also showing two different available credits.
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NM
  • 875XX
Web
Filed police report and sent to net credit with information and they have not done anything since XX/XX/22
10/27/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 198XX
Web Servicemember
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
12/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90805
Web
I hated when you have go through the whole application and get nothing at the end but a hole lot of XXXX
06/14/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 385XX
Web
Keep receiving phone calls regarding a debt that I know nothing about - phone calls 3 and 4 times a day
07/25/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 20155
Web
Debt collector of CashNetUSA have been calling me multiple times, 3 times a day. Everyday they call me.
01/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90012
Web
This loan was a result of identity theft and the company refuses to take it off my credit report.
02/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • SC
  • 29615
Web
Too many inquiries on my credit report from companies I have never heard of Net Credit XXXX etc
06/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
FINAL WARNING TO NETCREDIT TO STOP YOUR ILLEGAL, FRAUDULENT, UNLAWFUL AND ABUSIVE PRACTICES.
07/21/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • IL
  • 60148
Web
An on-line loan was taken out under my name and Social Security number through Cash Net USA.
11/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77320
Web
The account is a account that I didn't open I believe that I am a victim of identity theft.
05/25/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OH
  • 43123
Web
Threatening to collect a debt without giving me a timely manner on how to figure this out
12/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TN
  • 37207
Web
Someone opened account in my name unauthorized make account good standing delete balance
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 40324
Web
XX/XX/XXXX, I had three inquiries that I did not approve. XXXX XXXX XXXX Netcreidt/XXXX
12/28/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 234XX
Web
This debt should be remove from my credit report because i don't owe this debt any more
01/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 239XX
Web
Im struggling to pay the $ XXXX payment every two weeks with the interest rate 229 %
10/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • TN
  • 38125
Web
I took out a line of credit and now because of the intrest its too much to pay back
08/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WI
  • 53204
Web
I applied but the adverse information came from a non reporting consumer agency.
09/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MS
  • 39532
Web
Unable to repay back loan because of the high interest that I didnt, understand
04/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45215
Web
There is a inquiry that I do not know about on XX/XX/2023 I never applied for
08/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77024
Web
I sent a letter and emails it vendor. Never Received a response to my letter.
04/13/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • VA
  • 24012
Web
I keep getting emails saying I owe money over XXXX ive neber taken out a loan
03/24/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • WA
  • 99206
Web Servicemember
Lady called and said I took an online Internet payday loan, which I did not.
07/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45750
Web
Excessive interest charges : charged {$15000.00} on a {$7600.00} loan.
09/17/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 76137
Web
I think these loan should be illegal due to fact it plays on the poor.
11/08/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 95503
Web
Received XXXX call so far before XXXX. XXXX of them were before XXXX.
05/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30274
Web Servicemember
Paying a loan where funds are not going towards my principal amount.
09/02/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • 38127
Web
Did not expect a daily interest rate. Nor the annual ARP of 225 %.
04/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94533
Web
They want to get {$5000.00} to me that they i owed from netcredit.
09/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MS
  • 38671
Web
XXXX this was pay but they saying it was not pay but I know it was
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48237
Web
Inquires were placed on my credit reports that I did not complete
07/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93308
Web
I noticed this account on my credit report. It is not mine
04/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29212
Web
I need original dates that accounts were reported/opened.
02/06/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 630XX
Web
Paid debt in full and need it deleted from credit report.
06/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32566
Web
Account/inquiry reporting on XXXX XXXX that is not mine
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45215
Web
am seeing unauthorized inquiries on my credit report
02/01/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22032
Web
Fees were outrageous and I just want to end the loan
05/02/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77007
Web
lender was ordered to forgive debt - I was not aware
02/25/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • AL
  • 35205
Web
They saying I had got a pay day loan but I did n't
02/04/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • SC
  • 29203
Web
Applied for a loan but lost my job afterwards.
04/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19805
Web
XXXX CASHNETUSA XXXX XX/XX/2022 {$720.00}
09/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 43609
Web
Receiving harassing phone calls at work.
10/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • VA
  • 24012
Web
never took a loan with cashnet
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85029
Web
Remove hard inquiry.
