Kashia Services CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94585
Web
XX/XX/XXXX I applied for an online payday loan, I did a search online and came across XXXX XXXX. I applied while I was at work so I was able to quickly do the verification of employment and my banking account information fairfly fast and easily. My loan was a {$250.00} loan, which I thought would be like any other payday loan agreement, ( they give me {$250.00} and on my next payday I pay them back about {$300.00} ) since i have done payday loans before. However I recall the following payday after i received the loan, on my bank statement I seen {$42.00} taken out. Which I did n't mind thinking " ok, I 'm doing payment plans, that fine I guess '' after the {$42.00} I seen {$75.00} every payday after. On XX/XX/XXXX I seen there was a charge from XX/XX/XXXX i thought to myself " ok, I should be either done of i might have one more payment to pay XX/XX/XXXX and be done ''. So i searched in my email for the contract and i seen there was a 780 % APR on these payday loan, and that i had to pay them XXXX broken down into 24 payments of XXXX and the last payment being {$83.00} payments until XX/XX/XXXX. I was beyond upset, so i called and they told me I could pay in full or keep making these payments. I said I would pay in full thinking I would just pay whatever is left over from the {$42.00} and {$75.00} amounts they had previously taken from my account. But, they stated that those payments did n't go towards the loan i had previous received and that I would have to pay XXXX for my loan to be removed/paid for. I asked to speak with someone else who could assist me with understanding this, after 30 mins of being on hold ( which was n't an accurate hold the lady had the phone to her ear the whole time and I could hear her and her coworkers ) she then sent me to a women saying she was apart of collections. I told this woman i wanted nothing to do with this scam cause obviously it was a scam and that I wanted every penny sent back to me and that i wanted to start a dispute and we could go to court because 780 % APR is crazy. She insisted that instead she would give me until XX/XX/XXXX and I could pay the full amount, I said I would look into this just to get off the phone and that I was n't agreeing to anything, I also said if i did send anything i wanted what i sent them to be a money order and for them to no longer have my account information, as well as I wanted my 42 and 75 payments sent back to me or go towards my payday loan she said it would n't be. But, that she would n't take the money out of my account and longer i basically still angry hung up and decided to do some research. I also am doing a transaction dispute with my bank and i think i should close my banking account and get a new one since this company does have my information. Especially since they stated I only have one loan agreement however when i looked online it says i have 3 when i only did one payday loan. I would n't want this company saying later on they took money from my account from another loan that i did n't actually do! There was supposedly an email sent to me saying that I could pay the last payment/full payment by money order XX/XX/XXXX however its not in my email, once again this company shows there lack of professionalism and showing that they do n't want to help their customers but actually want to bring them down and get as much money from us as they can!
04/09/2019 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27703
Web
On XX/XX/XXXX I begin caring out the conditions of my loan agreement with Inbox Loan. I was set to pay XXXX each pay period until the XXXX I borrowed was payed. My interest rate was 780 %. I was offered three payment options. 1. to pay the loan in full 2. make an additonal of atleast XXXX dollars along with my regular payment of XXXX or 3. just make my regular XXXX until the loan is paid off. So today XXXX, three months later and XXXX XXXX payments later, I ask the rep what my pay off amount was. I was told three months later my pay off was XXXX. I only borrowed XXXX. Then I was told that included XXXX dollars for interest that is computer daily. So my confusion comes because I have a similar tribal loan with another company with an APR of 675 % and I borrowed XXXX dollars with this lender. and I received both loans with Inbox and the other company at the same time. My payoff with the other company the same amount of time later ( 3 months ) is XXXX. So basically what Inbox Loan is telling me is that of the XXXX dollars I have paid only XXXX dollars or so have gone toward the XXXX I initially borrowed. I do not dispute that this is an expensive form of borrowing but when I have a similar company that does the same thing and the same type of computing of APR 's as you and the amounts are that drastically different something illegal and underhanded is definitely being done. You are taking advantage of people 's situations and somehow some way you are breaking the law and it will be revealed. As the person who took the loan out there's is nowhere on your website where I can go pull any information about my loan for myself. Just my loan agreement. But there's no break down where the consumer can see. Since I am paying these high amounts I should be able to see what was computed and what amount went to my principal and to interest. I am told several different things each time I call and we are dealing with thousands of dollars so now I don't believe this is a fair company and you shouldn't be in business and you can still be sued. Your own contract is null and void once you start lying and deceiving the consumer. What I want is to revoke the wage assignment that was included in my loan agreement and I need a break down of these APR charges so that I can compare with the other tribal loan lenders I have dealt with. One of which that I still have and am on my last installment and again I got that loan in XXXX as well and it was for XXXX dollars not XXXX. Companies like you give the whole industry and bad name and make it so hard for consumers to find companies who are fair about their practices. the rates chart online is for if you borrow XXXX dollars and I borrowed XXXX, but my payments were still as if I borrowed XXXX. Whether or not it was a few dollars less I have been overpaying this entire time. After three months, 12 payments of XXXX later I still owed XXXX and I only borrowed XXXX. The company hurried and closed the account as paid in full but I am sure they did due to the fact that they have robbed me blind already and they were more than likely hoping I wouldn't figure it out.
01/16/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 33511
Web Servicemember
XXXX Hi! This is XXXX and how can I help you? i got disconnected from the represenative. but i have 8 missed phone calls from your company in the past 6 minutes. I have not applied for a loan nor do I have any loan other than my car loan to my knowledge XXXX Thank you for communicating with us Oh! I am sorry to hear that If I may ask, how about before, did you apply to another loan company? I want to find out if someone is using my information fraudulently and how did your company obtain my information but call me to verify and i have no clue what this was until i researched it NO. no other company only loan i have is from XXXX XXXX and XXXX XXXX all my loans and payments are through them directly XXXX I understand, is it okay if I pull up the application? Can you please verify it to me? what do you need to pull the application XXXX To better assist you, may I ask for your complete name, phone number and email address please to pull up your application? im not verifying my personal information for something i didnt do XXXX I understand i have more than one email. one personal one business and i have NO confirmation email that i filled out a loan XXXX to be able for me to pull up the application, I need your name, phone number and email address please? so you randomly just call me out of the blue more than 8 times in less than 10 minutes, tell me i have a loan application and then want me to verify using my name? no i can give you my phone number since thats all you have. voicemail didn't even say my name in the voice message XXXX because again if i give you my email im more than 2,000 percent sure you wont find me that way since i did not fill out the application XXXX Let me check the phone number Thank you for waiting and upon checking here, the phone number listed in our Do Not call list i have 8 phone calls just now from your company thats why i am writing after i researched XXXX The number is in our Do Not Call list, but we can not withdrawn the application until fully verified call me again and you do not remove my personal information ill just report you i have in writing right now by law that i am asking you to remove all my information right noe i have yet another 3 missed callls as i am writing you XXXX We can remove your information in our file but you need to verify first the application no worries im going to see my attorney your harassing me with phone calls and illegally have my information. i have asked you to remove it. im not verifying my personal information thats crazy you called me another phone call XXXX My apology for the inconveniences but we can not withdraw the application until fully verified this is ridciculous no worries. your writing in black and white you are refusing to grant my process XXXX But your number is in our Do Not call list already AND I AM STILL GETTING PHONE CALLS AS WE SPEAK RIGHT NOW NOT SURE WHICH PART YOUR NOT UNDERSTANDING I DONT GIVE A XXXX WHAT YOUR COMPUTER SAYS. MY PHONE HAS LOGGED 15 MISSED CALLS SINCE XXXX
05/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27703
Web
On XXXX I borrowed XXXX. I was set up to pay the minimum amount each week of XXXX starting XX/XX/XXXX. So far I have had 4 payments of XXXX come out, one payment of XXXX and another of XXXX cent. So far I have paid XXXX. I called to see what my outstanding balance was and was told I still owe 500+ dollars. I dont have the energy to try and explain how illegal this is. Where is my paperwork explaining these charges. Then to say that mere cents are being computed toward the principal is beyond me. I called like 3 weeks ago and the guy told me that only XXXX cent was going to go toward the principal and I complained about it and he said he would do two payment to try and and trick the system so that way the whole XXXX would go toward the principal this time and not the interest. This is just absurd and XXXX. I live in NC where loans are illegal. I am getting an attorney to fight this because you cant come over here trying to put something on my credit for not letting you rob me blind. I dont care if I chose the payment plan that worked best for me. You dont get to punish me by charging me 1000+ in interest because I'm broke. But claiming yall not part of US. Okay but you taking these US funds. I called back today and spoke with XXXX who obviously just hit the lottery and has never had financial hardships ever in life and I just dont appreciate how yall try to make it seem like I am getting something for nothing. I am paying back every single cent and I pay it ontime minus this month. But now you want get a attitude and attempt to talk over me once I have an issue about yall charging an XXXX amount of interest and If my payment is XXXX dollars and I pay ontime then XXXX should go to my principal and the rest to interest. I submitted a XXXX complaint as well on XX/XX/XXXX which the company has not yet responded to because they want me to call just to argue with me over the phone and I am not about to get my XXXX XXXX up over somebody trying tell me they have a right to continue to rob me. Today XXXX and some change came out of my account and I have already paid XXXX since receiving the loan, so as of today you wont be going back in my account and I dont care about yall not responding to these complaints and thinking you gone still go in my account. I want to see paperwork of how this interest is computed. It should make sense. and I want something detailing how yall come up with out of XXXX dollars how only a few cents or XXXX dollars went toward principal and everything else toward interest. I am requesting that and as someone who is being forced to pay this and as someone with a extremely vague contract I should be able to receive it if being forced to pay.
