LDF Holdings, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/22/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32757
Web Servicemember
I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Best Regards,
10/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 70802
Web
Due to financial stress caused by unexpected medical bills and Hurricane Laura, I took out 3 loans with Loan at Last in XXXX and XXXX totaling {$1800.00} and 1 loan with National Small Loan totaling {$800.00}. To date I've paid Loan at Last {$2900.00} and National Small Loan {$1400.00}. I stopped payment on all withdrawals for my final loan with Loan at Last when I attempted to work with a debt consolidation company to resolve these issues. Thereafter, I learned that these companies aren't licensed to do business in Louisiana and their interest rates far exceed amounts allowed by Louisiana law. I filed a complaint with the Louisiana XXXX XXXX XXXX XXXX on both companies. LDF Holdings dba Loan at Last and Niizhwaaswi , LLC and National Small Loans/XXXX XXXX claim to be wholly owned and operated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in Wisconsin. Despite their best attempts to obscure the true owners and operators of these online payday lending companies, several lawsuits and studies have revealed them to be engaged in an illegal " rent a tribe '' scheme. The president of LDF Holdings has even gone so far to announce in XXXX that LDF Holdings was forming a consulting group to assist other tribes in entering the payday lending market. See : https : //ldf-holdings.com/ldf-holdings-launches-new-business/. This excerpt from the most recent lawsuit involving LDF Holdings ( Combs v LDF Holdings et al 3:21-cv-50307 ) filed XX/XX/XXXX explains this scheme : " In an attempt to evade prosecution under usury laws of states like Illinois, non-tribal owners of online payday lending businesses frequently engage in a business model commonly referred to as a rent-a-tribe scheme. In such schemes, non-tribal payday lenders create an elaborate charade claiming their non-tribal businesses are owned and operated by Native American tribes. The illegal payday loans are then made in the name of a Native American tribal business entity which purport to be shielded from state and federal laws prohibiting usury due to tribal sovereign immunity. However, the tribal lending entity is simply a facade for an illegal lending scheme ; all substantive aspects of the payday lending operation funding, marketing, loan origination, underwriting, loan servicing, electronic funds transfers, and collections are performed by individuals and entities that are unaffiliated with the tribe. In exchange for use of the tribes name, the beneficial owner of the payday lending scheme pays the cooperating tribe a fraction of the revenues generated. While the percentage varies from scheme-to-scheme, the number is almost always in the single digits. However, an entity must function as a legitimate arm of the tribe in order to fall under that tribes sovereign immunity. See Breakthrough Mgmt. Grp., Inc. v. Chukchansi Gold Casino & Resort , 629 F.3d 1173, 1183 ( 10th Cir. XXXX ). To determine if a particular entity is entitled to sovereign immunity, the majority of courts have adopted the framework laid out in Breakthrough, which analyzed ( 1 ) [ the entities ' ] method of creation ; ( 2 ) their purpose ; ( 3 ) their structure, ownership, and management, including the amount of control the tribe has over the entities ; ( 4 ) whether the tribe intended for the entities to have tribal sovereign immunity ; ( 5 ) the financial relationship between the tribe and the entities; and ( 6 ) whether the purposes of tribal sovereign immunity are served by granting immunity to the entities. Breakthrough at 1183, 1187-88. These so-called tribal lenders usually do not survive scrutiny when examined closely, since virtually all business functions occur far from tribal land, by nontribal members, and overwhelmingly benefit non-tribal members to such a degree that tribal involvement is effectively nil. Where non-tribal individuals and entities control and manage the substantive lending functions, provide the lending capital necessary to support the operation, and bear the economic risk associated with the operation, they are not in fact operated by Native American tribes and, therefore, are not shielded by sovereign immunity. Further, sovereign immunity, even if legitimately invoked, still does not turn an otherwise illegal loan into a legal one. See, e.g., United States v. Neff, No. 18-2282, 787 F. App'x 81 ( 3d Cir. XXXX XXXX, XXXX ) ( upholding criminal convictions of two individuals engaged in an online payday lending rent-a-tribe scheme ; sovereign immunity does not transform illegal loans into legal ones, and reasonable people would know that collecting unlawful debt is unlawful ). Attempting to circumvent state interest rate caps by fraudulently asserting tribal sovereign immunity has been found to constitute criminal conduct. See United States v. Tucker, et al., No. 1:16-cr-91-PKC, XXXX U.S. Dist. LEXIS 134265 ( S.D.N.Y. XXXX. XXXX, XXXX ). '' I would like CFPB to open an investigation into LDF Holdings and prosecute them to the fullest extent of the law including utilizing RICO laws. These companies can not be allowed to continue evading state and federal regulation under the guise of " tribal immunity '' in order to defraud millions of people such as myself who have found ourselves in difficult financial circumstances.
09/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • MD
  • XXXXX
Web
I have no relationship with the following named companies, their subsidiaries or affiliates. I received the following email communication on XXXX with the regarding clause : XXXX followed by Notice of Adverse Action. I have never applied for a loan with this company and believe that my personal identifiable information has been misused fraudulently to apply for whatever loan this company and email are referencing. I wish to ensure that there is no impact to my credit rating resulting from any fraudulent inquiry they, their affiliates, subsidiaries and/or future assigns may have placed or will make. This company was deliberately evasive with their contact information and did not provide a city, state or zip code and I believe this form of communication is meant to deceive the least sophisticated consumer and to further defraud. The email reads : Dear ___ : You recently applied for a loan with the below creditor through one or more of its wholly-owned subsidiary companies : Niswi, LLC . dba Lendumo Thank you for your application. After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you. If you would like a statement of specific reasons why your application was denied, please contact us at the address below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. XXXX XXXX XXXX XXXX If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address, and toll-free telephone number are shown below. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. If we, through one of our wholly owned subsidiary companies, obtained your credit score from the consumer reporting agency and used it in making the credit decision, information about your credit score is shown below. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. LDF Holdings , LLC is a wholly-owned and operated subsidiary of the L.D.F. Business Development Corporation, which is a wholly-owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of 1934, 48 Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on the United States Department of Interiors list of federally acknowledged Indian Tribes. 83 FR 34863-01 ( XXXX XXXX XXXX ). The Tribe and LDF Holdings , LLC, as an arm of the tribe, are entitled to tribal sovereign immunity. As an arm of the Tribe, the creditor possesses all of the privileges and immunities of the Tribe. Please note that nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly preserved. Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act The Federal agency that administers compliance with the Federal Equal Credit Opportunity Act is the Federal Trade Commission, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX. Sincerely, Niswi, LLC. dba Lendumo XXXX XXXX XXXX XXXX I would not like to be contacted EVER via phone, text, email or USPS by this company, its affiliates, assigns, and designees, and for the purveyors of my personal identifiable information and credit file to be fined and remanded to the fullest extent of the law allowed. This constitutes a cease and desist letter to Niswi, LLC dba LENDUMO and its affiliates, partners, assigns, tribes and subsidiaries.
07/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • GA
  • 30019
Web
Payday loans are ILLEGAL in Georgia and was NOT informed by this company. Here is the Georgia law : A " payday loan '' is a loan of short duration, usually two weeks, with exorbitant interest rates. The payday loan industry generates billions of dollars a year. States are cracking down on payday lenders, and the industry is regulated in the states where it is still legal. Payday loans are generally illegal in Georgia, unless made by a Georgia licensed industrial loan lender or an out-of-state FDIC insured bank as long as its agent in Georgia does not receive most of the profits. Loans made by a Georgia industrial loan licensee are subject to the terms and limitations of the Georgia Industrial Loan Act. Payday lenders require you to furnish a copy of your driver 's license, and information about your employment and bank accounts. The loan is usually for a couple of weeks ( the time until your next paycheck ). The lenders do not perform a credit check, and you write them a post-dated check for the amount you want to borrow plus a fee. The fee is usually a " borrowing '' fee and an account set-up fee. The lenders will then deposit your check after your payday if you have not already paid off the loan. If your bank account can not cover the amount of the loan, you will then owe the original loan plus added interest. You may also incur overdraft fees from your bank. If you know you can not pay off the loan in time, you can pay the borrowing fees ( or finance charge ) in order to renew the loan. The annual percentage rate ( APR ) for a payday loan often starts over 400 percent! This practice creates a cycle of consumer refinancing and continuous debt. The federal Truth in Lending Act requires disclosure of the cost of credit. You must receive, in writing, the finance charge ( a dollar amount ) and the APR, which is the cost of credit on a yearly basis. Payday lenders are subject to this regulation. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. The Georgia Department of Law 's Consumer Protection Division does not handle complaints relating to payday lenders. If you have questions about an industrial loan licensee, you should contact the Industrial Loan Division of the Office of the Commissioner of Insurance at : Office of the Commissioner of Insurance, Industrial Loan Division XXXX XXXX. XXXX, XXXX. , XXXX, XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX Website : XXXX Phone : XXXX Georgia victims of a payday lender should pursue criminal action through their local district attorney or solicitor. Victims should also report the incident to the Office of the Commissioner of Insurance, Industrial Loan Division ( contact information above ). Please also contact the Consumer Interest Section of the Georgia Attorney General 's Office by mail to report a lender. Be aware that the Office does not take action against unlawful payday lenders on behalf of any one consumer, but acts for the benefit of the State of Georgia as a whole. As such, it can not provide consumers legal advice regarding what actions to take with unlawful lenders. The contact information is : Consumer Interest Section Office of the Attorney General XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX ( Again, COMPLAINTS ACCEPTED BY MAIL ONLY ) Any victim who believes that the lender has violated the Truth in Lending Act should file a complaint with the Federal Trade Commission ( FTC ). The FTC can not solve individual problems but will be able to act if it discovers a pattern of violations. They are NOT licensed in Georgia NOR hold a Georgia Industrial License
03/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
I sent the following letter to XXXX, XXXX XXXX Sky Trail Cash on XXXX XX/XX/2019. I need the CFPB assistance with resolution : XXXX XX/XX/2019 XXXX, XXXX d/b/a Sky Trail Cash XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom It May Concern : After doing research regarding Internet Tribal payday loan laws in the State of South Carolina, I have found that your Internet payday loans are actually illegal. I have been in contact with South Carolina State Department of Financial Institutions and they have verified that your company is not licensed in South Carolina, therefore the loan contracts I have had with XXXX, LLC d/b/a Sky Trail Cash according to my state 's laws, are not enforceable. It has come to my attention that payday lenders must be licensed by the state of South Carolina in order to offer loans to its residents. Since your company has no license in my state, the loan contracts I have had with XXXX, LLC d/b/a Sky Trail Cash are not valid. I have conducted hours of research and have consulted with authorities. The practice of online payday seeking affiliations with Native American tribes in an effort to take advantage of the tribes special legal status as sovereign nations is abhorrent. This rent-a-tribe model is under scrutiny. Courts are cracking down on tribal lenders. The Consumer Financial Protection Bureau recently sued four online payday lenders in federal court for allegedly deceiving consumers and collecting debt that was not legally owed in many states. The complaint alleges violations of the Truth in Lending Act and the U.S. Consumer Financial Protection Act. It seeks restitution of money that borrowers paid involving illegal loans, plus penalties and a halt to the practices. While the lenders will likely claim that their loans are governed only by tribal law, not federal ( or state ) law, a federal court rejected similar arguments last year in a case brought by the FTC against lending companies. Tribal lenders have been found and identified in the Public Justice Report to be regularly making loans with interest rates well above state and federal regulations sometimes up to 700 percent. I have researched XXXX, XXXX d/b/a Sky Trail Cash and there are volumes of complaints against this tribal entity. XXXX, XXXX d/b/a Sky Trail Cash hides behind its tribal status to act in a predatory, harassing, and very nearly illegal manner. In my research, the repeated theme is the harassment, threats and predatory nature. Additionally, the extreme in fee charging which goes against the policies of many states. At this time I am requesting a return email acknowledging that my account is marked paid in full in good standing. I am also revoking authorization for ACH withdrawals. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please respond to this email with acknowledgment that my account has been satisfied in full. I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. I must also inform you that I will be filing complaints with the Consumer Financial Protection Bureau, Better Business Bureau, the Federal Trade Commission, and Wisconsin and South Carolinas Attorney General 's Office. I expect a response from your company no later than 1 day from the above date regarding this matter. This response may only come via email. No telephone or postal mail contact is permitted. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Better Business Bureau South Carolina State Attorney General Wisconsin State Attorney General
01/04/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 363XX
Web
I sent Bridge Lending an e mail which I have included and they continued to try and collect on a loan that is not legal in the State Of Alabama which is in the email. After communication with the Alabama state attorneys office I sent the email telling Bridge Lending this and I paid more then the principal of the loan. Today they sent an email that they have turned it over to collections and ignoring the fact that this loan is not legal in my state, Below is my original e mail as well as the email they sent me today. Re : Courtesy Reminder from Bridge Lending Sun, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) To : you ( XXXX ) + 1 more Details Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$250.00} on XX/XX/XXXX and have paid {$31000.00} back.. This results in an over payment of {$62.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$62.00} over payment. A refund check of {$62.00} should be mailed to me at the address you have on file. I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/XXXX -- -- -Original Message -- -- - From : Bridge Lending Support Team XXXX To : XXXX XXXX XXXX Sent : Fri, XXXX XX/XX/XXXX XXXX Subject : Courtesy Reminder from Bridge Lending Your Account Has Been Transferred Thu, XXXX XX/XX/XXXX XXXX Bridge Lending Support Team ( XXXX ) To : you Details Your Account Has Been Transferred Date : XX/XX/XXXX Re : Loan ID XXXX Dear XXXX XXXX, This email is notification that your account has been sent to an outside agency for purposes of collecting your outstanding balance. We have transferred your account for one of the following reasons : Your account has been in Collections status for 35 days without any payments made. Your account has been in Collections status for at least 35 days, and you agreed to make payments on a specific schedule in order to pay off your balance, but did not make your last payment or make new payment arrangements. We are no longer able to accept payments on this account. You will be contacted by XXXX XXXX XXXX ( XXXX ), who is responsible for collecting your outstanding balance. If you wish to contact XXXX directly, their contact info is : XXXX XXXX XXXX ( XXXX ) XXXX Sincerely, BridgeLendingSolutions XXXX Phone XXXXFax https : //bridgelendingsolutions.com XXXX XXXX XXXX, XXXX XXXX XXXX , WI XXXX Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. Reply Reply All Forward
09/20/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32209
Web
On Wednesday XX/XX/XXXX at XXXX XXXX I received a call from a private/unknown number and a person named " XXXX XXXX XXXX left a message stating " this is your final notification in regards to the delivery of your certified documents. I will be making several attempts to reach you at your residence or place of employment today, between the hours of XXXX XXXX XXXX XXXX. If I am unable to reach you at either of these locations, I'll have no choice but to document this as a direct refusal to sign. If you have any further questions or concerns or need to reschedule prior to my arrival today, you may contact the filing party 's office directly at XXXX, and refer to your file number XXXX. XXXX XXXX, you're officially been notified... '' On Thursday, XX/XX/XXXX at XXXX XXXX I received a call from the same person mentioned above from a private/unknown number with the same message mentioned above. On Thursday, XX/XX/XXXX XXXX along with a family member contacted the XXXX phone number to identify who is calling and the purpose of the calls. When I called I initially spoke to three people XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person whose name I cant remember. They stated they are " Conflict Resolutions Center '' located in XXXX, TX and that the call is in regards to arbitration for an outstanding debt involving a cash advance loan I obtained in XXXX from XXXX XXXX. I am not aware of XXXX XXXX, however, around this time I did obtain a cash advance loan for {$300.00} from Greenline Loans. I was told they are not a debt collector but were hired by XXXX XXXX to arbitrate the resolution of the outstanding debt. I told them I thought their calls were unusual for ( 1 ) why does someone have to come to my home for me to sign documents, why not have XXXX, XXXX or USPS send the documents, and ( 2 ) if they are calling about a debt they are acting as a debt collector and they did not read me my Miranda rights. They stated they did not know who XXXX XXXX is, that she is likely the courier Stonelake Lending hired, and that Conflict Resolutions Center is acting as an arbitration unit. They stated in the cash advance terms and conditions I agreed to arbitration. They also stated my debit is in a " malicious status category '' because when they attempted to withdraw funds from my account, my account was reported closed. I told them to NOT come to my home, and they became belligerent and argumentative stating THEY WILL. I told them their behavior is illegal and harassing. I told them they violated several laws and that I would report them to the CFPB. Lastly, on Thursday XX/XX/XXXX at XXXX XXXX after speaking with them, they called again but I did not answer, and they left the exact same message they left before. No one showed up at my house and I have not received any more calls from them. Please investigate and fine XXXX XXXX and/or Greenline Loans for engaging in harassing and illegal tactics to collect a debt. In addition, I would like to receive monetary compensation to the maximum extent of the law. SIDE NOTE : Per the companies ' websites XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) both of these entities, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are XXXX AXXXX XXXX XXXX by XXXX XXXX XXXX XXXX of XXXX XXXX In addition, when I researched the aforementioned phone number and Conflict Resolutions Center, the search did not yield any conclusive results. I am under the belief the phone number they used is some burner number and that Conflict Resolutions Center is fake. I believe that the actual cash advance company ( ies ) were contacting me and feigning to be 3rd party.
05/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 91325
Web
On XX/XX/XXXX I took out a small payday loan for {$750.00}. I have taken out similar amount loans and much more from various companies to fix my car in the past always paying them back. Of course all pay day loans have a high interest level but at least with XXXX XXXX you could pay money on it ahead of you're ach ( automatic bank debt ). This meant even with high interest if you were on time or ahead of time with payments you could eliminate interest fees before they got to high to pay off and nothing was going to you're principal balance. Now XXXX XXXX didn't report to the credit bureau so that XXXX because it meant that you couldn't get good credit from paying them off. However I was able to get 2 or three loans for {$2000.00} from them by showing them pay stubs and it really helped me debt consolidate so I say over all it was good compared to other companies not great but good. Because people in lower income neighborhoods have bad credit the bank won't lend so they can't debt consolidate. Even a thousand dollars can go along way to stop cycles of debt for working Americans. I also borrowed from XXXX XXXX XXXX who would not let you pay off ahead of time but only would take money withdraws weekly or bi weekly but you could ask that the withdraws be larger this would absorb interest. However it would also cause more interest because you had to wait to pay them. I paid off all the loans even with interest because I'm a working man with good ethic. It was hard because of interest but my lift business second job helped thank XXXX. I invest in my car as a business. Now to the point I borrowed from Loan at last XXXX XXXX thinking it would be like the other too companies. I expected high interest but not the insanely high interest of loan at last. I have been being debited from my account weekly every Friday since XX/XX/XXXX {$100.00} for a {$750.00} loan and according to their own sight when you count the payments ( all paid on time ) that comes out to approx {$1000.00}. Crazier still they have scheduled me for payments all the way to XXXX! Worse still they don't even have a listed balance and when I call I'm never allowed to talk to a supervisor. I was even willing to make a settlement I begged for a supervisor and demanded to no avail. So I made a complaint on the XXXX website to which they replied with lie that they had been trying to contact me but I ignored them about a settlement ; I was livid to say least. Not only have they been ripping me off but now insult my intelligence and integrity. So they give this rediculous offer for me to settle the loan for {$350.00} by XX/XX/XXXX. I mean even before the covid emergency when I could still get lift drives as a second job because I've already paid them {$1000.00} and their interest absorbed it I wouldn't want to give them another {$350.00} however with the global emergency that's nearly impossible. The president asked businesses to work with us so how can they legally keep doing this?! I just want y'all to stop them from collecting anything else from me and make them close it out. If im forced to pay them the settlement I'll have to borrow from rent or other money. I have a XXXX XXXX XXXX and I'm newly married only one year or so. I need a break here can you least make them give back the money if I'm forced to pay. If they just cancel it that would be ideal. Thanks for you're help. I can't pay any more that's taking away vital resources, For food etc
10/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 152XX
Web
I attempted to sign up with this company some months ago and they approved me but apparently, they are illegal in my state of Pennsylvania. They charge a really high interest and I was under the impression that I would be held to the maximum interest rate in my state- not their maximum ( especially since the mere fact of them lending me money is illegal ). I feel taken advantage of, ripped off ( especially since ive submitted a lot of interest - high enough to cover the initial loan many times over ). I need assistance. And they are attempting to hire a collection agency. Any help would be appreciated. Attached is the email that I have received from Pennsylvania Department of Banking and Securities. READ BELOW XXXX XXXX, Thank you for your comments regarding the referenced entity that is not licensed in Pennsylvania. It is our understanding that Niswi, LLC dba LenduMo is a commercial enterprise and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a federally recognized sovereign XXXX nation, which operates within the boundaries of their reservation in XXXX XXXX XXXX, WI. If you are aware of physical location in Pennsylvania, however, we would appreciate being informed of the location. If you have documentation from Niswi LLC dba LenduMo ( loan contract, bank statements showing the payments being withdrawn from your account, etc. ) we ask that you forward the documentation to the Department to keep on file. You may mail, fax, or email the documentation. The Departments contact information is as follows : Pennsylvania Department of Banking and Securities Attn : Consumer Services Office XXXX XXXX XXXX XXXX, Suite XXXX XXXX, PA XXXX Fax : ( XXXX ) XXXX Email : XXXX Pennsylvania XXXXaw does not allow high interest consumer loans, even over the internet. Some loans initiated over the internet, like those made by legitimate XXXX Tribes or companies located out of the country, raise questions of federal or international law that are better addressed by the federal government. We are very interested in your complaint and will keep it on record for our future use, but we ask that you also contact the Consumer Financial Protection Bureau ( CFPB ). That federal agency has greater authority in this complicated area of conflicting law and they have informed us that they are taking complaints at this time. The CFPB XXXX also be able to give you guidance under the federal Fair Debt Collection Practices Act. You can contact the CFPB at XXXX. In the meantime, Pennsylvania law obligates a borrower to pay back the principal amount of the loan, but no more than 6 % interest, if the lender is unlicensed in Pennsylvania. Many consumers have sent letters advising the lender that they believe the loan exceeds legal limits in Pennsylvania, and have had some success controlling the situation by stopping the automated payments from their bank accounts. You can consult with your bank about the best way to do that. You also have rights under Pennsylvanias Loan Interest and Protection Law to sue the lender for three times the amount of any interest you paid in excess of 6 %, so you may want to contact an attorney. Thank you for contacting the Pennsylvania Department of Banking and Securities. We hope you find this information helpful and look forward to receiving documentation from you. XXXX XXXX | Consumer Services Specialist
11/08/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43214
Web
I received a call on XXXX, XX/XX/XXXX from a company called Lendumo. I have never heard of that company. The caller left a voicemail, so I returned the call. The Lendumo service representative said that I haven't made a payment on a loan that I allegedly took out in XX/XX/2021 in the amount of {$1100.00}, and the loan in question was # XXXX. I informed the service representative that I have never heard of Lendumo, and I did not take out a loan from Lendumo. In fact, I have not taken a loan from anyone or any entity in the amount of {$1100.00}. The service representative indicated that I was a victim of identity theft and instructed me to obtain a police report and email it to XXXX. The service representative told me that I had 7 days to rectify this or the loan in question will be sent to collections. That same day, Tues, XX/XX/XXXX, I contacted XXXX XXXX of Police Detective XXXX XXXX and completed a police report. He emailed me the report immediately thereafter. The detective also told me to fill out an identity theft alert with XXXX XXXX, which I did. On XXXX XX/XX/XXXX at XXXX, I forwarded that police report to XXXX. On XXXX, XX/XX/XXXX at XXXX, I received an email from Lendumo stating that I need to fill out a police report and complete a fraud affidavit online. The sender stated to XXXX " fraud affidavit, '' and complete it online. I promptly responded at XXXX on XXXX, XX/XX/XXXX and alerted the sender from Lendumo that I already sent the police report the previous day on XX/XX/XXXX. I also asked for further clarification on which " fraud affidavit '' to complete because a XXXX search of that term yield many results ranging from private law firms to state websites to the IRS. On Fri, XX/XX/XXXX at XXXX, I responded again to the Weds, XX/XX/XXXX XXXX asking for an update and reminding them that I already sent the police report. I emailed again at XXXX and attached the police report because I don't want this to have a negative impact on my credit score. I emailed again at XXXX to check-in on the status because I still had not heard back. Also on Fri, XX/XX/XXXX at XXXX, I received a text message from Lendumo that my account was being sent to collections. On Sat, XX/XX/XXXX at XXXX, I emailed again because I still did not receive a response that Lendumo had received the police report I filed. On Sun, XX/XX/XXXX at XXXX, I emailed again because I still did not receive a response that Lendumo had received the police report I filed. Also on Sun, XX/XX/XXXX at XXXX, I received a text from Lendumo that my account was in collections. On Monday, XX/XX/XXXX at XXXX, I received an email from a Lendumo representative that they had no received my police report, despite sending it 2 times already. I responded by re-forwarding the police report for a third time at XXXX. I also took screen shots of the police report and sent that via email at XXXX. This time, I sent both the police report and the screen shots to XXXX and XXXX. I don't know what else to do. I have done everything asked, and Lendumo keeps jerking me around. I don't want this on my credit score because it's not my loan.
11/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CO
  • 80011
Web
XXXX approved an online application XX/XX/2020 in my name. The application was filed in my name with my banking information/savings account. A lump sum of {$1200.00} was electronically deposited to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. This savings account is rarely used so I thought the deposited seemed suspicious. Upon further review from the credit union, they determined the funds were deposited and the money be reversed and sent back to XXXX. I never applied for any loan ( s ) with this company. I was encouraged to file an identity theft report. I then filed and FTC complaint, several XXXX complaints/responses, and a report with the Attorney General of Wisconsin. I am terrified about this mysterious deposit because this account is my savings account, not a checking account. I did not apply for this loan and XXXX is refusing to address my concerns regarding quality assurance and loan verification processes. I asked XXXX for specific information via e-mail and by phone. Instead XXXX communicated with me via the XXXX of Wisconsin saying the loan was valid and legal. XXXX is ignoring the fact that the loan was fraudulent and someone else applied for the loan to phish from my banking account and then leave me on the hook for a loan@ 794.95 % ( {$8000.00} USD ). XXXX says the online application was approved on XXXX. I don't understand how they verified if this loan could be paid back. All financial institutions require employment verification, pay stubs, references, and pay frequency. None of this information could have been supplied upon XXXX loan approval. I had absolutely no knowledge of the XXXX loan or terms until they forwarded the online application to the XXXX. I have copies of my police report, FTC report number, and the XXXX correspondence sent to the XXXX if the documentation is required. Throughout my complaint processes leading up to filing this report, XXXX has replied to me as if I applied for the loan not as a victim. I am exposed and I have no protection of my information and how it is being used. I am a victim of identity theft, phishing, and I am being locked out of my email accounts etc. These are scamming attempts to take what I don't have and XXXX is aiding this process. I am extremely unhappy and I need answers. I want to take XXXX to court, press charges, and any other legal actions I can take against them. XXXX 's response to my complaint resulted in no further action because they are claiming immune from legalities because of " XXXX affiliation '. I understand they may be immune to consumers who actually applied, which I did not. XXXX is not taking my matter seriously and I am sure this is happening to others. I am a victim of this pandemic resulting in significant loss of income and suffering as many American 's are.
06/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 95062
Web
XX/XX/2022 I requested an installment loan from Lendumo. Over the phone a loan agent, seemingly trying to move through the process quickly told me the loan would be funded the next business day. He took my banking information and personal details over the phone. On the next business day I didn't see the funds and called to find out what the issue was. The new agent told me the bank account on file was incorrect ( there was one full digit in there that was off ). This was surprising to me as the agent on the phone from XX/XX/XXXX hadn't bothered to confirm or repeat the banking account number to me. Since I was reading off of my online account, I'm sure I told him the correct numbers but he entered one extra digit. I was told that Lendumo would reach out to my bank to have the funds sent back to them, at which point I could update my banking information and received the funds. I checked back frequently and was told I'd have to wait until they were able to complete their investigation. After a few days of no communication I called and was told they couldn't get anything done because they weren't able to find my bank 's fax number. I googled it ( using the internet ) and sent it to them immediately. After a few more days of no communication I contacted them again and was told that the investigation was being investigated by their QA team and would take some more time. On XX/XX/XXXX I received another message asking me for a bank statement as proof that I had not received the funds. I had sent my bank statement to them already on XX/XX/XXXX as requested but for some reason they needed to see it again, not sure why. Later on XX/XX/XXXX I received this message from Lendumo : " This email is being provided as a service through our recent discussions about your account. Unfortunately, the retrieval of the missing funds has been unsuccessful. A submission for call review of the Verification call on XX/XX/2022 was submitted to our Quality Assurance Team. Upon further review of that call, our Quality Assurance Team confirmed that the bank account that is on file is the same bank account number that was verified by XXXX XXXX. Unfortunately, at this time we will need you to provide an official bank statement ( not a screenshot ) from your bank from the dates of XX/XX/2022 to current. Until we receive this information we are unable to transfer your loan to the correct department. Please contact us once you are able to provide us with the requested documentation, so we may further assist you. '' It's never a good idea to take out an expensive installment loan but I was in desperate need and now because I didn't receive any funds the situation is even worse and I'm being told I'll be responsible for the loan I never received. Ridiculous.
09/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 95125
Web Older American
This is a report of Identity Theft and fraudulent loan initiation by XXXX Prior to these events I had no awareness of or relationship with the company XXXX XXXX called my wife at XXXX XXXX Monday XX/XX/XXXX to verify a loan request, she told them it was not a valid request. Shortly after, I received an email saying the loan had been approved so I called the XXXX customer service number to discuss it - XXXX XXXX I talked XXXX XXXX and explained that that any account on the site was fraudulent, and not created by me. He refused to help me unless I provided PII so I hung up. I logged into their web site, did an email password recovery and saw that there was a profile for me with a Loan ID : XXXX approved for {$1400.00} principal with a {$6100.00} payback amount over 6 months. I sent an email to XXXX notifying them that the Loan ID was fraudulent. I logged into the three credit agencies and put a freeze on my credit report. I then called XXXX XXXX and provided the Loan Number # and explained that it was fraudulent. I talked to XXXX, escalated it and as passed to XXXX in the Resolution dept. I explained that this load request was not made by me, is fraudulent, that the funds were not being sent to an account I control, and they needed to stop the fund transfer but they refused to do an immediate block on the transfer. She reminded me that the call was being recorded so I asked for a copy of the recording. She said she would put a note in the file with my request. XXXX recommended I send an email to the customer service email address- which I had done 30 minutes before but she said she could not locate. I resent the message. She then requested that I file a police report and send it to the customer service dept. and it would be reviewed in the next 24 to 48 hours - and then a determination would be made on whether to stop the funds transfer. I filed a report on this incident with the XXXX XXXX Police XXXX : General Information Incident Type Identity Theft Tracking Number XXXX This information was forwarded to the XXXX customer service email. On Tuesday XX/XX/2021 I called XXXX to confirm they had the emails from me and asked them to stop the funds transfer. I talked to " XXXX '' and he asked for a police report and indicated it would take 24 to 48 hours to review the information. I escalated and was transferred to " XXXX '' who I said they could not find the police report in my emails, so I sent it again. They reminded me that the call was being recorded so I asked for a copy of the call recording. " XXXX '' indicated that the load ACH transfer had taken place that day so it was not possible to stop it. XXXX XXXX Routing Number : XXXX Account Number : XXXX Account type : Checking
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20706
Web
On or around XX/XX/2018 I received several emails soliciting a Personal Loan via this Internet Lender. I fill out needed application and received a phone call from a female Representative of Amplify Funding. She ushered me thru the Loan signing process, claiming that she needed to get this done Quickly, If I wanted to get the Funds the same day and not have to wait until the following Monday. She put me on hold and shortly return with a {$750.00} Loan Approval ... ..half the amount of what I requested. ( {$1500.00} ) While we were reviewing the Terms of this Repayment, I complained that the monthly payment was very high at {$250.00} and she responded in saying that " I realize that this is an expensive form of borrowing, this is why we encourage you to pay the Loan of as soon as you can '' After struggling with the decision to move forward with this expensive Loan repayment, I decided to move forward with the Loan ( Dictated by my circumstance ) and that I would repay the loan on my next Pay Period ( 30days ). As a result, with in 10 days Amplify Funding was attempting to draft Funds out of my Account, when I called to ask why they are drafting Funds out of my account already ... ... I was told that my payment of {$250.00} which I adamantly argued was ridiculously high for a {$750.00} Loan was actually a Bi Weekly payment and not a Monthly Payment ... .and I was blown away. Amplify Funding 's Female representative had ample time to disclose this information to me regarding bi -weekly payments ... ... especially since I made such a fuss about the payment being to high and borderline Predatory. I was never told that this would be $ XXXX monthly Interest on a {$750.00} Loan ... ... this is totally unacceptable in terms of a repayment agreement ... ... I am paying back 68 % of the {$750.00} Loan in less than every 30 days. How in the world is this Legal ... ... I am hoping that the CFPB will assist me in gathering the recorded conversation of this call ... ..and review the Representatives neglect to inform me ... ... of the Actual Terms of this Loan. By the time I was able to go back and review documents ... .money had already been transferred into my account and I could not get anyone to answer the Phone # I was given. I was rushed through this process ... ... and not made totally aware of the actual terms of this Loan and its repayment. Please Advise ... ...