01/29/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 62864
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • XXXXX
Web
01/27/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 78759
Web Older American
01/26/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08081
Web
01/26/2024 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Money was not available when promised
  • IL
  • 60030
Phone Older American
01/26/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • DE
  • 19713
Web
01/25/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63033
Web Servicemember
01/24/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • FL
  • 33021
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23832
Phone
01/23/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AL
  • 366XX
Web Servicemember
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 245XX
Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • PA
  • 17602
Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77449
Web
01/18/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • AR
  • 71603
Web Older American
01/18/2024 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48237
Web
01/17/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60643
Web
01/16/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • OH
  • 45013
Web
01/14/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48328
Web
01/13/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30349
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23832
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AZ
  • 85257
Web
01/12/2024 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Money was not available when promised
  • NV
  • 89052
Web Older American
01/11/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33167
Web
01/11/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63130
Web Older American, Servicemember
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98926
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75402
Web
01/09/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95828
Web
01/07/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • XXXXX
Web Older American
01/07/2024 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60439
Web
01/06/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 40601
Web
01/05/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33139
Web
01/05/2024 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • XXXXX
Web
01/05/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 290XX
Web Older American
01/05/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • DE
  • 19702
Phone Older American
01/04/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84043
Web
01/03/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • VA
  • 229XX
Web
01/02/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • LA
  • 711XX
Web
01/01/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 539XX
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33331
Web
12/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • FL
  • 33021
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 310XX
Web
12/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30080
Web
12/26/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29574
Web
12/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35004
Web
12/22/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 452XX
Web
12/21/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77041
Web
12/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • WI
  • 539XX
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40220
Web
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31150
Web
12/15/2023 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
  • GA
  • 31150
Web
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 33181
Web
12/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85706
Phone
12/14/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33065
Web
12/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75033
Web
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • UT
  • 84047
Web
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63130
Web
12/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 32773
Phone
12/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • SC
  • 29574
Web
12/04/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 32962
Phone Older American, Servicemember
12/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90045
Web
11/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • DE
  • 19958
Phone
11/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • MT
  • 59602
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45154
Web
11/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32128
Web
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MS
  • 39120
Web
11/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • MI
  • 48457
Web Servicemember
11/23/2023 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
  • 78254
Web
11/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • FL
  • 33139
Web
11/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34481
Web
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77384
Web
11/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • CA
  • 91977
Web Older American
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33884
Web
11/08/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30052
Web
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22079
Web
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33125
Web
11/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • SC
  • 29615
Web
11/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77384
Web
11/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MT
  • 59725
Web
10/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32174
Web
10/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • NJ
  • 07047
Web
10/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • DE
  • 19720
Web
10/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48152
Web
10/27/2023 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
  • FL
  • 33331
Web
10/23/2023 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
  • 77450
Web
10/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77450
Web
10/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • AZ
  • 85050
Web Servicemember
10/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • TX
  • 75403
Web
10/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 77627
Web Servicemember
10/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MA
  • 01801
Web
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 32962
Phone
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • OK
  • 73012
Web
10/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • NJ
  • 08753
Web
10/13/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75056
Web
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32065
Web
10/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • LA
  • 70506
Phone
10/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92647
Web
10/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Other advances of future income
  • Issues with repayment
  • CA
  • 95461
Web
10/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32503
Web
10/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38225
Phone Servicemember
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 22193
Web
10/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • CO
  • 80204
Web
09/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • OR
  • 97402
Web Servicemember
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • FL
  • 33016
Web
09/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • NJ
  • 08021
Phone
09/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • UT
  • XXXXX
Web Older American
09/26/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37128
Phone
09/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • MI
  • 48221
Web
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72360
Phone
09/21/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30047
Web Older American
09/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32317
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43207
Web
09/18/2023 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33570
Web
09/18/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • AR
  • 72762
Web
09/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • PA
  • 19026
Web
09/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • TX
  • 76052
Web
09/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • DC
  • 20020
Web
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38501
Web
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OH
  • 43016
Web
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37645
Web
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30088
Web
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45237
Web
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KS
  • 66053
Web
08/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • WI
  • 54880
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78250
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33407
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85713
Web
08/26/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • AL
  • 35244
Web
08/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23224
Web
08/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 77009
Phone Older American
08/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07088
Web
08/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23831
Web Servicemember
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48035
Web
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33064
Web
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • OH
  • 44060
Phone