06/12/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45140
Web
I was approved for a loan of {$500.00} XX/XX/2020. My agreement shows the payment dates extended into next year equaling to {$3300.00}. I have had about four payments taken out my account equaling to {$530.00}. XX/XX/XXXX {$85.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} I emailed customer support to see what my remaning balance is based off the payments already taken out and the response was this : " Thank you for your email of XX/XX/2020 in which you inquired about the current payoff amount due in order to settle your loan with BetterDay Loans completely. Upon checking here, you are following our Default or Scheduled Payment Option. And you are paying your loan in a number of installments equal to your payroll frequency over a years time. This option is reflected in the Payment Schedule section of your loan agreement. While this option may be more expensive, it offers the benefit of a fixed schedule. A small portion goes to your Principal and the rest to your finance fee. This is not mandatory to follow. You can pay off your loan anytime. The amount required to pay off your loan in full as today is {$490.00} finance fee not included. PLEASE NOTE, however, that this payoff amount is only valid for today from the time of this email. Please remember, you can also make a partial prepayment by paying {$20.00} or more, in addition to any scheduled payment by contacting BetterDay Loans three days prior to a scheduled payment. The additional amount that you pay will reduce your principal balance due and thus reduce the number of payments remaining ( but not the amount of each payment ). We also remind you that BetterDay Loans never charges any prepayment penalties on partial or complete early repayments and repaying your loan early can greatly reduce the costs associated with this form of borrowing. As such, prompt repayment of your loan will reduce the costs associated with borrowing and is recommended. '' I asked them where is the {$530.00} going if its not going towards my balance. I shouldnt have to keep paying if the payment is already at my loan amount.
02/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95670
Web
Subject : XXXX XXXX XXXX subsidiary Inbox Loan Not Licensed for Lending Activity in the state of CA. I began to suspect suspicious activity from the lender when I received multiple calls to complete an application after I had already done so. I was receiving multiple calls, emails and voicemail messages from various representatives of the company to verify my bank account details and at one point received an email that my bank account details were verified although I had already completed over the phone with the representative days before. After receiving the loan, I reviewed my statement and noticed incorrect amounts that were not quoted, or reviewed with me, over the phone. In addition, the monies they were going to take out on the first payment were more than stated. After noticing all of the discrepancies I began to research and found out the company was not licensed to do business in the state of California which is where I reside. In addition, I saw several reports of the parent company " XXXX XXXX XXXX '' was not licensed to do business in several states and were known to do business under various business names one of them being " Inbox Loans. '' After finding this information I contacted XXXX Loans to request their license number and was told by several representatives that they didn't know it or that their Finance department was the only one that had the number. I contacted the Finance department and was also told by the representatives in that department that they didn't know it and my request would have to be escalated. I contacted the CA Department of Business Oversight and it was confirmed by a representative that XXXX XXXX XXXX and Inbox Loan had been reported and were not licensed but I would have to contact FTC to report it. The FTC suggested I file the complaint with the CFPB. I have received numerous calls and messages to collect monies on the loan, often times late at night or at work. I am frustrated and scared this organization will take the information provided and access my personal data, including financial data. Can someone please help!
10/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OR
  • 974XX
Web
I received a line of credit of a XXXX dollars so I took out a draw of XXXX around XXXX XXXX and the other XXXX around XX/XX/2022 on this XXXX dollars I made XXXX payments XXXX dollars XXXX dollars and a pay off of XXXX dollars XXXX left my account with them owing me XXXX cents.then didn't use the line of credit again until XXXX 2022 took out the XXXX dollars then a few days later they tried taking around XXXX dollars out of my account saying it was 195 days of back intrest on the loan that I had paid in full on XX/XX/2022 that left them owing me XXXX cents I have reached out to them lots of times all I get in response is there very sorry and they will escalate the problem to upper management nobody ever calls XXXX ask them what my payment is on the money I actually do owe them and they can't tell me that because it is all been added together. So I don't know what to do because I can't make the payment on the money Iowe because they keep trying to take money out of my account for the loan that I have paid in full on XX/XX/XXXX I'm so frustrated it seems that they are trying to scam me out of money that I do not owe. I am trying to be fair and set up payments on the recent line of credit I took but I will not pay any money on the prior line of credit that I paid off on XX/XX/2022 that left them owing me XXXX cents wich they deposited back into my account on XX/XX/2022 because that was what was owed to me after payoff. So now they keep trying to take money out of my account wich I am not going to let happen until the issue with the last line of credit is resolved. I will start making payments on the draw that I received on XX/XX/XXXX when they fix my account and send me documentation showing me that I am only being charged on the line of credit that I received on XX/XX/XXXX. But all they do is give me the run around every time I call. Don't know what to XXXX recently tried taking almost XXXX dollars they are a tribal line of credit and if I can't get answers out of them I don't know who to turn to to get closure from this matter.
08/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 43123
Web
Not being able to be approved for a short term loan from a reputable company I turned to online loans thinking that it would be a better choice that a typical cash advance store. Running through the steps in this whirlwind trying to get rent paid ( even though I solidly work 40+ hours a week at XXXX , have a humble apartment and do not live outside my means ) I stumbled across the world of online consumer loans. Cash now-worry about the details later. They explained the long term agreement over the course of a year, foolishly thinking I will have paid it off by then. I borrowed {$400.00} from Inbox Loan. I have made 5 payments already since XXXX of {$120.00} every 2 weeks on my payday. The long term agreement is literally {$120.00} every two weeks for a year. That is well over {$2000.00} for a {$400.00} loan. Im crying because I cant believe how this system works how businesses are allowed to operate like that. I cant even access my original loan agreement by the way because the link expired. I dont understand as a working adult with the only thing negatively affecting her credit score or unpaid unmanageable student loans can not be given the opportunity to consolidate debt with any reasonable accredited business. I am only a number, only a credit history, only a piece of paper though I am not defined as a incredibly hard working mom who IS dependable-that wants to earnestly rebuild my credit, my life, and be responsible. I need help yet no one has my best interest in mind. I dont think writing this will be a call for finally someone to believe and recognize the potential in me and help me fix things, nor to I think this little letter will change a broken system. But I want to be heard, I deserve to be heard, and I will work to be heard. To give a voice to the hardworking Americans who have more potential in them than they could ever even realize. We are what makes everything move, the engine that powers nations the world. And we deserve to be given a chance to change our lives thus changing the world. Thank you for your time
12/20/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 93063
Web
I performed a search on the internet for quick money and/or need money fast. I received roughly 20+ calls from these loan sharks. Now I still do not know the name of the original company but I believe this is the company that is now having some " legal '' department call myself, guessing at people I know. Jeopardizing opportunities I may have for employment by calling people that are links on my XXXX account etc. They continue to call and threaten harass and state they are going to serve me papers and tell every type of person I mentioned above that they are going to serve me papers and list some case number and other Personal information, addresses new and old are given out from the collector to people I do not even know. I know what whomever they may be is doing they are trying to scare me with this serving papers and calling my colleagues some times up to 4 times a day. Some of these people tell me they feel like they are in trouble with the wording this attorney or internal to whomever this original collectors uses. I do not remember receiving any lpan let alone a specific amount. They tell me and all the people they think know me that they are going to send me legal documents and again list some erroneous case number that matches nothing in the California open limited civil cases. I know they do not have such papers at least in my county where they would need to be filed so I know that is a lie. My biggest issue is that these people can ruin my chances of finding employment and secondly at this point cause additional XXXX XXXX related to overwhelming worry and stress. May be that this inbox loan preys on the desperate. Regardless I have know idea what to do. They are truly acting like the mafia and jeopardizing by ability to gain employment. I am afraid for my life and want the to stop their scare tactics and more than 3 calls a day to myself and others. They switch around the list of who to bother each day. They do not have an idea who they are calling and just call any and all to give out personal information
07/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 97140
Web
My name is XXXX XXXX I was contacted by telephone by an agent of Inbox Loans saying that I had been chosen and approved for a loan of {$5000.00} dollars. I was explained that such a loan would help me raise my credit history. I went ahead and filled out their application online. I spoke with a man named " XXXX '' who understood my XXXX. I was then told that the loan amount I was approved for was {$500.00} dollars. The amount which they asked for in interest shocked me and I did not wish to go through with their proposal. At the agents insistence I was then explained that if I accepted a loan in the amount of {$200.00} dollars my interest payment would be {$45.00} dollars, and that my payment would be {$240.00} due within 90 days. I was explained that this would help my credit score rise. I was explained that I could start off at {$200.00} dollars at the above interest and then in time qualify for a larger loan about 1 year later. I was explained that the term of the loan would be 90 days. I agreed. My first payment was at an interest rate of {$60.00} dollars and the contract had been put through for 1 year, not the original 90 days. The company began deducting payments from my bank. I called them to explain that no such agreement was what I agreed to and that they had recorded my calls and therefore should review the calls to see that the error was theirs. Thus began the odyssey of unreturned calls, charges which continually exceed the time frame and interest rate I agreed to. To date the company does not return calls. I have left multiple calls and none have been returned. I have sent them emails and none have been answered. They have damaged by credit file and have extorted money from me under false pretenses. I am asking for assistance in this matter as I speak XXXX and feel that no one can help me. The company does not respond. It doesn't seem to be a legitimate enterprise and I am very worried.