02/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • AL
  • 365XX
Web
The entire ordeal started back in XX/XX/XXXX I began to receive emails from a company radiantcash.com from what I can tell it is owned by a group called XXXX XXXX saying I was approved for a XXXX loan. I got multiple emails I did enter my info into a lender matching site to see what my options were. They would state I was approved for a XXXX loan and to sign my documents to finish the process. I withdrew my application twice and it just kept coming back. Then on the next email the date now is XX/XX/XXXX I clicked on it just to see what it was about. I was having a hard time financially so I looked over what they had sent I decided to wait it out I didnt want to have more Bill 's to pay and it would add an extra XXXX every check and I didnt think it was worth having another bill so I just exited out and moved on. Well I should have never let curiosity get the better of me because the next morning XXXX was in my account I was a bit shocked but I needed the money I took it as somebody looking out for me but boy was I wrong. The worst mistake ever! This company had different amounts on the final loan documents they are trying to hold me to. I have never missed a payment to them and have been paying since XXXX which was two weeks after I had looked at their offer and I asked for my pay off amount on XX/XX/XXXX I was told that I owed XXXX they have not taken any towards the principal after I have paid them XXXX which more than covers the XXXX I borrowed. Since finding out the balance is still XXXX I have done some research and this company is not licensed in Alabama and it is not legal in Alabama to charge an interest rate of 690 %. This is a predatory loan company that is doing illegal business in my state and because they are not licensed and have no right to do business in the state without proper licensing and their interest rate is not within the state law my loan contract is not valid and I should be refunded the amount i paid over the principal. Not only did I not decide to get this loan and choose this company but they also changed the loan terms on the final loan documents. None of which is legal. Please help me hold this company accountable so this will not happen to anyone else. I should have done something when it first happened but I was struggling financially and I did not have any idea of how bad or how corrupt one of these companies could be.
03/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • HI
  • 96706
Web Servicemember
I called Multiple times to pay my loan in full and every time I called they said someone will call me, well no one called me. I waited all day someone called me from an unlisted number. that number that you can not call back then as soon as I pick up the phone they hang up immediately. I tried on the website I try to pay in full then they change the website configuration to where only shows an outstanding balance of a loan and your loan ID. I called multiple times I got the runaround it wasnt until I submitted a complaint with you guys and the XX/XX/XXXX did somebody finally called me and then took my information and said it would take two or three days .... still has not cleared and Im afraid they will continue taking money out of my account. Below is an email sent to me by them. This is a predatory loan business specifically they go out of their way not to let you pay a loan in full for a loan of {$600.00} by the time is paid in full you pay almost {$4000.00} My loan number is-XXXX NationalSmallLoan.com XX/XX/XXXX, XXXX XXXX National Small Loan XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2021 Dear XXXX XXXX, Thank you for recently sharing your concerns with National Small Loan. Your complaint has been received and has been forwarded to the appropriate department for further review. Once that review has been completed, we will reach back out to you. If you have any additional concerns or questions, please do not hesitate to contact us. When responding to this email, please be sure to include your full name and last 4 digits of your Social Security Number for proper identification. Sincerely, National Small Loan www.nationalsmallloan.com XXXX Phone : XXXX Fax : XXXX Notice of Confidentiality : All content and information included and/or attached in this electronic mail transmission is considered to be confidential and is intended for the addressee only. All content is considered to be NationalSmallLoan.com 's exclusive copyrighted property. Any unauthorized reproduction, distribution, publication, or disclosure is expressly prohibited without the express written consent of the company. If you believe this e-mail message has reached you in error, please notify the sender by replying to the transmission. Please delete this message without disclosing or copying it.
12/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48237
Web
To whom it may concern : 1. I took out a payday loan with your company, and I must have misread the agreement. I thought that they wanted 10 payments of {$130.00} on a {$1000.00} loan. 2. So far, I have made five payments of {$130.00} each. 3. I had thought that that would have been about $ XXXX just a little over half of the amount that was due. 4. When I spoke to customer service today, they told me that of those {$650.00}, only {$9.00} had gone to interest and there was still a principal balance of {$990.00}. And the total payback is meant to be over {$4000.00}. On a {$1000.00} loan 5. I have spoken to my bank to stop payment on all future Bank drafts until we come to a conclusion about a more reasonable interest rate. 6. it does say that we can talk to the tribal authority in order to do this, but if they're acting in the capacity of mediators then once they issue a decision it will be binding. 7. I have spoken to the cfpb, and the answer that the company gave me was that they had tribal immunity from lawsuits. 8. After I did further research, I found that the second Court of appeals has ruled against XXXX XXXX XXXX claims of sovereign immunity and that they must follow the state law of the jurisdiction in which they lend. In this case, it is Wisconsin. ( Docket Nos. 16-2019-cv ( L ) ; 16-2132-cv ; 16-2135-cv ; 16-2138-cv ; 16-2140-cv ( Con ) ) 9. we probably have a few ways going forward at this point, and tell me which of them you would like : a. The firm could just sue me and send a representative and we could work this out in the district court. b. We could work the agreement to be what it appeared to be, which was 10 payments of {$130.00} each. c. The firm could turn it over to a collection agency, in which case they would not be able to collect any of the money because courts can not adjudicate an agreement in which one of the parties does not come in to the situation with clean hands. Please tell me the path that loan at last would like to take to resolve this, because there will be no further disbursements from my checking account after today 's stop payment order. I'm refiling this exact message through the cfpb so that it will be a matter of record all of our communications. XXXX XXXX Sent from XXXX Mail on XXXX
03/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IA
  • 528XX
Web
I applied for a {$500.00} loan today, online, after being approved and routed to the lender through a mobile app ( XXXX XXXX XXXX ). After signing the loan agreement I then emailed their support line explaining my cell phone had been disconnected and could only communicate via email. It was at this point I realized this *could be* a scam. I communicated via email with someone associated with the lender whose rapid response time and punctuation used in the email seemed concerning. I did decline the loan via email and was given verification that my request and cancellation had been received and processed. I am now concerned considering this person or group has my personal information and a signed agreement from me, not to mention my bank account information. If and when I do receive the funds ( which I declined and was given confirmation of declining ) I will then be on the hook for the interest of which I used as the basis to decline the loan ( the interest rates fall well out of fair lending guidelines and I am happy to provide the loan agreement paperwork and emails as proof should you need that to assess a fine to the company or motion to have it dissolved immediately ). Believe it or not I also have several personal contacts of whom I know firsthand are involved in predatory lending scams and Internet crimes and I would absolutely love them to be incarcerated for these crimes and removed from the ability to continue to commit acts against others. Im extremely tired of this ( excuse my language ) XXXX from these trash people too XXXX to earn money like normal XXXX people and the fact that theyve singlehandedly perpetuated the ruin of my local not to mention National economy is so infuriating I can not even begin to fully express that in words. Thank you so very much for your time and attention and I look forward with extreme jubilation to dealing with the next XXXX thing that will come down the pipeline from the simply act of applying for a bogus predatory loan from some XXXX ( yet hopefully sterile ) piece of human XXXX and will certainly my follow-up on this specific complaint as it applies to this specific situation should I receive finds or should this situation appear on my credit report at some point.
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • SC
  • 296XX
Web
I requested debt validation with this company via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. My letter was very clear and concise. I asked for the company to provide me with true debt validation IN WRITING : My letter also states : " Until proper validation is provided, you are to cease all collection efforts. '' I also requested in my letter that no telephone contact be made by the company, and that any correspondence with me MUST be done in writing via USPS. The company has ignored my requests, and has repeatedly attempted to contact me via telephone. I have also received XXXX emails from different email addresses that seem to be referencing this alleged account. I have received nothing from this company in writing. The first email was sent on XX/XX/2022. In that email, it states that multiple phone call attempts to collect this alleged debt have not been successful. This email is threatening in nature. This email goes on to say that my alleged balance can continue to accrue interest and fees which will raise the alleged balance. This email does not give an alleged amount owed. The second email was sent on XX/XX/2022, and this email only suggested that I start a dialog with this company online to settle an alleged past due balance. Again, no amount owed was included in the email. The last email I received was on XX/XX/2022. This email stated the company was reaching out to me to invite me to their new online platform that would allow me to settle my alleged account, set up a payment plan for the alleged account, or pay off in full the alleged amount owed, which is still unknown as it is not included in this email. There is a link that says " Click here to Make an Offer. '' The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to harass me via telephone and email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting. .
10/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
On XXXX XX/XX/2018, I was issued a loan from XXXX, XXXX d/b/a Sky Trail Cash for {$700.00}. To date, I have paid {$350.00}. XXXX, XXXX d/b/a Sky Trail Cash expects an additional six payments of {$170.00}. If I make the eight payments, I will pay {$1400.00} for a {$700.00} loan. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$700.00} loan, the fees collected should be {$100.00}. If I pay a total of {$1400.00}, I will repay the {$700.00} PLUS {$720.00} in interest. I will pay MORE in interest than the loan. I will pay {$620.00} more than allowed by South Carolina law. XXXX, XXXX d/b/a Sky Trail Cash is a predatory payday loan lender hiding behind Tribal laws. Payments are due on paydays. The interest being charged according to documents is 584.90 %!!!!! 584.90 %!!!!! This coupled with the payments due on paydays classifies XXXX, XXXX d/b/a Sky Trail Cash as a PREDATORY payday loan lender. XXXX, XXXX d/b/a Sky Trail Cash preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. I will repay the {$700.00} loan. To date, my balance due on that is {$340.00}. I will pay that {$340.00} plus the {$100.00} in allowed fees for a total of {$440.00}. I will NOT, however, pay {$170.00} per payday. I will settle this matter with the payment schedule outlined below : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$48.00} All payments as outlined above will be made by check mailed to XXXX, XXXX d/b/a Sky Trail Cash. Companies like XXXX, XXXX d/b/a Sky Trail Cash which prey on individuals under hardship conditions must be stopped or, at the very least, strictly regulated. These companies cause spirals of financial hardships for individuals ALREADY facing financial hardship. I will continue to file complaints until a FAIR settlement is reach. My paying 584.90 % in interest is hardly fair!!!!
09/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • GA
  • 30344
Web Servicemember
On Tuesday, XX/XX/XXXX, I encountered an unexpected financial hardship. I sought to find a company that appeals to veterans ; I am a XXXX veteran. I came across National Small Loans. I applied and was approved in little time. Moments after approval, I received a call from a rep advising that I was approved for {$600.00}. This was great news, so I thought. The rep sent over an email for an eSign but as I read through the details it seemed incredibly predatory. My 1st payment was to be due 10 days later in the amount of {$310.00}, with the same payment amount for a full schedule that would've ultimately cost me thousands for the XXXX. When I became reluctant, the fast talking rep insisted I sign the contract while still on the phone and I wasn't comfortable with that. I asked for time to think about it. Fortunately, I was able to borrow the money from a family member and I wouldn't be charged excessive interest. Within a few minutes, I began receiving calls and emails from NSL pressuring me to sign the document. I replied that I no longer needed their loan and that I would like to resend my application since it was never signed. They made that process incredibly difficult and still sent emails urging me to sign. I sent a final email reiterating that I no longer needed their loan and kindly requested they disregard my app. After that, I received an email which stated that they regret to inform me that bc of my credit profile, they could not approve me at this time. Not only was this confusing but it was also very vindictive. As a veteran-consumer and an abiding citizen over all, I expected them to leave me whole and not try to demolish my credit profile simply because I chose a better lending option. My only fault is not reading their reviews before applying. It was disheartening to sit and read dozens and dozens and dozens of negative reviews from people with a similar story. Predatory lending should be unlawful, and if you can help stop these people from kicking people while they're already down, you will do this world justice. Thank you kindly.
10/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NJ
  • 070XX
Web Older American
I had taken out payday loans from this lender and paid in full before the final payment installment. On XX/XX/XXXX, I was sent this promotional offer via email : The Promotional Offer ( 4 Interest Free Payment Offer : " As a valued returning customer, you qualified this month for a special promotional offer. Apply today 4 no - interest payments when you make 8 successful regular payments on your next loan. Apply before the end of the business on XXXX XXXX to take advantage of the savings! Apply online by XX/XX/XXXX to receive this exclusive offer! *Only valid on 12 - payment installment loans. This was the main reason why I took out this loan and in addition my common-law husband was waiting for his disability payments to come in as he undergoing XXXX treatments. In addition, since I was self-employed, I had taken out this loan to handle operating expenses for my business Had I known about Lendumo bait and switch tactics, I would not have bothered to take out the loan. As scheduled all payments posted to my account as agreed. I made a total of 8 payments of XXXX from XX/XX/XXXX through XX/XX/XXXX. Followed by a payment of XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and XXXX on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received a notice from my checking account that my Lendumo account was closed and that an additional payment of XXXX would not be processed. Lendumo tried to circumvent this transaction and tried to deposit an amount of {$350.00} which XXXX advised me to place a stop payment on this transaction. There is currently a lawsuit which involves Lendumo, so of course, XXXX will not honor any payments from them. Lendumo, on the other hand, put my account in collections and harassed and threatened me in several emails for the next couple of days until I sent them a cease and desist email in which I told them I'm considering filing a lawsuit for the harassment. They wanted me to make a money order which I could not do anyway because I would have to make the money order from my XXXX checking account.
09/06/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • PA
  • 18944
Web
i received a deposit in my account that was an ACH transfer from a company called " Radiant Cash ''. Upon noticing the credit, I looked them up online and contacted my bank this morning. My bank requested I contact the company first to try to get it resolved, but was able to confirm the deposit was submitted in my name with my routing and account number attached. Following the conversation with my bank, I contacted Radiant Cash. When the first representative answered the phone, I only provided my first and last name, to which she immediately responded that she had my application in front of her, and asked me if I ever applied for any loans online because they purchase information. When I advised her I did not, not in the last several years, she transferred me to the fraud department. The fraud representative I spoke with identified himself as " XXXX '' and told me he was located in South Dakota. He tried to convince me I applied for it, asked me for last XXXX of my SSN, which I refused to provide because I 'm already going into this phone call knowing this is some kind of scam. He then states they can rescind the loan, but it would take up to 4 business days, and he could email me a copy of the confirmation, along with a packet that I can file fraud with. Immediately following that, he refused to verify the email or any of the information on file, just kept asking me to provide it. Then states the only way he will be able to provide this information is when I file fraud and submit it along with a copy of a police report. All while insuring they will be taking their {$500.00} back, nothing more and nothing less. I do not know what kind of company deposits money randomly into people 's accounts without any confirmation or requests from an individual, but I had a very unsatisfactory ( not to mention uneasy ) experience dealing with this company. As of yet I have not received this email " confirmation '' from him that he told me over an hour ago that I would have within 10 minutes. Please help and investigate this company.
11/03/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 363XX
Web
I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response. Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX
12/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • FL
  • 34746
Web
have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until XXXX to XXXX business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. I have filed a complaint this morning XX/XX/2023 and attached screenshots to a complaint I submitted on XX/XX/2023 I have also checked the portal on Makwa finance and it said to claim 500 points and the application is pending and it says date funded XX/XX/2023 I will attach the screenshots I saw on the Makwa finance portal this evening
06/27/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33713
Web
Hello. My name is XXXX XXXX XXXX. I am a United States citizen for a very long time.. but last year of XXXX, I had to take out a Loan from a company called LoanAtLast, based in Wisconsin. Everything was very well transacted and legit. Months went by and I did not repay them and so the total balance reached a total of {$650.00}. When the pandemic hit in Early XXXX, I was not able to repay it because I was laid off from work at the time. So I kept getting calls from the company until one day, I received a very suspicious email saying I will be sued by this company and a so called attorney represented himself from that fraud email as he was using my personal information from the company LoanAtLast to represent himself and seek that compensation for my loan. Finally, I called the company and they told me that there is no such thing as an attorney ever contacting me ever and that they will never sue me BECAUSE of the pandemic and the global issues ... the " attorney '' wanted my debit card information, but when I called Loan At Last, they have already transferred my debt into a collection agency ... called XXXX. I have made my first payment to that company so I can start clearing the debt, but the attorney is representing a whole different amount owed which is obviously a scam ... My email : XXXX Scam email : XXXX I have contacted the original company which is LOAN AT LAST He ( the mysterious attorney needs to be investigated for fraud and scam ) needs to be seen and caught as he is asking me for personal info regarding a loan I have using my info and the company 's info! When the scam attorney " XXXX XXXX '' charged my card the first time, it came up as XXXX, XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX GA Maybe this is the person and his phone number RELATED TO THE SCAM! Please adress this accordingly and make him pay for what he is doing to many others! he is using the Covid-19 pandemic to his advantage. Thank you! Contact me for further details please : XXXX I want to help!
03/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33025
Web
Letter sent to the lender : Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. I must also inform you that I will be filing complaints with the XXXX XXXX XXXX the Federal Trade Commission, and Florida Attorney General 's Office. I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. Sincerely, XXXX XXXX CC : Federal Trade Commission Better Business Bureau Florida State of Finance
03/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 941XX
Web
I was rushed into a loan of {$1200.00} that has fees and interest adding up to a payback amount of {$6300.00}, Interest is charged daily with payments of {$150.00} weekly taken directly out of MY bank account. I was not able to access the terms because an old email address was used for the loan which was offered in a text as emergency funds to help with the coronavirus pandemic currently occurring. The only way to gain access to the loan terms was to create an online account with this old email. No texts, no emails were sent with loan terms, payment information or that my bank account would be used to directly deduct weekly payments totally {$6300.00}. I did not know any of this until the first week payment was taken out of my bank account. I will not have enough funds to cover the weekly payment in two weeks time. The loan was offered to me as emergency shelter in place funds during the Coronavirus Pandemic that is currently going on. They know I am not allowed to work, I need the money for food and shelter but I am only using the money to pay the interest and fees that has turned a {$1200.00} loan to {$6300.00} loan! This emergency loan has not helped but made a life threatening situation worse with the added stress of having to find the funds to pay back the loan instead of for food, shelter, heat, and basic life expenses. As I starve to death, please enjoy your blood tainted interest payments! I thought I would have months to pay back not weeks, 41 weekly payments of {$150.00}. There is NO way for me to pay this back without working and without being allowed to leave my home but you are welcome to have a pound of my dead rotting flesh. I was not told the terms, I could not access the terms until I called and got a rude operator who was not helpful I had to piece it together myself, I would like this to stop this from happening to other people. If I do contract the virus and die, these are the vultures that have dug my grave and someday you WILL ANSWER TO GOD!
05/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CO
  • 802XX
Web
In XX/XX/2019 I had the unfortunate circumstance of requesting an online payday loan with a company named Loan at Last. At first I borrowed a {$300.00} loan, and once it was paid off, borrowed a smaller {$200.00} loan, and once that was paid off, borrowed a {$600.00} loan. I paid it off quickly but realized I needed to reborrow the {$600.00} amount. This was late December 2019. I made 3 payments as per my loan agreement of {$97.00} until I could no longer afford to do so after losing employment due to the COVID-19 pandemic along with millions of other individuals. Company restructured my loan and lowered the interest rate to 244 %. The initial interest rate was over 600 %, a similar rate to the previous 3 loans I had with the company. The remaining balance was {$570.00}, and nearly a year later I still have not managed to pay the balance off. Company has stated mutually agreeable solution was reached. This is inaccurate. I have requested the remaining balance of {$250.00} be forgiven multiple times to no avail. I have all my bank transaction records to prove the hundreds of dollars I have paid in interest. I contest the remaining balance of {$250.00} and am in complete disgust that they are allowed to operate legally. I have spent almost {$900.00} on the interest payments alone, not including the actual principal loan amounts, paying off my loans with this company since becoming a customer in 2019. I have thoroughly read all of the loan agreements. I know that some representative will write a response to this complaint justifying their actions. There is no justification. It is extremely unethical and predatory to charge 600 % interest. They are trapping consumers in an endless debt trap from which there is no way out, and they are fully aware of this. Claiming these are high risk loans to consumers with poor credit is their excuse, and I hope the day finally comes when lenders of this type will be prosecuted and put out of business.
10/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48076
Web
On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. Thank you, XXXX XXXX
03/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ME
  • 04401
Web
I applied for a payday loan on XX/XX/2018. While on the phone, and dealing with the contract I specifically asked the person if i paid off the loan on my next check what the full amount due would be. I was told about {$30.00}. When the time came to make the payment, all of the sudden it was very much more. I could not afford the full amount so I just let them take out the {$58.00}. Ive since made numerous payments, including one on XX/XX/18 inn the amount of {$58.00} & {$41.00}. On XX/XX/18 I request my payoff amount. I emailed them five times in total, with the last one on XX/XX/18. All requesting my payoff amount. They then called me on XX/XX/18 and said they were attempting to collect a debt. I asked how I was in collections when they have automatically been debiting my checking account each pay period since I took the loan. I told them Id had enough and that Id be filing a complaint with you all. I disconnected the phone. I then received a text message that stated my payoff amount is {$240.00}, and asking how I intended to take care of the payment before it is escalated further. I texted them back and asked escalated for what? Ive not missed a payment ... they automatically deduct it. I also sent a screenshot of my checking account showing the payments on XX/XX/18. This company lied to me on the day I took the loan. They have not given me my payoff amount even though I have emailed and texted requesting it numerous times. It always takes a week to hear from them, all the while they are racking on the interest to my account. I have now put a stop payment on my account. I will not allow any further payments to be automatically deducted from my account. I have no issue paying a debt, but I will not be financially XXXX. I do have emails that I can forward to you all showing my requests. I will attach screen shots of the texts I received today, as well as ones that were sent a few weeks back.
04/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98372
Web Older American
This loan from XXXX says I borrowed {$1400.00} online. Then i saw that it was 500 % interest, plus a finance fee. Now they say i owe over {$6500.00} in one month. I am getting collection calls. I did not sign up for this loan. They insist they can charge 500 %. I have told the collection people that I do not owe this money, but they keep calling me. I am on social security trying to get by. This is part of a bigger scam that I am fighting now. I was the victim of a couple of scams online ; A romance scam. Then I was threatened by the scammer who took over my computer remotely.I was told i had to pay upfront costs but I didn't know what they were talking about.I am now being told I signed up with them for a loan a month ago. I am reporting this along with other loans and credit cards to my bank and the police. In total, I was scammed XXXX from fraud. I am in the process of filing for bankruptcy now. Thank you. I just now received this email : to me Hello XXXX, This email is a confirmation that we have received your ACH revocation request with Lendumo. This request has been applied to your account as of XX/XX/2023. If you had a payment before or on this date, the ACH revocation will be applied on your next payment date. Please be advised that while payments will no longer be automatically taken from your bank account, they are due by their scheduled payment date. Your next payment is scheduled for XX/XX/2023 in the amount of {$530.00}. To avoid late fees, please call to schedule one-time transactions or mail in your payments. Please keep in mind mailing in payments may take 2-3 weeks to post and are only posted once they are received by our payment processing department. Our mailing address is listed below. If this modification was made in error or you have further questions, please contact customer service at XXXX.
12/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97213
Web
On XX/XX/2018, I agreed on a {$500.00} loan with XXXX XXXX XXXX. On XX/XX/XXXX, I had a minimum payment due for {$150.00}. I emailed and asked XXXX XXXX ( person who handles my loan ) how much my final payment would be if I want to pay {$300.00} instead of {$150.00} on XX/XX/XXXX. XXXX said after the {$300.00} is sussesfully in ( if I agree to pay {$300.00} ), the system will calculate and give the amount for final payment which is due on XX/XX/2018. He said the final payment would be {$360.00}. I havent agreed or authorized for {$300.00} to be made but {$300.00} was withdrawn on XX/XX/XXXX instead of {$150.00}. I didnt complain about it because it was what I wanted to pay. - On XX/XX/XXXX, i emailed XXXX to make sure the final payment I have to pay on XX/XX/XXXX to have to loan paid off. He emailed me back telling me the final payment would be {$450.00} ( instead of {$360.00} he told me ). I and XXXX were still in the middle of the confusion about why the final payment is way more than what I was told after I paid {$300.00} for the first payment. I never received a reply from XXXX. On XX/XX/2018, {$150.00} was withdrawn from my bank as the minimum payment due. I emailed XXXX and asked him why {$150.00} was withdrawn when I and he were still trying to work the final payment out. I wanted to pay it off not minimum payment only. He replied {$150.00} was withdrawn as the minimum payment due because there was no confirmation that I wanted to pay off with different amounts. I asked him then why my first payment was {$300.00} without my confirmation. He keeps denying it and blame on the company system - and he told me he talked to his manager and I can pay off the loan tomorrow in the amount of {$290.00}. In conclusion, I cant avoid the final payment in the amount of {$450.00} or higher ( even tho he told me it would be &
08/23/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web
The interest rate is 844.8 % I was advised that in the state of New Jersey in which i live, that is illegal, they can only charge 30 % yearly. An {$800.00} loan is going to cost me {$3000.00}. Now don't get me wrong I want to pay my debts but at a fair and reasonable rate. Amplify states that i have to follow tribal laws but i am not a tribesman nor do i live on a reservation. If they are going to sell a product to someone in New Jersey than New Jersey laws need to be followed not their own. I am discontinued payment until a reasonable rate/agreement can be made. I have revoked the ach authorization and expect amplify to honor my wishes and request as stated in the email they sent me telling me they would. Confirmation from amplify Good morning, This email is to communicate that I have documented and applied your ACH revocation to your account. Amplify Funding does not accept debit/credit cards, so your other payment option would be to mail your payments in or authorize a one-time ACH payment over the phone. Please keep in mind that mail-in payments do take a little bit longer to process and post to your account so please try to mail in a few days prior to your due date to avoid the possibility of late fees being added to your account. Although your payments are not scheduled to run through your bank account anymore, they are still due. Your next payment is due on XX/XX/2018 for {$240.00}. Please let me know if there is anything else I can help you with. Thank you, XXXX XXXX XXXX XXXX Amplify Funding P.O. Box XXXX XXXX XXXX XXXX WI., XXXX ( XXXX ) XXXX XXXX From : Sent : Thursday, XX/XX/2018 XXXX AM To : Customer Service Subject : Ach revoke Please discontinue ach debits from my bank account. Enable online payments so i can pay online. Send email confirmation that you have done so. Thanks in advance,
10/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08759
Web Older American, Servicemember
It has come to my attention though contact with the office of the Attorney General of the State of New Jersey that payday loans and tribal installment loans are illegal in New Jersey because interest rates exceed the 30 % allowed under law. It is criminal usury if a lender charges an interest rate of 30 % or more to an individual .Your interest rate on this loan is is 467.77 %. Because the loan agreement was signed electronically on a computer in New Jersey it is governed by NJ law, Not Tribal. Tribal laws apply to tribal members and people living on the reservation. Therefore, the loan contract that I have with you, according to my state 's laws, is illegal and not enforceable. Although I am not required to do so, I have repaid the principal balance of the loan. To date, I have received {$1000.00} and have made 3 payments of {$340.00} for a total of {$1000.00}. This results in an overpayment of {$32.00}. I am a XXXX year old veteran living on social security and a part-time job, I can not make these payments and keep up with the rest of my obligations each month. At this time I am requesting a return email acknowledging that my loan has been paid in full and my account has been closed. Also, I would like a refund of the {$32.00} overpayment. A refund check of {$32.00} should be mailed to me at the address you have on file. I am revoking ACH authorization, per Federal law, Regulation E Section 205.10 concerning pre-authorized transfers. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.I demand that any contact be made through email only. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number.
03/31/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 34746
Web
I applied for a loan through makwa finance. For a loan of XXXX I was desperate for a loan because Im dealing with a hardship and I needed the money to pay off debts and I explained that I have a payment upcoming on XX/XX/30 I told makwa via email that I wont be able to make that payment on XX/XX/30 I was told that I would be able to make the payment on the XXXX then I get an email this morning saying that my account is in collections I explained that Im in a hardship the representative XXXX tried to lower the amount it still was high for me it was in the XXXX I asked to speak to a supervisor I she got very defensive and said I gave you all the options why do you want to speak to a supervisor. She placed me on hold and left me on hold. I called back I was very emotional the rep seemed nice and said she will stop ACH payments and to make the payment online or make small payments. Then I called this afternoon because I received an email and another rep was asking when is the payment going to be made. I had to explain again the situation Im in I asked to speak to a supervisor and I was transferred. I could barely understand because of the heavy accent. She asked if I can make a small payment. I got frustrated because she began talking about collections. I couldnt understand Im confused she said its not confusing. I hung up I called again and I spoke to a representative who was asking for a payment again. And the representative told me that she will continue to send emails. I tried to call customer service. Instead I get account resolutions and I asked if this is customer service the rep picked up got an attitude with me and said this is account resolutions why do you want to talk to customer service. This rep was very XXXX. I hung up. I dont need this stress I have enough on my plate
11/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 337XX
Web
On XX/XX/XXXX, I received an email asking if I'd like to apply for a personal loan. Once I applied, I was matched with Amplify Funding as a lender. I completed the application, received a message saying I was approved for {$1200.00} and to call the toll free number for verification. Once I was on the phone with a rep from Amplify Funding, I was asked to log in to the website and complete the application process. I was asked while completing the initial application if I could afford a payment over {$250.00} per month. I answered yes. But it wasn't until I was approved and reviewed the loan document online that I realized I was expected to make 12 payments of {$410.00} per month with an interest rate of XXXX percent. My {$1200.00} loan was going to end up costing me {$3700.00} in interest. After investigating Florida financial law, I realized this company is not licensed to do business in the state and the XXXX percent interest rate also violates Florida law. I wrote a letter to Amplify Funding which I attached to an email and sent on XX/XX/XXXX stating that the loan violates Florida law including the reasons why, and that I am only obligated to repay the principal. I also stated how I would repay the loan and asked Amplify Funding to contact me to set up the payment plan. They responded to my email ignoring my request and stating although the ACH had been cancelled, I was still responsible for paying the entire loan amount of {$4900.00}. I sent another email on XX/XX/XXXX again stating the same information as above and asked them to contact me to set up a payment plan. I also requested a letter from them confirming the loan will be considered paid in full once I pay back the {$1200.00} principal. I have not heard back from them.