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 71107
Referral
08/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WI
  • 54755
Web
08/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46118
Web
08/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30236
Web
08/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38141
Web
08/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • MI
  • 48843
Web
08/01/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75407
Web
08/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48075
Phone Older American
08/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76039
Web Servicemember
07/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • SC
  • 29205
Phone
07/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35405
Web
07/30/2023 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
  • DC
  • 20020
Web
07/28/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87402
Web
07/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 33919
Phone
07/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TX
  • 76021
Web
07/25/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 33570
Web
07/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45506
Web
07/21/2023 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
  • MO
  • 64130
Web
07/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 75702
Web Servicemember
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30342
Web
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77551
Web
07/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75149
Web
07/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85023
Web
07/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NM
  • 87507
Web Older American
07/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NM
  • 87507
Web Older American
07/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32960
Web Older American, Servicemember
07/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • AL
  • 36420
Web
07/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48304
Web
07/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20020
Web
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30252
Web Servicemember
06/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44119
Web
06/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • WI
  • 54153
Web
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43214
Web
06/21/2023 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
  • Investigation took more than 30 days
  • NJ
  • 07885
Web
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
  • WI
  • 53225
Web
06/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WI
  • 54220
Web Servicemember
06/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • NJ
  • 08837
Web
06/13/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NM
  • 88240
Web Servicemember
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30215
Web
06/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MS
  • 38671
Web
06/08/2023 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
  • Problem with personal statement of dispute
  • MI
  • 48075
Web
05/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NJ
  • 08021
Phone
05/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91913
Web
05/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NY
  • 11205
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23224
Web
05/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90250
Web
05/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33016
Web
05/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NC
  • 28602
Referral Servicemember
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 74701
Web
05/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30349
Phone Older American
05/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19140
Web Servicemember
05/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • RI
  • 02871
Phone
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85713
Web
05/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • AL
  • 35763
Web
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63043
Web
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MN
  • 55110
Web
05/02/2023 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
  • MO
  • 63134
Web
05/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • OH
  • 45239
Web
04/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60565
Web
04/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18360
Web Servicemember
04/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45255
Web
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75205
Web
04/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • LA
  • 70068
Phone
04/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84101
Web
04/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 10028
Web
04/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NM
  • 87507
Web Older American
03/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MO
  • 63121
Web
03/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37211
Web
03/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33712
Web
03/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84106
Phone
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94531
Web
03/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53223
Web
03/15/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 62837
Web
03/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NE
  • 68005
Phone Older American, Servicemember
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95608
Web
03/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • MN
  • 55414
Web
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
  • AL
  • 35758
Web
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
  • LA
  • 70805
Web
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • GA
  • 30328
Web
02/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
02/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45255
Web
02/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70807
Phone
02/13/2023 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
  • CA
  • 91902
Phone Older American
02/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70563
Web Servicemember
02/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07734
Web
02/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 79453
Web
02/09/2023 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
  • VA
  • 23462
Web
02/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30041
Web Servicemember
02/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07108
Phone
01/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 43015
Phone
01/28/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23502
Web
01/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30310
Web
01/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NJ
  • 07108
Phone
01/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37013
Web
01/21/2023 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
  • WI
  • 53220
Web
01/18/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CA
  • 90305
Web
01/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MN
  • 55904
Web
01/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61615
Web
01/12/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60642
Web
01/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • CA
  • 92688
Web
01/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30349
Web
12/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NY
  • 12979
Web Servicemember
12/27/2022 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 32465
Web
12/26/2022 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
  • Their investigation did not fix an error on your report
  • IN
  • 46234
Web
12/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92675
Web
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33463
Web
12/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 64114
Web
12/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AR
  • 71858
Web
12/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AR
  • 71913
Phone
12/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • MI
  • 49230
Web
12/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92602
Web Older American, Servicemember
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07004
Phone
12/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Loan payment wasn't credited to your account
  • AL
  • 36116
Web Servicemember
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37167
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29229
Web
12/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TN
  • 37033
Web Older American, Servicemember
12/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 76063
Referral
11/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TN
  • 37207
Web
11/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30721
Web
11/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • TX
  • 78704
Web
11/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 08050
Web
11/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • CA
  • 92688
Web
11/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DE
  • 19904
Web
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22902
Web
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37909
Web
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93505
Web
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30213
Web
11/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • LA
  • 70806
Web
11/02/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 22902
Web
11/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30144
Web
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44112
Web
10/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • UT
  • 84054
Web