07/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07724
Web
I received a loan in the amount of {$670.00} on XX/XX/2018 from a company name XXXX XXXX also known as XXXX. I have paid back a total of {$580.00} as of XX/XX/XXXX which comes directly out of my bank account. When I reached out to the company on XX/XX/XXXX to inquire about my balance and the payoff amount they told me if I wanted to pay off the loan on that day it would cost me {$730.00} ( XX/XX/XXXX ). I asked why is the amount I owe double what I borrowed and I had been paying the loan off as agreed and they said it's a default loan re-payment plan and I asked them how can a loan that I am paying as agreed in default and I haven't missed a payment they said it's what was agreed to and I said that's not what I agreed too, I agreed to payoff the loan within 60 days. I asked them if this is legal to charge someone 789.4 % interest rate, they could not explain. I have another payment of {$210.00} coming out of my account on the XX/XX/XXXX and that will be a total of {$800.00}. All I'm asking is to be charged a legal interest rate on the {$670.00} I borrowed that will be paid off within the 60 days from the date that I borrowed on XX/XX/18. I should not be charged a default loan payment on a loan I have not defaulted in. the average legal rate for the state of new jersey is 16 % according to the Usury laws by state. The feasible loan interest and payback should not be {$5100.00} on a {$670.00} loan, this is outrageous and this company should be investigated Please see the lending disclosure. This is my first time taking out this kind of loan it was an emergency and I needed the money for some bills but I should not have to be in debt to a company for a loan that I was able to payback within a reasonable amount of time. I was not fully aware that this company was such a scam. Please help me!
11/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • WI
  • 530XX
Web
On or about XX/XX/2018 my employer received a wage assignment demand notice signed by Kashia d/b/a XXXX XXXX stating I owe XXXX and it was sent direct to my my employer via fax. I had no idea what this was about it states loan number XXXX XXXX with an account Specialist of XXXX and an email XXXX my employer brought this to my attention because it was not a court order it came from this XXXX and they thought it sounded fishy so I did some research and I was told it was taken out XX/XX/2018. They also included info that this wage assignment is revocable at will so I attempted to email this XXXX at the he bread mail provided with no success it came back twice. So I wrote a revication letter and mailed it and my employer did receive revocation request I have been trying to figure out where to go with this request to file complaint but I'm not getting anywhere no one 's responding back to me ; nothing received f I'm anyone, so I filed a scam with the XXXX XXXX XXXX and they said thank you and they were made aware of it I haven't heard from his company since but I'm afraid they're going to come back and start all over again I did not talk to anybody from this company in XXXX so I have no idea where this came from and I've had some issues with my credit union my debit card has been hacked about 5 times now so I've got new debit cards from them so I just need to file this complaint so this doesn't happen to me with this company again if someone could help that would be great. Thank you
07/09/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 38109
Web
On yesterday Spring water Financial contacted me about a loan i took out with them. I explained to the young lady that i signed up with a debt relief company that was going to assist me with paying off my loans. And that they should have received the documents from them by now. The young lady who called said to you took out this debt and the collection calls will continue. i hung up the phone and she called back i told her i was advised not to speak with them. She then sent me a text saying Spring Water is needing a return call asap you took out this loan not any one else so we need to speak with YOU! you have have an outstanding balance of {$620.00} that needs to be resolved so collection efforts will continue until we can speak with you to meet a mutual agreement XXXX. I only took out {$220.00} so i don't understand how i owe so much I received this email this morning : Spring Water Financial has provided a loan to customer on XX/XX/19 and the customer has not made a payment on the loan. As a fact she revoked ACH thru her bank on her first payment on XX/XX/19. This customer should not qualify to be in your program for Spring Water Financial since she has not made any payment on the loan. Spring Water Financial will not settle this account for anything less than {$300.00} which principal balance with fees. If the customer worked with Spring Water Financial directly we would offer her {$25.00} bi weekly payments until the {$300.00} was paid in full.
04/06/2022 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 346XX
Web
My employer received an wage assignment via fax on XX/XX/22 that they were to start garnishing my wages within 10 days to pay off {$690.00}. I was notified by my employer and sent a copy of the notice on XX/XX/22 that they would start garnishing up to 15 % of my wages beginning on my XX/XX/22 check. The wage assignment faxed to my employer did NOT have my correct work location but had one that is closest to my home. I contacted XXXX XXXX who was the company who sent the wage assignment and asked why I hadn't received anything via USPS prior to the wage assignment being sent to my employer and that I want something in writing via USPS and verification I owe this debt. They stated they sent it via email prior to the wage assignment which I never received. I asked if they had a judgement and they stated they didn't need one. On my XX/XX/XXXX check, an additional {$200.00} of wages exceeding the amount they stated I owed had been garnished from my check and have not been returned to me. The final amount should have been {$55.00}. I have contacted the company several times and was told they would refund the {$200.00} to my employer which has not yet been received. I made my final attempt to collect my refund on XX/XX/22 and was told they process refunds on the XXXX and XXXX of the month which was never disclosed in any previous conversation when I asked about the overpayments and when/how they would be returned to me.
03/27/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20850
Web
On XX/XX/XXXX I received a payday loan for {$400.00}. Every week thereafter they took payments from my checking account. The initial payment of {$85.00} was taken on XX/XX/XXXX and each Friday after that they took {$60.00} until XX/XX/XXXX. The total that they received in all was {$450.00}. XX/XX/XXXX, I was notified by the company that they were unable to take their payment. I responded on XX/XX/XXXX by letting them know that I was currently unemployed and didn't not have any income at this time and that I would like them to stop attempting to take the funds from my checking account. I asked them to consider the loan settled because they had received {$450.00}, that payday loans are in fact prohibited in the State of Maryland and that there is an interest cap in Maryland of 2.75 %. I also asked them to stop any collections activities. Their representative XXXX XXXX ( XXXX ) replied stating that the automatic ACH has been stopped and that I have a balance of {$960.00}. She offered me a settlement of {$720.00} ( 75 % of my " total balance '' ). She also stated that I should make arrangements to pay the loan off If I didn't they would proceed with collections activities and that I would be responsible for any court fees assessed. I replied and stated that I would not be paying that amount and that I would be bringing this issue to the attention of the FTC and the Maryland Consumer Protection Bureau.
07/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 40211
Web
Due to Covid and the pandemic, my place of employment was not working full-time. So to make ends meet I decided to apply for a loan to help me out. Better Day Loans gave me a call to help me out with my situation which was towards the end of XXXX. I was approved for XXXX $ with a weekly payment of XXXX until its paid in full. They started taking payments from my account the first week of XX/XX/XXXX. And I made every payment up to this point, XX/XX/XXXX. I call to see how many more payments I have to close out the loan and the lady tells me XX/XX/XXXX will be my last payment. I'm questioning why when I'm making payments in the amount of almost XXXX $ each week. She proceeds to tell me that they only apply " cents '' to my principal and the rest goes to the interest. So as of today only XXXX $ has been applied to my principal balance out of the XXXX $ I've paid so far. I asked the representative from Better Day Loans to send me an account of all my payments and after taking a look at it my balance its over XXXX $ with my payments until the end of XX/XX/XXXX. There is no way that this is even legal to charge interest of 770 % on a XXXX $ loan and they expect you to pay it back in excess of over XXXX . I will agree to pay the XXXX $ that I borrowed with a little interest but this is ridiculous taking advantage of people and their need to live everyday with this fraudulent business practice.
12/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 410XX
Web
I had filled out an application for an installment loan with this company on XX/XX/18, and after speaking to a representative, no further contact them was made on their behalf indicating if the loan was approved or denied. On XX/XX/18, I received a deposit from Oxford Funding in the amount of {$320.00} dollars. Had this lender contacted me prior to deposit, I would have denied this installment loan, as I had no need for it. Upon reading the agreement on their website, I then found an absolutely absurd interest rate that would result in a total repayment of {$1900.00}. I then contacted them to speak with someone about settling this debt, and was told that I would be charged per the agreement and other than paying off the total repayment amount, there was no other way to settle this debt. After doing research, I have found that this company is not even licensed to do business in the Commonwealth of XXXX, and after repaying above and beyond the principal as seen in the evidence provided, I feel that this debt is paid in full, and that repaying anything more beyond what I have already paid is essentially the same as throwing money away. Any help in this matter would be greatly appreciated. I have attached screenshots of the website showing the amounts paid, as well as my bank statement from XXXX showing the deposit.
06/17/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94578
Web
I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from Better Day Loan about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called XXXX, when I told them I had no knowledge of this debt, they referred me back to Better Day, I contacted Better Day 5 times, Better Day referred me back to APEX and APEX said that they don't have my contract and that I need to get that from Better Day, I again contacted Better Day and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted Better Day 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting XXXX, I'm punted back to Better Day. I have emailed Better Day customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and Better Day and XXXX are playing games.
08/20/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 190XX
Web
I received a loan from payday lender XXXX on XX/XX/XXXXin the amount of {$970.00} with an interest rate is $ 772.94 %. I contacted the lender in XX/XX/XXXX to request an extension for the {$290.00} that was scheduled to be drafted from my account on XX/XX/XXXX. I spoke with a Representative named XXXX*****. He agreed to the extension and to submit a {$250.00} payment to my bank on XX/XX/XXXX. When I advised that I would be filing a complaint with the Federal Trade Commission, he came up with a new payment plan. I feel like I am paying double the amount that I borrowed ; here is why : Loan amount of {$970.00}. 1st payment {$330.00} on XX/XX/XXXX 2nd payment {$290.00} on XX/XX/XXXX 3rd payment {$290.00} onXX/XX/XXXX 4th payment {$250.00} on XX/XX/XXXX Total {$1100.00} The new agreement is {$250.00} to be paid on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. Final payment of XXXX onXX/XX/XXXX Essentially, that is an additional {$970.00} which is the same as the loan amount. Currently, I am unable to pay more towards the principal or pay off the balance. I feel as though I have no other option with settling this loan, and that I would have been better off making payment arrangements for the bills that led to borrowing from a payday lender. NEVER AGAIN!!!