12/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • FL
  • 34746
Web
have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXXXXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. I have attached the screenshots of the application as well
04/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MA
  • 02703
Web
I received an email with my full legal name, an old address, and content stating my loan was approved for XXXX. I did NOT apply for this loan. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX complaint and noticed that many folks have reported similar situations resulting in some of them paying money to stop the harassment in collecting loan proceeds for a loan they didn't even apply for. I finally spoke with XXXX in management today. He mentioned this is likely identity theft. He confirmed the funds were actually sent to an old XXXX account of mine. This account has been closed for years and the funds were returned. Here 's my issue. This isn't identity theft. In what world would a scammer use my actual email address and an old bank account that was actually mine and is now closed. This is likely a business model choice... I'd like to fight this as far as I need to. I did go through a terrible time in the past ( 15 years ago? ) with a few payday loan firms and I remember the endless fees and inability to pay them down. I thought these guys were ultimately run out of business, but it seems they are still alive. I'd like someone to investigate the actual loan app that they approved. I asked the company to send me a copy as well. I am in banking and understand underwriting. They didn't run a personal credit score or report for me. They didn't contact my place of employment, etc. hence why I believe this scam originates within the payday lender itself or something less obvious then just run of the mill identify theft. I'm morally outraged that this firm hides behind their tribal jurisdiction and is fleecing people.
11/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85392
Web
I needed a small loan of {$500.00} and when speaking to the consultant on the phone ( XX/XX/XXXX ) I was very specific about that number despite them trying to push a larger amount on me. She assured me that though I was approved for around 2k, I would only be getting the {$500.00}. Once I looked at the contract ( which I no longer had access to once it was signed by the way ), I saw that they had me set up for 16 payments of {$140.00} which far exceeds what I borrowed and the initial interest discussed ( which I can't recall at the moment but will never be able to confirm since I can't see the contract anymore ). I expressed this concern to the consultant who assured me that I wouldn't be paying that much if that's not what I borrowed and can always pay off my quote early to end it. Well, several months and about 1k later, I'm still making payments. I've called twice, the first time when I mentioned I wanted to talk about my payments, the phone operator became very short with me and told me she'd have someone call me back. That never happened. I called again and I got into a small argument with another person who told me that I agreed to keep paying because I didn't pay off what I owed early and that because I didn't, I agreed to have 60 % interest added on every time which is why I'm still paying toward over 2k. That was never mentioned in my first phone call with them and I don't remember that being part of the contract, which, once again, I do not have access to anymore. Based on other reviews I've seen about them, they are hands down a predatory lending company and I'm afraid that they are not going to contact me about this like they said they would since that didn't happen the first time.
04/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 283XX
Web Servicemember
XXXX contacted me after I went online to apply for a loan in connection with the impending Coronavirus Outbreak by shoring up my most high payment creditors, along with insuring more funds were available for the increased cost of consumer items as usually happens in situations like this, and to which the state government does little about. I was able to have my car loan payment to be put on the back in of the loan which I wasn't sure was going to happen. XXXX somehow got a whole of my old checking account at XXXX XXXX XXXX, and in doing so was unable unbeknown to me at the time, to withdraw a due payment on XX/XX/2020 as I took this loan out early XXXX. I never did get a loan account number until recently when I accidentally stumbled over it nor have I ever receive a copy of the loan contract. The company is based on a XXXX reservation, not subject to state laws regarding Pay Day Lending companies. They are outlawed here in North Carolina. XXXX has harrassed me on several occasions concerning their apparently inability to draft funds from my account. I have repeatedly told them and sent by email, certified mail, and fax the correct account info, and they will not accept my explanation or documentation nor query the employee who signed for the certified mail on XX/XX/2020 with the correct info, and again on XX/XX/2020 I sent them their payment with a XXXX money order sent CERTIFIED PRIORITY MAIL along with yet again correct banking info at a cost of {$15.00}. Today on XX/XX/2020 after them calling me again requesting payment and saying I was in default, I am mailing them my most recent bank statement by regular mail. I have tried to work with them as best I can, now its ' getting to be harassment.
01/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 270XX
Web
I am unsure of the validity of this company, first and foremost. I needed the money to pay for a class after falling on hard times and I was unable to secure a regular loan. My first concern was that the application said I did mot have to authorize ACH transfers for my payment. I then received notification saying I needed to call their service center to complete verification. At this time the representative advised ACH was required and I would not receive my loan if I didn't sogn the authorization. My first payment drafted in the payment date, but was so early in the morning it drafted before my check cleared. I decided to research the company after that and requested that my next payment be deferred before I allowed them to draft again. After researching, I found that this company is supposedly owned by, but not located, on an XXXX tribe of some sort, and therefore immune to federal or state laws. I have sent notifications of revocation of consent for ACH, but have received no response in return. I have seen many complaints with the XXXX regarding the company continuing to draft accounts after consumers revoked their ACH consent. I feel like this company has lots of similarities to the XXXX XXXX scam and want to know my rights if they continue to draft my account after multiple notices of revocation of ACH. I was also told my the representative when I requested the deferral of my last payment that if I deferred the payment, I could not pay off the loan prior to my last payment date, which to me sounds like I would have to pay the 794 % interest for the full 12 months as opposed to paying the loan off early once I receive my reimbursement from school next month. Is this legal?
08/01/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • WA
  • 98133
Web
On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.
12/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 34746
Web
I have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all.
05/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30350
Web
The loan that I am paying to the company, XXXX XXXX XXXX, is too high and the company makes it a difficult and long process to make the payments. I discussed with XXXX XXXX XXXX that I want to make payments from my debit card by calling in and making the payments, instead of getting the payments made directly from my bank account. I was told this wouldn't be a problem. The first payment I called in to make, XXXX XXXX XXXX marked the payment as paid, but the funds were not taken from my account. I made this call on XX/XX/2019. When I saw my bank statement and realized the funds were not applied, I called to have it processed on XX/XX/2019. The total payment for {$130.00} was made that day. The process took nearly XXXX minutes. I was then told that when they played back the recording, XXXX at Last allegedly said that they had me saying to make the initial payment of {$100.00} on the following Friday, XX/XX/2019, and the remaining {$31.00} would be made XX/XX/2019. Since this payment, every following payment has been made on Friday 's. The phone process, for some reason takes nearly 30 minutes of long waiting, representatives saying that the debit card payments have to be made from a supervisor, that I unable to be put in direct contact with, and my payments accrue close to {$15.00} a day. The last payment I made, XX/XX/2019, the representative told me that my payoff amount on a {$800.00} loan is roughly {$830.00}. The representative then proceeded to say I made 6 payments when I have only made 3. I would greatly appreciate assistance in anyway to get from under XXXX XXXX XXXX and other harmful companies such as this one.
12/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • DC
  • 20019
Web
On XX/XX/2020, a deposit of {$600.00} was deposited into my checking from Nationalsmallloan XXXX. Initially, I was surprised because I never spoke to anyone pertaining to a loan. Since the telephone number was included in the description of the XXXX deposit I contacted Nationalsmallloan and excepted the terms and loan.The terms consist of XXXX payment beginning on XX/XX/2020 and XXXX additional payments bi-weekly unless the full balance was paid off. So I made another payment of XXXX on XX/XX/2020. On XX/XX/2020, I contacted Nationalsmallloan in an effort to pay the loan off in full. This is when the problem occurred. I informed a representative that I wanted to pay off the loan in full and the representative asked to take my number and someone would call me back with an exact pay off. After about an hour I called again and was asked to leave my number and someone would call me back. After about 2 hours, I repeated an attempt to contact Nationalsmallloan and was given the same excuse. I repeated this for a total of 6 attempts. On XX/XX/2020, again I was asked to leave my number and someone would contact me, but no one every did. On Monday XX/XX/2020, I contacted a representative and expressed my disappointment regarding their failure to call me back and I stated, " You all are trying to continue to collect the XXXX bi-weekly payment. '' and the representative said, " yeah '' Thereafter, I contacted my financial institution and they instructed me to place a one year block on the ACH transaction. So I expect to hear from them soon because a payment is scheduled for XXXX, 2020.
04/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90710
Web
Avail Blue deposited {$400.00} into my XXXX bank account on XX/XX/22 and they said that I applied for a loan with them. I told them that I never applied for a loan with them. They have all my personal info including my SSN, my address, my employer, my driver license number and my banking info which enabled them to deposit the funds. After a lot of back and forth that I never applied for a loan, I asked for the XXXX address they have on record from where the online loan application was made. I XXXX it and it's somewhere in XXXX XXXX. Avail Blue instructed me to have my bank reverse the funds and I did. The funds was taken out from my acct on XX/XX/22. XXXX actually told me that Avail Blue could have done it themselves since it's evident they have my bank info. I reported the matter to the FTC. Many calls still from Avail Blue as they claim the funds have not been returned. We did a XXXX call with XXXX and XXXX said it may take 45 days. Meanwhile, Avail Blue has been emailing and calling about payment due. I called Avail Blue on XX/XX/22 to tell tell them to stop emailing or calling me and that it wasn't my loan and it has already been reversed by my bank. They said that they will not stop collection efforts until they get the funds. The person I spoke with is XXXX who said she was from XXXX. The other Avail Blue staff I have spoken with in the past was XXXX who we did the XXXX call with XXXX XXXX and who was provided a case number by XXXX. I called FTC also on XX/XX/22 to seek advice and person I spoke with suggested that I file with Consumer Finance Protection Bureau.
07/08/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77083
Web
I was notified by phone back in XXXX by a collection representative with Lendumo about a pass due payment from XXXX. I advised the representative that my monthly payment was made on their website online by my son in the amount owe of {$310.00} on my due date XXXX. Because I had fraud issue on my bank account and I knew the payment wouldn't go though I had my son to make the payment for me so I thought the issue was resolved. I called them on XXXX but was advised it was too late for them to stop the payment because they have a 3 day notice to make changes to automictic payments. I continued to receive collection calls trying to collect on a payment that was made on time for my XXXX payment online. I sent a written notice to the lender on XXXX again advising them that I didn't owe the a payment from XXXX since it was paid by my son on time. I received an email response from Lendumo stating that the account was pass due to the return payment and once again I explained to them what happen and they acknowledge they di receive the payment for {$310.00} back in XXXX which was the exact amount payment due to {$310.00} on XXXX. But because their system shows pass due they still have to collect. I tried again to get them to update their system and correct this matter because the pass due payment amount of {$310.00} was not pass due, it was just a system issue on their end but they have refused to correct this issue and have continued to harass me over and over again. The harassment calls haven't stopped on them trying to collect on a payment that is clearly not owed to them.
04/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 37027
Web Older American
On XX/XX/XXXX, in an effort to help my son with some debt, I made the very poor choice of borrowing XXXX from Mitig Capital. Having lost my husband to XXXX I was swimming in my own debt and thought this would be a viable solution. Make my payments. Be clear in a few months. But ( and this never would have happened if my husband were still living ) I did not read the contract and the loan terms as I should have. Shame on me. The issue comes when an ACH payment failed, an error that truly occurred on my banks end. I go on line. I try to make my payment. I am locked out. Try again. Still locked out. I send an email. Get a call from XXXX. Schedule an ACH payment for the following Friday to rectify the situation. The following Friday that payment does not clear, nor does the payment as scheduled. I am still locked out of my account. Interest accruing, I ask XXXX why this has happened. XXXX tells me due to processing problems they couldnt withdraw my payment. I offer to send a check. XXXX tells me this will make my payment late, given the mail slow down. I schedule a payment for XXXX to be drafted Monday, XX/XX/XXXX. Though the money has been drafted, I still do not have access to my account, either on line or on paper. What I currently owe remains a mystery, leaving me hog tied. In several weeks I will pay the remainder. I think it is important that your office is aware of this business, their practices and their attitude toward consumer lending. I am fortunate that I can be free of them soon. I suspect many of their customers are not so lucky.
02/25/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 07093
Web
I had taken out two loans with this company, one on XX/XX/XXXX for {$700.00} ( total paid in full plus interest {$1500.00} ) and a second loan on XX/XX/XXXX for {$1000.00}. During repayment for the XX/XX/XXXX loan, I was counseled that in NJ lenders must be licensed by the state in order to offer loans to its residents and prohibit lending at an excessive interest rate. In addition, it is illegal to provide any loans at a rate higher than 30 % in NJ. I reached out to the company to inform them that because of their practice the contract is invalid and since I had paid {$820.00} in excess interest rate fees, I revoked ACH withdrawal for my XX/XX/XXXX loan since the company was paid more than full. In response to my letter dated XX/XX/XXXX, the company claimed that they have tribal law immunities and can collect on this debt and requested a settlement of {$240.00}, which I denied because they had already been paid {$820.00} in excess fees. I sent a follow up letter dated XX/XX/XXXX, in which I did not receive a response. On XX/XX/XXXX, I received an email ( which I clearly stated in my XX/XX/XXXX letter that I am only accepting communication through regular mail ), stating that my debt is 120 days in collection and will be reported to the credit agencies. This company has already been paid in excess and should not be collecting on this account. They also refuse to follow consumer 's request method of communications, ignore requests, and threaten to place an account which I more than paid their company for with the credit bureaus.
11/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 291XX
Web
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$700.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$170.00}. On XX/XX/XXXX, XXXX XXXX deducted not the {$170.00} payment, but {$230.00}. This was not to be my payment amount. Despite having paid {$400.00}, my online account shows I still owe {$810.00} on a {$700.00} loan. This is outrageous! If I pay another {$810.00}, I will end up paying {$1200.00} on a {$700.00} loan. That is {$520.00} in interest. 75 % interest!!!!! This is predatory and greedy. My loan documents actually show the interest rate as 672 %!!!!!! This must be illegal!!!!! Since I have paid {$400.00} on a {$700.00} loan, my balance due without interest is {$290.00}. In South Carolina, payday loans can only charge {$15.00} per {$100.00} borrowed. Since that is my state of residence, I should only have to pay {$100.00} in fees. I should have a balance remaining of {$390.00} NOT {$810.00}. Since XXXX has already lied to me and changed my payment amount, I now want to reach a settlement to pay off the {$390.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$49.00} paid on XX/XX/XXXX I will make my payments via check mailed to XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.
12/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48329
Web
I applied for and received a loan from Mitig Capital. I received XXXX on XX/XX/2020. I contacted Mitig Capital on XX/XX/XXXX. I was horrified to hear the Balance of XXXX on that date. I then made sure to have that entire balance in my account that was on file with Mitig Capital. I had a conversation with the loan officer on the XXXX of XXXX at Mitig Capital and she said that the XXXX which was the entire balance on that date would be pulled from my account on XX/XX/XXXX. She said the balance would remain the same until then. On XX/XX/XXXX the funds were not pulled so I called Mitig Capital. The agent named XXXX stated that there was a problem on their end at that's why the balance hadn't been pulled. He assured me the balance would be pulled the next day on XX/XX/XXXX. I called back the evening of XX/XX/XXXX to make sure there was no problem with my account numbers that they had on file. This time I talked to an agent named XXXX XXXX. At first he said my account balance was approximately XXXX. I protested stating that I have been attempting to pay off the entire balance since XXXX. He talked to a supervisor and called back to state that yes the balance of XXXX was still valid payoff and that the funds would be pulled on XX/XX/XXXX. It is now evening of the XXXX and Mitig has not yet pulled the funds to pay off the debt. I am very concerned that they are stalling and attempting to run up finance charges. I have read that this is happened to other clients of theirs. Please advise and help if warranted ... .thank you.
05/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MT
  • 59105
Web
Originally took out loan XX/XX/XXXX put in my dates for payday and got email stating a payment was coming out on the wrong date. Told them and they re-wrote the loan XX/XX/XXXX, and the same thing happened again and rewrote XX/XX/XXXX. So finally they got it correct and the first payment came out XX/XX/XXXX for {$270.00}, of which {$2.00} went to principal. I called to pay off the loan today and the amount due for payoff was {$1600.00}. This was more than the original loan, after a payment was made. Ridiculous. As I do understand that the interest rate is 393.70 %, this loan apparently was originated on " tribal '' land, so they do not have to comply with my residential state of Montana, which has a cap for payday loans at 36 %. I have stopped the ACH as of today and told them I would put an offer in to pay {$1500.00} in full, but they could not do anything today to accommodate this, leaving me 2 more days of interest accruing till Monday. I told them that I felt that they were not legally disbursing loans this way and that I was going to stop paying and get a settlement that way if they don't accept my offer Monday. I am furious that these companies can get away with this. My husband and I had some urgent needs for some money till he went back to work and I was recovering from a XXXX. We have 2 of these loans with 2 different companies XXXX up with interest payments. How is this legal??? Especially when I reside in a state with a low cap. Even though the loans were online, this should still apply. Loan XXXX XXXX
07/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 93635
Web Servicemember
I got notice to vacate the house I was renting because the owner was selling. I had 30 days to find a place and move. I didn't have the money for a security deposit or for moving. I was scared to death. I decided to take out a small loan so that I would not wind up homeless. I got an email from MitigCapital offering me a loan. I called them in tears and explained my situation. They offered me {$970.00}. They did not tell me that I would be paying it back @ {$290.00} every other week for 18 payments. That the interest was 643.71 % or that I would be paying {$4300.00} in finance charges. I would NEVER EVER have agreed to this. I signed the loan documents without first taking the time to read the fine print. That was my mistake I know. I am XXXX years old, single, in poor health and can not see to read without my glasses And I could not find my glasses and did not want to tell them to wait in case they changed their mind. I called today because they had taken out a payment 2 weeks ago and today another. That's when I found out they would be taking {$290.00} from my account every payday for18 payments. I can not possibly pay this. It will leave me with no money for food, rent etc. I live on a shoestring as it is. I explained this to the woman and she said " you should have read the loan documents. You signed them and that's just the way it is ''. I don't know what to do now. I am considering quitting my job, closing my bank account and going homeless so they can't find me. I am terrified. Please help!
05/06/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • SC
  • 291XX
Web
I took a lone in XX/XX/2018 from Bridge Lending Solutions. The interest rate was huge and I later learned they were an illegal lender. I have asked for validation of the debt and to settle for the principal amount of the loan. I believe it was for approximately {$500.00}, however they will not validate. Bridge Lending Solutions sold the debt to XXXX XXXX. XXXX called my sister in law pretending to be an attorneys office and told her I was in danger of being arrested due to a debt that I owed. I called them immediately, and while I could tell they were impersonating an attorney 's office, I did set up payment arrangements on the account. I still have not received the written verification that I requested. I called due to needing to reschedule my payment and spoke with a representative who was very rude. She would not cancel my payment as requested but did reduce it temporarily for XXXX payment. She threatened that if I did not make the agreed upon payment they would take me to court. She said they would garnish my wages, but I told her that was illegal in SC. She then said they would get a judgement that was worth over 3-4 times the amount owed. I again told her this was illegal and that I wanted to speak with her supervisor. She told me she did not have a supervisor. I asked for the full company name and all she would tell me is XXXX. I asked for the address, and she refused to give it to me. Which, I again told her was illegal. All she would give me was an email address : XXXX XXXX
05/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • IL
  • 60621
Web Older American
I wanted to get a loan for the holidays that was coming up. I'm XXXX years old and retired receiving social security and no pension. I do XXXX but it was slow last season so I needed some holiday cash. I went online for a loan and looked at XXXX XXXX but on a {$1000.00} loan the interest was {$500.00} dollars which is 50 % for a total of {$1500.00}. So I tried a company called Amplify. Since XXXX they have changed their name to Lendumo. While online I received a call from them for personal and bank information. The agent from the company told me to go online to read the terms of agreement. I already had the sight up but received a email telling me I was approved. After receiving the first email I received another telling me that The payments were {$340.00} a month on the date that I receive my social security monthly payment until the loan was paid. I was so glad that I was approved that I didn't notice that no interest rate was mentioned during the phone conversation. After receiving the money in my bank account the next day I went to the website for Amplify and the rate was 400 %. I called and talk to an agent and they just said that the terms was agreded upon. I told the agent didn't tell me the rate she said I should have ask I said he should have told me. I said okay I'll close my bank account when I pay the principle and reasonable interest. To date I have made payments. {$1700.00} I read on internet that I shouldn't close my bank account but give you guys a call.
08/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94044
Web
You do not provide an other option for Type of Problem. Therefore, I had to select the problem that most closely resembles my issue. I have strong evidence that this lender is not a XXXX owned corporation and that it is actually a XXXX XXXX used by outside investors to skirt the usury laws of many of the states in the U.S. behind the shield of the sovereign nation. What this lender is doing is fraudulent and should be investigated not just by the CFPB, but also by other agencies that regulate the financial sector and by Attorneys General of the states whose usury laws they are violating. Furthermore, I have observed that there happen to be multiple corporations run out of the same office by the same people, lending to the same customers with different names such as XXXX XXXX, whose mailing address is almost the same ( a few P.O. boxes away ), whose customer service agents get confused about what company they are representing on the phone, and whose marketing emails are identical and are sent simultaneously. Their customer service agents deny being one and the same corporation, but all the evidence says otherwise. These two in particular, XXXX and XXXX, have divided into two corporations in order to fraudulently issue twice as many loans ( to the same customers who can not repay either one ) and in order to fraudulently receive twice the investments from the outside investors using them for their sovereign immunity to violate state usury laws with impunity.
12/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85208
Web Servicemember
On XX/XX/22 I went online to explore a short term loan as my funds would not be available from a deposit I had made until XXXX. I first visited national small loans, but in working on the application when I came to understand the terms of the loan I chose not to proceed. I received an email notification from them indicating the need to sign the application to proceed and intentionally did not, as I chose to go with another lender. XXXX when I checked my account a deposit of {$500.00} had been made to my checking account. I called and attempted to speak with someone to notify them of the unauthorized loan and coordinate the return of funds and was advised the representative could not help me and I would have to wait until the billing department reached out to me, but they could not indicate when this would be. I then forwarded the email to them that showed I had not authorized the loan and indicated I wanted to resolve this and have not had a response. I researched and found numerous complaints in the XXXX XXXX XXXX of similar experiences of the provider in question depositing despite the loan not being authorized. I called and filed a complaint with the FTC # XXXX, and upon their encouragement have contacted my bank that reports they can not reverse the deposit. The FTC advised that I not contact National Small Loan further at this time and contact the Consumer Financial Bureau regarding the need to end this loan that was not authorized.
01/24/2024 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34746
Web
I have been a member of lendumo since XX/XX/XXXX of XXXX. The first loan I took out was {$300.00} and my amounts were {$48.00}. I paid off that loan on XX/XX/XXXX on XX/XX/XXXX I took out another loan of {$810.00}. I paid down the principal on that one and I paid off that loan on XX/XX/XXXX. I applied for the third time on XX/XX/XXXX for {$900.00} I paid down the principal and the payoff date is XX/XX/XXXX of XXXX in total, I was able to make XXXX payments. I reached out last Wednesday, XX/XX/XXXX explaining that I am going through a hardship to revoke the ACH. I am struggling to make ends meet and I am on a fixed income, barely making it. The principal amount is {$830.00}. I would like to settle for the principal amount and consider it paid in full and I would like to pay that in installments once my finances get better. Yesterday afternoon I received a call from. XXXX but there was no voicemail left I am on a fixed income, barely making it. I have been a customer with XXXX for a year and I hate to be behind but with my income and expenses increasing its Im finding it difficult to make the payments on time in total I was able to make six payments so far. I would like to settle for the principal amount which is XXXX and consider it paid in full, but paid in installments. I am looking forward to a resolution to this matter. And to please cease and desist communications, so I can focus on my finances
11/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94103
Web
On XX/XX/2020, I took out a {$550.00} loan from this company. They are taking {$150.00} out of my account every 2 weeks. I recently got a new job and my payday dates are different than the dates they take the money out, I attempted to reach them to change my payment billing dates but there is no way to do so. This causes my account to go into overdraft every 2 weeks. They also will not let me pay the loan off early to get out of the trap. I would like the withdrawals from my account to cease immediately, in the middle of XXXX or early XXXX, I added a payment of {$200.00} and it did not decrease my principle balance and was all applied to interest with the exception of about {$50.00}. I have paid them over {$1000.00} now on a {$550.00} loan. They have made their money. I am asking for the withdrawals to be ceased immediately as they give me no way to pay down the balance and keep charging me high finance fees every 2 weeks that I am unable to afford. If they refuse to cease withdrawals, I would at least like a reduction in the payment amounts ( which has gone UP by {$27.00} as of last week. ) AND changing of my billing dates to the XXXX and end of month to coincide with my paydays. This company has ruined me financially for the past 3 months and I am working 2 jobs to cover this debt, I should not be on the hook for over {$300.00} per month on a {$500.00} loan with no way to pay it off early.
05/29/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80017
Web
My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.
02/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WA
  • 98311
Web
I have never applied for a loan with this company and I do not need a loan. This company has emailed me numerous times that my loan is waiting for me to sign and all I need to do is click on the link in the email. I did not ever apply for a loan! I have responded to every email that they have sent and asked them to take my information out of there system because I did not apply for a loan and I believe someone is trying to get a loan in my name. I counted 6 emails in the past 4 days that they have sent me. When I reply to them and ask them to take me out of their system, their response is that " I need to reply again with my Full Name and Last 4 of my Social Security Number ''. I, of course, am not going to give that information out to a company that I have never heard of and never applied with. I have worked in marketing and I have worked with automated email systems and I know how all of it works. They can most definitely at least take me out of their email list if nothing else. But, when I get replies the come from a person and the replies are from a XXXX email, so someone must be reading them. All I want is for them to take me out of their system and acknowledge that someone is trying to get this loan in my name and stolen my information. The company is National Small Loan and the website is www.nationalsmallloan.com phone and fax are P : XXXX F : XXXX
04/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MA
  • 027XX
Web Older American, Servicemember
XXXX XXXX I went online then telephone to obtain would be qualified. a {$1200.00} loan for car repair not a payday loan.. XXXX XXXX contacted me and stated that XXXX XXXX would send me a list of loaners that I. Niswi, LLC dba Lendumo XXXX. XXXX XXXX XXXX XXXX XXXX was sent to me by email called them agreed to the loan for {$1200.00} at XXXX per month to be withdrawn from my checking account on the 1st of each month Lendumo made all arrangements on phone. for payments XXXX XXXX, XX/XX/2021 XXXX XXXX all withdrawn from my checking by Lendumo as agreed. XX/XX/2021 received an e mail that XXXX XXXX another {$490.00}. I called Lendumo Representative stated that since I did not pay on time I was owed Lendumo more according to the agreement I signed. I never signed an agreement or was it mentioned no agreement was sent by email for me to sign or stated on phone Representative stated it was in their website which I had no knowledge of. I was to make 12 payments at5 {$490.00} at 499.94 % I stated that was usury Lendumo made all arrangements for payments and never mentioned percentage rate or agreement or did I sign any agreement. I went to Lendumo website found the document my signature is not on document but printed which I never seen or heard. late fee charges are {$30.00} poer payment Please advise I am willing to testify in Court under oath to the above.
03/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 02301
Web Older American
My Name Is XXXX XXXX I was in XXXX for three months while i was in XXXX my tenant on the first floor furnace broke down and could, nt be repaired it have to be replaced, the cost for the new furnace is {$6500.00} so i went online and fill applications on several sites daily and getting several {$1000.00} offers and {$600.00} offers which i was turning down but not realizing that i clicked on a Esign document but i still continue to search for the loan, I return to the XXXX in XX/XX/XXXX still searching for a loan and did, nt check my account until a couple days later for my ss check and retirement check still did, nt until end of month that a withdrawal of {$170.00} was taken from account for a loan of {$600.00} i instantly contact the company that withdraw my money trying to get some answers why i was, nt contacted about an approval loan for {$600.00} they claimed they send me an email that i did, nt received i in return tell them if you guys had went about this loan the right way i would not have accepted this loan because it did not meet my caused, so i return requested paper work on this loan which was sent to me right away and i was shocked when i see the percentage rate for a {$600.00} loan IS RATE IS 714.54 % I call them back right away and informed that you are ripping off the consumer and i, m not paying you XXXX for a {$600.00} loan
09/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32818
Web
I received a small payday from a XXXX XXXX company called Bridge Lending last XX/XX/XXXX, and have had issues repaying the loan ( due to financial hardship ). Finally, in XX/XX/XXXX I received an alarming phone call from an unidentified local number, ( XXXX ) XXXX ; the message left by this process server basically threatening to show up at my job, or at my home unless I contact the client to settle immediately, which I did. I was unable again, to make the payment of {$240.00} that I had scheduled with this collections firm, who goes by the office of XXXX, ( telephone XXXX ) ; they did extend the scheduled payment to my next payday. I contacted XXXX back later that week, to make an arrangement for partial payment, as I was not able to make the payment for the full amount. I was denied a payment arrangement. The payment of course was not able to be processed on the scheduled date, and I was contacted immediately by another process server, who left another startling message on my phone. I contacted XXXX again, only this time, I was yelled at, berated, and threaten by office manager XXXX who stated that no arrangement would be made, and the case has been refiled ... this is not how I believe legit lenders, collection agencies and process servers do business ... in addition to filing this complaint, I have decided to seek legal representation.
01/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OR
  • 97045
Web
I had been in an incredibly tight situation where I applied for a loan of {$500.00}, and I received a statement stating that I would have a loan with an APR of around 39 percent. I thought that was fine because my credit is terrible, but I couldnt download the PDF, but it didnt matter because I was in a state of urgency to cover unexpected expenses. I saw that my total cost for the loan would be {$1000.00} and some odd change. I however, on signing, could not log into my account for two days, could not verify anything, tried to correct an incorrect payment date on the email I received and on logging back in, I saw that the loan amount was for {$3200.00} and the APR skyrocketed to 762 % I tried to correct this, I looked into them on the XXXX XXXX XXXX, and every response theyve given to anyone complaining about their experience has been about how theyre on tribal grounds and thus exempt from the surrounding laws and cant be touched. They tore XXXX XXXX XXXX from me and I cant get it back, I managed to block their payments after they were eating the entirety of my weekly paychecks as XXXX XXXX XXXX but it still got so much that I havent been able to pay rent for the past two months I want to go through and find a way to make sure they can never do this to anyone else and this complaint is one of the ways Im trying to do exactly that
06/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94558
Web
I received a call from Bridge Lending solutions because I was applying for alot of online loan companies because I have been having a cash flow problem, with overdraft fees and was hoping I could stop the overdraft fees by supplementing with this loan. They gave me {$500.00} on XX/XX/2019 and On XX/XX/2019, I paid them {$200.00}, then on XX/XX/2019. I paid them {$180.00} and then on XX/XX/2019 I paid them {$120.00} a total of {$500.00} and the loan amount was {$500.00} to begin with and as of today my balance on the loan is {$520.00}. I received a loan from them for {$500.00} and have paid them {$500.00}, the loan has only been active for a total of 40 days and as of todayXX/XX/2019 I still owe them {$520.00}. The way I see it I have paid my obligation to them, I could possibly see having a balance today of maybe {$120.00} if they want to charge me interest or whatever but at this point in order to get this paid off, they want an additional {$400.00} today. So that would mean a loan for {$500.00} that was taken out less than 45 days ago, has cost me a total of {$900.00}. I am just floored by this and yes I am the person that took out the loan, but I have paid them {$500.00} and I have tried to pay this off and have given them {$500.00}, I just dont understand how people can do this. This is a predatory lender and I am a victim.