10/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WA
  • 98273
Web
10/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60559
Web
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 71909
Web
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30294
Web
10/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30310
Web
10/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30076
Web
10/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 71006
Web Older American
09/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30082
Web Servicemember
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 49037
Web
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 38016
Web
09/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30213
Web
09/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 65806
Web
09/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • FL
  • 33161
Web
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85286
Web
09/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 93313
Web
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 62040
Web
09/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91343
Web
09/04/2022 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
  • Their investigation did not fix an error on your report
  • AZ
  • 85296
Web
09/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70805
Web
09/03/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37076
Web
09/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19734
Web
09/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • IL
  • 60629
Web
08/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • NJ
  • 07410
Web Servicemember
08/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 75220
Web
08/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • TN
  • 37033
Web Older American, Servicemember
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37013
Web
08/24/2022 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91732
Web
08/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34231
Referral
08/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
08/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • NE
  • 68756
Phone Older American
08/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32218
Web
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
08/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96815
Web
08/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87111
Web
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • UT
  • 84780
Web
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32905
Web
08/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 94591
Phone Older American, Servicemember
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DE
  • 19901
Web
07/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WI
  • 54915
Web
07/26/2022 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
  • Their investigation did not fix an error on your report
  • VA
  • 20155
Web
07/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • AL
  • 35205
Web
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33139
Web
07/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23462
Web
07/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32905
Web
07/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95608
Web
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07087
Web
07/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • ID
  • 83201
Phone
07/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • KS
  • 66218
Web
07/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • KS
  • 66061
Web
07/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MO
  • 63034
Web
06/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • RI
  • 02920
Phone
06/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 07853
Web
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31602
Web Servicemember
06/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30180
Web
06/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98682
Web
06/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 07642
Web
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30016
Web
06/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29108
Web
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90505
Web
05/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • 30303
Phone
05/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76039
Web Servicemember
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98266
Web
05/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44721
Web
05/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NM
  • 87111
Web
05/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91343
Web
05/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • 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
  • FL
  • 34769
Web
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 71064
Web
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 71064
Web
05/02/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63303
Web
04/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 31055
Phone Older American, Servicemember
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OR
  • 97209
Web
04/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 78045
Phone
04/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48047
Web
04/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63110
Web
04/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93711
Web
04/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 95380
Web
04/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30248
Web Older American
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29016
Web Servicemember
04/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95608
Web
04/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AL
  • 36526
Web
04/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • WI
  • 53227
Web
04/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 92203
Web
03/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • SC
  • 29810
Web
03/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29108
Web
03/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TN
  • 38135
Phone Older American
03/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • VA
  • 23430
Web
03/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72364
Web
03/23/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92883
Web
03/23/2022 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
  • Investigation took more than 30 days
  • CA
  • 92311
Web
03/22/2022 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
  • Their investigation did not fix an error on your report
  • SC
  • 29072
Web
03/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 24112
Phone Servicemember
03/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29841
Web Servicemember
03/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • DE
  • 19701
Web
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23462
Web
03/17/2022 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
  • WI
  • 53220
Web
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70118
Phone
03/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 70506
Web
03/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AR
  • 71913
Web Servicemember
03/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 37748
Web
02/25/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32303
Web
02/23/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77088
Web Servicemember
02/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77018
Web
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90029
Web
02/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08753
Web
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60118
Web
02/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33311
Web
02/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 20136
Web
02/16/2022 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
  • Investigation took more than 30 days
  • VA
  • 23455
Web
02/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 24151
Referral
02/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • AK
  • 99709
Web
02/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 37122
Phone
02/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60653
Web
02/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22182
Web Older American
02/07/2022 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
  • Investigation took more than 30 days
  • CA
  • 90012
Web
02/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91201
Web
02/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23451
Web
02/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • FL
  • 34135
Web
01/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92586
Web
01/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48206
Referral
01/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30349
Web
01/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • KS
  • 67654
Phone Older American
01/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MA
  • 02360
Web
01/09/2022 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
  • Investigation took more than 30 days
  • TX
  • 77043
Web
01/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30092
Web
01/05/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37211
Web
12/30/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 79416
Web Older American
12/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36109
Web
12/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MO
  • 63118
Web
12/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31716
Web Servicemember
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • WI
  • 53223
Web
12/06/2021 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
  • Their investigation did not fix an error on your report