11/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 279XX
Web
I received an email back in XX/XX/2018 from Solid Oak Finance after I had applied for a personal loan through a different lender and been denied. I had a need for car repairs and needed to come up with the funds quickly. I completed the loan application was approved and funded the next day from the Cash Advance/Payday loan lender. Since that time I have repeatedly attempted to find out the payoff amount and, on the few occasions anyone has bothered to reply to me, the amount is always higher than the initial loan amount of {$320.00} -- I have now paid {$2100.00} for a {$320.00} loan and have been informed that I would STILL need to pay in excess of {$500.00} to payoff said loan. I have also been told that this type of loan is also ILLEGAL in NC but am not 100 % certain if that is the case or not ; all I know is that I have paid literally thousands more than I should have out of a stupid and desperate need and this company should mark my loan as paid in full and also refund me at least {$1500.00} in the excessive fees. I am attempting to close my bank account to stop this but it is an extremely difficult task as I have numerous household bills debited monthly as well as direct deposits.
12/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19713
Web
I was told I had 3 repayment options. One option was payment of {$190.00}, the second was a 3 payment payback and the last was payments of {$140.00} and some change. I selected the last option, of {$140.00} and some change. The company took payment for {$190.00}. I emailed multiple times, the company claims to have only received one email at a date " too late to correct anything. '' When the company finally had someone call me ( because you can never get through trying to call them ) that rep stated she would have the recorded call pulled and call me back. When she called back she tried to say " the rep gave you misinformation. '' That is not MY problem! I initiated a loan based on the information that rep provided and actually stated multiple times through that call that if the payment amount was {$190.00} I would be passing on the loan as I couldn't afford that amount. Now the representative is passing me around between departments, placing me on long holds in between each pass, clearly hoping I'm just going to hang up and drop the issue. The information that was provided to me is recorded! Their representative is recorded telling me that I would be able to pay {$140.00}.
11/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CO
  • 80016
Web
Due to an emergency we had to try getting a loan and we went through inboxloan. The representatives rushed through the application making sure I signed things quickly by digital means. I even kept asking them if I could pay it off sooner to avoid charges and they said that's easily done. What they neglected to tell me is that to pay off the borrowed XXXX $ would cost me around 200-300 extra if it was paid in 1-2 months! If I stick with their payment schedule which goes for 12 months I would pay an extra {$3000.00} alone in interest and fees just to pay back {$550.00} with interest at over 700 %! I did not get the full details until the contract was signed and the representative pressuring me to sign quickly did not help with the stress of what was already happening. We live in Colorado and I know they have limits for such things but this company wants as much money as they can get and they dont care about the customers as long as they are paying them. How they are allowed to lend with such terms is beyond me and come to find out that they are also a tribal company. This still should not be allowed to continue ignoring laws of current states their customers reside in.
11/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 45458
Web Servicemember
I was contacted by an employee who works in payroll for my company. She asked if I authorized XXXX from XXXX XXXX to garnish my wages. I responded that I certainly did not authorize this and that XXXX XXXX definitely did not have a court order authorizing wage garnishment. I asked for a copy of the paperwork and she forwarded it to me. I 've attached a copy of the " Wage Assignment Demand Notice. '' I 've placed " XXXX '' in place of my name and personal information along with the name and address of the company I work for. I can provide a copy of the unedited wage garnishment if requested along with the email from the Human Resources professional in my company who originally received this notice. Thankfully, my payroll department did not process this notice but I 'm concerned that other companies with less experienced payroll processing may have fallen for this illegal tactic. I am still considering my legal options here as this appears to be a very clear violation of the Fair Debt Collections Practices Act. I suspect this is a common tactic with this creditor as a quick XXXX search reveals many other people who have fallen victim to this.
02/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91752
Web
It has come to my attention that payday loans and installment loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Better Day Loans, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. However, a breakdown will be provided of what has been paid on the loans to XXXX XXXX. Currently, I have received {$2400.00} installment loan effective XX/XX/2020. I had paid 7 payments in the amount of {$290.00} and 1 payment for {$370.00} totaling {$2400.00}. My loan should be voided as I have paid the principal amount back in full. I have also several loans before this and have a made an overpayment that should be due back to me for {$750.00} XX/XX/2020 received a loan for {$2400.00}. Payments made to this loan {$2400.00} XXXX XXXX received a loan for {$1100.00}. Payments made to this loan {$1400.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1700.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1600.00}
02/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • 91801
Web
My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.
10/01/2020 No
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 44146
Web
In XXXX of 2020 I took out a loan for {$600.00} with SOLID OAK FINANCIAL SERVICES and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from XXXX XXXX. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling XXXX the only options they give me is to refer to my original loan agreement which was NEVER provided by Solid Oak Financial Services. XXXX also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
04/03/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 78501
Web
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. 769.62 % {$4700.00} {$700.00} {$5400.00} Your Payment Schedule will be : Number of Payments Payment Due Payment Date {$160.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX Called in to try to pay the loan early and they didn't let me. They mentioned that I'd have to pay the whole interest.
08/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27609
Web
XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.
08/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20744
Web
XX/XX/2018, I inquired about paying off my loan. I was quoted {$630.00}. on Today, XX/XX/2018 I called to pay off loan again and was quoted XXXX because the payment could not be processed until tomorrow. I was told to contact them three days in advance which I thought I was doing. After finally asking for a manager and getting approved to pay off loan today for XXXX. i was than told they needed to verify my new bank account by calling my bank. Each time they placed me on hold for over 10mins and drop the call after and called back to say they still are trying please hold. I informed them I would be reporting this and for them to please process payment. I talked with XXXX who agreed to pay off and than to XXXX to process and he informed me of bank verification process. Finally I talked with XXXX who informed everything was ok and they will process. After an hour I received a voicemail message from XXXX again stating they now can not process my payment without bank verification. All I want is to pay off my loan.
02/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 283XX
Web
I needed a loan to help pay my car insurance because there was an issue with XXXX and my payment needed was XXXX to keep my insurance from lapsing. XXXX gave me a loan for {$700.00}. I have paid over {$800.00} back XXXX every two weeks since my last paydate in XX/XX/2017. I was told that I could pay off early and not be charged all the extra charges, but every time i call they add fees and it is over {$900.00}, if I pay before my next payment {$850.00}. I understood that my payment 's made would be added in and I would just pay a small fee for early payoff. I can't afford to pay that or keep paying {$210.00} for the next 3 years. I can only call I get no paper bill and the website is just like a click takes you back to the same page. It says returning users I logged in it just asks to sign loan papers. I'm so stressed my hours have been cut at work and I have XXXX coming out my account I have boys to feed and bills to pay. I know that I pay interest on loans but I think this is too much.
12/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • WI
  • 53216
Web
received information in mail that my I was pre-approved for a loan. Being close to XXXX I applied on XX/XX/19 again because I applied 5 month ago and did not accept the loan. I telephone them and inbox indicated they had my prior information but I need to reapply, so I did on XX/XX/19, they indicate I would get a fast approval and Find Out Within Seconds If You Are Approved. they took my information online and someone was to call me but never did. I called them at XXXX and they indicated they do not have my information anymore and do not know who got my information at their company. now I am afraid about ID Theft because they are not follow FCRA in my case. spoken to them again to try and solve this problem and they " XXXX '' indicated they had a uploading problem and would call back however, I never received any further notices from them other than the pop-up saying I would receive a call from them to fund the application/loan,
10/01/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44146
Web
I took out a loan with them and was paying it back with automatic withdrawals, my hours were reduced due to the pandemic which i advised them of in writing. I NEVER received a copy of the original loan agreement even though I called several times asking for a copy of it. Now I received notification from my HR department my account was sent for wage garnishment in the amount of {$1900.00} which the last statement I received states a balance of {$1300.00}. The garnishment or the collection attempts were not filed in court. and I was never given the opportunity to dispute the garnishment or settle the debt accordingly. I never received any documentation from the collection company at all! When I call the collection agency all they keep telling me is to refer to the signed loan agreement which I do not have! and they will not even allow me to dispute or settle the debt with a payment plan. They are demanding the entire {$1900.00} in full!
06/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 770XX
Web
XXXX XXXX have been calling and emailing me threatening to contact my employer if I don't pay the loan. I received an email from XXXX XXXX stating and I quote " This is the final notice about your loan we have tried in many different ways contact you to talk about your past due balance, we demand the payment of the past due balance as soon as possible. At this time we must make a decision on whether we need to increase collection efforts by attempting to contact you at your place of employment that you gave us when loan was originated. You can avoid this disturbance by reaching out to us Please contact me at XXXX If you decide ignore this notification your account will be forwarding externally. Best Regards, XXXX XXXX I need them to stop all methods of contact immediately because I have contacted the Federal Trade Commission and will take other legal avenues if neccessary. DO not contact my employer at all.