08/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 604XX
Web
I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans? Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back?My Cash XXXX loan # XXXX was initially for XXXX. I currently owe more towards the principal, than what I took in the initial loan. How is this so? My interest rate is 674% on XXXX? This feels like being kicked in the teeth, after being awakened from a very bad dream! This is not reality, for 674% interest is a long way from realistic! This is robbery!Is there help out there for my situation?
04/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30144
Web
On XX/XX/2018, around XXXX eastern time I received a call from XXXX XXXX XXXX indicating I had been approved for a loan. They offered me a loan of {$500.00} that would be deposited into my checking account. I was advised I had extended time to pay and could pay off early. With the call happening so late in the night, I accepted the loan. Afterwards I was sent a link to click on and " agree '' to the loan. I wasn't presented with the Truth in Lending disclosures or otherwise I would have declined the loan. My " contract '' arrived via email. The APR is 861.71 %, on a XXXX loan. The total payments scheduled were biweekly with 16 payments total. The total " cost '' of the loan with all payments made is {$1800.00} which would make the grand total repayment amount of {$2300.00}. Payday loans are illegal in the state of Georgia unless the lender is licensed by the state to issue loans ( which this tribe is not ) and unless the lending institution is insured by the FDIC ( again, they are not ). Further the interest rates in this loan also violate state laws aimed at protecting customers. At the time, I was unaware this predatory lending was illegal. I have contacted the XXXX County District Attorney as well as the Georgia Attorney General 's office regarding this company and its lending practices.
02/08/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32712
Web
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as Skytrail Cash and XXXX XXXX, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of 2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX credit file. This is not my account and i want it removed from my XXXX files permanently. Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
05/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98264
Web Servicemember
I originally took out this loan and another to pay for repair parts for my RV I live in. After investigating the illegal lending practices this lender engages in, I decided to refinance both loans through my local credit union. I call Amplify Funding for a 5 day payoff amount and they did not explain the ridiculous way they handle mailed payoff checks. When I called 3 business days prior to the first payment due date to tell them to not attempt to collect the payment by EFT which was within the guidelines of loan contract, I was then told that they only pick up their mail and process any payments by check on Fridays. I expressed my frustration and outrage at this obvious attempt to charge illegally charge me with late fees and accrued interest but to no avail. After several phone calls and emails, they finally located the check and processed it on the payment due date but not before they attempted to illegally charge my checking account with the first payment twice that same day. As attempting to call this a payday loan AFTER the loan was signed, I assume they did this to avoid the laws regarding standard lending practices. The XXXX rates this company with an " F '' rating due to 33 similar complaints have been made to them regarding Amply Funding 's scams against their customers.
03/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08055
Web
On XX/XX/XXXX I received an email stating that I had a payment due on a loan from a company name XXXX, phone number ( XXXX ) -XXXX-XXXX. I did not apply for a loan, saw no Credit Bureau inquiries, no loan is appearing on my Credit Bureau and did not receive any unexpected deposits to any account. I immediately responded to the email notifying the company that I did not apply for the loan and that it was fraud. On XX/XX/XXXX they acknowledged my reply and told me to fill out a Police report and forward it to them. On XX/XX/XXXX I responded that since I have no knowledge of the company, the alleged loan or any other details other than an email requesting payment, I would not be submitting a police report. For all I know the email was a fraud attempt. They have stopped responding via email but are calling me requesting payment. I called and spoke to an associate today XXXX and was again told to fill out a police report. I again told them I don't have any information to put into a police report. They stated the police report was required to proceed. I informed them that I would expect them to file a report since they are the victim who suffered a loss. I offered to sign a document stating I did not apply for a loan. They did not accept that offer and I asked them to stop calling me.
03/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • DC
  • 20010
Web
on XX/XX/XXXX got a loan for XXXX from Makwa Finance they have been taking XXXX out of my account for 13 weeks on the 14th week I paid them {$500.00}, it seemed to me that it was difficult to pay it off in time. On the XXXX of XXXX I owed Makwa Finance {$1700.00}, so I took a loan out from XXXX XXXX for {$2000.00} to pay off a loan at Makwa Finance. XXXX XXXX sent the check out on XXXX of XXXX made it to Makwa Finance on XXXX XXXX, I called to make sure they had got the check they told me that they had received the check that they were not going to process the check for up to 2-3 weeks. And they stated that they were going to still charge my card for {$190.00} until they processed my check. I went to my bank and put a stop payment on my funds and called XXXX XXXX to put a stop payment on my check. I had to call XXXX XXXX to get authorization for a cash advance for {$2200.00}, at the same time asked the representative to stay on the phone with me while I paid off the remaining balance On XXXX XXXX XXXX, I paid Makwa Finance {$1800.00} they sent me an email that my account was paid in full. but on XXXX the XXXX they sent me an email stating that I owe them more than what I had paid. And they threatened to keep charging me interest and also reporting it to my creditors.
03/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 76543
Web
I was told the total amount of the loan inter is simply XXXX $ every XXXX . I asked multiple times what their APR is she insisted that there in no APR. And that it is only the XXXX $ every XXXX XXXX. She failed to mention that, thats every two weeks. So by paying them a minimum payment, I would never catch up and continue paying them for over a year. I was affect by XXXX and temporarily lost some of our income. I elected to stop payments to them from my bank and try to reach a decision. I have reached out today awaiting a response back. However, I find it highly unfair, and downright scandalous the way they went about this. I send this to CFPB in hopes of # 1 them understand they messed up, # 2 learning some useful information regarding this matter, and how I could have done things different/better. # 3 hopefully if it is anyway possible warn others of this company before they fall vicitim. Its unfortunate they take advantage of people already in a hard situation with Low scores. This money was borrowed as a emergency means, we unexpectedly had to travel across the country to family, we lost a close relative due to COVID. Please everyone, take heed when getting these loans. Check all your options, use this as a last resort option. Silent killers of all your hard work.
05/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63376
Web
On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. All on XX/XX/19 1. XXXX XXXX on Behalf of Radiant Cash 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA Bridge Lending SOL 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX XXXX report. Thank you, XXXX XXXX
07/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • GA
  • 30019
Web
I live in Georgia and per Georgia law, ANY AND ALL payday loans are ILLEGAL and I was NOT aware of this and this company did NOT disclose this. Here is the law from the Georgia.gov law book. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. I want this debt to be legally CANCELLED. They are NOT licensed to do business in Georgia nor have a Georgia Industrial Loan License.
06/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 705XX
Web
I applied for this installment loan on XX/XX/2019 for the amount of {$1200.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 673.84 %!! I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$320.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1600.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX spree. I had no money left and no way to continue to pay these outrageous fees!! I have since acknowledged that I have a XXXX problem and am in counseling and XXXX XXXX. I am getting help for this problem. I have contacted Amplify Funding and asked for a settlement. They will not accept less than {$1200.00}. Making me pay a total of {$2800.00} for a {$1200.00} loan! I was told that I could pay {$50.00} biweekly but another {$1200.00} is outrageous and unreasonable!! Not to mention would take two years to pay off. I am asking that this debt be considered paid in full or a more reasonable settlement. These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
07/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97060
Web
I am senior citizen and I have a XXXX XXXX, XXXX XXXX. Also currently receiving XXXXXXXX XXXX XXXX where I was advised not to sign any documentation currently. I was desperate and needed a small loan to get by until my next XXXX check. I contacted Amplify funding and borrowed only {$500.00} not knowing my interest rate. They went so fast and kept telling me to sign page after page without explaining my interest rate. They are now going to take {$170.00} on the XXXX of every month for one year and I will end up paying them over {$2000.00} for a {$500.00} loan. I know I have my responsibilities but nothing was explained to me and I can not afford to pay over {$2000.00} and have {$170.00} taken out monthly. I felt I was rushed and taken advantage of. I plan to pay back what I borrowed but as a senior on XXXX I can not make these payments. I was rushed through the process and not explained anything about my interest rate. I was shocked to find out how much I had to pay back. Please help me and tell me what my options are. I plan to close my back account but also have every intention on paying back what I borrowed but not at the outrageous interest rate. I can't pay it. What are my options? I'm in the process of getting a case manager to help me with my finances.
04/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33566
Web Servicemember
On XX/XX/XXXX I secured a loan via XXXX for {$1200.00}. During my phone call with this company I specifically asked what the terms were and if there was an early payoff penalty. I was assured I could payoff the loan at any time. It was my understanding the loan was {$1200.00} and the payoff amount was {$1500.00}. This would be 27.5 % interest and the loan would be paid in full in 4 payments, or 2 months. After a 5th installment was collected on XX/XX/XXXX I contacted the company directly. We were, and continue to be, in the midst of an economic crisis, and I inquired why XXXX was still taking payments. At that point I was notified my payoff amount was {$4500.00} on a {$1200.00} loan. This is an interest rate of 688.73 %. Not only should that be criminal, but it's even worse considering the current economic conditions. On XX/XX/XXXX the person I contacted advised they would ask their " support team '' to review my phone call and get back with me. No one ever contacted me again, and on XX/XX/XXXX another installment was debited from my bank account. This means I have already paid {$2200.00} on a {$1200.00} loan and that's 91 % interest. At no time has XXXX even offered to provide ANY relief due to COVID-19, and I believe this company is a predatory lender.
06/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SD
  • 573XX
Web
I applied for a short term loan on XX/XX/XXXX through an online website for XXXX XXXX. I did not receive any details about the loan but the money was credited for {$600.00}. I am still not able to view the online loan agreement and have requested but never received any copy. I requested that XXXX revoke my ACH agreement and that my payment of {$150.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. When I click on my loan agreement online I am redirected to another lender - XXXX XXXX XXXXXXXX but nothing appears except an error message. I get the feeling they are misrepresenting who they are. Neither XXXX XXXX or XXXX appear to be licensed in South Dakota. The online account screen shows I still owe 13 more payments of {$150.00}. That would make a total repayment {$2100.00}. That is nowhere close to the cap of 36 % I expected. I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. Please help me address my concerns about this lender and reach a resolution that is legal and fair.
03/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OH
  • 439XX
Web
I took out a loan for {$1500.00}. I agreed to 4 monthly payments of {$600.00} in order to protect my credit score as I was getting behind. I have paid {$1800.00} so far for the third month. I called them to check the last payment date I was told I would have to pay another 9 months of {$600.00} if I didnt make the pay off amount. I asked 2 weeks ago what the pay off amount would be I was told approximately {$1200.00} mind you Ive already paid {$1800.00}. I called again approximately 1 week ago the payoff amount would now be around {$1800.00}. I couldnt do that so they will take out another {$600.00} on the XXXX plus I would owe another {$800.00} starting the XXXX which would keep going up daily. I called them to complain and they said that I obviously didnt read the agreement. That would be correct I read some but not all. I went back and found a page showing that they charge % XXXX. I was stupid for not reading all the information however I didnt know that anyone could even charge that astronomical amount. I am very upset about this I dont have much money I am on XXXX for a XXXX XXXX and that is a low amount of money to receive. I want everyone to know about these people. I found out they are on a reservation. I thank you for your time.
04/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • AZ
  • XXXXX
Web
I notified my XXXX Bank Account when I noticed that a ACH Credit was depoisted in the amount of {$600.00} from a XXXX XXXX XXXX PPD ID : XXXX on XXXX XXXX, 2022. I informed XXXX Bank that I did not apply or approve any such loan. I requested that XXXX bank return this money to this company. XXXX Bank did by doing a Reversal : XXXX XXXX XXXX XXXX debt in amount of {$600.00} on XX/XX/2022. I then also contacted National Small Loan to inform them of this action and their fraudulent act and that I'd reported it to my Bank. I did this notification via telephone and by email. National Small Loan stated they would forward this concern and resolve matter to appropriate internal dept. To this date, I am still receiving harrassing and threatening phone calls/emails as though they never received any monies. After I also reported to XXXX who sent me this company 's reply which was to pay them {$600.00} and they would resolve the debt, give them authorization to withdraw from my account to retrieve this {$600.00}. They already received this {$600.00} that I never requested, I am certainly not giving them anymore money! I've also googled them and found similar if not worse complaints from others -- they are scamming/fraudulent company.
08/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 299XX
Web Older American
In early XX/XX/XXXX I was desperate for money and had received calls from a Amplify funding As I already sold my home and was merely waiting to close the loan I asked to borrow XXXX $ I never was sent the loan documents but assumed how bad could it be, well 6 months after acquiring the loan I realized that they were taking XXXX $ out twice a month I decided to call and ask my balance .I was then informed that I still owed XXXX more payments of XXXX $ bi monthly. I then asked what could I go as to date I had already paid twice back what I borrowed I was then informed that if I refinanced the loan the payments I made would be eliminated and I would start off with the original XXXX $ I borrowed I asked how about the XXXX $ I already paid and the answer was silence. I know I borrowed the money but as I have already paid back double what I borrowed I believe I have paid enough It is gouging older people on limited incomes and I can not continue to have XXXX $ taken out my limited income every month I was stupid to not get this totally clear Your help would certainly be appreciated Thank You, XXXX XXXX Last four of SS is XXXX Date of Birth XX/XX/XXXX XXXX
01/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 38111
Web
The company attempted to take unauthorized funds from my account based on what they said was online approval, which I can confirm I did not approve. I am currently in a chapter XXXX and did not realize I could not take out a payday loan so I attempted to work out a plan to pay the original amount, which they agreed upon of {$700.00} instead of amend the plan where they would be considered a non priority unsecured debt and receive nothing. They attempted ( after agreeing to the original amount ) to add a ridiculous amount of interest and say the amount is over {$950.00} and still accruing. They are a tribal loan and are not a registered lender in the state of WI. This is their agreement " The laws of the Tribe and applicable federal law will govern this Agreement, without regard to the laws of any state or other jurisdiction, including the Conflict of Laws clause ( s ) of any state. You agree to be bound by Tribal law, and in the event of a bona fide dispute between you and us, Tribal law and applicable federal law shall exclusively apply to such dispute ''. They are charging 557.91 % interest on a {$700.00} loan which would be over {$2400.00}.
01/01/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • MD
  • 20746
Web Servicemember
I obtained a payday loan in the amount of {$1700.00} on XX/XX/2023 for a down payment on a used car. The APR cost of the credit as a yearly rate is $ 325.001 % ; Finance Charge is {$3900.00} Amount Financed is {$1700.00} Total of Payments is {$5600.00} Monthly Payment is {$470.00} They debited my account XXXX XXXX XXXXXXXX and their reason was I authorized the payment to be paid early if the payment date falls on the XXXX of the month and is a holiday, which I did not agree to. I can barely pay the regular payment once a month and would not agree to XXXX payments in the same month totaling {$940.00}. I managed to contact my financial institution and put a stop on the payment they tried to deduct on XX/XX/XXXX. I logged onto the Lendumo website today and see a message in red stating they do not lend in the state of Maryland. There was no reason why? I was then confused as to why they approved me for a loan. I then started researching if they were legally allowed to do payday loans in Maryland and see that Maryland prohibits any type of payday loans. Thank you for your time and consideration, regarding this matter. XXXX XXXX
01/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • GA
  • 30705
Web
In early XXXX I was checking into rates for debt consolidation loans, I filed out some information but didn't accept any of the loans because I didn't have the paper work needed at the time and my bank wasn't on the list of banks pulled up for deposit. I didn't think any more about it until {$600.00} was deposited to my account on XX/XX/XXXX. I emailed the company on the XXXX with questions and they replied that they needed more information so I sent them the information they requested. I got no reply so I emailed again on the XXXX trying to find out if they could take the money back and after waiting several days I found a phone number and called on the XXXX, the person I talked to said they couldn't help me and connected me to someone at national small loan and the lady I talked to there said she would talk to her manager and to stay by the phone because they would call back I have yet to hear from them, and the money is still in my account. I am trying to build my credit up and I don't need this looming over me, I can't afford the payments they have set and I just want them to take the money back and cancel the account.
01/19/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33312
Web
Hello. I recently suffered through a tragic act of nature that forced me out of my home and into a new home where the rent was significantly more. I took out a loan through Lendumo not reading the fine print out of desperation and expecting to be able to pay off the loan relatively quickly. Circumstances beyond my control have prevented me from being able to pay off this loan and I am realizing the extreme predatory nature of this company. I have paid more than double what I was lent and none of it has been applied towards my principal balance. This company has deducted a weekly amount of {$75.00} from my bank account and is uncooperative towards my plight. They have even deviced a strategy that has made it impossible for my bank to stop the payments so I could come to a reasonable settlement agreement with them outside of the gargantuan interest they are blatantly stealing from me weekly. I need help please. I am willing to make a reasonable agreement but what they are doing should not be legal and I am at a loss over how they could possibly be allowed to do this to a hard working XXXX such as myself. Please help.
07/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 174XX
Web Servicemember
I applied for and was approved for an online loan thru Amplify Funding. The loan was presented as an installment loan however, when the payments began to be drafted from my checking account I quickly realized this was a payday loan with extremely high rates/finance charge. I called and inquired about the loan and was advised I was locked in and had to pay the entire amount indicated on the extremely long contract. I was able to pay back the 1st loan with Amplify Funding but I had to reapply to be able to pay other financial responsibilities and feed my family. I was having a discussion with a friend and they advised payday loans are illegal in the state of Pennsylvania and I was advised to contact CFPB to see what my rights are as a consumer and to see if I can possible be responsible for paying the principal of the loan only. My loan/lender information is as follows : Amplify Funding - XXXX Amount Financed : {$1700.00} Annual Percentage Rate Charged : 683.98 % Finance Charge, the dollar amount the credit will cost me : {$4100.00} Total Payments, the amount I will pay after all payments are made : {$5800.00}
04/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • NJ
  • 075XX
Web
I applied for a payday loan with XXXX XXXX XXXX, I applied for a {$500.00} loan and that quickly became nearly {$1000.00} payback amount. I made multiple payments to them in the amount of {$140.00} bi weekly for about two months. I then tried reaching out to this company via phone multiple times for a time period of over a month, I left multiple messages and emails and never heard back, I was left with no choice but to call my bank and have them issue a stop payment as the funds were still being deducted directly out of my account. I still did not hear back from this company up until Friday XX/XX/2018 with a threatening email from a debt collector named XXXX XXXX. This person threatened me with court appointed action if I did not agree to reach out to him and settle this debt. I explained that I was interested in making payments in order to resolve the issue and asked if I could receive receipts for all future payments I make and payments already made and was told to refer to my bank statements. I need help, a I am being harassed by this company at work, home and school via email, phone and even text.
01/21/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 34746
Web
I took out a loan with Lendumo on XXXX XXXX. I previously had a loan with lendumo which was paid off on XXXX XXXX and previously i had loan with lendumo which i took out on XX/XX/year> and successfully paid off on XX/XX/year>. I have had XXXX loans with lendumo. On my current loan that i took out on XXXX XXXX I have made a total of XXXX payments the loan term ends on XXXX XXXX. On wednesday XXXX XXXX i reached out to a lendumo representative to revoke my ACH to avoid an overdraft because of a hardship an unexepcted expenses and i explained that i will reach out to set up arrangements. I am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made XXXX payments towards this loan and i have XXXX payments remaining. I would like to settle for the principle balance pay it in installments and close the account i have other expenses to cover such as bill utilities monthly bills and it is causing me to be in a bind. I look forward to a resolution to resolve this matter I have been a loyal customer since 2023 and i hate to do this but times have been tough for me
08/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90004
Web
I took out a loan with this company called cash Aisle and I realize that The interest of the loan is as to much for me so I called a debt collection for my solution I on what I need to do about this situation. I was told that I could put all my bills as one and pay the company Cash Aisle back through my debt solution program i that I enrolled into to help me get out of this debt so there be no bad debt owed on my credit report. I found out that Cash Aisle has a negative. Hit on my Clarity credit report which I never even heard of but when I look up clarity service and found my report, there it was a Negative hit against me and I could not understand why would they have this negative hit on my report when I have paid on this account in XXXX and XXXX and have the documents to prove that I made payments on this Cash Aisle account through my debt solution program and there is no I should have any delinquency on my Clarity report and Especially when I have prove that I have been paying on this account for at less two months so why do s it on a credit report call clarity and its reported inaccurate
07/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MT
  • 59105
Web
On XX/XX/XXXX I received an email from loan at last stating that I had been approved for a {$1000.00} loan to be disbursed into my account on the next business day which would have been XX/XX/XXXX. I called The company and told the woman I spoke to that this was fraud and identity theft, I had not applied for a loan through them and that the bank account last 4 that was listed was not my bank account. This woman allegedly talked to her supervisor and then put me on a 3 way call with a man that allegedly worked for XXXX XXXX XXXX Texas. The man on the Phone stated he could not find the account. The woman from loan at last stated they take fraud seriously and they would not disburse those funds. I have since made an identity theft report with the FTC and a report with the XXXX County sheriff 's office. The deputy from the sheriff 's office encouraged me to get back in touch with loan at last and ask them what the last 4 of the SSN was that was used to apply for the loan as well as an address and a phone number. So far I have had no luck getting that from them to add to my criminal complaint.
10/25/2021 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NV
  • 89014
Web Older American
I needed to borrow {$400.00} to pay my car registration in this state. I was led to believe that the loan would cost me {$130.00} but after signing and funding, I was sent a document stating that I had to pay {$130.00} a month for 10 months. That's over {$1000.00} on a {$400.00} loan. These people are worse than loan sharks and I will not be extorted by these crooks. Unfortunately I took a {$450.00} loan from a legitimate company and the total payback is {$550.00}. Where do these shylocks get off taking such advantage of desperate people in desperate situations. The only money I have is my social security and more expenses come out of that then money I have to cover just day to day living expenses. I already paid them {$130.00} and now I stopped payment for that company with my bank. I will give them {$50.00} a month for 7 months to pay off the balance of {$300.00} and some interest, but that it all I'm willing or able to pay. If that's not good enough, they can sue me and I'll sue them for fraud. Please help me. These people should not be allowed to even be in business, they are crooks.
07/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 990XX
Web Servicemember
I received an email to apply for a loan while I was searching credit card offers through XXXX. I needed {$700.00}. I applied online with XXXX. They sent an email asking me to sign documents. I did and they said congratulations, they are sending me XXXX to my bank account, which they did. THEN they sent me the repayment schedule. They want me to pay them {$320.00} every two weeks for six months for a total of {$3800.00}! They did not disclose that it would be that much and for that long. They just asked me what dates I wanted to set up payments. I did not want XXXX only {$700.00}. I can not afford this loan! This is as predatory as it gets! I didn't understand it and I didn't realize what I was getting into! I will have to claim bankruptcy which is said because I was using this loan to try and build my credit. I just found out today that I am being laid off and now I am in real trouble. I don't think lenders like this should be allowed to operate. They told me it is too late to rescind it. I just don't want to live if my life is going to be like this. I won't even be able to pay my rent.
09/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 070XX
Web Older American
I received an email stating i was guaranteed a loan with reasonable monthly payments with monthly installments up to 12 months I applied was told i was approved for the amount of {$1200.00} Gave them the info needed for the deposit and that monthly payments would be withdrawn On the XXXX of every month This was in XXXX I never received any paperwork of any kind In XXXX they withdrew {$590.00} from my account I was taken back by the amount withdrawn I called XXXX at XXXX XXXX And questioned them about the amount withrawn i said it seemed high and was rhat what they were going to charge me every month for a year? They said yes I adked what ratevof interest were rhey charging snswwer 450 % Unbelievable! Is that legal? They said if i wanted i can pay it off early and all i had to do was pay {$1700.00} I have paid them monthly but i am on social security I cant afford this I have paid the amount borrowed almost three times over already I believe what they are doing is illegal there should be a limit on interest i need you help I have called them again And received the same response
02/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IA
  • 526XX
Web
I received an email from XXXX this morning XX/XX/21 stating I have a payment due in two days. However, I have not authorized nor have I applied for a loan with them. Nor have I received funds from them. I asked them to send me the load documents to verify its accuracy ; first rep told me to login to the account on the XXXX site to look at my documents as they do not email them. I can't login to an account that I have never created. They advised me to log a police report and send it to them to have the account closed. I contact a second rep, was advised they put in a request to have the documents emailed to me and could do nothing else. I called a third rep at XXXX, I asked him to verify when the loan was originated, for how much and with what bank? He stated it was created on XX/XX/21 for {$1300.00} with XXXX XXXX ending in XXXX. I have never banked with XXXX and have no accounts with them. Not my loan but whoever created it used my name, SS # and birthdate with their own bank. I have placed a fraud alert on my credit reporting agencies and in process of calling my bank.
06/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MI
  • 490XX
Web
I have been working with Radiant Cash for approximately two weeks. They initially approved of a small loan for {$400.00}, but when it was sent to my email address, it stated the payment plan and that it was approved only for {$300.00}. I then called and spoke with XXXX who said he would send to the underwriting dept of the discrepancy and that I needed to wait for an email from the underwriting dept as to when they would be depositing my money into my checking act. I called the next day, and spoke with an foreign woman asking about the email. she said I needed to e-sign the agreement, then I would get the email from the Underwriting dept. So I e-signed it on XXXX. On XXXX I called again, and the foreign sounding man said that " Unfortunately, our company has run out of funds. We will put your account on hold until the underwriters tell us to move forward with the funds. We will not take anything out of your checking account until then. '' I will be cancelling again with them as I tried to take out a loan with them on XX/XX/18 but it fell through and I withdrew my application.
07/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NY
  • 11420
Web
I took out three payday loans one from Lendumo one from XXXX XXXXXXXX XXXX XXXX XXXX.Im struggling to make my payments each month and also paying my other bills.These loans are putting me in debt I wouldnt have considered a payday but I was desperate.I was getting rejected everywhere else but the payday loans where very easy to get approved for.My pension is XXXX XXXX a month and my payday loans are over XXXX XXXX a month.I live in New York where I found out payday loans are illegal.l took out a payday loan from Lendumo in XXXX of this year for XXXX and I have to pay back XXXX XXXX I borrowed XXXX dollars from XXXX XXXX and have to pay back XXXX and from XXXX XXXX I borrowed XXXX dollars and have to pay back XXXX dollars my payment is XXXX a month for 12 months. I borrowed in XX/XX/2022. Lendumo I pay XXXX a month and XXXX XXXX a month these loans will be paid off in XXXX.Be honest with you I did use my old XXXX XXXX address to get the loan but I read XXXX is illegal too.I do have a valid New York drivers license and Bank account Looking for relief thank you XXXX XXXX
08/06/2021 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MI
  • 48312
Web
I referred several people to this company prior to my loan defaulting. On XX/XX/2021 one of the individuals that i referred to the company applied for a loan. This individual is not a relative of mines, however is residing in my home temporary. The gentleman sent me a text message while he was at work indicating the following " They turned me down because you already had a loan with them and its in collections ''. This individual SHOULD NOT be privy to my personal information!!! This individual do not know anything about my personal finances and should not have been informed by this company. This is illegal. I am not married, he is not my husband and I did not give this company permission to discuss my debt with ANYONE. I am going to file a lawsuit. I am embarrassed by their actions and feel violated and judged. Additionally, why deny a person who have no connections to me legally because of a debt they don't have anything to do with. Isn't this illegal too. I also recorded the conversation when i called and informed the employee that i was recording the call.
07/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30019
Web
I live in Georgia and here is the Georgia law that I was unaware of, The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in May 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. They do NOT hold any type of Georgia license.
03/01/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • XXXXX
Web Servicemember
I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. Thank you.
11/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 34974
Web
On XX/XX/2020 I took out a loan With Loan at Last for XXXX. The APR for this loan is 640.11 %. I would end up paying {$3200.00}. at the end of the loan. I have since found that Florida State law has deemed payday loans APR would be no more than 18 to 25 %. Also found that Loan at Last does not have a business license With Florida deeming this loan to be void and uncollectable. I have filed a complaint with the XXXX and offered to pay the premium of XXXX and wanted a refund for XXXX, the amount that I have over paid. They refused and keep saying that state and federal mean nothing to them that they fall within tribal sovereign laws. The Florida statute also states that my signature and the lenders signature must be on the loan agreement, mine is the only signature on the documents, ( e-signed ) everything was completed online. I have sent a letter of revocation of ACH to loan at last, stopped direct deposit and just closed my account because my account was overdrawn because of loan at last. and my bank launched a fraud investigation on XX/XX/2020.
10/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • KY
  • 42301
Web
I took a loan from Lendumo on XX/XX/2023 but the money did not arrive until XX/XX/2023, at which time I immediately repaid the loan, however, the company insists on me paying interest for 2 days that I did not have the money. In the loan agreement it states that I being accruing interest on the disbursement date, and that in some circumstances the funds are not deposited as expected, and in that case the " disbursement date '' will be automatically adjusted in the system when the funds are disbursed. I have repaid the {$2500.00} but was still charged {$84.00} in interest that I refuse to pay. I suspect they are doing this to many unfortunate consumers, collecting XXXX XXXX XXXX from struggling families across the nation. They are telling me if I refuse to pay this illegally generated interest that I will never be able to borrow money from them again. So if you refuse to abide by their fraudulent scheme you're penalized. This organization needs to be investigated, and consumers made aware that they could be paying interest that they do not owe.
08/11/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NJ
  • 07002
Web
I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. LAST CHANCE OFFER ENDS XXXX XXXX, 2015. For Credit/Debit Cards : Call us at XXXX to process a payment over the phone.
01/01/2021 No
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 20906
Web
On XX/XX/XXXX I was charged and I'll be charged again on XX/XX/XXXX. My loan amount has not gone down in the slightest. They will continue charging me over {$200.00} in interest every other week twenty times even though my loan was only {$750.00}. This is a horrendous scam and takes advantage of people in need. Mitigcapitol is a scam that doesn't put their fees in the fine print or even tell you about them. I didn't give them any permission to take any direct deposit from my account. They just took money straight from my account. The agreement never said that they would be able to just take money out of my account and have access to my bank. I've read over everything. They're trying to charge over {$200.00} interest for 20 payments plus the payments amount of over {$200.00} for every payment as well. That's extraordinarily well over the amount that was loaned. I was loaned about {$750.00}. I'll end up paying 20 times $ XXXX. This was all hidden and never disclosed to me in the agreement. They're now taking money directly from my account.