  • VA
  • 24293
Web Servicemember
12/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98104
Web
12/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WI
  • 54880
Web
12/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28277
Web
11/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33063
Web
11/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • KS
  • 66103
Web Older American
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39503
Web
11/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60118
Web
11/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84116
Web
11/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23059
Web
11/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33647
Web
11/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08048
Web
11/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77098
Web
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32901
Web Older American
11/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NE
  • 68108
Web
11/10/2021 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
  • Their investigation did not fix an error on your report
  • WI
  • 53216
Web
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KS
  • 67212
Web Older American
11/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33411
Web
10/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77375
Web
10/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WV
  • 25661
Referral
10/25/2021 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
  • GA
  • 30014
Web
10/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 30034
Web
10/23/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84062
Web
10/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • LA
  • 70740
Phone Older American
10/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70461
Web
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63110
Web
10/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • 92506
Web
10/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 90049
Web Older American
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92071
Web Servicemember
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48068
Web
09/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NV
  • 89178
Web
09/26/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30814
Web
09/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NV
  • 89178
Web
09/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • VA
  • 23464
Web Older American
09/22/2021 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
  • XXXXX
Web
09/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 29605
Web
09/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20186
Web
09/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08514
Web
09/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 36756
Phone Older American
09/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NE
  • 68104
Phone
09/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30236
Web
09/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IL
  • 60438
Web
09/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29626
Phone
09/01/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39532
Referral
08/30/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90004
Web Servicemember
08/25/2021 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
  • Their investigation did not fix an error on your report
  • IL
  • 60301
Web
08/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30329
Web
08/19/2021 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
  • Their investigation did not fix an error on your report
  • CA
  • 92404
Web
08/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AR
  • 72501
Web
08/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23504
Web
08/15/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75189
Web Servicemember
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78609
Web Older American, Servicemember
08/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98802
Phone Older American
08/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64086
Web
08/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90019
Web
08/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92612
Web
08/03/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 64055
Web
08/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • SC
  • 29681
Web
08/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 64086
Web
08/02/2021 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
  • Their investigation did not fix an error on your report
  • MO
  • 63020
Web
07/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 44221
Web
07/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 71171
Phone Older American, Servicemember
07/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NJ
  • 08721
Referral
07/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NE
  • 68521
Phone
07/20/2021 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
  • GA
  • 30281
Web
07/14/2021 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
  • AL
  • 35022
Web Servicemember
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89129
Web
07/08/2021 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
07/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23454
Web
07/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • GA
  • 30310
Web
07/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30281
Web
07/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 99114
Web
07/02/2021 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
  • Their investigation did not fix an error on your report
  • SC
  • 29730
Web
07/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30064
Phone
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76179
Web
06/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • WI
  • 54915
Web Servicemember
06/25/2021 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
  • Problem with personal statement of dispute
  • CA
  • 90731
Web
06/22/2021 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
  • Investigation took more than 30 days
  • AL
  • 35111
Web
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92804
Web
06/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64086
Web
06/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MO
  • 631XX
Web
06/17/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MO
  • 63031
Web
06/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 18045
Web
06/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 24054
Web
06/08/2021 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
  • Their investigation did not fix an error on your report
  • CA
  • 90505
Web
05/31/2021 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
  • Problem with personal statement of dispute
  • OK
  • 74074
Web
05/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22611
Web
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92253
Web
05/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30263
Phone
05/18/2021 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
  • Their investigation did not fix an error on your report
  • SC
  • 29730
Web
05/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70802
Web
05/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WI
  • 53726
Web
05/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92663
Web
05/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 90002
Web
05/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WA
  • 99336
Web
05/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23503
Phone
05/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MS
  • 38863
Web
05/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64086
Web
05/03/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63042
Web
04/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48075
Web
04/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 29681
Phone
04/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 34685
Referral Older American
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70769
Web
04/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20152
Web
04/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TN
  • 37087
Referral
04/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • 94547
Web
04/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94549
Phone
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20152
Web
03/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20152
Web
03/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60615
Web
03/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07508
Web
03/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92543
Web Servicemember
03/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23454
Web
03/13/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38468
Web
03/13/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63043
Web
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91343
Web
03/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • GA
  • 30168
Web
03/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • AR
  • 72058
Web
03/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OR
  • 97477
Web
02/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AR
  • 71913
Web Servicemember
02/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20190
Web
02/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23462
Web
02/22/2021 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
  • Their investigation did not fix an error on your report
  • CA
  • 96001
Web
02/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
02/20/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94591
Web Servicemember
02/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MI
  • 48423
Web
02/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91343