02/10/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AL
  • 357XX
Web
My employer received a fax from XXXX XXXX that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company Solid Oak Finance which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by Solid Oaks about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/
11/07/2018 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 {$870.00} from XXXX XXXX on XX/XX/2017. I have since repaid {$1200.00}. I still have a balance remaining. I was aware that the loan would have such a high interest rate, but 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. None of the email addresses listed on the website are active or working as I have gotten all of my emails returned ( see info from their " Contact Us '' website link below. ). I have called three times and no one has answered ( see info from their " Contact Us '' website link below. ). P : XXXX E : XXXX E : XXXX XXXX
07/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 338XX
Web
I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals
04/10/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • AZ
  • 850XX
Web Servicemember
I'm writing in regards to XXXX XXXX to inform you that this company is taking advantage of military dependents. I took out a payday loan with this company in XX/XX/XXXX in the amount of 970.00 dollars. This company has been taking money out of my account every pay period in the amount of 290 plus a pay period, which is over 580 dollars a month since XX/XX/XXXX. I was never informed that I would need to pay 780 percent interest on a 970 loan, that would amount to over 6500.00 needing to be paid back. this is an abusive organization and when I called to complain today XX/XX/XXXX because they said I still owe 1300, but only if I paid today the whole amount. otherwise they said they are going to take out 5 more payments at over 290 a payment. How is this company even allowed to operate and charge people 780 interest? They need to be investigated for violation of the military lending act.
09/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • WI
  • 544XX
Web
I decided to get a payday loan from Soild Oak Finance. I ended up getting behind. Got over my head in other payments. I tried making an arrangement of {$50.00} per month. I never heard back from them. Found out this lender has garnished my wages. I never received any small claims summons, any paperwork from Soild Oak telling me they were suing me. I looked in Wisconsin Court access for anything of them suing me. There is nothing. I am below both state and federal poverty line. On food stamps and state paid XXXX. Under WI SS 812.35 this is an ILLEGAL garnishment. Under federal law, this is an ILLEGAL garnishment. We want to file a complaint, want the garnishment to STOP and want to be reimbursed for all monies taken ILLEGALLY from my pay check. Company who take advantage of poor people then go around federal and state law and steal from them shouldn't be allowed to be in business!
08/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 78229
Web
I got a payday loan for about {$220.00} over a few months ago. They have been taking out about {$68.00} every other payday. This has been going on since XXXX of last year. The initial payment started in XXXX for {$81.00} then {$67.00} every two weeks since. I tried asking them for a copy of my contract but they haven't given me one. I've also ask them when are they gon na stop withdrawing out of my account but all they can tell me is that I'm still in contract. Per my calculations I have paid over {$800.00} for a {$250.00} loan. Is their a way you can help? Also this particular loan company likes to charge a annual percentage rate of 769.32 % with a financial charge of {$1700.00} making the pay back close to {$1800.00} for a year. The company never informed me of the super high interest or annual financial charge otherwise I would have never taken it.
05/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MO
  • 65251
Web
Originally applied for {$5000.00} was approved for {$900.00}. At that time we thought paying {$6000.00} for a {$900.00} loan was insane. So my wife and i decided against it. That was roughly around XX/XX/2019. XXXX XX/XX/2019 we decided to go through with the loan. My wife submitted the application was approved for the {$900.00} provided all information ssid banking etc and after they provided the payment breakdown she e signed the contract. Then they said she had to call a number to finish the process. During this call they re collected all her information then after a few minutes informed her she was now only being approved for {$270.00}. With the exact same payments and cycle as for the {$900.00}. When my wife challenged this discrepancy XXXX the supervisor hung up on her. So now they have all our banking information and personal information.
07/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NY
  • 14217
Web
I am a victim of identity theft. I filed a police report. I found out about the XXXX XXXXt account after receiving collection calls. I have emailed and regular mailed a letter and the police to XXXX XXXX numerous times. Every time I call to follow up I speak to the same person. She advises me that there is literally no other person there that can speak with me. She said she does have access to the mail or email and will not give me a time frame for when this account will be closed as fraud. She will not let me speak to anyone else and refuses to give me to upper management or a supervisor. I did not open an account with XXXX XXXX. I did not authorize an account to be opened with XXXX XXXX. I filed identity theft with the police and with the FTC. I want this account removed and closed out so that I am not held liable for something I did not do.
07/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 217XX
Web
I applied for loan on XXXX XXXX effective date XXXX XXXX. I was approved for {$620.00} total payments {$4800.00}. On XXXX XXXX {$170.00} was debited from my account then on XXXX XXXX {$180.00} was debited. My bank account was in the negative so I called inbox loans & ask them to remove me from ach on XXXX XXXX which they did. Then I had car problems which cost over {$500.00} & the garage ran my check through before they was suppose to which my account went overdrawn again on XXXX XXXX. I messaged inbox loans on XXXX XXXX & told them why I fell behind. Then on XXXX XXXX I recd an email that since I havent made a payment they was going to garnish my wages. Right now I cant afford that. I will send you a screenshot of the email. I would greatly appreciate anything you can do. Thank you. I didnt realize that this company was not legit in Maryland
06/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44460
Web
I was loaned XXXX dollars on inboxloan.com and spoke with a person to get the loan. He simply told me I was to pay XXXX dollars plus interest. Well turned out I was able to login on the website the day I got the loan and before I got the loan. The day after I got my loaned they simply closed my account. Well actually it wont let me login. But I know they secretly shut it down or something cause other people had the same issues with login. Also issues with talking to customer service they simply hang up. I was charged 799 % interest and was shocked. The agreement they just had me sign and they said everything on the agreement was covered from over the phone. My XXXX dollar loan ended up me owing 4000+ dollars back. I will never do a loan ever again this is straight robbery and I do believe my information is being sold.
11/29/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • OH
  • 44109
Web
On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.
12/05/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 44105
Web
I receive the loan from XXXX XXXX for XXXX and I have made one payment of XXXX on XX/XX/XXXX. I thought the payment would be once a month not once a week, I called and asked how much of my payment went to the principle of the loan and they informed me only XXXX cents each week goes to the principle. I ask how much to pay off the loan then I was informed that it would XXXX plus on XXXX and only XXXX cents applied toward the principle. I understand these loans are high interest loan but at this rate i can never pay this loan off oh the {$140.00} has a term of 52 weeks I needed the money to pay some utilities and but I never expected to be gauged like this. The customer service people are foreign and hard to understand very evasive in answering certain questions.
12/23/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MI
  • 482XX
Web
I was contacted by the company Better Day loans, out of XXXX California on XX/XX/XXXX after XXXX EST. They said I had filled out an application, and did I want to proceed. I told them that I had not filled out an application, and that they should remove me from the system. I asked for a manager to make that request, who then asked for my social security Number. I told him no, I then asked for his name ( He gave it as XXXX XXXX ). He then said they would cancel all my info and send it to an email. He wouldn't tell me the email, so I could not verify if they were even stripping out my information correctly. My phone captured their information as : Response Team XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , OK XXXX
01/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • XXXXX
Web
I had started to receive a bunch of emails from different companies stating they had received my application for a loan, and to sign here. I NEVER APPLIED FOR A LOAN, AND I NEVER RESPONDED TO ANY OF THESE EMAILS. ONE COMPANY XXXX XXXX, HAS CALLED ME REPEATEDLY, EVERYDAY FOR OVER A MONTH, AND NEVER LEAVES A MESSAGE. YESTERDAY I PICKED UP THE PHONE AND TOLD THEM TO QUIT CALLING ME AS I HAD NEVER APPLIED FOR A LOAN. TODAY, THEY CALLED ME AGAIN BEFORE XXXX. I AM SICK OF THIS. HOW DID THEY GET MY EMAIL IN THE FIRST PLACE, OR MY PHONE NUMBER, AND THEN WHAT GIVES THEM THE RIGHT TO CALL ME REPEATEDLY EVERY DAY FOR OVER 30 DAYS AND NEVER LEAVE A MESSAGE. I AM SO SICK OF THIS. THE TELEPHONE NUMBER IS XXXX SAYS FROM XXXX, CA.
10/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • 954XX
Web
I was approved for a online payday loan of XXXX on XX/XX/2022 and went effective XX/XX/2022. This company obtained all my personal financial information such as checking account number, routing number, id, social security and address. I never received the money yet I keep getting notifications from XXXX XXXX that my information has been compromised. I have tracked down their contact information and address. I have called and called and can not get through to anyone. It says it will call me back. The address is a XXXX XXXX so i can not go to the actual place and meet with anyone. I dont know what i should do, as i am completely frustrated. Please advise. Many Thanks XXXX XXXX XXXX XXXX XXXX XXXX
07/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 361XX
Web
I have been trying to get in contact with Pave Credit regarding my existing installment loan. However, no one is returning my phone calls. Also I am very disturbed by the interest that has compounded on this loan I only borrow {$600.00} but now I owe {$1600.00}. XXXX, My concern is that this loan that I really needed at that time could possibly be imposing illegal fees and interest and maybe fraud being that I now owe them XXXX dollars but I only borrowed 400-600 from this company. Ive been making steady payments up until about three weeks ago. Where is my checking account was compromised so as to notify them that I need to set up another pay method, they failed to return all phone calls/emails.
11/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32839
Web
On XX/XX/2019 I requested a personal loan of XXXX for some unexpected bills. The agent didn't clearly explain to me the interest rate or what amount I'll be paying back. To my understanding I was told I'll be paying back a small amount on top of the loan I'm borrowing. Due to the amount of time for processing she stated I have three minutes to complete the application in order to receive the funds by the time deadline. The agent then had me to rush to complete my signature and stated I can read the agreement on my own time. I have paid a portion of the loan I borrowed and will now go into the interest rate of the loan payment which is more then what I expected {$5000.00} of XXXX I borrowed.