03/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60608
Web
On XXXX XXXX, I was given a XXXX dollar loan from green line loans owned by WAAwaatesi llc company ... This company charged XXXX every two weeks for a apr of XXXX percent a year..This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which WAAwaatesi llc is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
12/30/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27520
Web
I took out a loan with Radiant Cash. I have had no issues paying back the loan. However, I have not way to validate the debt and the exact amount owed because their site www.radiantcashs.com has not been active. I am only left to communicate to the company by phone or email. I have asked several time to provide a formal document of the amount owed and pay off date. At this time I have had to rely on information provided by a representative which is not sufficient. As a consumer, I have the right to receive formal documentation of a debt that is owed including all associated charges and interests associated with the debt. XXXX-Email sent requesting debt information and balances. A response was received telling me the amount from a representative that I owe {$210.00}. The original loan amount was {$400.00} and this loan was taken out around XX/XX/2020. I attempted to call the number they provided XXXX and it is a non working number. I have also found out that this company has been recently involved in a lawsuit for deceptive lending.
10/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WY
  • 831XX
Web
In XX/XX/2017 a {$500.00} loan was issued. After a year 's worth of payments they continued to draft my account on an irregular basis resulting in " missed '' payments. I received no notification of correspondence from XXXX XXXX at this time. The loan should have been satisfied. Only to find out that their over the top and illegal in my state interest rates sky rocked my loan from {$500.00} to over {$1200.00}. They then sent fraudulent garnishment paperwork. Today I received a call from a woman attempting to collect for them stating there was a garnishment and when asked for the civil court number she became abusive and hung up. I took calling back 17 times of repeated verbal abuse, long holds, and multiple transfers to get them to admit that there was in fact no garnishment or attempt to gain one through the courts. Their practices are misleading, illegal, and abusive. From research I've learned that XXXX XXXX XXXX has recently and repeatedly been int rouble with the FTC regarding these practices. It's time to shut these people down.
04/01/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • LA
  • 70737
Web
XXXX XXXX has called all of my family members and divulged to them that I am in some sort of legal trouble. They told my daughter who is away at school I was going to prison if I didn't call them. When I called them and asked them to provide written proof of the debt owed they refused to do so. I have never been notified of a judgement and now after calling my office numerous times and being told not too they are threatening garnishment of wages. They still call an office I am no longer working out of. Finally they are telling me it is for a payday loan called Bridge Lending. I only did business with them in 2018. First, my records show the loan was paid in full. Second, the state of LA has three year rule making this debt out dated and they need to stop harassing me and my family. These tactics are unacceptable, heavy handed and very stressful. The latest number they is a XXXX, but they also have called from XXXX, numerous 800 numbers, etc. You never talk to the same person and they are always rude and disrespectful and threatening.
01/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 93560
Web Servicemember
I received Funds that I did not request, in my checking account on XXXX XX/XX/2023 from a company called Lendumo. I DID NOT make a request for these funds. Since, with contact with this company, I learned this is a short term high interest rate installment loan. I did not verify any information with this company. I did not sign any loan aggreement. I do not have an account with this company or site log in, and am not creating one due to identity theft concerns. I have attempted to return the funds sent to me. There have been three attempts that have failed. Its is odd each time funds were available and the amount account not frozen. I have filed a fraud complaint, opened new accounts and awaiting this company to withdraw their funds to close the account involved. I am thinking now after days past that this isn't a matter of a person stealing my information as much as this company. I filed a police report at their request and a report with Identitytheft.gov.. Forwarded the same to Lendumo, yet they persist with collection
12/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60608
Web
On XXXX XXXX, I was given a XXXX dollar loan from lendumo financial. The annual apr for this loan is 765 %. XXXXThis is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, and charge a maximum of XXXX percent interest per year .therefore making this loan illegal in the state of Illinois..Per section XXXX of the Illinois payday loan reform act XXXX give out payday loans to customers the company must be licensed in the state of Illinois which lendumo loans is not..This loan is also is illegal in the state of Illinois per sec XXXX of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
03/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 33417
Web
I was in a position of being evicted. I searched online but never really wanted to do one of these loans. I received an email from XXXX and I was so desperate and they were very persuasive and I ended up borrowing $ 900.in XX/XX/XXXX. I thought I would be able to pay it off within a few weeks. I thought it was a monthly payment. It is {$280.00} every two weeks. I lost my job in XX/XX/XXXX and if I paid it off it will be {$1000.00}. I have already paid {$1100.00}. I see now that the interest rate is $ 740.21 %. I have notified them that I no longer would authorize ACH withdrawls, I have not heard any response from them. I know that if they attempt to withdraw funds onXX/XX/XXXX, I will get charged for an NSF charge. I was involved in an accident on XX/XX/XXXX suffering a concussion. I am now having to look at going back on XXXX XXXX. I can not fathom it being legal to charge the percentage rate they are charging. I don't know if there's anything that can be done. This should be illegal. I at least needed to file a complaint.
07/03/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92392
Web
Loan at last started calling said I owe for a loan, I think they have mistaking me for some one else so I had asked if they can send me documents by mail to validate I owe. They said no they don't send validation by mail They said email only. I do not want to give my email to these people cause I'm not sure who they are yet. So I asked again. I said I need documentation to validate the dept mailed to me they said ya they will see what they can do. At this time I had asked if they could contact me by mail and not my phone. They call me over and over all-day. I want to file all documents and communications we have. But they keep calling me over and over everyday. They still have not sent me anything to validate. It's been 3 month they call daily. Today the guy got a attitude and would not let me talk. I said contact me by mail he said he will contact by what he has on file. I asked for a letter to validate he said no. He hung up on me and called me back. I answer but he hung up on me again. He kept calling and hanging up...
08/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60120
Web
XXXX Loan At Last-Acct. # XXXX XXXX XXXX XXXX Loan Amount XXXX XXXX Loan at Last withdrew from my checking account-XXXX XXXX XXXX, the following : XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX Total : XXXX I contacted the fore-mentioned company to inform that my loan amount had been paid. I was informed that I had six remaining payments of XXXX. At that point, I informed them to discontinue withdraws. Another attempt to withdraw XXXX on XX/XX/2019 was made. I contacted XXXX XXXX and placed a stop payment on XX/XX/2019, and all future withdrawals from this company. My complaint is that I was not informed that I would be billed for more than the original loan amount including nominal interest. This is fraudulent if not illegal. I paid my loan in full plus interest. There is no resolution with this company. My fear, is that this company will continue to operate in this fraudulent manner and hurt many in the process. Please advise. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
03/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33619
Web
I received a loan of {$450.00} and was told my payoff for the loan amount would be {$580.00} and there is no penalty for early payoff. I called in to pay off my balance of {$420.00} as indicated by my payment schedule but the representative told me the payoff would be {$550.00} instead. That would mean I would pay them a total of {$710.00} compared to my initial quote of {$580.00}. I have spoke to three different representatives and have requested a manager callback for help resolving this issue. It seems this company preys on those in tough situations so they can easily get people caught up in a never ending cycle that causes them to be in more debt than the emergency they needed to take the loan out for. Companies should aim to actually help people and not take advantage of their difficult circumstances by scamming them out of money they don't have or that is already difficult to come by. I believe this company does not have good intentions for their customers and they are finding ways to legally scam their clients.
07/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • SC
  • 29223
Web
Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Amplify Funding in the amount of {$1200.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff.There is no early payoff per se. I received an email from Amplify with a payoff proposal in the amount of {$1100.00} only to have my bank account still drafted on XX/XX/XXXX for {$400.00}. I have not received any additional communications from the company. when I login to the portal it only reflects that the account is in Collection activity!!! To protect my back account and my future financial status, I want this matter investigated and adequate payment documentation and a correct payoff balance in writing from this company.
02/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29072
Web
They are taking advantage of people! Advertising quick small loans. Back in XXXX, I thought I was just applying and would here back so when the agreement came up online I clicked I agree. I never received anything that said I was approved, just saw {$500.00} deposited In my account. At the time, I thought I would pay back within a couple payments because the next week a payment was drafted out of my account for XXXX to which I thought that will be paid off in no time. I only needed quick money for XXXX. Sadly, I just found out after inquiring that the interest on this is 700 % which is absolutely ridiculous and taking advantage of people! I dont understand how this company is even allowed to be in business. I want this reported because its robbery. I will end up paying {$2300.00} for what was to be a simple and quick loan for the holidays Your help is appreciated. If you can tell me how to go further with this complaint. They dont need to be in business and taking advantage of people! XXXX XXXX
08/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • 94565
Web
When applying for the loan, on XX/XX/2023, I was told the funds would be deposited into my bank account on the following business day. I asked it that would be XX/XX/2023 and I was told yes, the funds would be in my bank account by the end of the day on Friday, XX/XX/2023. On Friday, XX/XX/2023, at XXXX, I called Lendumo and the automated recording said that the funds had already been deposited to my bank account. I checked my account and the funds were not there. I then spoke with a live representative and was told the funds would be deposited by Monday, XX/XX/2023. I told them thats not what I was told when I submitted my request for the loan and I would like to cancel my loan because waiting until XX/XX/2023 would not help me. They told me I have to wait until the money is deposited into my account before I can cancel the loan. I told them I would report them to the CFPB. They say that they record all calls, for quality assurance, so they can share the recorded conversations with you.
01/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 561XX
Web
I had called the company in regards to high interest rate and they told me that is the way it goes and hung up on me ... I called again and asked if it could be lower and told them in state of Minnesota they could not charge that amount and they told me they could charge whatever they wanted, as they are covered by XXXX XXXX XXXX. But after talking with the states Attorney General they are not licensed to operate in Minnesota or to be federally regulated. So I called them again cause at this point I could no longer access my account online to check out my history. But they refused to tell me why my account was not active, they told me it was my website but it wasn't as it told me their was a payment coming and you don't have access at this time. So they lied to me ... Second I have made XXXX payments with approximately XXXX made to this account and I'm getting past due notices saying I owe more than I borrowed ... I borrowed XXXX on XX/XX/XXXX. They have applied no payments to my account.
12/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 92028
Web
I am writing on behalf of my father who does not speak English. He was tricked into filling his information on this site that made it look like a loan application that he expected to follow the natural approval process followed by disclosure of rates etc. There was no declaration on interest rate or anything, not even a declaration that money will automatically be deposited. After he hit apply, he did not get any email of agreement or approval. He later found out more than a month after that this site withdrew {$380.00} from his account twice within a month. He was not aware that they deposited {$600.00} without any notification and started withdrawing money as payments. The APR rate they are charging him is 863.95 % which was never ever disclosed anywhere in the application process. This site is clearly a scam that is deceiving people and they are now sending collection notices as we stopped bank payments and asked the company to clear this loan but they are not co-operating.
09/30/2020 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MI
  • 49601
Web
On XX/XX/20, a representative from " LendGreen '' contacted my elderly parents via telephone, asking to speak to me. She repeatedly asked them for my phone number. When they asked her what this was about, she refused to answer and continued to ask for my telephone number. When they refused to give it to her, she hung up on them. This was very upsetting for my family. I then called the number that had called them. She answered the phone using my name ( apparently they have caller ID ). I asked her why she had called my parents ' home looking for me ( I have not lived there in over 20 years ), and she would not answer until I " verified information, '' including my social security number, which I refused to do. She would not give me any further information other than she was from " LendGreen. '' I do not know anything further about this company, and have not been associated with them in the past. I told her not to contact myself or any of my family members moving forward.
04/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 24017
Web
On XX/XX/XXXX I took out a loan for XXXX. I called today which is XX/XX/XXXX to find out what is my payout amount and date since they have taken the information off their website. At first she told me that I had 2 more payments and the last payment is on XX/XX/XXXX, I told her that that does not equal to 2 payments, that equals to 4 payments, then she changed and said the last payment is on XX/XX/XXXX. I requested to see the documents but they are telling me they are going to forward it to another department and I should receive the information via e-mail sometime today or tomorrow. There is a lot of inconsistency with the business attempting to get more money from me. Again, they have blocked me from seeing the information online on their website, such as the loan documents, ect. I just went on their website and at the bottom I noticed is states that it don't give loans to people in Virginia, Well!! I am in Virginia. something is not right with this company!!
09/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33324
Web Older American, Servicemember
Lendumo, an online payday loan lending service, approved a small {$1200.00} loan for a family emergency I experienced on XXXX/XXXX/2022. I was told that they could not determine the interest rate until I selected the " sign and continue agreement '' in the app. Once I selected the option they went ahead and approved the {$1200.00}. Fearing that they had my bank account information, pressured me to accept the loan, and fear they would debit my account regardless, they did deposit the money in my account. The problem was the interest rate was like 794 %, now I owe them over {$7000.00}. interest on a measly XXXX with a biweekly payment of {$390.00}. The payments are also being deducted on an alternate week other than agreed upon and have caused several overdrafts to my account. I also do not believe the interest rate that I am being charged is legal in my state. I've paid {$2300.00} so far and seek relief from this predatory loan experience. How is this legal?
08/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45211
Web
Made the mistake of contacting this company back in XX/XX/2019 for a short term loan of XXXX. They started taking XXXX a month out of my account. I contacted them in XXXX and was given a payoff of {$830.00}. I had already paid them {$1300.00}. I told them that I was revoking the authorization to take any more money out of my account. I then requested a copy of my agreement which took over a week to get. I finally received the copy of my agreement and it showed the interest rate is 749 % which is illegal in our state. So if I continued to make payments of the regular amount, I would owe XXXX I call them and get no response. I now understand this is illegal and doing even more research found that this company is not licensed to do business in our state of Ohio. I am a mother who is struggling to finance XXXX for a son who is caught up in the XXXX crisis. I tried to upload documents and it would not load. If I can email this please let me know. Thank you.
09/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 38242
Web
I have found myself having a hard time making the {$340.00} payment each month. I reached out to Amplify to ask for a payment reduction and they said all they offer is a one time skip a payment or an extention which is also a one time thing. They are charge an excessive interest rate of 535.34 %. I am on a fixed income and this is causing me great stress. I have made 4 payments for the above amount. I have 8 more payments to make and when it's all done I will have paid {$4100.00} for a {$1000.00} loan. Is this even legal? If they would work with me to get a lower payment I can pay this loan off. But they seem to be unwilling to offer any solution. If this is an illegal loan I don't believe I should have to give them anymore money considering I have already paid {$1300.00}. I also asked about a payoff amount and the quoted {$1600.00} is what it would take to payoff this loan. That means I'm still going to pay over {$3000.00} on a {$1000.00} loan.
12/16/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • IN
  • 462XX
Web
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/
11/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45458
Web
I applied for what I thought was a payday loan for {$1000.00}. I have paid already a little over {$1200.00} back. They take {$300.00} out of my check every two weeks. I called this morning to find out I still owe a little over {$1500.00}. They stated I signed up to pay over 20 payments of {$300.00} for a total of over {$6000.00}. It is XXXX percent loan. I would have never signed up for that. I also thought it was illegal to do so in Ohio. I needed a temporary loan to pay my rent. I thought today would have been my final payment. Now I see I owe more and have over 16 {$300.00} payments left. I did have them stop taking money out of my account going forward. This can't be legal. I have more than paid this loan back and now they may come after me for thousands of dollars during a pandemic. Is this legal? I also noticed I can't even get another loan. When you try to go back and apply it states they are no longer doing loans. Please help!!!
02/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NH
  • 03051
Web
I received a loan from XXXX XXXX XXXX for {$1000.00}. I called this company 4 times and asked for these people to change my bank account information. They didn't change it, instead they continued to try to take the funds out of an account that had no money in it, causing it to go into an over draft status, thus, generating even more fees from my bank. Also, after receiving the loan, I realized that I was being charged an excessive interest rate, I looked up my state law and read that the cap in my state is 36 %. This company is charging me 515.35 %!!! This loan will cost over {$4000.00} with that interest rate. They are deceptive payday lenders that are hiding behind a tribal affiliation. They say that their tribe laws over ride state law? How is that? How do they legally charge over 500 % interest?! Never again, especially with this company. Its criminal that they take advantage of people that are clearly already struggling.
01/17/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27410
Web
Good afternoon, I strongly believe I have been targeted by a loan XXXX company that has been deducting money from account without providing me any documentation or anything that I signed. I had my bank block them from deducting any further money from my account since it has now been XXXX weeks of me requesting a callback or to pay off the balance via phone and I have not received a single phone call or email. Fact, I have forwarded this email chain of proof of how they are avoiding me. Whenever I call the number provided, they take my information just for them to tell me someone will call me later and again, never received a call. Any help in resolving this issue would be greatly appreciated. I have NEVER been in a position of collections as I am good with my finances and I have been trying to get more information/pay off this loan XXXX and they are purposely postponing/not allowing me to do so. Thank you, XXXX XXXX XXXX
02/10/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • PA
  • 178XX
Web
I took a loan from " Radiant Cash Loans '' for {$600.00}. The monies were credited to my bank account on XX/XX/2016. To date, I have paid a total of {$1300.00} and per Radiant Cash Loans customer service, I have an outstanding balance of {$460.00}, which means out of {$1300.00}, only {$130.00} has been applied to the principal amount. I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. On this loan, that would be the Principal : {$600.00} plus 6 % interest : {$36.00} Based on PA law, I have overpaid by {$750.00}. Also- I can not see my account balance, loan document or proof of payments on my " online account. '' I have had to request proof of payments and balance from customer service, which can take a long time. They say that their website is " undergoing maintenance. '' It has been like this for the life of the loan.
03/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32174
Web
Received a loan from Amplify Funding on XX/XX/XXXX for {$850.00}. In early XXXX I suffered some financial problems and emailed them about stopping my ACH authorization and modifying my loan. At this point I had paid them back the {$850.00} I borrowed plus an extra {$610.00} in interest. They claim to be a tribal lender although they keep filing under other names. They are not licensed in the state of Florida where I live and received this loan. They are trying to receive another {$1700.00} with an interest of 465 % which is a criminal violation of FL usury laws. They sent me to a collection agency called XXXX XXXX and they called me at my workplace. I explained to XXXX that I will not be paying anymore money to Amplify due to my state laws and that I have already paid them more than is required in my state. Most places will only pay them back the principal that was given but they are already made double their money back.
12/20/2019 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 322XX
Web
This company contacted me and said they were hired to settle a debt. That I would provide my debit card information and they would provide me the paperwork stating the terms of the agreement on said debt. I have never received any paperwork from them ever. I had to provide my banking information to them and they said they don't keep it on file, that they would make a one time debit, which they did for {$140.00}. Two weeks later they made another debit from my bank account for another {$140.00} after they specifically told me that they don't keep checking account information. When I spoke with them today, they said they need my debit card information or they are going to file my paperwork. They call me constantly at work after I have told them to call my cell phone. Because they debited my bank account twice without my permission the second time my student loan payment bounced. These people are very aggressive.
08/02/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 95330
Web
On XX/XX/2022 I wrote Evergreen Services to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling my daughter and son and harassing them. First, they called my daughter, XXXX XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX from XXXX. Immediately afterward, they called my son, XXXX XXXX, XX/XX/2022 at XXXX XXXX XXXX from XXXX. Specifically, they asked my children to let me know that they called her and they have a business-related that they have to discuss with me. I understand that these calls are meant to intimidate, scare, and harass me. I have attached photos of the calls to each of my children as proof of what Evergreen Services is doing.
02/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NH
  • XXXXX
Web
I applied for a payday loan with XXXX ( as it was advertised ) for {$1200.00} back on XX/XX/17 as I was in financial distress. This was done via phone and online. I spoke with a gentleman to complete the process via phone. I was not told of my APR on the phone when applying for this loan, I wish I understood it further as previously I had no issues when borrowing from them before. I have so far paid 14 payments back to date totaling {$4600.00}, I have a total of 20 payments. Upon reviewing this further, I found that this company may not be licensed in the state of New Hampshire to provide loans, if it so is, it's not in compliance with state laws on the max APR and amount allowed to borrow - state of NH states {$500.00} max for the loan amount and no more than 36 % annual interest. My interest rate is 720 %!!! Things like this need to be stopped. They have well enough got their loan amount back and then some.
08/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • IA
  • 52001
Web
I have been working with the company XXXX XXXX XXXX since XX/XX/XXXX and have been making payments to them for help in repaying XXXX XXXX XXXX at a lower cost. On XX/XX/XXXX, a Cease and Desist letter was sent to XXXX XXXX on my behalf. I have attached the communication. After the letter was sent, I would receive emails from XXXX XXXX but no other communication. Around XXXX of XXXX, I started getting nonstop calls from XXXX XXXX requiring I contact them. They have also contacted my workplace, along with friends and family, repeatedly. On Monday, XXXX XXXX XXXX XXXX XXXX sent a Notice of Legal Recourse to XXXX XXXX. As of today, XX/XX/XXXX, I am still receiving multiple phone calls. I am working with XXXX XXXX XXXX to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.
11/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60608
Web
On XX/XX/2019..I was approved for a payday loan from cash aisle loan company which is a tribal loan company based in XXXX XXXX Wisconsin for XXXX..Loan number XXXX ..for XXXX dollars..This is an illegal loan per Illinois state law and the Illinois pay day reform act which states that any payday loan company must be licensed by the Illinois Attorney General to issue payday loans which this company is not..This company charges illegal interest per Illinois state law which states no payday loan company may charge more than 99 percent interest per year and this company charges XXXX percent interest a year which makes this an illegal loan under Illinois state law..To date I have paid XXXX on this illegal XXXX dollar loan under Illinois state law and an uncollectible loan in Illinois courts..I am requested since I have paid XXXX ,XXXX more than the XXXX principal that this loan be considered paid in full
08/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • GA
  • 30019
Web
Per State if Georgia, this loan was done ILLEGALLY. You all did NOT inform me that ANY loans in Georgia are ILLEGAL. I have turned EVERYTHING over to the State of Georgia AND to the Attorney General. The state of Georgia has already sued you all once and will be doing it again. Here is ALL evidence to back my case. Any communication made to me WILL be forward to ALL attorneys involved. This is also a cease and desist order for any communications made. Any attempt made will be additional charges brought up and all phone calls are recorded as well as time/ date stamped. The State of Georgia has also assigned state and federal attorneys to represent me on this. From here on, all communication WILL be done between you, Loan At Last, and the State. No one is exempt and the state will also handle those false claims. A copy of this email has been saved and as well as sent to the Attorney General.
05/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MA
  • 021XX
Web
Saw a payment in my account from Avail Blue. Called and told them I never applied for a loan. They said they had an online agreement that was from me. I asked for the XXXXXXXX XXXX so I can see if it was from my computer. They would not say or give me any other information. They kept saying they had my information. They said I had 2 business days to return the money with no fees after I told them I did not want it. I was instructed to call my bank and have them reverse it. My bank said they could not do that once the money was in the account. I called back asked how I could resolve this and they said by paying the money back with Debit Card. I asked the specific amount. They quoted me the {$400.00} which was exactly what was deposited. I paid and when I checked the withdrawal it was {$400.00}. When I called back to ask about this they put me on hold and was then disconnected.
01/01/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • MD
  • 21740
Web
Lendumo has predatory and unlawful practices. I took out a loan for {$1000.00} on XX/XX/23 due to some financial hardships. To date, I have paid {$2900.00} on a loan of {$1000.00} and but continue to make payments of {$260.00} biweekly due to the outrageous 745 % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company on XX/XX/23 with the following email : " To Whom It May Concern, I am reaching out to resolve my outstanding loan. Lenduomo is not authorized to provide loans in the state of Maryland as it is not licensed by the XXXX XXXX XXXX XXXX, and the interest rate of 745 % exceeds the legal state limit of 33 %. To date, I have paid {$2900.00} on a loan of {$1000.00}, and will consider the loan paid in full. Please confirm receipt of this email and resolution of this matter. '' I have not yet received a response.
04/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 93401
Web
I originally applied for a {$1000.00} loan and was told if the loan is paid off early, the amount paid would be towards the principal verse waiting and paying off the loan in 1 year. When I called to pay off the loan early, I was told I could not pay off the loan due to having a makeup payment. I was told the earliest pay off date would be XX/XX/19 and in the amount of {$1200.00}. I would be paying an additional {$1700.00} until the date of XX/XX/19. When I asked what was paid on the principal, I was told {$150.00}, but to pay off my loan now, they wanted {$1400.00}. I have already paid {$1800.00}, This is fraudulent business practices and I have paid over {$1800.00} and consider this loan paid in full due to their fraudulent practices and California pay loan practices. The emails I have attached to this complaint even show they have used two different loan account numbers.
10/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NE
  • 688XX
Web Servicemember
I received a short-term loan via XXXX for {$1100.00} on or about XX/XX/2020. I have paid two installments on the loan for {$390.00} each, so total paid is {$790.00}. On XX/XX/2020, I called and emailed ( 6 times ) to change my payment method to a different bank. I sent a copy of " old '' payment method blank check and a copy of my " new '' payment method bank statement per XXXX 's request. They replied that they could not read the bank statement, and even though I had stated multiple times that the " old '' account had been closed, they attempted to withdraw the payment from closed account on XX/XX/XXXX. When their debit was returned " closed account '' they automatically charged me an exorbitant amount and now say I owe them {$3900.00}!!! Please intervene as soon as possible. All customer service representatives ignore ( d ) my requests to change payment method.
10/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MS
  • 388XX
Web
On XX/XX/2021 I email the company to revoke my ACH payment for the XXXX XXXX. In the contract it states that I have to call or email 3 or more days before the payment is due. On XXXX XXXX I called at XXXX XXXX. to make a payment from my debit card but to realized that they have already ACH my account already. I informed them that I email them and they told me that they didn't receive any email from me. About XXXX. I received an email from them about revoke the XXXX payment and which I replied to showing where I emailed on XX/XX/XXXX. They still insist that I didn't email them and they I had the wrong email address, but I replied to the email that they the sent me to show where I email them on XX/XX/XXXX. I told them I wanted them to refund me that payment because I followed what the contract said to do and they breached the contract. They have refused to do anything.
03/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 95207
Web
I began XXXX XXXX in XX/XX/XXXX, requesting other payment arrangements. My hours had begun to fluctuate and I wanted to make sure I was at least making some payments to everyone. At first, I tried cutting my payment in half. That was fine with them at first. But every two weeks I would have to call them 4 days before my payment to set up new arrangements. I was given a number to call and was told since my payments were now past due I would be able to qualify for special payment arrangements. I stopped all ACH pulls because I could not afford to have them pull money and my rent check came through my bank at the same time. The ACH pulls were discontinued in XX/XX/XXXX. On XX/XX/XXXX. XXXX, pulled {$540.00} from my account without my authorization. No phone calls letting me know. NO even past due phone calls. They just went into my account and took the funds.
08/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WA
  • 98607
Web
I originally have a personal loan through loanatlast.com. I did a XXXX search to login to the main site and at the top of the page was loanatlast.com.co. I did not catch the. " co '' and therefore clicked on the link. To login it asks for your phone number and social security for password. After I realized that it did not log me in, I was suspicious. So as I was reading more I realized they were impersonating the original loan company and therefore just captured my phone number and social security number. I tried to dig through to get contact information, but nothing they have stated on the main site does not contain legitimate contact information : Contact Information : Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX INFORMATION FOR ISPs : Website : www. Loan At Last Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX
10/09/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NJ
  • 07032
Web
On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially.
01/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CO
  • 80501
Web Servicemember
Due to mechanical problems, I borrowed {$1000.00} to make a down paiement on a car with a payday loan company Amplify funding on XX/XX/20 with an interest charge of 734.73 % and finance charge of {$2200.00}. Payments are due every 2 weeks for {$260.00} starting XX/XX/20 which is not only ridiculous and a rip off. I didn't realize that until after I signed the contract and reviewed it more carefully. The maximum interest rate a bank can charge in Colorado is 36 % and this bank is tribal and not licensed in Colorado. There's no way I can afford those payments on my current income as I have rent, car payment, insurance and other Bill 's to pay. This bank should not be as allowed to be in business and ruins peoples credit. I am already struggling and the last thing I need is to have debt with high interest and payments I can't afford. Thank you, XXXX XXXX
09/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 90815
Web
On XX/XX/XXXX I began receiving texts stating that my payments were due. Originally, I assumed this was a wrong number text since I had not applied for anything through XXXX. But on XX/XX/XXXX I received a text stating that I was past due on a payment and using my maiden name. On the same day I also received a phone call and a voicemail stating that they needed to speak to me urgently about business matter. When I called back the customer service line I was told that I had an account for a payday loan, And my account was past due. Customer service representative stated that the account was linked to a XXXX XXXX checking account and the checking account was no longer active with enough funds in it. I do not have a XXXX XXXX checking account. I called XXXX XXXX and they were unable to find a checking account in my name or with my Social Security number.
09/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 90240
Web
Hello, Today I received a phone call and two emails from a company called " XXXX '' indicating that a {$1300.00} loan had been taken out in my name. I called the company back and I spoke with a person named XXXX XXXX the person who called me was named XXXX XXXX. I asked XXXX to STOP the loan, and any funds transfer, as I have never applied for a loan with this company. XXXX was unable to assist me and said I should file a police report instead. I have never applied for a loan with this company. The Loan Agreement Number is XXXX. This company seems to have my name, email address, and phone number. I never borrowed {$1300.00} and I do not know where this money is going, nor do I understand why XXXX was not willing to STOP the loan from moving forward. Can you please help me with this? Their phone number is ( XXXX ) XXXX. Thank you, XXXX XXXX
05/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • ID
  • 83642
Web Servicemember
I took out a {$450.00} loan. Funds received on XXXX. First payment due XX/XX/XXXX. Too soon. Requested a payment extension but denied. Submitted a Revocation of Voluntary ACH Debits on XX/XX/XXXX. They acknowledged but state agreement says must be within 10 days of due date. This is not fair and was not communicated, only provided in small print of agreement. They also wrote in email " your request will be honored before the following due date ''. XX/XX/XXXX is the following due date but then double speak by stating payment will still come out of my account. I have revoked Voluntary ACH Debits but they are not fully co.mitting to my revocation that is immediate. They have also violated my financial privacy by contacting my employer without my clear authorization. I prefer not to file this complaint but they are not being direct in my rights.
05/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NM
  • 87111
Web
On yesterday morning, Monday, XX/XX/XXXX I foolishly responded to an email from this company that suggested they could get find me a small loan. I agreed to let them search for said loan. I ended up changing my mind halfway during the search after confirming the last XXXX digits of my social security number. They then proceeded to call me over and over again all that day. I wake up on Tuesday, XX/XX/XXXX and their is {$500.00} in my bank account. I go to the website where they force me to make a password and see that they are now planning to take out over {$300.00} a month from my account from XX/XX/XXXX to XX/XX/XXXX. This is insane! I did sign any documents. New Mexico requires you at least digitally enter your name as confirmation. I need help ASAP. This website will not help me. I just want them to cancel this and take their money back!
01/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90028
Web
I Applied Online with a Website that Found a Lender I Could Borrow With, I Was Immediately Approved for an {$1100.00} Loan, However I " Wasn't '' Made Aware While Online Or Even When Someone Reached out To Me Via a phone call Telling Me he Was Calling Me from Lend u mo and Went Over Details of the Loan, and he Sent Me Loan Documents to Sign he said, 'But '' I Was " Never '' Made Aware While Online and During the phone call that " Lend u Mo '' Is a XXXX American XXXX Or that The APR Would be as Exorbitantly High As It Is Also!!!!!! Had I Been Made Aware that the {$1100.00} Loan I Was Approved for Would Result In My Repaying Lend u Mo {$5000.00}, I Would Had " Immediately '' Had Canceled the Loan. I'm Aware that My Credit File Isn't Great Or Even Good " But '' To Be Taken Advantage Of " Because '' Of this Is Wholly Unfair and Deceitful!!!!!