Web
02/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95330
Web
02/16/2021 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
  • Investigation took more than 30 days
  • VA
  • 23060
Web
02/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85142
Web
02/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77098
Web
01/29/2021 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IL
  • 60418
Web
01/27/2021 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
  • Their investigation did not fix an error on your report
  • GA
  • 30518
Web
01/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94539
Web
01/26/2021 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
  • Investigation took more than 30 days
  • GA
  • 30318
Web
01/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 36526
Web
01/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • ND
  • 58601
Web
12/31/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 93292
Web
12/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36526
Web
12/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 36526
Web
12/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • SC
  • 29550
Phone
12/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08205
Web
12/15/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 36526
Web
12/10/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33168
Web
12/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NM
  • 87112
Web
12/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92114
Web
12/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • KS
  • 67218
Web
12/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
Phone Older American
11/06/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34202
Fax
11/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23323
Web
10/23/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48193
Web
10/22/2020 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
  • Investigation took more than 30 days
  • CA
  • 90301
Web
10/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30458
Web
10/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90290
Web
10/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92115
Web Servicemember
09/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AR
  • 71913
Web
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
Phone Servicemember
09/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • VA
  • 20190
Web
09/23/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63011
Web
09/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
Phone
09/17/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37830
Web
09/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35211
Web
09/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • WI
  • 54011
Web
09/13/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to turn you in to immigration or deport you
  • VA
  • 20105
Web
09/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19971
Phone
09/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AR
  • 72601
Web
09/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70444
Web
08/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
08/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MD
  • 20740
Postal mail
08/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • DE
  • 19802
Web
08/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
Phone
08/13/2020 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NJ
  • 07860
Web
08/13/2020 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
  • NM
  • 87111
Web
08/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22172
Web
08/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NM
  • 87327
Web
08/06/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30357
Web
07/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32792
Web
07/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 43025
Web Older American
07/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 36117
Web
07/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60108
Web
06/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
Phone
06/25/2020 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • SC
  • 29707
Web
06/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30016
Web
06/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
06/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 22191
Web Servicemember
06/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 91764
Web
06/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 31405
Web
05/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • UT
  • 84118
Web
05/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94402
Web
05/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30319
Referral
05/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35810
Web
05/22/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36608
Web
05/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
05/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30309
Web
05/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • KS
  • 67156
Web
05/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 23703
Phone
05/06/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70130
Web
05/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29440
Phone
04/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22726
Web
04/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20024
Web
04/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98053
Web
04/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • DE
  • 19801
Phone
04/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30319
Web
04/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • VA
  • 243XX
Web
04/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • AL
  • 35016
Web
04/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29229
Web
04/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • CA
  • 95747
Web
04/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46237
Referral
04/09/2020 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
  • WI
  • 53216
Web
03/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 95835
Web
03/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22193
Phone Older American, Servicemember
03/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TN
  • 38111
Web Older American
02/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85022
Web
02/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70602
Fax Older American
02/25/2020 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
  • VA
  • 22712
Web
02/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29445
Web
02/11/2020 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
  • DE
  • 19808
Web
02/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30721
Postal mail
02/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
Phone
02/03/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • GA
  • 30349
Phone
01/28/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66609
Phone
01/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 20607
Web
01/14/2020 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
  • GA
  • 30032
Web
01/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
Phone
01/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NY
  • 10987
Referral
01/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 24019
Web
12/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • VA
  • 22968
Phone
12/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 32244
Web
12/18/2019 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
  • CA
  • 92673
Web
12/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 90305
Web
12/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 62379
Web Servicemember
12/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
Phone
11/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70503
Web
11/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 32256
Web
11/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • VA
  • 23607
Web
11/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 37040
Web Servicemember
11/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30308
Web
11/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KS
  • 67901
Web
11/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91739
Web Servicemember
11/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • KS
  • 67218
Web
10/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 22031
Web
10/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63123
Web
10/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • IL
  • 60653
Referral
10/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with fraud alerts or security freezes
  • LA
  • 71106
Phone
10/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • VA
  • 23464
Web
10/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 24538
Referral
10/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 22903
Web
10/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • AL
  • 35603
Web
10/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • NM
  • 88007
Web
10/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 90815
Web Servicemember
10/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit limit changed
  • ND
  • 58103
Web
09/30/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • ID
  • 83204
Web
09/30/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • ID
  • 83204
Web
09/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 65020
Phone
09/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
Email
09/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
Phone
09/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23435
Web Older American
09/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • CA
  • 92260
Phone
09/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • VA
  • 23661
Web