12/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • WY
  • 826XX
Web
Applied and was approved for a loan in XXXX of 2022 for {$1000.00} of which I could withdraw funds as needed. However almost immediately they said they were having an issue with their website and I couldnt access funds. This continued for some time. At one point I could not make a payment and contacted them immediately and was allowed to miss it but would make it up at the end of the loan. They then took it from my account without my consent or knowledge causing me to overdraft right before XXXX. Still could not access my supposedly available funds and was no longer receiving communication from them. Then they just cut off my account access completely today.
09/07/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 164XX
Web
I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.
04/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32926
Web
Well, I received a loan from inbox loan company on XX/XX/2018 for the amount of XXXX. At that time I wasnt aware that annual percentage rate was 780 %, Ive made payment my first of XXXX on XX/XX/XXXX but after that payments have been XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and at this rate if I dont pay off the XXXX plus XXXX Im one full amount i will be making XXXX every other Thursday until XX/XX/XXXX. Ive already paid back more money than i received from them but The payments are becoming a problem and I feel like i was taken advantage of because I didnt know it would be this hard to make balance the payments with my regular bills.
10/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46628
Web Servicemember
On or about XXXX XXXX, XXXX, {$500.00} was deposited into checking account from XXXX. The annual interest percentage rate is 780 % with finance charges being {$3400.00} with total payment being {$3900.00}. XXXX XXXX XXXX then contacted me by telephone the same week exposing XXXX XXXX to me that their ( inbox loans ) lending practices violate Indiana laws by exceeding the interest to be applied towards payday loans at an annual percentage rate of 10 % of {$500.00}. 780 % finance charges for this payday loan far exceeds Indiana Statute 24-4-4.5-101 et seq. and is a direct violation of the Indiana Statute which prohibits these types of finance charges.
07/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01852
Web
I got a {$1400.00} loan From Better Day Loans come to find out later they are charging me interest rate of 775.73 % Massachusetts has laws rules on loans no higher than 20 % APR. I have Reached out several times to Better Day Loans with no Success. This company trys to take advantage of tribal immunity and avoid interest caps. it's the FTC Act grants the FTC authority to regulate arms of XXXX XXXX, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a XXXX XXXX. Lender its not above the law in Massachusetts this loan was deceptive and I feel I was taken advantage of. Please Find documents attached
10/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MD
  • 21113
Web
I sent an email to the company on XX/XX/20 stating that I lost my job and to not withdraw any funds from my account, and that I would make OTHER PAYMENT ARRANGEMENTS. And that there will be no funds in the account to withdraw from. They have consistently tried to withdraw {$250.00} from account 5 times causing me to have NSF fees at {$32.00} making it a total of {$160.00}. They then successfully withdrew the {$250.00} plus a NSF fee of {$32.00} on XXXX/XXXX/20. Causing my account to be negative of {$290.00}. I have contacted the bank and they are allowing me to dispute the withdrawal. So now I am contacting your company for further assistance.
01/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • CA
  • 94080
Web
On XX/XX/XXXX, {$97.00} was deducted from my account. This is the normal amount. I received an email on XX/XX/XXXX, indicating my bank rejected the payment. I sent an email to XXXX to inform them that my payment did not fail. Even included a copy of my bank statement. Email was responded to by saying they needed more info. I provided info via email and phone. Was told they are using a new payment system call back Friday. Today, XX/XX/XXXX I received a email saying payment still not credited. I called immediately afterwards. They are closed. I sent an additional email and bank statements again. And told them this is fraud on their part :
02/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • KS
  • 664XX
Web
As of XX/XX/XXXX to XX/XX/XXXX I have paid you {$680.00} but when you add XXXX thru XX/XX/XXXX which is {$380.00} that total is {$1000.00}. I only borrowed {$600.00} even with high interest it would have been {$800.00} in XXXX you said I owed {$320.00} so with that being said you went over {$73.00} but with paying you over a thousand dollars youshould owe me {$270.00}. I know about high interest because I have a title loan and it only get no more the {$200.00} more then what I paid. If I dont get my {$270.00} back that is owed to me I will take this to court and call the XXXX XXXX XXXX and report you for over charging.
10/19/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 979XX
Web
Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.
11/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 318XX
Web
On XX/XX/2018- I was loaned {$300.00} via online by XXXX XXXX XXXX. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 828.57 % - a significantly higher interest rate.
06/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 338XX
Web
Loan comes out every Thursday last one came out XXXX XXXX ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole XXXX by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to XXXX so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have XXXX kids and do n't know what we are going to do.
07/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29418
Web
I wrote to cancel the loan before it was even deposited on XX/XX/2020 as outlined in The contract by writing. It said that I must submit it in writing to their email XXXX. I did this and received no response. Once the funds had been submitted into my account I called them and they said they would take the amount of the loan back with no charge on Friday XX/XX/2020. But I have received no written communication that the loan has indeed been cancelled. I followed the instructions in the contract to cancel the loan exactly as was stated. I just want clear written communication that the loan has indeed been cancelled.
02/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 43204
Web
This company has called me repeatedly for the past week. I finally called them today saying that I never applied for a loan. They said they had an application for me in my middle name. I told them that no I didn't apply and that is my maiden name and is a fraud application. She said that should could cancel my application but needed to verify my information. What information? I never applied. She asked for the last four of my social security number. How does this company have this when I didn't apply for anything? I need my information deleted from this customer 's database and the harassment to stop!
04/29/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34472
Web
I took this payday loan out of desperation. I called on Thursday XX/XX/XXXX and was told my loan payoff would be XXXX And then when I called back on Friday XX/XX/XXXX I was told my payoff was XXXX. Because of late fees and interest. I emailed 2 times in XXXX to find out my pay off and to notify them I changed jobs and my pay days had changed. With no response back. In addition to their late fees and interest I was charged. My bank charged me XXXX each time they withdraw their payment. You can't resolve anything with me because they don't return emails or phone calls from their finance dept
03/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33023
Web
I have borrowed a very very small loan of {$250.00} from a company called inbox loan. On XX/XX/XXXX they have took {$48.00} out of account. The week following XX/XX/XXXX they took out {$37.00} out of account. For the next 3 months I have been charged every Friday {$37.00} till this day. After gettin off the phone with a cosumer rep from inbox loan on XX/XX/XXXX I was told I have signed the right to pay back this very very small loan of {$250.00} for one year. So by XX/XX/XXXX I would be paying back {$1900.00} to this company when I have only borrowed a very very very small amount of {$250.00}.
04/07/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • XXXXX
Web
XXXX {$670.00} The company said I was approved for $ XXXX.Inbox loans took all my info down and said I had to fill out the agreement which I did.Every time I try to get the loan the loan officer kept saying he needs more info.I gave him all my info he needed and still he won't process the loan.I called them on the XX/XX/20 no answer ; XX/XX/20 no answer ; and today XX/XX/20 ask again, they hung up on me.Only when I said i would report them.I did not receive any money from them.I contacted my bank to make sure they do not take any money out of my account.
06/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 972XX
Web
The interest rate is 769.31 % so pennies are going to my loan of {$750.00} whereas they are charging over {$220.00} every two weeks in finance charges. I'm drowning. The total amount to be repaid on a {$750.00} loan will be over {$5000.00} please help. Their website says they allow credit card payments but when you call they say they can not accept them. I'm not even sure if they can legally charge such a high interest rate to a resident of the state of Oregon. Are you able to check if they are a valid tribal company or if the interest amount is legal?
12/07/2023 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60641
Web
My identity has been involved in a XXXX data breach. I was unaware of the data breach and was then hit with constant calls that involved debt collectors from Credit Card companies and personal loans. I believed that these were just spam calls and people trying to get me to pay money that was not real. I then tried to pull a credit report and the credit report was frozen and they were not frozen on my behalf. I have filed a claim and an identity theft report. Please remove all hard inquires, payments, and collections from my report. Thank you
10/05/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21206
Web
on XX/XX/XXXX i requested for a loan for XXXX lady told me i can pay back in 3 payments of XXXX or but call back to let her know oncecthe money is deposit .the money was deposited on XX/XX/XXXX XXXX .i phone on XX/XX/XXXX and the amount was double she said that XXXX will be debt on XX/XX/XXXX, on XXXX and the last payments will be debt on XX/XX/XXXX i was totally shock because i was told i. Only have to pay back XXXX if i set up 3 instument.please help me name of business is Better Day loans XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX.
04/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85051
Web Servicemember
The interest is actually not even calculated in APR ( which they advertise only on their contract at 780 % ). Biweekly and interest finances charges on the loan are excess of 20 % to 40 % of principle. Even paying the loan within two month would essential cost double of the principle. Of the initial payments of 300 dollars, pennies on the dollar are applied toward principle. The lender is compounding interest daily, assessing finance charges above lawful pay day lending limits, and is otherwise using predatory lending practices.
10/12/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • FL
  • 33012
Web Servicemember
I received a Writ of Assignment at my job regarding a payday loan for Solid Oak Finance collector is XXXX XXXX. They claimed I took a loan out with them and did not pay. I have no knowledge of this loan. I tried to explain that my identity was stolen over 15 years ago and every now and then I still see credit cards and misc. loans appear in my credit report. I have tried fighting them off my credit for years. XXXX XXXX is claiming to have contacted me and I agreed to a 15 % withdrawal of my earning which is not true either.
06/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NJ
  • 08028
Web
Back in XX/XX/XXXX, I requested a loan for {$200.00}. I made a payment plan that allowed me to pay one payment of XXXX and XXXX for the rest of the payment every two weeks. I should be done by now, but I just noticed that I am still paying as of XX/XX/XXXX on a weekly basis. On top of that they lied in an additional document that I received {$500.00} from them when I only received {$200.00}. I didn't realize sooner because I thought I was paying my student loans that I owe. Is there any way that I can get my money back?