04/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 456XX
Web Older American
On XX/XX/XXXX I applied for a small loan the smallest amount they offered was {$500.00}. The woman called me and I heard her say something about {$2300.00}. I told her I did NOT want to proceed. I was not sure what she said about the {$2300.00} and I said I would have to think about it. When I called back the woman assured me that I would NOT be paying back {$2300.00}. So I proceeded with the loan. As of XX/XX/XXXX payoff amount was {$870.00}. By that time I had already paid {$980.00}. My loan should have already been paid off. Now they're telling me the current balance on my account is {$1300.00} and the payoff is {$950.00}. I live on limited income and can NOT afford this. When I applied online I could NOT find ANY information about interest or that I would be repaying {$2300.00}. Please help me, I don't know anything else to do.
09/05/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 95125
Web Older American
I had a payday loan with Sky Trail Cash and I stopped paying them because of financial stress. Received three calls today with voice mail to my XXXX, Wife and my work number which they stated a warrant will be issued to me re fraud and I was being sued. This information should not have been left on other peoples voice mail not at a work number. the collection company also spoofed the number they were calling from making it look like the were calling from the XXXX XXXX Superior Court. The number that showed up on the telephone was XXXX which is the court. the name of the person Calling was a XXXX XXXX stating he was a court processor for XXXX XXXX. There is no XXXX XXXX?? Scare tactic ... also the voice mail stated to call XXXX x XXXX ... The company that called me is XXXX XXXX regarding a debt from Sky Trail Cash a payday company..
04/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MD
  • 21214
Web Servicemember
On XX/XX/2020 I received an unsolicited email from Loan Company Lendumo. I was advised that the loan that I applied for has been approved and I needed to contact Lendumo. I immediately sent an email advising that I have not and will not apply for any loan with this company. Until this day I have not even heard of this company. On XX/XX/2020 I received a second email from Lendumo advising that for me to cancel this loan ( that I never applied for ) I would have to contact them by telephone to have my application withdrawn. I sent a second email to Lendumo advising for the second time that I have not and will not apply for any loan with this agency. I also requested that they stop contacting me ( at work ). This is an unsolicited transaction and I am filing this complaint to have something done about and to this fly by night agency.
09/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IL
  • 600XX
Web
I have received a loan notification : I did not request or apply for this. company gave me complete run around. Total scam. Congratulations, XXXX! Your loan has been successfully processed! Here 's what you need to know : {$1300.00} will be transferred to your bank account either today or the next business day, depending on cut-off times. Banking institutions have their own policies regulating when transferred funds are released to their customers. To avoid penalty fees, please make sure funds are available in your account when payments are due. Making extra payments toward your principal or paying off your loan early saves you money on interest and lowers the overall cost of your loan. You can make additional payments via your online account or by contacting us at XXXX at least three days before your intended payment date.
03/04/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60446
Web
I have gotten a with Radiant Cash for {$400.00} XX/XX/XXXX. I pay {$47.00} every week. I had miss only one which is back of this loan. I had emailed customer service on a payoff amount. They emailed me back with {$350.00}. I really do n't think my payoff is this amount. I had made close to over {$600.00} to them which they already made a profit on me. The loan goes to XX/XX/XXXX. How can a payoff be this? They claim the high interest. This loan should be less than {$200.00} for a payoff. They are ripping us consumers off. I will never go and get any payday or cash advances again in my entire life. I need you to help me if you can. My loan started XXXX/XXXX/XXXX and that was first payment and the last payment is XXXX XXXX XXXX. Loan Id. XXXX. I want to pay these people off but what they are telling me a what I still owe, no way.
06/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30349
Web
In XXXX I was diagnosed with XXXX. i used up my FMLA and was unable to work. I never had trouble paying the, even though i was paying back three ties the amount given. At the time I called the company and told them about my situation and the fact that I had no income. I have now received social security but it only covers the Cobra insurance so I can receive my treatments. Then COVID 19 came and the lockdown. At the time I owed XXXX dollars, that they could write off but instead of seeing how I had already over payed them, they started to call me frequently. I know they could worked with me better. They prey on desperate people with good intentions. The pay back amount should be illegal. You may say we see the terms, but they also see our income and know the possibility of hardships. I have paid them back thrice the amount.
08/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • ND
  • 586XX
Web
I borrowed {$1200.00} from them on XX/XX/2019. The way I understood it, they would take 3 payments of {$410.00} and then I could call in and pay it off, so that I wouldn't have to pay anymore interest. I called them XX/XX/2019 and asked if they could pay the remainder of the loan at the end of the month, here I find out the remaining balance is right around {$1900.00}!!! I was flabbergasted! I was thinking I probably owed them $ XXXX- {$400.00}, holy XXXX! Was I wrong! I also understood that they were going to take the payment at the end of each month, but they took it twice a month. Which I can't afford, so I've had to pay NSF fees too on top of all of this!! I will never, ever do such a stupid thing in my life again, ever! Wish there was some way to get around paying all this interest! It is crazy and highway robbery!!
09/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33901
Web
So Loan At Last is a XXXX XXXX XXXX basically giving them Sovereign Immunity against State & Federal laws limits on APRs. I took out a {$600.00} loan not realizing they are charging me a 664.67 % APR. Making a {$600.00} loan into a {$3000.00} loan after everything is said and done, I dont understand why these Predatory Loan Companies are allowed to conduct shady, illegal business practices. Just because theyre protected by Sovereign Immunity? Thats ludicrous! Its unethical & immoral to charge such an APR. And they wonder why I cant pay back the loan! And on top of they, they put the loan in collections! They shouldnt be allowed to do that. Nobody will ever be able to pay off a loan at that rate. Loan At Last needs to be held accountable for their atrocious business practices & should be ordered to pay back restitution.
11/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 71118
Web
The payoff amount was too high. The loan of {$1000.00} was funded on XXXX XXXX and the payment was at {$290.00} for 12 installment payment with the first payment on XX/XX/2018. On XX/XX/2018, I request to skip the payment and a settelement was agreed that I have to make a double payment on the last payment ( the 12 payment schedule ). However, On XXXX XXXX, I called Lendgreen to make a payoff of my loan in the total amount of {$1500.00} ( Principal plus Finance fee ) and I tried to request for a lower finance fee since the loan is going to be paid early but It was not turned down and told that the final amount is final. The total amount was debited from my bank account on XX/XX/2018. The finance fee is more than 1/2 of the loan principal and it was only on a period of 1 month and 9 days. ( XX/XX/XXXX-XX/XX/2018 ).
07/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • IL
  • 61108
Web
I received a phone call from a company called XXXX XXXX on XX/XX/XXXX. They stated that due to " bounced checks '' my loan from Availblue which is an XXXX XXXX loan which may be illegal. was getting ready to be sent to the courthouse here in my area for suit. I had sent a letter to Availblue revoking their right to use ACH payments but they still continued to try and take the payments. I called Availblue today XX/XX/XXXX and spoke to someone in Customer Service who said they had received my Revocation Notice but that the account had been turned over to a different collection agency than the one that called me yesterday. I never received any notification in the mail from XXXX or the Collection Agency until I received the phone call yesterday. I would like to know what my rights are in this case. XXXX XXXX
03/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98092
Web Older American
After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received a deposit of {$300.00} on XX/XX/2018, and have had bi-weekly withdrawals totaling {$760.00} debited from my account. Which includes the finance charge of {$45.00} based on Washington State payday loan laws. This results in the amount financed balance of an over payment of {$410.00} When will you refund the overpayment of {$410.00} to me?
01/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CO
  • 80304
Web
I was approved at : XXXX : XXXX A person named " XXXX XXXX '' called me and we went over some details. I was approved ( per 2 emails she sent me from " XXXX '' ), she then asked for me to visit a site to do a 'bank verification '. Afterwards, I signed and agreed to a contract allowing me to pay off the {$500.00} loan whenevr I wanted ( so I could avoid as much interest as possible, I know what I am signing up for with this, but am in a bad spot ). Afterwards she said she would call in 15 minutes with the bank transfer verification, but instead I received a 'Denied '' email. I don't mind getting denied, but I already signed a contract and provided personal information about my bank and paystub. A company like this should have their approval/denial up front, before sensitive information is shared.
07/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48178
Web
I borrowed {$600.00} from Loan at Last with the understanding that I would be making payments of {$280.00} for 3 months. I contacted them to ask them if I could skip a payment and that's when I found out that my loan would not be paid until XX/XX/2020. My caregiver helped me figure out that I would be paying over {$3000.00} in the end, for a loan of {$600.00}. My caregiver is helping me with this complaint, as I have a XXXX XXXX, which she thinks is how this company was able to swindle me into signing up for this loan. I only borrowed the money because I was falling behind on my phone payments. Now I am in even more trouble. I get SSI and I have a job, but the idea that this company will get over {$3000.00} from me because I wanted to borrow {$600.00} does not sound legal to me or my caregiver.
06/02/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 92508
Web
One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.
04/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CT
  • 06604
Web
I had 3 prior loans with the company. I was in the process of applying for A new loan of a higher amount. When asking questions about interest and pay off dates I realized that they may have overcharged me when I paid off the previous loans. I provided the dates the loan amounts and the pay off amounts so that they can help me understand the interest rates. They would not acknowledge my complaint nor would they provide me with documentation when I asked. They charged me 30 % interest when i should have been charged 15-16 % because I paid my loans in 7 and 8 days. 30 % interest is if you pay in 14 days. 30 % of XXXX is XXXX, which is a payment of XXXX in 14days. I paid XXXX for each loan ( 3 total ). I paid in 7/8 days so my payment should have been about XXXX for 2 loans and XXXX for 1 loan.
08/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 334XX
Web
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1000.00}. APR is 654.12 % with a total finance charge of {$2400.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/2018. Most recent payment made was XX/XX/2018 and the last payment is scheduled for XX/XX/2018. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that Amplify Funding can legally still collect in Florida since they are governed by a Tribal Lending Authority in another state. Loan agreement is attached.
01/14/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 34746
Web
I have had a loan with greenline loans since 2023. I have had two loans which were paid off successfully. I currently have a loan which was taken out XX/XX/XXXX for {$400.00} the payments were originally {$120.00}. I had called to make arrangements because of my hardship. I made a total of 5 payments towards this loan totaling to {$200.00}. I am on a fixed income barely making and I have other expenses to cover such as utilities other bills and rent cover. And I am struggling to make ends meet. I did move the payment to XX/XX/XXXX for {$30.00} on that day I have other bills scheduled to draft. I am on a fixed income barely making it and I am struggling to make ends meet. I would like to considered what I have paid towards this loan and close the account and consider it paid in full.
07/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92071
Web
I was overcharged for an installment loan and when I asked to pay my entire balance off, XXXX XXXX. ( via XXXX XXXX email address at loan at last ) said, Your pay off balance as of Friday, XX/XX/XXXX is {$490.00}. I scheduled the payment. The payment posted. Then I get another email saying I owe $ XXXX more for a delinquent payment that I missed in XX/XX/XXXX, which they apparently partitioned from my main loan amount giving me two separate debts stemming from the same loan. I asked to pay off my debt. And I did. At this point I dont trust the totals XXXX XXXX XXXX is giving me. Fool me once ... Given the fact the initial loan was for {$300.00} and that XXXX said my pay off balance, meaning everything that I owe, was {$490.00}, I feel Ive paid more than enough in interest and fees.
08/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 334XX
Web
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that XXXX XXXX can legally still collect in Florida since they are governed by a Tribal Lending Authority in another state. Loan agreement is attached.
05/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 335XX
Web
This company never disclose the fees/interest rates to me. I have try to reach out to them several times and finally was able to speak to someone and I ask for a supervisor to see what can they do after they already took {$530.00} from my account they want an extra {$530.00} if I pay today XX/XX/XXXX The loan was {$500.00} open on XX/XX/XXXX 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. 783.46 % {$2100.00} a total of {$2600.00} I explain my hardship and ask if they could reduce that predatory fees and they told me know and cant assist me. I need help! I'm a teacher and don't make enough money.
07/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CO
  • 80501
Web
The original loan was for {$650.00}. I was paying 646 % interest on the loan. This loan was taken out on the XXXX of XXXX. They were taking {$180.00} out of my paychecks twice a month for three months. I looked at the loan to see when it would be paid off and found out that it wouldnt be paid off untilXX/XX/2020. I called the loan company on XX/XX/XXXX to see if I could reduce my payments and they refinanced the loan at a rate of 285 % interest and are now taking out payments of {$77.00} twice a month. This loan is scheduled to be paid off in XX/XX/2020. Every time I have called for a payoff amount, the amount is greater than the original loan. Both times Ive called for payoff, the amount has been {$750.00}. Ive paid over {$1000.00} on the loan, how can the payoff go up?
02/15/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 75214
Web
On XX/XX/19 the collection agency ( XXXX XXXX XXXX PH : XXXX ) contacted both of my daughters and the general manager at my place of employment XXXX XXXX who is in senior management at my place of employment contacted me to tell me he received a call. This puts my job in jeopardy and is extremely embarrassing. I contacted the collection agency on XX/XX/19 and talked to XXXX. He told me the original company was filing a judgement againast me for {$2200.00}. However, if I paid {$510.00} that it would be free. They refused to send anything in writing first. I was transferred to someone else and was told they do not send anything in writing but I would get a payoff after payment was made. I do not believe this. THEY NEED TO QUIT CALLING MY FAMILY AND MY PLACE OF EMPLOYMENT.
01/04/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 90043
Web
I received a loan from Lendumo. The interest rate was not made clear to me and far exceeds the legal limit in my state of XXXX. They operate under the premise that they dont have to follow XXXX law because they operate under federal/tribal law. However, Lendumo, XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not licensed to do business in XXXX. Tribal Law does not supersede the need to have a lending license in the state in which you are lending. I have confirmed this information with the XXXX Department of Financial Protection and XXXX as well as the Federal Trade Commission. I have also confirmed they are not licensed in XXXX. They are refusing to let me talk to someone in their legal department, and are trying to uphold this obnoxious debt.
07/07/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33033
Web Older American
I got a high interest loan for XXXX from XXXX/Amplify after I already paid them XXXX I got sick on the on a virus called them to explain that I'm a XXXX XXXX XXXX low income retired unable to continue the XXXX biweekly payments they were taking from my bank account, but the Representative were agressive indicating me that I'm in collection by the above Company, I need help on this matter because I really can't afford those payments, I need to know if is legal to overcharge a person in this way. XXXX is located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX, phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate your attentions and all help you can help me on this regard. Thanks for your time. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Fl XXXX my SS # XXXX XXXX XXXX
06/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 01085
Web
I applied for a loan and did not see the terms when I applied and signed electronically and did not realize the company was a predatory lender. I borrowed {$1500.00} and when they continued to withdraw money to the amount of {$2600.00}, far beyond what I had borrowed, I called the company and was told the interest is 730 % and the interest on the loan is {$6500.00} and still owed {$5300.00}. I thought this kind of predatory lending was against the law. After finally receiving the terms it states the lender is a XXXX XXXX and doesn't have to adhere to Federal laws. I can't imagine it is legal for XXXX XXXX to do this. What is my recourse? The Date of the loan : XX/XX/23 Applied for loan Loan amount : {$1500.00} Interest rate : 730 % Total Interest : {$6500.00}
02/19/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30281
Web
I accepted a loan from AvailBlue for {$350.00}. I was told when they would drafting the first payment, amounts etc. Prior to accepting the loan I spoke with the Agent and asked him about early pay off. He told me I could in fact pay the loan off early and just paying a small amount above the {$350.00}. I called today to make sure and the woman told me I was given incorrect information. She even verified that she knew they gave people misleading information but you are still stuck with paying this loan. I am paying almost {$1000.00} for a {$350.00} loan that I got barely three months ago!! I told them had I known that I would not have accepted the loan which is why I asked before accepting. I was told something totally different it seems just to get me to accept.
10/18/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91406
Web
XX/XX/19 @ XXXX XXXX : Was called by " Lendgreen '' rep XXXX in a demanding manner, asking my whereabouts to location. I explained that this was d/c in a BK case and rep rudely interrupted and sarcastically said he was surprised they never got the information. He tried to verify my address with an address he had on file and I declined to answer. Call lasted one minute XX/XX/19 @ XXXX XXXX : Called XXXX & attempted to speak with same rep & next rep refused to provide name & attempted to verify last 4 of social. I declined to state last 4 of SS & advised they needed to stop calling. Rep rudely demanded I tell him my last 4 otherwise he would be unable to make any changes into the account. I again politely asked for them to stop calling. Call lasted one minute.
01/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 28215
Web
I applied for a {$500.00} loan on XX/XX/XXXX. My payments started on XX/XX/XXXX, I paid {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX, {$130.00}. I skipped the next payment. I paid another payment on XX/XX/XXXX, and my last payment was on XX/XX/XXXX. I paid a total of {$910.00}. Every now and then I would call and check my balance which seem not to be decreasing at all.. Loan at last has been reaching out and I told them I was not going to pay anymore money. They offered me a settlement for {$470.00} and I could pay {$150.00} in installments and the account would be closed. I fell as though they have gotten their {$500.00} back already. This has put me behind on my bills and now I am trying to play catch up.
10/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MA
  • 010XX
Web
I applied for a payday loan through XXXX. I received an approval from XXXX XXXX XXXX. I answered questions and then received the contract. I signed everything, but then I was asked for my bank statement and pays stub. Reluctantly, I supplied. I questioned it because I was already approved. I simply requested {$500.00} for one week. I was told all the details before submitted the requested documents. After submitting, I was unable to contact them after several attempts. Then I received an email that I was denied. I would not have followed through with any documentation had I know I would be denied. This all seems super, very suspicious to me. They now have my banking information and a signed contract permitting deduction of the loan from my account.
12/19/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • SC
  • 291XX
Web
I have a debt that is owed to Availblue loans, which is currently under dispute. This company notified my on XXXX that my account had been removed from revenue reporting services. I am disputing that availblue had the right to lend to me because they are not a legal lender in south carolina. They emailed me back stating that south carolina law did not apply to them and they would continue to collect on the loan. They gave an address to mail a formal dispute letter which I have done as of the end of XXXX. I have not gotten a response but I did receive a call from XXXX XXXX XXXX at my workplace today. I have previously been told by XXXX XXXX that they had a cease and desist order on my account, and by availablue that they had retracted my account.
02/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28262
Web
I took out a XXXX payday loan around XX/XX/2020. Unbeknownst to me, they are charging me 700 % interest every other week. ACH payments of payments XXXX are being deducted from my bank account. I read complaints from XXXX and other consumers are going through the same. Also the company is not willing to work out a solution because they are under some tribal immunity from adhering from our state laws regulating caps on percentages. Well I feel like if I am not a member or governed under their reservation of laws then this loan should be illegal. I am willing to pay the principal back on top of the XXXX they have already taken out. I wish the government would step in stop this form of practice that the Indian tribal reservations have set up.
11/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MT
  • 597XX
Web Older American
I needed money for license plates and tires so a first i tried to borrow {$1500.00} but cpouldnt affor {$300.00} a month payments so i went with borrowing {$500.00} with an interest rate of 243 % i later found that you cant loan over 36 % in Montana. Also that payday loans are illegal here. The man on the other of the phone said it was 7 %. I have tried to call with no answers. This was msupposed to be a monthly loan or i would have noticed XXXX payments instead of XXXX in the installment page online. they made no mention of payday loan but the AG office said that is what i have gotten into. I needed the money and they took advantage of that and totally decieved me through the whole process. am taking steps with the AG here in Montana
09/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98092
Web
Dear Lender, After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am not willing to repay the principal balance of this loan, I received a deposit of {$750.00} on XX/XX/2018. The amount on the loan agreement is incorrect. It has the amount of the loan as $ XXXX.Which is not what was deposited into my XXXX XXXX XXXX XXXX account . falsifying a document is a crime punishable as a felony.
05/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 35010
Web
I had to switch banks when my oringal account was hacked, which I informed them of. I told at least 6 diffrent agents that once I was able to open a new account I would forward on the new account infromation. I have also asked for a new contract stating the payment scheulde and on what day the money will be taken out of the account. They have refused to email or mail me anything to sign. Instead they just call my place of work and home phone severl times a day. I have no issue paying the loan off, I simply want something in writting to keep them from going into my account whenever they chosse to take out whatever amount they feel like. I have asked over and over again for new agreement in witting, which they are refusing to give me.
01/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MA
  • 017XX
Web
I had a few lenders you had helped me get off my back harrassing me after I found out its illegal to give a payday loan onlime in massachusettes. Esp at the intrest rates given me at 817 apr! I have XXXX final lender I need to report abd ask for a charge off. This is the last one. I had someone hack into my bank acct before XXXX and I had to close the acct and open another at td bank. So lendgreen at this point is unable to take payments but I can not afford the apr at this rate and being its illegal to loan online in mass they should of never advertised in my email in the firat place. This was the last of a string of bad decisions. If this will go away will be a releif for me and let me pay my other obligations with creditors.
08/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 070XX
Web
Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. I believe these lenders should be prohibited from lending in all states including NJ. They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,
08/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the 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 {$700.00} from XXXX XXXX on XX/XX/2018. I have since repaid {$830.00}. My balance remaining is still somewhere around {$700.00} according to a XXXX XXXX employee that I spoke with on XX/XX/2018. On the website, when I try to load my loan agreement, it said " PDF failed to load '' so I am unable to view the terms of my loan. I was unaware that the loan would have such a high return ( paying over {$1500.00} for a {$700.00} loan. ) I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments.
11/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33617
Web
I received alerts from XXXX and XXXX of a new tradeline appearing as Collection on my reports. The account shows opened XX/XX/2020. The company reporting is XXXX. I've never received any information or heard of this company before. I've never, ever done business with them. I found the company online, however, no assistance for correction. I have no account number, no date of account transactions, nothing! It shows opened on my reports in the amount of {$1.00}, XXXX on XX/XX/2020. Nothing else. I had no account number to give them. They don't have my social security number or full name, this just appeared on my credit reports and no one seems to know why. This is very frustrating and needs to be removed immediately!
07/29/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 92801
Web
On XX/XX/2022 I wrote Bridge Lending Solutions to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling a friend of mine and harassing her. Her name is XXXX XXXX and she was contacted by Bridge Lending Solutions around XXXX XXXX PST on XX/XX/2022. Specifically, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. They left her a voicemail and called her twice back to back.
08/02/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 78744
Web
On XX/XX/2022 I wrote Evergreen Services to request that they stop communications and collection efforts unless to inform me that a specific action is to take place. Instead, they have email after email, called repeatedly, and each message sounds exactly the same : " We have an important business matter to discuss ... '' Now, even after I sent a XXXX XXXX XXXX to Contact Third Parties they are calling my mother and harassing her. My mother was first contacted by Evergreen Services at XXXXXXXX XXXX XXXX on XX/XX/2022. Specifically, when she answered the phone, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. Evergreen Services called from XXXX.
08/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 070XX
Web
Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. I believe these lenders should be prohibited from lending in all states including NJ. They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,
11/05/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CO
  • 809XX
Web
I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. Thank You
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85345
Web
I understand outrageous fee and interest these companies charge. Here 's my issue. Around 3 months ago XXXX borrowed {$600.00}. Fee. 700 % This is often a last resort for struggling individuals. I pay {$88.00} per week. Yes. Per week. 3 months on a {$600.00} loan. Asked payoff thinking balance has gone down. I would pay {$720.00} ... no payments have affected my balance..my end date if I pay per week will be XX/XX/2019. For a {$600.00} loan. Yes I know the interest charges. They say, well YOU AGREED But to owe more after paying over {$1000.00} so far. They should be ashamed. I know I am because I had no other choice. I'm embarrassed but desperate times make people ( me ) make bad financial decisions. Awful.
05/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55126
Web Older American
Four months ago I took out a payday loan for {$500.00} from Amplify XXXX. I have paid {$170.00} every month until I asked a loan officer and was told I was paying 400 % interest on the loan. I was not told this when I was approved over the phone after applying online. I have contacted the Minnesota Attorney Generals Office and the Minnesota Department of Commerce who besides their investigation, recommended that I contact you as well. I want my loan dismissed and my money I made payments be returned. The are apparanty owned by a XXXX XXXX XXXX XXXX..they are NOT licensed to give loans in the state of Minnesota. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Minnesota XXXX I received no loan documents
10/05/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 98023
Web
I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable.
09/30/2016 No
  • Payday loan
  • Received a loan I didn't apply for
  • MN
  • 554XX
Web
I received XXXX dollars into my account to a payday loan from XXXX that I did n't apply for and did n't approve. I went out of town on the XX/XX/XXXX, returned on the XXXX and was going through my account. I had a XXXX dollar deposit into my account on the XX/XX/XXXX. I had contacted XXXX on the XX/XX/XXXX to check. They said it was filed. I reached back out on the XX/XX/XXXX with no resolution. Turns out XXXX never had filed the complaint. I called XXXX and they said that they had gotten confirmation from my current employer, XXXX XXXX, which is not my current employer. They suggest I reach out to XXXX again to file an XXXX to decline the XXXX deposit. I have filed paper work to get things reversed.
04/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 440XX
Web
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to establish a " pay day '' cash advance loan with XXXX XXXX without his consent. A formal dispute of this loan with a police report and FTC affidavit was provided to Amplify XX/XX/2018. On XX/XX/2018 at XXXX XXXX EDT my client received an email notification from XXXX requesting payment be made on this fraudulent account. This communication of payment by XXXX is a violation of two federal consumer laws. XXXX is in violation of the FCRA and the FDCPA by continuing to attempt to collect payment on a known fraudulent debt after receiving all documents required under law to conduct a full investigation of known fraud.
08/02/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MS
  • 394XX
Web Servicemember
XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
08/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • CA
  • 94116
Web
I searched Loan on the XXXX XXXX and I found XXXX. Its odd how when I researched XXXX, it did not pop up. Thats when I knew the app is a scam. Along with the information it had asked me ; employment, bank information, social, date of birth, email & password I knew it was a scam. Ive also received a bunch of emails from different lenders stating that I got approved for a certain amount and from closely reading the document if I were to borrow {$1200.00} through Loan At Last, the interest rate is 664.83 %!!! Thats ridiculous!!! Sadly, Ive read the reviews after I had applied with Loan At Last/XXXX and they mentioned the same exact thing. Please help me protect my identity and information!
07/29/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MN
  • 55304
Web Older American
I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept.
08/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KY
  • 42301
Web
I tried to pay them but they rejected my payments saying I had insufficient funds, however, I have documentation that I had nearly twice the funds available in my account. They did this on two occasions, charging me {$30.00} fees and refusing to refund those fees. If theyre doing this to me theyre doing it to many people. On one occasion I attempted to pay {$1400.00} with {$3300.00} in my account, and on the second occasion I attempted to pay {$240.00} with over {$9000.00} in my account. I didnt have insufficient funds, but they did it to charge me extra fees. I took the loan out XX/XX/23 and made the first {$1400.00} payment XX/XX/23 and paid in full by XX/XX/23.
11/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28216
Web
In XX/XX/XXXX I took out a {$600.00} loan with Lakeshore Loans. I understood when we spoke on the phone that my monthly payments would be {$160.00} and that I would need to pay them on my pay day every month. Well I have now paid off this loan and then some and they are still saying that I owe them {$1000.00}!! So I have paid them over {$600.00} and yet my balance right now is MORE than the amount I borrowed!? I have looked and looked in my online files and I can not find my interest rate or terms, which means I never received a truth in lending document at all. Something shady is going on for me to own them this much after I have already paid back this loan.
12/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34758
Web Servicemember
The company is charging an excess of 600 % APR for {$400.00}. I now owe over {$600.00}. As such, I am unable to pay of the loan. I have notified the company of the Florida statutes. They alluded to Federal law, but they could not cite the statutes that show that the loan is not able to addressed under the Florida courts. They have sent me misleading information, which was revealed to be half-truths when I read the CFR and XXXX regulating the matter. I believe that legal error happened and that they are attempting to take advantage of a permanently and total XXXX veteran on a fixed income. As such, I am requesting that CFPB and FTC investigate this matter.
10/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 75035
Web
I have tried to contact them several times. They keep telling me that to cancel my loan application I will need personal information which I will not give them. I never contacted or applied in the first place. I keep receiving your payment is due emails but they are deceitful as they want me to complete the loan app online to receive the loan so that I can make a payment. " Just in case you needed a little reminder, XXXX. Your next loan payment of XXXX is due on XX/XX/2019. To avoid any additional fees, please make sure the funds are available in your account. If you have any questions, please contact Customer Service. View Payment Schedule ''
08/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20748
Web Older American
Amount of Loan : {$1200.00} Date of Loan : XX/XX/XXXX to XX/XX/XXXX Interest rate : 690.00 % Complaint : the interest rate is too high. Isn't there a law about how much a consumer can be charged for interest on a loan. Payments : {$320.00} bi-weekly On Wednesday XX/XX/XXXX at XXXX XXXX, I talked with XXXX at the following phone # : XXXX. She could not help with securing me with a lower interest rate, even though I told her that the present interest rate is against the law. What I would like CFPB to do for me : GET ME A LOWER INTEREST RATE, please. Address of Lender : Niizhwaaswi , LLC d/b/a Loan at Last ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WIXXXX
11/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NC
  • 28314
Web
On XX/XX/2019 a loan was processed in the amount of {$1200.00}. The APR was 437.08 % finance charge in the amount of {$3700.00}. The total amount owing was {$4900.00}. The installments were {$410.00} each month beginning on XX/XX/19.I was struggling with my payments each month because half of my finances went toward paying on my debt each month. Therefore, I contacted the lender in hopes that we could renegotiate the contract so that perhaps I may get a reasonable installment plan that I could make good on, but they would not consider adjusting my payments. They informed me that the contract could not be changed and it stands such as it is.
11/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IN
  • 46902
Web
On XX/XX/XXXX, I applied for a payday loan through amplify funding. After I was approved for the loan, I realized that they were not licensed to do business in Indiana, and that they are breaking the Indiana law as it pertains to payday loans. The first one is that they are only allowed to lend out up to 500 dollars. They lent me XXXX dollars. The other law they broke was the interest rate. State law sets the maximum interest rate at 390 %. Amplify is charging me an interest rate of 768.3 %. Amplify funding is expecting over 500 dollars a month which I can not afford. I have already paid {$560.00} and my principle is still at {$900.00}.
08/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TN
  • 37643
Web Servicemember
I would like to clarify that I did not receive a loan, but was approved for a loan. After reviewing the terms, I called to cancel and withdraw my loan application. I was called repeatedly by XXXX XXXX as well as her Supervisor, XXXX demanding I explain to them why I was not interested. I repeatedly requested that my application be canceled. I do not have to provide a reason for doing so. The pressure sales tactics of this company are criminal. Once an applicant calls and identifies that they no longer wish to proceed that should be the end of the conversation. Please investigate the aggressive sales tactics of this loan company.
02/06/2017 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • AL
  • 363XX
Web
I lost my job in XXXX. I paid XXXX and XXXX and the first payment for XXXX but was unable to pay the second installment for XXXX. I received an email notice of the missed payment on XXXX, which I responded to and received a very cordial response. The day after the email conversation, the phone calls began, up to XXXX calls a day. I have tno is explaining to them even sending a second email stating that I would pay no later than XXXX XXXX, as I have gotten another job with a start date of XXXX/XXXX/17. I finally sent a Cease and Desist email XXXX and another on XXXX after the calls continued. The calls have began this morning again.