07/21/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CA
  • 93535
Web
Receive a phone call from my employer in XX/XX/XXXX stating that XXXX XXXX Inbox Credit is trying to attempt to collect a debt dated back XX/XX/XXXX with a wage assignment form. I called the company on that same day to resolve the debt they stated they couldn't help me and wanted my employer to send them back the form fill out with my payroll information. I don't even remember getting this loan out and no prior contact was made to be via mail or phone call. they sent my employer a incomplete form which I've attach.
07/30/2021 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • 94591
Web Older American
Was given two previous loans with vip status. On the ad when researching company they didnt offer me XXXX after first loan. Also I said I was gon na file a complaint and they are back lashing on me now and I am not being given anymore credit by them. They said it's because i wasnt happy with services .i was happy but they are discrimination against me now by not allowing me to fairly use there services anymore. They are being unprofessional and violating my rights to be extended credit like I was before.
06/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08085
Web
I applied for a loan through XXXX . Them the y said they were going to send my request to many lenders but they only sent it to one which was XXXX . They are predatory lenders. I did n't sign any agreement with them but they are constantly calling and sending emails trying to get me to sign a loan for 774 % .I am not very educated but do know that in know way is this a legitimate way to borrow money. I would be better off going to a loan shark. Something needs to be done about these predatory lenders.
07/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • HI
  • 96706
Web
On XX/XX/2018 my employer advised me that a letter was received from Kashia dba XXXXXXXX XXXX. The letter states I agreed to have 25 % of my wages garnished for a total amount of {$1600.00}. The loan amount was for {$700.00} and i never agreed to pay over {$900.00} plus the original loan amount of {$700.00}. The letter sent to my employer states I agreed to the garnishment which is untrue. This company has not reached out to me to make any arrangements prior to submitting this letter to my employer.
08/29/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21234
Web
I received a loan in the amount of {$450.00} from XXXX XXXX around beginning of XX/XX/XXXX, 2017. I have made a payment every 2 weeks since it is automatically taken from my checking account and my balance never seems to go down. I have since then stopped making payments but have made payments over {$700.00} already. Please help the interest is ridiculous. I had no problem paying for what I borrowed which I already have and over that amount but the fees and interest is ridiculous.
02/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33917
Web
773.69 % interest rate I borrowed XXXX in XXXX XXXX I have to pay back XXXX by XXXX XXXX. XXXX in deducted from my back account every week. To date I have paid back over {$2000.00}. This is a predatory loan. I cant afford to keep paying out another 8 months. When calling and talking to them about deferring a payment they want me to double up the following week. I need to reach a settlement agreement and stop authorization from them taking money out of my bank account.
12/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 19020
Web
Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.
10/27/2021 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OH
  • 43206
Web Servicemember
Company provided with a verbal do not call request as well as cease and desist via email. A representative confirmed receipt of emailed notice. Notice given on XX/XX/XXXX demanding company to cease all verbal communication and communicate only via writing. Since that time I have received no further written communication. However, there have been several phone calls made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX.
06/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • OR
  • 97301
Web
I filed a complaint with CFPB in regards to the handling of the account, as they were calling before XXXX XXXX, several times per day. Their response was to apologize and close the account as paid in full. I spoke with them on XXXX and uploaded their written response and now they are calling me for payment again. They stated to me and the CFPB that this account was closed and paid in full so its not okay that they are still trying to collect payment
06/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • DC
  • 20002
Web
On or about XX/XX/XXXX, I experienced an unexpected financial crisis and needed additional funds to help me with this matter. Better Day Loan pre-qualified and later approved a loan for {$1000.00} on or about XX/XX/XXXX. After making 12 successful payments, in an email dated, XX/XX/XXXX, I was notified that I may be eligible to refinance the current loan to a new one with additional funds at a lower rate to which I received an additional {$500.00}.
03/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • 92108
Web
I got a XXXX dollar loan. I tried on 2 pay periods to call and pay the loan and at each time it was busy. This is the advertised number to call in the site. Since then they have taken XXXX a week. I let them take the loan amoubt before issuing the stop payment thru XXXX XXXX. I want to warn others but I want action taken. This is fraudulent. I know I have paid XXXX thus far. They got another XXXX today. Hopefully XXXX XXXX will get that back.
10/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 180XX
Web
I took at payday loan out for XXXX and I'm paying 780 % back! I didn't realize they were charhing me that much of a percentage and i think its ridiculous. This company is making over XXXX back for a XXXX dollar loan I took out. Its a year long loan. I pay XXXX bi weeklyb had i known it was that high percentage I would've borrow money from a friend! Please look into this matter as they should not be charging 780 %
08/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NV
  • 89178
Web
On XX/XX/XXXX, I applied for an online loan. The only site to approve me was XXXX. I went through the verification process, received the loan and started the repayment process. I started to read reviews on this company and I found out this business is not licensed in Nevada, however they have been charging me outrageous fees. How do I get them to stop before they send wage garnishment requests to my employer?
07/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CO
  • 800XX
Web
Called a phone number I did not give them to collect a debt. They called my supervisors direct line and left a message to collect a debt, on XX/XX/2018, this number was never given to them which means they invaded my privacy to find it. The attached is the voicemail. They have called every 10 minutes while I am at work and leave 3 second messages until my voicemail full, the messages do not say anything.
06/28/2021 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • DC
  • 20002
Web
To date, XX/XX/2021, Having paid {$1000.00} in payments for an emergency loan totaling {$500.00} during a global pandemic, I requested that Redwood Coast Finance stop taking automatic payments from my XXXX XXXX XXXX ( XXXX ) bank account ending in XXXX for payments to my account number with your company XXXX. The company acknowledged my request but then threatened to report my file to the credit bureaus.
02/15/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 22554
Web
Payday loans with this amount of interest or illegal in my state which is Virginia. I applied for a short term loan which was {$400.00} in XX/XX/2018. They are charging 720 % interest claiming they are operating under federal tribal law. In Virginia it is a class 2 misdemeanor to charge this amount of interest. I am attaching pictures. What they are doing in my state is illegal. Offering internet loans.
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 351XX
Web
I got a loan for {$470.00}. Now the company is saying I owe them XXXX XXXX. They said the repayment would only be {$470.00} + XXXX XXXX in interest. Now they are saying I owe {$2000.00} & my installments are only paying {$2.00} towards the principal every payment. They representative said 1/2 of the {$130.00} payments was the principal & the other half was going to the interest. This was not the case.
11/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 91739
Web Servicemember
Lone star cash and i had come to an agreement for totla paymnets of XXXX they are still withdrawing money from my account even when they were paid they now have been paid XXXX cents to date on a XXXX dollar loan that is tribal and illegal. I have now closed my bank account and have paid them more than agreed to. they were to close my accoutn and settle the loan and they are refusing. loan id # : XXXX
01/17/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • OR
  • 97301
Web
This company has continued to call me repeatedly. They have called as early as XXXX am and will often call several times in a row, send text messages and emails. I usually get at least XXXX attempts of contact from them in a row. This morning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 18052
Web Servicemember
I have taken a loan from this company called inbox loan. The loan amount was {$500.00}. Im am being told that despite my biweekly payments. Im being charged daily fees that in order to pay this loan in full will be in the amount of {$1400.00}. Please help me to get pay this loan off and be free and clear of this debt. This company is obviously charging me more money that what was borrowed.
06/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 604XX
Web
I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into XX/XX/XXXX . Today is XX/XX/XXXX . I will have paid over {$3000.00 } ( 775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.
10/20/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98004
Web
I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.
11/27/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • XXXXX
Web
Springwater Financial is not trying to work the problem out. I've paid {$590.00} on a {$350.00} loan and want an additional {$790.00} .Spring Water Financial continue charging 700 % interest and up on a {$350.00} loan is illegal in Ga. I have to keep renewing in order to keep payments current.They harass job and this unfair business practices in USA.
10/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 070XX
Web
on XXXX XXXX 2017 inbox loan has emailed my boss a wage assignment letter in order to pay back the loan including the high interest and principal. I called the collection company that emailed my boss and was told that I could not make a payment plan and that I would be taken to court to collect the loan with the interest and principal.
11/24/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • XXXXX
Web
I am paying XXXX percent interest. I asked for a reduction in rate and they told me no. I did some research and learned that this company is not licensed in Massachusetts and additionally the rate of XXXX per cent is illegal in this state. I'm currently out of work and these payments are putting me in financial ruins.
10/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 43081
Web
On XX/XX/2020 I took out a loan of XXXX. I was charged an APR of 775.35 % with a total finance charge of {$9900.00} and total of repayments being {$11000.00}. As an Ohio resident under Ohio lending laws I dont think you can charge an APR that high even with XXXX Agreement or consent for alternative interest rate.
04/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92107
Web
This company is XXXX people how need a little help. Ive had payday loans befor but this was ridiculous. The original loan was XXXX. I paid XXXX over XXXX months and today I paid it off for XXXX. It went up!!! Not down. This company is taking advantage of people. No one can afford this! Why is this even allowed?
12/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • XXXXX
Web
I called to get an refinance loan. They said no canceling my application. I asked why. I borrowed XXXX and they said I have to pay XXXX in order to get a refinance. So I asked could my payment be waived until my next pay date again no. Even though more than half of the borrowed amount has been paid.
03/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 444XX
Web Older American
Got a loan thru XXXX XXXX for 250.00 came across difficult times could not pay back they contacted employer and said to garnish wages human resource person called me and asked me about this no court order I agreed to 50.00 biweekly what they want is 750.00 I have already paid about 400.00 is this legal
08/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 19120
Web
Ive paid a total amount of XXXX to XXXX XXXX. My payday loan was only for XXXX. I contacted the company about taking funds from my account and they said I was supposed for pay off interest. The amount I paid already is double the amount issued and there still trying to get money from my account
12/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48036
Web
I took out a personal loan for a total amount of XXXX. The representative did not disclose the interest rate of 776 % to me during the initial phone call. After reviewing the financial agreement I will be paying a total of XXXX back which is extremely high. I took my loan out on XX/XX/2020
08/14/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • WA
  • 990XX
Web
I am the XXXX " " the garnishment I received via email on XX/XX/18 ; for an employee, did not appear to be standard ( signed by a judge or court officer ) I contacted our attorney who then referred me to you to report this. I have all emails and paperwork sent to me by XXXX XXXX XXXX.
12/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34746
Web Servicemember
I signed up for a {$500.00} payday loan which I just finished paying off. I didn't realize that the interest rate was over 700 % I made 20 payments of {$160.00} which paid back the loan but then I realized that I paid {$2700.00} in interest. I would like everyone to know about this.
08/30/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 28405
Web Servicemember
I am currently out on XXXX XXXX after having XXXXXXXX XXXX XXXX XXXX & I can not afford to pay the high interest payments while I 'm out of work. They have started calling my place of employment & several references even after I told them not to. The interest is way to high as well.
10/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28205
Web Servicemember
The loan was only for {$650.00} and if I pay it off by XX/XX/2018, I will have paid them {$1600.00}. This is insane and unfair, when I only borrowed {$650.00}. Their solution is the earlier I pay back the loan the less I will have to pay back in interest rate, is what they said.
09/26/2023 No
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60123
Web
I took out a XXXX loan in XXXX I been paying this loan for 3 months in the interest is extremely high they did not explain to me that I would be paying this loan for a year they take XXXX out my account twice a month in the amount not going down and I only received XXXX $
12/19/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92705
Web
XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me. I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.
06/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34203
Web
Well they Loan me a XXXX dollar but in return I wouldve to paid XXXX back which I think thats way to much so I assume they trying to scam me ..and also the percentage rate is XXXX which really not adding up so I want help out of this Loan situation please!
01/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 349XX
Web
Covid has caused struggles of job lost and family members returning home to my house because work is not available. It is hard to maintainXXXX persons in the household now I somehow have to deal with XXXX family members, much less keep up. I need help.
11/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 70808
Web
I am being illegally charged with high interest rates. I am paying thousands back in total for a {$520.00} loan every two weeks. XX/XX/2020 Amount Financed {$520.00} Annual Percentage Rate 771.72 % Finance Charge {$3500.00} Total Payment {$4000.00}
09/27/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IN
  • 465XX
Web
I tried to pay off the loan but they do not accept credit cards. Very unreasonable to work with and hard to understand. On hold for long periods of time and talk to several different people to try and work with. I ca n't download my documents either
01/05/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97211
Web
I took out a loan for {$750.00} on XX/XX/XXXX and have paid back {$840.00} as of XX/XX/XXXX. I currently still owe more than what I borrowed to pay the loan in full and am struggling to keep up with the high interest rate on this loan.
07/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • AZ
  • 85302
Web
Got a pay day loan from inbox loans on XX/XX/2018 for XXXX $ Couldnt pay it back so they started garnishing my wages and they say I owe over XXXX $ and when I try to call the loan company there is no answere and I feel this is a scam
02/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33917
Web
To borrow {$320.00} I have to pay back {$2400.00} with {$97.00} dollars deducted from my bank account every two weeks. This is a predatory loan. The interest is 780 %. Thats XXXX a month I pay back when I only borrowed {$320.00}.
04/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 49201
Web
Took loan for {$950.00} XX/XX/2020 from Better Day Loans. As of XX/XX/2020 we have repaid {$850.00}. Payed off loan on XX/XX/2020 and was charged {$1200.00}. Which is {$380.00} over the initial principle amount of {$950.00}.
01/16/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08054
Web
I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details
04/05/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 93711
Web
I have been receiving call at my place of work. And today they started to inform employees I work with about the debt they say I have with them. They called several time including calling me at XXXX on several occasions.
07/15/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33904
Web
I borrowed {$570.00} originally, have been making weekly payments of {$86.00} for 7 months, but my payoff is over {$600.00}. That is not the process that was explained to me very briefly and in extremely broken english.
08/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 36116
Web
It was a XXXX dollar loan, I thought they were just going to take that plus the interest rate when I got paid. But on my payday they only took XXXX and it was going on for about 4 or 5 paychecks before I switched bank.
07/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • 95828
Web
Trying to cancel a loan but customer service wont allow me too. So I emailed them and I still have yet to receive a response. The information in the loan agreement is false. The contact email address doesnt work.
09/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94544
Web
Confirmed with company that they are garnishing wages without a court order Confirmed they have received payments for the full amount owed - XX/XX/2018. Calling me after hours of XXXX and before XXXX
06/08/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • WA
  • 98684
Web
My supervisor revived a letter claiming it was a garnishment but it was from a collection agency called XXXX. I have never heard of this collection agency and this debt isn't even on my credit report.
10/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WI
  • 530XX
Web
I was unaware the is Company was not license in the state of Wisconsin..but the company went ahead and approved me for the loan with and interest rate 780.02 % ... I would like to get out of
06/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98374
Web
Applied for and received a XXXX dollar loan in XX/XX/2017. To date, I have paid back XXXX and the company is claiming I still owe 13 weekly payments of XXXX, or XXXX dollars in principal.
07/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • WY
  • XXXXX
Web
I have filed a complaint with the company already but I received a call from a lady this company in regards to this matter and she was very aggressive, demanding and treating.
12/26/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MA
  • 010XX
Web
I am contacting because I thinking paying back XXXX for a XXXX loan is a bit much and ti am not sure why it so high I am making payments but I believe that is too much
09/14/2020 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with fraud alerts or security freezes
  • IN
  • 46307
Web Servicemember
On XX/XX/2020 someone tried getting a personal loan using my personal info with my knowledge or consent. I tried calling XXXX to help fix this but to no avail
06/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • CA
  • 95407
Web
I need to check if I have more economic debts with money lenders. The reason is that they sent me a demand that I owe money.
05/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33952
Web
XXXX dollars for a XXXX dollar loan 780 percent interest
11/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 270XX
Web
I was under the impression that wasn't payday loans.
12/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 91352
Web
09/27/2023 No
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 94132
Web
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 081XX
Web
01/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MN
  • 55076
Web
09/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OH
  • 44281
Web
05/13/2022 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • PA
  • 15062
Web Referral
01/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • FL
  • 32757
Web
10/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 91739
Web Servicemember
07/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MD
  • 20607
Web
06/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OH
  • 45215
Web
05/07/2021 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 95825
Web
04/08/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07304
Referral
04/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60181
Web
02/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • UNITED STATES MINOR OUTLYING ISLANDS
  • 74056
Web
01/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 94901
Web
10/22/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 92709
Web
09/01/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WI
  • 53158
Web
08/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07087
Phone
07/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • WY
  • 82003
Web
06/23/2020 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • OK
  • 73110
Web
06/10/2020 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • CA
  • 90035
Web
05/28/2020 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit limit changed
  • WA
  • 98208
Referral
05/19/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KY
  • 40391
Web
05/15/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 23224
Phone
04/22/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45806
Web
03/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone
02/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98108
Referral
02/06/2020 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
Phone
01/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07035
Web
01/09/2020 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • MA
  • 02780
Phone
12/18/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 79701
Phone
10/28/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CO
  • 80247
Phone
10/19/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IN
  • 46151
Web
09/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98374
Referral
07/17/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37404
Postal mail
07/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32119
Referral
07/09/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • RI
  • 02914
Web
07/08/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • IN
  • 46526
Web
07/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98101
Web
06/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NY
  • 10465
Web
06/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48125
Web
05/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 07604
Web
05/21/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
Referral
04/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • GA
  • 30296
Referral
03/27/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 95207
Web
03/15/2019 No
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 920XX
Web
02/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92879
Web
02/20/2019 No
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • VA
  • 22554
Web
02/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 314XX
Web
02/11/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • WA
  • 98444
Referral
02/11/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • DE
  • 19702
Web
01/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
Phone
01/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
Phone
12/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NC
  • 28303
Web
11/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21204
Web
11/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • PA
  • 18032
Web
11/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60181
Web
10/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 65018
Web
10/15/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 32803
Referral
10/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 08865
Web
09/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • DC
  • 20019
Phone
08/10/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • IN
  • 46507
Web
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 32459
Web
06/28/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80634
Web
06/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08051
Referral
06/13/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 92672
Phone
06/11/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 32550
Web
05/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 21221
Phone
04/25/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • ID
  • 83714
Referral
04/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
Phone
04/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WA
  • 98372
Web
04/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 19135
Web
03/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 75074
Web
02/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07836
Referral
02/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98204
Referral
02/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
Phone
01/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 08054
Web
12/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 91710
Web
12/10/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 90035
Web
11/15/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 75019
Web
10/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98203
Referral
09/11/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • ID
  • 83704
Web
09/01/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • ID
  • 83704
Web
08/14/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08872
Referral
07/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • PA
  • 15203
Web
07/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44124
Web