09/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KS
  • 67218
Web
I got a loan for {$300.00} on XX/XX/XXXX. I have made 4 payments of XXXX and my balance is more than what I borrowed. I ask how is this morally or legally ok. I was told the first 5 payments go to nothing and yet Im still getting charged interest even though Im making payments on a loan but the pretending like Im not. I was told on XX/XX/XXXX. Going through this manner to borrow money, I understood there would be some interest however this just feels like being railroaded and taking advantage of. A company being very greedy and callous to a person already having a hardship. Is there anything that can be done? Thank you.
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 {$800.00} via online by Amplify Funding. 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 778.88 % - a significantly higher interest rate
07/27/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MA
  • 026XX
Web
XXXX keeps calling my phone to collect money that I owe then I have told them I do not have a job right now and they need to wait until I get a job so I can make payments again I understand its my responsibility to make the payments but I am jobless so I cant when I call them to let them know I can make the payments as soon as I can they ask me personal questions like well how are you getting by how are you getting money to pay bills like that is none of their business I received a loan for {$700.00} on XX/XX/20 right now I owe them about XXXX I would like them to stop making rude phone calls and stop harassing me
11/04/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 32327
Web
On XX/XX/2021 One of XXXX XXXX XXXX 's " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.
10/04/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 95330
Web
On XX/XX/2022, I sent a Revocation of Authority to Contact Third Parties, informing Bridge Lending Solutions that I am revoking their right to contact third parties related to me. One of their representatives, XXXX, contacted my son, XXXX, by phone call on XX/XX/2022 at XXXXXXXX XXXX PST. The phone number used to contact my workplace was XXXX ( XXXX ) XXXX. I understand that these type of calls are meant to intimidate and harass me, and I would like for Bridge Lending Solutions to respect my privacy. The lender did not identify themselves, but I recognized the phone number in the screenshot that my son sent me.
09/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • XXXXX
Web
I received the loan in my bank account on XX/XX/19 and paid it in full on XX/XX/19. The took a payment of {$260.00} on XX/XX/19. None of this payment went towards the principal. They do not explain their loans with transparency. When you log into your account online there is no information about your loan, balance or payoff. I borrowed {$1000.00} and in 3 weeks I paid it off. It cost me {$1300.00} to pay it off. Yes. You read it right. In 3 weeks they said {$380.00} had accrued in interest charges. They said I would receive a paid in full letter via email immediately after my payment. I never received it.
08/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90007
Web
I borrowed {$500.00} from this loan company now they don't took out three payments of {$180.00} my payment should have been over with I didn't pay back a {$540.00} already but be nice to my knowledge I still a little balance of XXXX XXXX payoff amount is {$470.00} call to speak to someone about it only thing they was telling me well you signed the contract that's all I got out of them but they forgot to tell me about the interest loan the interest part of the loan my payments going to interest only it's not going to the loan it's going only to entrance they charging you for interest that's all they doing
10/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 38116
Web
I took out this loan a couple weeks ago with every intention of paying them. I was recently in an automobile accident and my car was totaled causing me to have to get another vehicle. Well my insurance left me with a large balance to payoff my wrecked vehicle so I spoke with a bankruptcy attorney and decided to file a chapter XXXX I was advised to send a letter revoking ACH on my loans that I have since I will be required by the court to file all debts. I contacted bridge lending solutions and they are saying they are going to take my first payment even with me filing the bankruptcy and revoking the ACH
07/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90007
Web
At XXXX XXXX PST a " collector '' reached out from a XXXX XXXX XXXX XXXX number ( which is probably an automated number ) and said he was with a Lend Green and they are a debt collector. This was obviously a lie because Lendgreen is a high-interest predatory lender and not a debt collector. He then said I had a loan and made four payments on a loan I have NEVER had with a company I have NEVER done business with. Then he hung up on me. He tried to verify some info on the phone which was outdated or incomplete personal info. He must have obtained my info from other debts and/or faulty security practices.
11/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AZ
  • 85340
Web Servicemember
I took out a loan through XXXX. I received the money. I was struggling financially and could no longer afford the payments on other payday loans I also had taken out. I reached out to a debt relief agency. A Cease and Assist order along with PoA was sent to the company on my behalf from the debt relief agency. Since doing so, I have been receiving 5-10 calls per day from XXXX. I refer them back to the debt relief agency, but still receive multiple calls. It is becoming harassment at this point. I have attached the document specifically telling the company that they are no longer to contact me directly.
03/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 34744
Web
I applied for and obtained a payday loan from skytrail cash. The amount of fees are well over the state of Floridas allowed interest for a payday loan and I have been taken advantage of. I have received multiple calls from them at my place of employment and advised they can not call but they continue to call. In addition I have received a threatening email that they will debit my checking account knowing full well ach has been revoked and I am not allowing them to debit my account and put it into the negative. I have more than paid for this loan with the amount of fees that I have been charged.
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • IN
  • 46237
Web
Ive been working with a company called XXXX XXXX help, which a debt settlement company. Ive been working with them to consolidate my payday loan debt. They contacted Bridge Le dong Solutions as this is one of my lenders. They let them know that I was working with them and that any communication needed to go through them. The problem is, that they continue to call me, send me letters and have been contact my family. I contacted XXXX XXXX about this and they stated they have reached out to Bridge Lending Solutions and they agreed to settle my debt. They recommended for me to file this complaint.
04/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IN
  • 464XX
Web
So I took a loan out and have been making payments for XXXX dollars every payday. I have made XXXX payments. Today is XX/XX/XXXX my next payment is due in the XXXX when I get paid. Today I tried to pay off my loan and they said they are already processing the XXXX payment so I can not do that. The lady then states that I would of had to call by the XXXX. I'm like yes I did today I'm calling and she said she is still going to charge my XXXX then get me a payoff amount. Why do I need to make a payment before it's due before paying off? Also I was told on the phone I could call today the XXXX.
01/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 349XX
Web
I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.
03/28/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • KY
  • 402XX
Web
I recieved a reminder for a payment and informed them that it was an incorrect date. I also asked for an extension on the payment due to not being able to pay on the date. I have worked with this company before and an extension was not an issue. This person stating that it wouldn't be able to be extended even after I explained it would cause a charge. They refused to assist and stated that they would still process the payment. They then stated after it didnt go through they would contact me. On the reminder email it says call if there is a concern paying and they still refused to assist.
01/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • WA
  • 98223
Web
On XXXX XXXX, 2022, there was an attempt to take money from my bank account via ACH for a loan payment to Lendumo db for the amount of {$310.00}. The payment was returned as NSF. I did not take any loan from this company. In doing my research, I discovered this was a payday loan company. I did not ever sign any sort of loan documents, did not ever request a payday loan from this company, did not receive any loan proceeds from this company. Now they keep attempting to collect money from me. They call me, send me harrassing emails, etc. I have also filed a police report on this fraud.
12/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 290XX
Web
The transaction, in the amount of {$500.00} occurred on Friday XX/XX/2022. I was not told by the Lendumo Representative, XXXX that the payments in the amount of {$160.00} would be drafted from my checking account biweekly. Twice each month. I have used the {$500.00} I borrowed to make 1 payment already in the amount of {$200.00} drafted from my account today XX/XX/2022. The next payment is due XX/XX/2022. I'm saving that amount to make this payment and 3 payments are outstanding. How could this process be a help to the working class? I pray noone else gets caught in this criminal scam.
09/06/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OH
  • 44121
Web
I supplied a cease and decease letter to XXXX of the Skytrail customer service after numerous contact with the company informing them I would be off work due to injury. They continued to contact me after the notice via phone, text, emails and numerous voicemails at my employment. The calls have started as of XX/XX/2018 3-4 times a day, the cease and decease letter was email to the company on XX/XX/18 and I received and email from the company acknowledging receipt and they also stated they would continue collection calls on XX/XX/18. Today XX/XX/18 I have received 2 more calls.
05/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 79720
Web
I borrowed money from XXXX XXXX XXXX several times. Always I have paid my loan faithfully and diligently. I even pay extra each payment to try to pay down the principal sooner. This time I a struggling to make the payments due to loss of income. I reached out to them but because I have not defaulted they would not offer me any assistance with this. They said because I have paid my payments they can't help unless I have a returned payment. This seems contrary to what any reputable agency would advise. Why not help someone when they are trying to not default or cause an issue.
02/01/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OK
  • 74011
Web
I got a loan to help a friend in need quickly for {$300.00} and I'm XXXX, XXXX, on XXXX income only and was surprised I was approved but they have continued to withdraw now another payment and to this date I have paid nearly {$2000.00} on a small {$300.00} loan which I never believed it would be that much and I'm shocked ... I've reached out and phoned, but no return call. I did get a copy finally but I am thinking this is excessive and taking advantage of a mentally and physically XXXX person. I feel they need to halt but they don't return my calls or emails Please help me!
01/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AK
  • 99504
Web
I received XXXX On XX/XX/XXXX. There were no terms sent to me stating it was a 600 % apr. I made a payment of XXXX on XX/XX/XXXX. I called to payoff in full on XX/XX/XXXX and was told I owed XXXX I set up to pay that amount and its still in my account XX/XX/XXXX. Even though I was scammed. They never disclosed the payback amount until I signed the agreement. And why is it still in my account? They need to be stopped. Shut down. I cant afford to pay that back but had to borrow because if the interest kept on it wouldve been XXXX to pay back and now I dont have rent money.
09/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • NH
  • 030XX
Web
I subscribe to Identity Force protection services and received an alert that there was a new short term loan inquiry from Lender Name : XXXX XXXX XXXX Lender Phone : XXXX Date Of Activity : XX/XX/2023 XXXXXXXX XXXX Loan Type : Payday Loan Last 4 SSN : XXXX Alert Type : New Short Term Loan Inquiry Address 1 : XXXX XXXX XXXX Address 2 : LenderAddress2 City : XXXX XXXX XXXX Zip : XXXX State : WI I did not apply for a payday loan and I have never heard of this company. We called them and asked how they received my information and they told us I didn't exist in their system.
03/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 768XX
Web
I had asked to have my auto ach stopped and was told i had to call the company. I called the company then was told it was too late to stop and i had to call back after the next payment posted. I called back but when you choose the option to speak about the account it always says 2 minute hold time then in two minutes a recording tells you that you will be called back. I finally got an email reply to a request i made saying i no longer authorize them to debit my account and they again replied and said i had to speak to a XXXX XXXX agent before my request would be honored.
02/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CT
  • 068XX
Web
On XX/XX/2017 I took an {$800.00} loan out from XXXX XXXX XXXX XXXX. The percentage rate they charged was XXXX % for the 1st loan and XXXX % for the 2nd loan On XX/XX/2017 I took a {$1500.00} loan out from the same company. Ultimately the {$800.00} loan cost me {$1800.00} and the {$1500.00} loan cost me {$8100.00}. After doing some investigation, I discovered that payday were were illegal in the state of CT and loans were capped at 12 %. In addition, lawmakers were going after the tribal loan company for their practices. XXXX XXXX XXXX XXXX is not registered in CT.
08/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 019XX
Web
On XX/XX/2019 applied for a loan. After receiving the stipulations for the loan via email I sent a message stating I know longer wanted the loan approximately 1 hour after. I called them and sent multiple emails requesting not to put the loan in my account. Spoke with someone on the line they took all the information. On XX/XX/XXXX the loan was put in my account. OnXX/XX/XXXXI have tried numerous times to send this money back. I had 24 hours to cancel loan the message came in at XXXX XXXX XX/XX/XXXX I responded at XXXX XX/XX/XXXX I didn't want this loan and to cancel
08/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60540
Web Servicemember
I have applied for a loan of {$1000.00} dollars and I did not sign loan agreement from this predatory company. After researching XXXX I see that many people have been duped. I wouldve ended up paying {$5600.00} after interest payments. I will now monitor my credit cards and banks to see if they are going to go ahead and process their scam. In a time of need when many people are struggling we dont need people like this. I have used CFPB once before and along with the DOJ we successfully sued XXXX XXXX for the CRSC violations. Quite simply XXXX needs to be shut down
03/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 33027
Web
Beginning on XX/XX/2019, I have received multiple emails from XXXX stating that I had been approved for a loan through their company. However, I never applied for a loan at any time and I am concerned that my personal information has been compromised. I attempted to contact the company to request that they investigate this matter. When I finally got through, the representative requested that I provide my date of birth and social security number before they would assist me. I feel that this was a further attempt on their part to obtain personal information from me.
01/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 349XX
Web
I was born XXXX and XXXX of my family members from the XXXX are here with me after the hurricane aftermath ( Hurricane Dorian XX/XX/2019 ) .They lost everything and unfortunately there is still no power, water, or basic essentials available at this time for them to live in the XXXX . The recovery process is slow moving at this time. I am the only person in the house that's working. Even though they are great it is completely out of my budget and costly to help them in their time of need so I am asking for a resolution of loan forgiveness and to clear the debt.
08/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 334XX
Web
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments were being debited from my XXXX XXXX checking account via ACH, but I have recently sent XXXX XXXX written notice that I have revoked authorization for ACH debits.
07/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 94601
Web
I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.
10/11/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OK
  • 73159
Web
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
07/29/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MN
  • 55304
Web Older American
I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept.
09/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • AZ
  • 85338
Web
I called in to request the total amount that I owed the company. I was told that they could not give me the total amount that I owe because I have a payment scheduled for XX/XX/XXXX. I also wanted to revoke the ACH payment authorization, but they said that I could not do that because of the scheduled payment on XX/XX/XXXX. It makes NO sense to me that the company can't tell me how much I owe them as of today, XX/XX/XXXX. I then sent an email to the customer service department and they too responded by saying that they could not give me the balance due.
03/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 61554
Web
They said they wouldn't charge more than35.9 percentage and they are charging 399.564 percent. Plus when they quoted the amount it was made like they would adjust that amount because of what was in there written contract. They did not honor there word and I believe they false advertised. I have paid XXXX in 7 months for a XXXX dollar loan. Payments of XXXX and some change. And because they have me recordered as saying that I would make those payments I am not honoring my word. I feel like I have been lied and decieved and honoring word is a two way street
01/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33013
Web Older American
In XX/XX/2022 i make One loan online for $ XXXXwas deposit a my account, my XXXX was recibe status payment for the Mony was deposite inXXXX, XXXX my loan was for {$500.00}, i begain make payment payment every two weeks for {$170.00} today XX/XX/XXXX i make payment for {$1200.00} is over paid and now my due is {$1600.00} my due for One loan for {$530.00} is {$2800.00} mas {$170.00} my Bank no paid total the Mony is {$3000.00}. Is normal This fraude i need solution for this company. an stop Charges a my Bank for this fraude payment.Company Makwa Finance
10/11/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OK
  • 73159
Web
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
10/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 49601
Web
XXXX XXXX ( LDF Holdings ), continues to harrass me with phonecalls to both my cell phone and place of employment in regards to an old payday loan. I sent them a certified letter on XX/XX/19, at which point I revoked their ACH Credit and Debit authorizations. I also explicitly told them that they were not to contact me further via phone at home or place of employment about this debt. The loan that they provided me with was illegal per Michigan law, and they have no leg to stand on with their " rent-a-tribe '' scheme to evade state usury laws.
06/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • LA
  • 705XX
Web
I applied for a loan from Evergreen Services earlier today, XX/XX/2020. I was told that the loan had been approved, but they explained that the loan involves a two-weekly finance fee of {$120.00} on a principal of {$400.00}. I asked what the APR was and they refused to tell me telling me that the payments were flexible and I could pay just the finance fee or some of the principal too. I declined the offer of a loan as it was too expensive for my budget, but I am concerned that they refused to tell me the APR when I directly asked for it.
02/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 76705
Web
Around the end of XX/XX/2017, I attempted to borrow money, however I did not borrow the amount they say I owe. I can not recall dates. I just now started to receive threatening calls from this company. Also, my account with my financial institution was compromised abd I had to switch accounts. My credit score is low and I was used due to my low income and vulnerability. I knew little of these types of loans, then I researched and I've paid more than what was put into my account. Now they're threatening me! I'm a single mom on a fixed income!
05/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 02155
Web
I took out a loan from Loan At Last for roughly {$500.00} almost a year ago ( I believe XX/XX/XXXX orXX/XX/2018) and have been getting $ XXXX taken out of my bank account every two weeks ever since. The interest on this loan is near or exceeds 800 % at this point which exceeds the usury limit for Massachusetts. I would like this company to stop pulling money out of my account and to refund me the interest I have been paying for almost a year now. I have had about $ XXXX in total taken out of my account for a {$500.00} loan. Please help
08/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30126
Web
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 Loans provided to me by Amplify, funded on XX/XX/18 and XX/XX/18 in the amounts of {$1000.00} and {$2000.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX XXXX XXXX is not licensed to make loans in the state of Georgia.
04/21/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MI
  • 485XX
Web
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and Lendgreen for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
07/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98271
Web
Applied for a {$200.00} loan online. I have done this before with other companies with no problem. I was under the impression it would take about 6 months with automatic monthly payments of {$53.00}. The loan started in XXXX so when I saw the sixth payment come out of my bank I went online to check the status of the loan. I was shocked and horrified when I say that payments were scheduled until XXXX. The total amount I was to pay back is over {$1500.00} for a {$200.00} loan? They are charging over 64 % interest. Please help me!
10/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • GA
  • 30066
Web
For two weeks now, I've been telling XXXX that I was going through a Hardship due to me being sick and have asked them for longer time to make payment longer than 1 to 2 weeks and this week I told XXXX that I couldn't make any payments now and told XXXX not to withdraw from my account because it puts it Negative status and I just can't afford it and asked them for Extended Repayment Plans on several occasions but never gotten an answer and today XXXX withdraw funds from my Checking account after I've told them and asked them.
04/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NV
  • 891XX
Web
On XX/XX/XXXX I took out a personal loan with Loan At Last, an online lender. I borrowed {$300.00}, but as usual planned to pay back before the maturity date. I ended up losing my job due to COVID and lack of business. I have already paid $ XXXX and I still apparently owe them {$530.00}. I attempted to email to see if I could just pay the original loan amount, or to see what could be worked out. Unfortunately I was told there was nothing that could be done. I had no idea, and have never before seen a 500 % interest rate.
01/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98116
Web
I learned yesterday that this company is not licensed to operate in my state. Researching what to do about this, I found that WA residents are owed a refund on these loans past the principal amount. This company owes me {$840.00} in refunds after I have paid {$1600.00} on an {$850.00} loan. I revoked ACH authorization with both the company and my bank, and asked that they refund my money, pursuant to the law of the state they were doing business in. They have declined. I want my refund of these fees that I am entitled to.
05/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 55305
Web
XXXX XXXX XXXX is an arm of the XXXX XXXX. I took out a {$700.00} loan ( # XXXX ) from XXXX XXXX XXXX in the summer of 2018 for medical bills, because my credit score doesn't qualify me for a traditional loan. I was unaware of the triple digit interest rate which is in violation of Minnesota law and that the loan is not licensed in the State of Minnesota. Furthermore, XXXX XXXX XXXX said their loans are not germane to Minnesota. They issued a loan from a sovereign entity illegally to a resident of a sovereign state.
07/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NE
  • 681XX
Web
I emailed the lender and explained to them a week before my first payment was due that I live on ssi and am in XXXX from XXXX XXXX and I could not make my payment we agreed they would be putting my XX/XX/XXXX payment at the end of my loan and i would not pay XXXX payment they emailed me back two days later said it was too late to negotiate that and they with drew the money I was sick and didnt even get a copy of loan agreement or know what i signed they preyed on me i was desperate but they knew i couldnt afford this
09/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 02745
Web
I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.
04/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33544
Web
I sent correspondence to the company on XX/XX/XXXX to revoke ACH transactions and cease communication including any friends, relatives, employers, references, and so forth. Basically ceasing communication period. However I did allow email contact for the purposes of confirmation and setting up a payment plan as I am struggling to pay currently. I received a call on XX/XX/XXXX that they had called one of my references to get my contact information which they already have despite notification of ceasing communication.
01/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 32129
Web Older American, Servicemember
I contacted XXXX that I noticed XXXX ACH withdrawals from my checking account. Both from XXXX. The first for - {$1100.00}. XXXX XXXX XXXX. The XXXX was - {$430.00}. An additional payment. I contacted both the merchant ( Lendumo ) and XXXX. Can we resolve this additional payment. Lendumos response was sorry. We cant offer to refund- {$430.00}. Since the loan was payed off. XXXX told me they will investigate the matter and contact the merchant. With a conditional credit of- {$430.00}. To my checking account. Thanks.
10/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IL
  • 60657
Web
I have been receiving constant emails from XXXX first saying I was approved for a loan and now saying I owe them money and in collections. I have never applied for a loan with them. I have emailed and called. When I call they ask for my SSN to " help '' me which I refuse to give. This is not showing up on my credit report so I don't think anyone took the loan out in my name, however, I need assistance in getting them to stop contacting me. I have attached examples of emails I have received. I have many more.
05/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 322XX
Web Servicemember
XXXXspoke with supervisor XXXX about the interest being charged ( XXXX ) on a daily basis, in addition to the APR of XXXX. The amount of the loan was for {$600.00}. I will end up paying 3X 's as much ehich is unfair to me as a consumer. In addition, they are not sending me any transaction receipts or anything. They have been received their funds back and much more. They are robbing me as a consumer. I have tried going on their website, Amplify funding.com, yo retrieve my info but was unable to access the site.
11/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CT
  • 06095
Web
I was desperate for money, I felt really taken advantage of. I had no idea that their type of lending was illegal in CT. Being charged over 700 % interest on {$700.00}. I went to go pay off my loan a month later after making four payments of {$100.00} which totaled {$430.00} and they said my loan payoff was about {$820.00}. Now that they have twelve payments equaling {$1300.00} with a total of {$600.00} worth of interest and Im out so much money Im in worse condition trying to pay my car loan and my rent.
08/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NH
  • 03801
Web
Tuesday XX/XX/XXXX- I applied for a short term installment loan, approved for {$1000.00} but received the terms under which they would loan and they stated an interest rate of over 400 %!! Obviously, I did not go for the loan and they have called me no less than 5 timed since then despite my repeatedly stating that I did not want the loan and replying stop to their texts. I am concerned that these people are taking advantage of people who may be less equipped to understand the terms at play. Thank you
09/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08854
Web Older American, Servicemember
When I explained the high interest rate, they stated that I signed the agreement! My complaint was that I was a Veteran and when I signed the loan agreement I was under the thought that they knew the Veteran and Consumer Fair Credit Act! Their response was that I was not in the military. Again I explained that I was wounded in combat and receiving compensation and gave them the date my XXXX check was deposited, which meant I am a Veteran! I also have a loan with Lendumo Finance, with the same complaint
05/17/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 94560
Web
One of Bridge Lending Solutions representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XX/XX/2022 at XXXX XXXX XXXX, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. Prior to this, on XX/XX/2022 I sent a Revocation of Authority to Contact Third Parties and asked that Bridge Lending Solutions stop contacting me while I research tribal loan enforceability in my state.
01/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MI
  • 494XX
Web Older American
In XXXX of 2022 I took out a small {$200.00} loan from Makwa Finace. The payment schedule of {$79.00} appeared to quite long, far exceeding the {$200.00} loan. I aksed about this before agreeing too the loan and just paraphrasing, was told it woud not take that long to pay bck the loan. After two payments they showed I still owed in excess of {$300.00}. At that rate I can not ever pay back the loan. I started asking questions around that time and would be happy to share the mail thread with you.
10/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CO
  • 802XX
Web
I realize that your lending entity operates under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of the last year I have paid {$1000.00} to your agency in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me severe financial duress and potential eviction from my residence.
08/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • XXXXX
Web
I took a loan in XX/XX/XXXX for {$1000.00} online. The money was in my account the next day. But I never received the paperwork I signed. I called but never answered. So I emailed them a few times asking what is my percentage and got a email about 3 to 4 days later. Thats when I saw my percentage for 785.55 %. I already used the money. So I emailed them ill pay my {$1000.00} but not more then that. I have XXXX asking me to pay {$2000.00}. I made 2 payments for {$320.00} on XX/XX/XXXX & XX/XX/XXXX.
09/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 480XX
Web Older American
I called the loan company ( LoanatLast ) ( XX/XX/2019 ) because I had two payments ( {$98.00} ) each taken out of my account within two weeks. After asking a few questions I was informed that I am paying interest 675 % per day on the initial load of {$750.00}. This amounted to approximately {$95.00} of interest per day. I ask for the payoff and it was XXXX as of today. I did pay it off over the phone. My complaint is that no place in the contract does it state that interest was charged by the day.
03/17/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 75150
Web
I have been harassed by this Collection Agency via text, email, and now they are harassing relatives & neighbors that were NOT a part of my application process. This is an old account/debt from 7-8 years ago. I have not been able to speak with a XXXXive Representative of the Collection Agency, XXXX XXXX ( phone # XXXX ). With so many scammers and fraudulent activity on the rise, this is NOT a good practice that this agency is using that your information is being identified using IVR technology.
10/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43228
Web
I recently lost my job and since day one of that happening I contacted SkyTrailCash in order to try to work out a repayment plan since my income changed due to being laid off. I offered to make $ 40 monthly payments in order to prevent the account from defaulting even more. But all I've encountered by this company is pushback and trying to make my pay my regular payment of almost {$100.00} per paycheck. I don't know what else to do in order to get this resolved with these people. Please advise.
11/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OR
  • 97526
Web
Called their customer service phone number Tuesday XX/XX/2020, XXXX, to change the dates which my payments would get withdrawn from my account as it would overdraw my account since I just started a new job. The customer service representative told me steps to go through to change the autopay functions via the website and those steps were nowhere to be found. I am now over {$600.00} overdrawn from this company and another. I really just want the XXXX Covid stimulus bill passed through Congress.
01/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28273
Web
I applied for a loan at this company around the end of XXXX and was approved for {$960.00}. I had XXXX more payment of {$270.00}. XXXX payments have already been deducted from my XXXX account. I called XXXX minutes ago to speak to an agent and I stated that I have more more payment of {$270.00} and she tells me no, you have a total of XXXX payments totaling over {$2000.00} No maam and I need to speak with a supervisor but they all are busy. THIS IS STEALING and extortion. PLEASE HELP ME.
04/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 329XX
Web Servicemember
I obtained an original payday loan for {$750.00}. Every 2 weeks the company has been withdrawing {$260.00} out of my account. When I check my account online with the company the balance owed keeps going up instead of down. For example I have made 6 payments of {$260.00}. and I now owe {$1000.00}. Somebody please help me supposedly this is a company that is in a sovereign nation on an XXXX reservation in Florida. I don't know what to do and I keep losing money that I can't afford to lose ...
07/04/2023 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • WI
  • 545XX
Web
Lendumo is taking money from my checking account on a loan I did not do This is a fraudulent loan that they have been taking payments out of my account Have been trying to work with the company to refund payments they took from me. Did a police report, an affidavit and copy of bank statement showing I never received the money. They are not refunding my money. It is {$1000.00} that they owe me. I have been trying to resolve this account for 3 months now. They will not resolve this account
07/04/2023 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • WI
  • 545XX
Web
Lendumo is taking money from my checking account on a loan I did not do This is a fraudulent loan that they have been taking payments out of my account Have been trying to work with the company to refund payments they took from me. Did a police report, an affidavit and copy of bank statement showing I never received the money. They are not refunding my money. It is {$1000.00} that they owe me. I have been trying to resolve this account for 3 months now. They will not resolve this account
01/12/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 49601
Web
A man claiming to work for a office of XXXX XXXX and associates called my work and harassed me for a debt I dont recall over 5 years old. Called him back to ask to stop and he continued to threaten calling my works ex owner, bosses and others when I asked for proof and paper work. When confronted on why he was using a masked number he became very aggressive and agitated. He continues to threaten people who have nothing to do with said issue in hopes to make me pay something and go away.
08/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • ME
  • 042XX
Web Older American, Servicemember
In XX/XX/2023 I borrowed {$250.00} from the lender to which {$84.00} was to be debited from my checking account in 4 installments beginning in XXXX to repay the loan and interest. An additional {$84.00} was debited from my checking account in XXXX. Upon learning about the XXXX withdrawl, I contacted the lender about this. I was informed by the lender I agreed to 12 monthly payments. There is no way I would ever agree to a ridiculous deal like this. I could use your help, please
06/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07307
Web
XXXX claims I have a loan with them for which I did not apply. They are claiming that I owe them the first payment of {$350.00} due XX/XX/XXXX. I have never received funds from this company. when I called to inquire, they asked for my date of birth and I foolishly gave it to them. They then put me on hold because they had to correct the date in their system so that they could bring up my account. They said they would call me back when they bring up my account from phone number XXXX.
07/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 078XX
Web
I have repeatedly asked XXXX XXXX XXXX to contact my attorney XXXX XXXX to work out payments since I have retained his services to settle my debt. Instead they keep calling and harassing me. Insisting that if I don't take care of this now they will speak with my employer. After telling them on numerous occasions that I will lose my job if they contact me at work they still contact me. I have an attorney they can speak with but they insist on harassing me not only at home but at work.
09/07/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85388
Web
One of Evergreen Services representatives, XXXX I believe was her name, contacted my daughter by phone call on XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, and identified the debt collector as Evergreen Services. The phone number used to contact my daughter was XXXX ( XXXX ) XXXX. I understand that these calls are meant to intimidate and harass me. I have already revoked Evergreen Services authorization to contact third parties on XX/XX/2022. Yet they continue to harass me and my family.
02/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97211
Web
I took out a loan with Loan at Last XX/XX/2017 for {$470.00}. Since this time I have made all my payments which are {$100.00} twice a month totalling {$520.00}. After making my most recent payment I was informed my payoff amount was {$600.00}! I was not expecting that after paying more than the cost of the loan the payoff amount would still be more than the cost of the loan. I feel these are predatory lending practices. I need help getting out of this payday cycle with this company.
07/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Pawn loan
  • Charged fees or interest you didn't expect
  • FL
  • 33647
Web Servicemember
I originally borrowed {$600.00} from National Small Loan and I already paid {$870.00} and now they are stating I still owe them an additional {$850.00}. I already paid over {$270.00} in interest which is equivalent to an annualized percentage rate of over 500 %. This is illegal in the state of Florida. The maximum annual percentage rate is 18 %. Florida 's usury laws, set forth in F.S Ch. 687, prescribe a maximum rate of interest of 18 percent on loans of less than {$500000.00}.
10/08/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 49417
Web
I sent the attached letter to Lendumo on XX/XX/XXXX, & have not received any responses yet. I followed up with them again after XX/XX/XXXX, & still no response. ALSO I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! They are 100 % submitted by me, & only me. So Please stop assuming it was someone else, & Please address my complaints.
11/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 33125
Web
I sent two letters stating i revoked my authorization for them to take money from my account.I informed them I would make my own repayment arrangements. The money was to be taken on the XXXX of XXXX, 2019. The letters were sent on the XXXX and the XXXX. There was no response. They took the {$150.00} anyway from my checking account.It is very difficult to get them on the phone and they dont respond to emails. They took my money from my bank account without my authorization,
12/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 087XX
Web
I took out a XXXX dollar loan after I was assured the interest rates were legal in NJ. I found out that the interest rate violates NJ usury rates of 30 % by contacting NJ department of Banking and insurance. This lending company is not Licensed in Nj. I contacted the lender and they have stated that they arent sure when Ill hear back from them. I had also took out a Previous loan that was paid off but still under the word that they were a licensed and legal lender in NJ
11/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OH
  • 44312
Web
I have attempted to login multiple times on the site, only for the page to reload the login with no error of invalid data. I've called customer service on 3 occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for no one to ever answer. A prompt comes on after 15 minutes and states a representative will call back to the number calling from, but no one ever calls. I've tried to stop payment through my bank, but they've stated the lender can only stop the reoccurring payments.
03/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • PA
  • 18901
Web
I was short for monety before my payday and looked into a few pay day loan companies. I applied and once i saw the insane biweekly repayment agreement, I did NOT go though and sign the loan agreement forms. This company deposited the {$300.00} into my bank anyway, and now wants me to pay {$83.00} BIWEEKLY on a loan i never fully signed up for. I can't even pull my Loan Agreement from the website without it crashing, which is proof i never even signed a loan agreement!
08/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • PA
  • 17901
Web
The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in.
02/08/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 32256
Web
I've emailed this company on numerous occasions advising them to stop contacting me, as the loan service that was provided to me I later found out was illegal under laws of the State of Florida and the Florida Office of Financial Regulation. This company has continued to attempt to email me and call me, and has recently started harassing friends and family attempting to collect. They need to stop harassing me or my family before I'm forced to take further action.
06/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97211
Web
On XX/XX/2019I received a {$500.00} loan from National Small Loan. I made my first payment on XX/XX/19for {$73.00} and have made weekly payments for that same amount since then. As of today I have paid National Small Loan {$1200.00}. Upon checking my payoff amount it showed that I owe {$500.00} which is more than my loan was even for. Apparently, every penny I have paid so far has went to the interest and not to the principal which is not how loans should work.
02/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • PA
  • 17815
Web
I applied for a payday loan in XXXX and was approved for {$200.00} through XXXX XXXX XXXX. I have since made 14 payments totaling over {$550.00}. The original principal had been paid back plus several hundreds in interest yet they still deduct the payments from my bank account twice a week. I was not aware payday loans are illegal in the state of Pa and I have gotten 2 more trying to pay the original one off and I am financially unable to keep making payments.
03/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • SD
  • 575XX
Web
On XX/XX/XXXX I received a {$600.00} deposit in my checking account that I didn't sign any loan agreements for. I emailed the company and told them I will return the {$600.00} by check but I don't want any withdrawals made from my checking account because I am afraid they will just keep taking payments even if I return the money. I will wait until after the date they were going to take a payment because I am afraid I will lose the payment plus the {$600.00}.
04/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34286
Web
On XX/XX/21 I borrowed {$1200.00} from LoanAtLast. The effective date was XX/XX/21. My first payment was due XX/XX/21 & money was taken from me weekly at {$160.00}. The APR was not given to me until after the agreement was signed. I financed {$1200.00} at a 702.32 % APR. I paid {$160.00} on XX/XX/21, XX/XX/21 & so on, weekly. This is predatory lending at its finest and I am beyond XXXX this happened to me. I am young & I didnt understand what was going on.
05/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 07601
Web Older American, Servicemember
After my initial payment for a XXXX month loan an XXXX withdrawal for an XXXX months balance was initiated for the XXXX payment leaving a balance of {$28.00}. Upon calling Lendumo I was informed an online request was made to change my password and request the payment. This was stopped and Lendumo could not tell me the XXXX address and I must receive a phone text with access code to access the account. I would like the FTC to investigate these practices.
11/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • XXXXX
Web Older American
After expressly requesting that my loan be paid off I learned today that my loan was NOT paid off and so now have had to request a payoff be processed for the second time. This company is unquestionably delaying the payoff process in order to generate additional interest income as there is no other explanation. The person I spoke with on the telephone today stated there is NO record of me requesting a payoff even though I have emails stating otherwise.
11/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • MD
  • 20747
Web Older American, Servicemember
my account was withdrawn the amount of XXXX which was suppose to be every other payday, the loan was approved on the XX/XX/2023 and next pay period is suppose to be on the XX/XX/2023, they withdrawn on the XX/XX/2023 which was one week later. documents upload was previous loans and shows payment dates every two weeks from effective date. # XXXX # XXXX both paid in full the next pay period they need to be investigate this was not a mistake.
01/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 275XX
Web
I requested {$200.00} to solve an issue. The company sent {$600.00} in my account. I wanted to pay the {$600.00} back immediately as it can not solve the issues. They wanted me to wait and pay {$320.00} each month for 8 months. I have been telling them I want to pay immediately your {$600.00} but they have been refusing to take the money. I can not pay {$320.00} per month for a loan of {$600.00}. I communicated with them via emails and phone.
05/12/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • VA
  • 231XX
Web Older American
I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX.
09/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 322XX
Web
I contacted Availiblue and let them know that I was involved in an auto accident and I was not working my full schedule and therefore unable to make my payments and if I could work out something where I could restructure the payments or make a lower payment. I was told that this is not the way the company does things and I would be responsible for the full payments. I have now gone into default because the company wouldn't work with me.
11/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 705XX
Web
I sent evergreen services notice to revoke my ach on XX/XX/XXXX, they acknowledged it. My debt management company also sent notice to revoke on XX/XX/XXXX. Friday XX/XX/XXXX they initiated a withdrawal of {$170.00}, when asked why this transaction was initiated when they were revoked they said its required, and a refund would not be issued. This transaction was revoked more than enough time in advance it should not have been initiated
06/21/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 78109
Web
One of National Small Loans ' representatives, XXXX XXXX, contacted my workplace by phone call on XX/XX/2022 at approximately XXXX XXXX XXXX, and identified the debt collector as National Small Loan. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. I have already sent a Revocation of Authority to Contact Third Parties on XX/XX/2022 and requested that third parties related to me not be contacted.
11/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 440XX
Web
I have never applied for a loan with this company. On XX/XX/2021 I received an email with a denial letter for this attempted loan. I already have fraud alerts on my credit report so I am assuming that is why the attempted loan was denied. I expect the inquiry taken off of my bureau and an alert sent to this company that I did not apply for a loan with them and not to accept any applications from me because they are not legitimate.
09/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 330XX
Web
IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT. XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 16668 : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
09/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 488XX
Web
This is a loan from 3 years ago from Sky Trails Cash that was taken care of and paid off. I completely forgot about this loan and haven't received any call or anything in writing stating I owe anything, then all of a sudden today I get a call from a third party group saying I owe {$590.00} or there will be legal action against me. I don't owe them anything and I don't want them showing up at my house serving me with papers.
01/30/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • 91360
Web
My name is XXXX XXXX. I am a XXXX Consumer from California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX XXXX XXXX To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before 8AM is not allowed. This complaint also involves the parent company LDF Holding LLC.
01/30/2019 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • 91360
Web
My name is XXXX XXXX. I am a XXXX Consumer from California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX Txt Stop To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before XXXX is not allowed. This complaint also involves the parent company LDF Holding LLC.
11/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30339
Web
National started calling me at work, although I was promptly communicating with the company about unexpected financial problems. I told the company NOT to call me at work. The company apologized and stated it would not happen again. Today, it called me again at my place of employment. This is NOT acceptable. The first instance occurred on XXXX XX/XX/2022. The second instance occurred today, XXXX XX/XX/2022.
10/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • KY
  • 423XX
Web
My next payment is due XX/XX/2019. To make changes to the amount, I have until XX/XX/2019. I sent the revoke permission letter and was advised that they would still be withdrawing the payment on the XX/XX/2019 for {$130.00}. This is not timely, and makes no sense if they can change the amount of the draft within 3 days, they should be able to stop the draft given a week. They said it has to be 10 days.
09/22/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MS
  • 39465
Web Servicemember
I took out the loan. I am currently paying 714.92 % interest on a {$700.00} loan. They are charging me {$860.00} finance charges on this loan. At the time, I was just looking for a quick, no credit check loan. My parents are the ones who told me that this was wrong. I should have done more checking to begin with and I am struggling to pay this loan, because I now live with my parents. Can you help me?
07/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98008
Web
Today I contacted the loan company and asked why I was still being charged for this loan of {$2700.00} I was then informed of the outrageous interest rate of 503 %. Said there isn't anything they can do to help me. If I was to continue making payments on this small loan, I would pay out more than XXXX. I did NOT understand this and feel very deceived. I can't pay this back at the terms listed.
11/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • XXXXX
Web
I opened an account with Amplify Funding in XXXX, 2018 for {$850.00}. I don't believe I received the actual interest rate until after I signed, but now see that it's XXXX %!!! For an {$850.00} loan, they want me to repay {$3100.00} back! I have made the first payment via ACH from my checking account, but feel I should not have to pay back at a XXXX % interest rate, which seems like loan sharking.
12/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 94118
Web
I started receiving gratuitous contacts ( 4 unsolicited, and 7 additional after asking to cease communication ) within 24 hours from National Small Loan regarding a loan I did not apply for, and funding of said loan. Each contact requests additional information, the team refuses to stop contacting and to delete my information without me providing significant amounts of PII via unsecured email.
09/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 441XX
Web Older American
I began to get collection notices from XXXX starting on XX/XX/2021. I received another debt collection notice on XX/XX/XXXX, also by email and then yesterday, I received another collection notice in the mail - that is on XXXX. I have never taken a loan from XXXX. I have never contacted XXXX. I have no idea of what they say is the amount of the loan. I have never received any funds from XXXX.
04/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 78727
Web
Evergreen Services is doing the same thing that XXXX XXXX was charged with. They are located on an XXXX reservation. It lends small amounts of money with the payment schedule covering interest only and the option to pay off the loan directly is not made possible. They automatically keep you paying astronomical fees. Im embarrassed to have taken money from them but they need to be shut down.
07/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 07501
Web
My name is XXXX XXXX, I had been out of work and struggling to pay rent and other bills. I contacted this company via email I honestly thought it was a regular loan. I am very distraught the amount was XXXX dollars. I am afraid they may garnish my pay or take me to court. There have been alot of complaints about this comany amplify funding in wisconsin, I am so afraid of what may happen.
03/02/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 919XX
Web Older American
On XX/XX/2022, I wrote a letter to Lendumo, XXXX XXXX XXXX, and revoked authorization to my XXXX XXXXXXXX account, and I placed a stop payment with my bank on XX/XX/2022. Lendumo ignored the letter and went into my account under a different name, after I revoked Authorization. The payment posted to my account today and I have now filed a dispute with my bank. Thank you for your time.
01/21/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • OK
  • 74008
Web
I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. Please help with this.
12/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97702
Web
I received an online loan in the amount of {$1000.00} on XX/XX/2018. I make bi weekly payments on my paydays in the amount of {$200.00}. I have made 2 so far. I called to pay off my loan on my next payday and the company said my payoff amount is {$1200.00}. I only borrowed {$1000.00} and have made {$400.00} in payments. I have heard nothing from them after sending multiple messages.
05/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 44221
Web
National Small Loan charged me a payment that was outside of the agreed upon payment schedule. Payment of XXXX was suppose to be deducted on XX/XX/XXXX. The payment was processed on XX/XX/XXXX when funds for it were not in my account. I contacted them to dispute it and I am getting run around and no resolution. This unauthorized transaction overdrew my account and was un fixable.
10/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 34744
Web
I called to advise that i can no longer make payments. I was told by the representative that they would still debit my account. The amount that they charge is XXXX every 2 weeks. It was a huge mistake to get this lian. The rates are 385 % which is well over the states allowed fees. Tgis was for a XXXX dollarloan. Over the course of 5 months, i have more than paid off this loan.
10/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 28562
Web
I did a payday loan in XXXX for XXXX dollars and am now struggling to pay it. The APR is 611 %. If I pay one more time on XX/XX/XXXX, this will cover the XXXX dollar loan. I am on the East coast in NC and we are still struggling from Hurricane Florence. I realize I should have not taken out this loan and do not plan to do it again, but I would like to be relieved of this loan.
06/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30349
Web
This company interest rate is very high on a XXXX dollar loan the rates is 675.88 % and fees every two weeks is XXXX and one payment miss it goes up to XXXX dollars iam like what thats not right and plus they using different loans id to debit my account and the force me to close my account because they said that they was n't legal and i need to contact the commissioner of ga.
09/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 195XX
Web Older American
borrowed {$1000.00} payments to be {$330.00} per month for 12 months at 497.27 % interest. loan was made on XX/XX/XXXX. Total payment for {$1000.00} loan will be {$4100.00}. I think this would be excessive in the state of Pennsylvania. Money being taken through direct debit until XX/XX/XXXX. Bank account closed at advise of bank to prevent further withdrawing from account.
12/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CO
  • 80922
Web Servicemember
I took out the {$200.00} loan a few months ago. I mailed by last payment of {$260.00} priority mail on XXXX XXXX it was received into their post office box XXXX XXXX. I had a tracker. They say they cant find it and to wait 14 days. It has been 14 days abd no one will help to find my payment. I have a copy of my money order and priority mail receipt. Please please help me
03/26/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TN
  • 38134
Web
A lady named XXXX XXXX keeps calling my cell phone and work phone number leaving messages. Saying she has a warrant for my arrest. XXXX. She is with XXXX XXXX XXXX. There number is XXXX. Original debt was with Bridge Solutions. Now they bought the debt I only owe {$70.00} now this company is saying {$2200.00}. The original loan was {$250.00}. They keep calling my job.
11/27/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • KY
  • 402XX
Web
I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
06/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07109
Web
I am looking to have my balanced cleared on the loan. The principal balance was {$500.00} and I have made {$1400.00} in payments within a few months. This is outrageous and I can not afford to give the company any more money. I called and they informed me that I still would owe {$510.00} if I paid the balance tomorrow, which means I have only been paying interest.
11/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • XXXXX
Web Older American
I attempted to payoff my loan online as that is how I obtained it in the first place. I was not able to do so and instead was directed to contact the lender another way. I submitted a request immediately and did not receive a response until today. I am attaching the response as a pdf for review. I believe the tone and substance of the response speaks for itself.
08/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 21237
Web
I took out a payday loan with XXXX XXXX XXXX. Interest rates are triple digit and usually at least, blatantly illegal in Maryland which is my state of domicile. The original loan amount taken was XXXX. I have repaid this amount through withdrawals from my checking account. Total payments to the company were for XXXX which is more than the original loan amount.
05/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 374XX
Web Older American
In XXXX I asked for {$400.00} loan and the girl insisted she gave me {$1100.00} I told her I did not need this amount she said you can give it back what you do not use. I paid XXXX payment of {$220.00} and today asked for a payoff and was told it would be {$1300.00} does that not mean I am charged {$540.00} interest for 2 months PLEASE ADVISE THANKS XXXX XXXX
05/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • XXXXX
Web
I have paid beyond double the principal payment of the loan due to the interest rate of over 700 %. The company still continues to take {$140.00} every two weeks. The debt of the loan should be marked as resolved, but the fees and extremely high interest rates has made it impossible and has caused me a great amount of stress and a personal financial collapse.
06/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94533
Web
789.89 % is beyond predatory. At this point I have more than paid back my loan but no one should be expected to pay over {$11000.00} for a {$1200.00} loan. At the very least they should not be allowed to have consumers from the state of CA were there are laws established to protect people from this very thing. THIS IS THE TEXTBOOK DEFINITION ON LOANSHARKING.
10/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DC
  • 20020
Web Older American
On XX/XX/2018 I applied for a {$500.00} loan and I received the money the next day XX/XX/2018. I didn't receive any paper work about the loan or repayment schedule. On XX/XX/2018 I went on line to get some information and it showed my payment of {$140.00} is due on XX/XX/2018., for l8 months. I would have to {$2600.00} on a {$500.00} loan. Please assist me.
06/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30349
Web
IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.
07/03/2022 Yes
  • Student loan
  • Private student loan
  • Getting a loan
  • Confusing or misleading advertising
  • NY
  • 122XX
Web
I file with board of education and they never return my calls or even a letter I file dismiss due to misleading advertising sticking me with a loan and never formally forfill the contract that was agree to when I started the school I never work as a medical assistant because they never job replace which was part of the contract they lie about the contract
04/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92324
Web
I borrowed the XXXX and at the time I did not really realize that I was going to ba paying XXXX to borrow XXXX that is a bit excessive. They are taking XXXX every paycheck from my account from XXXX thru XXXX. I have already paid the XXXX plus interest at this time. I think these fees are outrageous and I think that I have paid way more than I should have.
08/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • AZ
  • 85019
Web
XXXX XXXX at last withdrew money from my checking account. I had never applied for a loan with this company. When I called to ask how they had gotten my information, no one will give me any answers. They are now demanding interest on a loan I did not apply for. I have no information on the loan, no loan #, no anything. They just began taking money.
12/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • NV
  • 89130
Web Older American
I was a victim of online fraud. Person purporting to be someone else. Romantic Relationship developed and person started sending money to my account asking me to send it to different individuals, which I did. Then charges appeared on my bank account. Individual name is XXXX XXXX impersonating XXXX XXXX. Subject friended me on a XXXX site on XXXX.
01/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97211
Web
I took out a loan for {$1000.00} on XX/XX/XXXX. As of XX/XX/XXXX I have paid {$1000.00}. When I called today to get the payoff amount I was told it would be {$1100.00} which is more than the cost of the loan. Apparently, none of the money I paid thus far went to the principal balance. I was unaware that would be the case when taking out this loan.
11/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20774
Web
The company is not registered in the state of Maryland and Maryland doesnt offer payday loans. They have sent my account to a debt collector asking for me to pay this high interest rate back, which the state of Maryland interest rate should only be 24 %, not 700 % interest rate. They should not be allowed to offer any loans in the state of XXXX.
01/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 945XX
Web
In XX/XX/2019 I arranged to get a {$500.00} loan agreeing to pay off with two payments over four weeks .I got an email saying I owed {$150.00} which I thought I had paid it off before. I went to my bank account and theyve been taking payments out of my check for twice a month since XXXX which equaled to {$1900.00} paid back on a {$500.00} loan
11/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • AZ
  • 85225
Web
On XX/XX/2022, I sent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evergreen Services and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Evergreen Services debited {$190.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.
01/15/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 75208
Web
I have sent 4 ACH revocation letters to the company. XX/XX/19 - email with pdf of letter sent to XXXX XX/XX/19 - faxed letter to XXXX XX/XX/19- mailed certified letter XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX (rcvd XX/XX/19) XX/XX/19 - emailed once again the pdf letter of ACH revocationXX/XX/19 - XXXX withdrew $XXXX from my account.
06/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • ME
  • 040XX
Web Servicemember
I have been having health issues which included a 6 hour XXXX. I have also received a reduction of my social security benefits. I have explained to this company on several occasions I am in the hospital and they stated to me that the calls will continue, although I requested to not be bothered right now, as XXXX is the last thing I need.
02/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97211
Web
On XX/XX/2017 I took out a loan for {$XXXX} with XXXX XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX % XXXX XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.
06/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OK
  • 74464
Web
The company refuses to work with me after contacting them to let them know I could not pay for my necessities and asked to work out a payment plan. They have already been paid more than enough for the original loan. I acknowledged the responsibility for the debt and offered to work out a reasonable payment plan, but it was refused.
07/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89408
Web Servicemember
I got a loan for {$900.00} 5 months ago. I have made 10 biweekly payments of {$230.00}. {$2300.00} in payments on a {$900.00} loan. Never late, never short. I called to see why the loan wasnt done being paid off yet and they said I owed almost {$600.00} to close the loan. THIS IS CRIMINAL taking advantage of people in dire need.
01/30/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OR
  • XXXXX
Web
My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.
05/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 20876
Web Servicemember
I have requested 2 months ago to have my loan paid off, the company didn't do this and is still taking only {$150.00} finance fees from me every pay day on a {$700.00} loan. To date, I have paid a {$1800.00} on this loan. I have simply tried to make payment arrangements to simply end this process, but they have refused to help.
08/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 94044
Web
I tried to contact the company through the website and keep getting 403 forbidden message. I tried to call and couldnt connect to a live person. I was just trying to contact them for an extension in repayment and now Im concerned that I wont be able to repay early and I will be responsible for all the interest, which is A LOT!
06/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 993XX
Web
I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.
06/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 349XX
Web
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
06/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 349XX
Web
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and not affordable.The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
10/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 490XX
Web Servicemember
they released my personal and private information to a third party via text. they gave my name and amount owed. they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. the old number was XXXX XXXX XXXX.
06/21/2019 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28655
Web Older American, Servicemember
I applied with amplifier to Borrow some money I didnt realize they were charging 30 % for it and they said they sent me a notification in my email but I did not see it when I signed up for it. Interest is maybe 8.00 a day. Not sure. I borrowed {$700.00} but payback ending up over $ 2,000.to 2,500. If I remember correctly.
06/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07109
Web
The company is charging an interest rate of over 700 %. I have paid beyond the principal payment. I have tried to contact them to find out information on the loan but can never get in touch with a helpful employee. I can not afford to continue paying their extremely high interest rate that is not legal in the state of NJ.
10/08/2019 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 are prohibited in my state ( California ). Therefore, the loan contract that I have with Amplify Funding, according to my state 's laws, is not enforceable. They are charging me 656.48 % Finance Charge for {$1200.00} Loan. I have emailed them and they have not yet to respond.
06/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 338XX
Web
Payments come out every Thursday last one was dated XXXX XXXX XXXX My family is struggling real hard Wife has n't had a job for awhile we have XXXX kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.
10/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • IA
  • 514XX
Web
This company and their collections agency is harassing me telling me I'm going to jail for bad checks. Cussing me out. They are violating FEDERAL laws with their interest rates. See XXXX. Online loans especially at those rates in Iowa are illegal. I've contacted Iowa attorney general XXXX XXXX about the harassment.
05/04/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 33544
Web
On XX/XX/XXXX I had sent an email to XXXX XXXX to revoke ACH consent as I am struggling financially and need to set up a different payment plan. I also sent a Cease Communication notice and advised them that I would reach out to make arrangements when I was able. On XX/XX/XXXX they withdrew funds from my account.
08/30/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • HI
  • 96826
Web
A third party XXXX XXXX XXXX XXXX called on behalf of debt allegedly owed to XXXX XXXX which is a pay day loan. They were very rude and threatening. I did reach out to XXXX XXXX but am not able to get any reliable information. I am hoping to receive accurate information from XXXX XXXX concerning any debt owed.
06/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IA
  • 503XX
Web
I applied for a loan and they charged an interest rate of 727.65 % interest. I didn't realize until later that Iowa law only permits lenders to charge 433 % for a 14 day {$100.00} loan. Is it legal for them to charge me such a high interest rate? I don't know if I can pay it back, I was desperate at the time.
12/11/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 91362
Web
I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.
04/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95835
Web
I took a loan of XXXX $ from loanatlast on XX/XX/2020. I was supposed to pay XXXX $ every XX/XX/XXXX and XX/XX/XXXX of every month. Today is XX/XX/2020. They deducted the mentioned amount of XXXX on XX/XX/XXXX and again today on XX/XX/XXXX before the due date. My bank is overdrawn and now Im in a distress.
08/31/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85142
Web Servicemember
This debt was included in a XXXX XXXX that is currently being paid for, the company did not file a POC but the stay, per my attorney, has not been lifted. I did contact the company to advise of the BK and to stop contacting and direct any inquiries to my BK attorney and they are still contacting me.
07/25/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • TX
  • 76132
Web
I have hired a company, XXXX XXXX XXXX, to negotiate and help me settle the debt. They have sent several cease and desist letters to the XXXX informing them of this. XXXX has ignored all the notices and continued to send me letters threatening to send my file to a third party if I dont contact them.
11/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95117
Web
I originally applied for a loan for XXXX $ and theyre charging me a XXXX % annual interest rate. They have me making XXXX $ payments all the way into the middle of XXXX. Ive paid off the amount I was loaned. The name of the company is also different from the loan company that gave me the money.
11/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • LA
  • 701XX
Web
I have received emails from a company called XXXX XXXX XXXX and XXXX XXXX regarding my approval for payday loans that I did not apply for. I've also received text messages that I've stated to stop as well. I also have XXXX XXXX to help monitor the situation. Email Addresses : XXXX, XXXX XXXX
10/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44111
Web
This loan has an APR of 725 %. The legal limit in the state of Ohio is 28 %. I can't pay this loan back. I am willing to possibly negotiate a pay off of less than I borrowed. I am going though debt consolidation with an attorney. I should't have to pay anything because this loan is not legal.
06/29/2016 No
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • TN
  • 37217
Web
there was a loan posted to an old Checking account of mine since then I have been receiving phone calls to while at work at all times of the night and morning I 've asked them to stop calling my phone but they still continue what do I need to do they keep calling from all types of phone # 's
12/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 44266
Web
My identity has been used .. multiple cash loans have been taken out. Sky trail will not work with me and wants to money out of my account. Which my account has been changed due to identity theft. Someone has taken over my phone, my accounts, has called my credit cards and gotten advance.
01/02/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 90006
Web Servicemember
This company is calling as an attorney stating they need me to meet them at an undisclosed location to sign certified documents. I explained that this debt was opened by an ex cohabitant and then the company called my significant other and left my personal information on HIS voicemail.
10/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MN
  • 562XX
Web
Loan at last is not licensed to lend in Minnesota. To date I have paid {$750.00} on a {$700.00} loan. They are debiting my bank account {$94.00} per week, which is supposed to end in XXXX. Almost none of what I have paid already is going to the principle. This is predatory lending.
04/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07109
Web
I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
04/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07109
Web
I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
01/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MD
  • 21921
Web
I applied for a {$500.00} payday loan in XXXX and was approved. Since, I have paid {$150.00} every two weeks for my loan..which in reality, is paid off. The company ( Cash Aisle ) wants me to continue to pay PLUS in order to pay off my loan I must pay {$500.00} plus the {$150.00}.
10/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 305XX
Web
Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local DA 's office
05/22/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OH
  • 44121
Web
I ran into problems paying them back and worked out an installment agreement. I requested ( XXXX ) times verbally for them to cease and desist from all attempts to call me because they kept calling me at work. I asked them to stop calling me at work but they continued to call.
10/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • GA
  • 30094
Web
" loan Agreement '' is written in confusing legal speak to hide the massive APR on loan. I have paid {$1400.00} on a {$600.00} loan and my outstanding principal is {$520.00}. with a payoff of {$670.00} Company is XXXX XXXX owned and hiding behind " law doesn't apply to us ''.
09/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92592
Web Servicemember
I have been making my regular payments since I first received the loan. Most of the payment goes to interest and only about {$5.00} goes to the principal. And somehow the payoff amount is more than the original loan. The interest is way over the legal limit for California.
11/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33458
Web
This company has gotten more way more that the loan itself which is understandable but their collection tactics are not. They are calling my job, friends etc. I have asked them to stop and I will pay when I can. The loan itself is an illegal loan in the state of Florida.
10/02/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85257
Web
I messaged them XXXX to ask about the predatory interest and he said nothing. XXXX I asked why they did bi weekly when I was told it was Monthly and asked for monthly contract. She said sorry he lied but I signed it and I asked for changes to the term and she denied.
12/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 48237
Web
A loan for {$1000.00} Agreed payback of $ XXXX the rate of {$130.00} for 10 consecutive weeks. I look on the website, and it says {$4300.00}. That's {$3300.00} of interest on a {$1000.00} payday loan. So far, I've made 5 payments of {$130.00} each -- all on time
06/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 349XX
Web
Due to Covid 19 I have been unable to pay not only this loan but other bills such as mortgage light cable .It has not only been difficult but very depressing and hard to deal with.I am not asking for sympathy but empathy .For me to start building and growing again.
11/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33032
Web Servicemember
Evergreen services lend me money and I asked several times how much was the interest but they refused and lied to my face. This company is a scam and I want them to stop collecting payments because of false advertisement!!!!! Stop all type of communication with me.
11/24/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 486XX
Web
XXXX had scheduled a payoff amount they took that with interest added plus a regular payment as well not to mention what they charged when getting the loan was outrageous. Called was h u ng up on transfered 5 times.Customer service a joke and just argued with me.
02/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • WA
  • 991XX
Web
I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}
04/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NY
  • 11520
Web
The company has a rep by the name of XXXX who is calling my main company line harassing and leaving messages for me. The company has my email and cell phone number. The company no this rep has no right to contact me or my co workers at my job it is embarrassing
11/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33407
Web Servicemember
Try to pay off the loan and they cancelled my payment so they can charge me a extra day of interest. Called the company informed them of the situation and they hung up the phone called again and they will not direct me to upper management to resolve the issue.
12/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AK
  • 997XX
Web
In the beginning I was told I would only pay half around XXXX.every two weeks it would calculate later I took a loan of XXXX. Have payed XXXX. They want XXXX. More payments of XXXX.every two weeks I can't do it it's affecting my ability to pay my other bills.
06/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 90806
Web Older American
I received a loan for {$1500.00}. Account number XXXX. Now four months later and after making three payments of {$510.00} the loan balance is {$4600.00}. I am unable to obtain a payoff amount. This is not what I agreed to. This is usury! It is illegal.
04/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 958XX
Web
I borrowed {$1300.00} from them around the end of XXXX. My first payment was in XXXX for {$540.00} and thats when they told me how Many payments and the amount I still owed them. {$6000.00}! They said my payments will continue until XXXX of 2024.
08/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 33432
Web Servicemember
There was one missed payment and they charged an additional {$60.00} Fee on Top, and told me that I had better come up with {$300.00} otherwise it was going to collection. I borrowed {$700.00} and wasnt told up front that it was 480 % interest!
06/17/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46202
Web Servicemember
Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX Acct - XXXX
03/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NV
  • 89011
Web Older American
I asked to put the company in my debt management consolidation loan company and they said they don't work with those companies. The loan is allot higher than I expected. I'm working with XXXX to pay my debt off. Amplify won't work with them
01/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MI
  • 483XX
Web
wanted to make payments using a different payment method. I was told i could not also called and asked if i could switch the payment due dates, to make it more convenient for me to make payments on this loan. They insisted i could not.
03/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AL
  • 36117
Web
On XX/XX/2020 I received a predatory payday loan from a unlicensed lender in the amount of {$500.00}. I believe this company to be in violation of Alabama 's payday laws and legislation. Please see attachment for terms of the loan :
08/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33311
Web
This is a horrible company and even after a put a stopped payment with my bank from them going in my account, they still keep calling me and harassing me even calling my job. I think this company is a scam and they should be reported
08/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • NJ
  • 070XX
Web Older American
I was offered a {$3000.00} loan, then reduced to {$1300.00} to start paying end of the month, and then every 2 weeks to coincide with my pay day, just after 2 weeks they made 1 withdrawal and now they intend to withdraw every Friday
03/18/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • LA
  • 70508
Web Servicemember
{$120.00} was deducted on XX/XX/19 after I sent a revocation of automatic ACH debits, check debits and debit card payments. The receipt of the revocation was acknowledged by XXXX prior to them taking the money out of my account.
04/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • AZ
  • 85295
Web Servicemember
I got a call on XX/XX/2020 from a person claiming to be with Lendgreen. I do not recall ever doing business with this company. They appear to be an online tribal lender trying to do business in Arizona in violation of the law.
02/18/2019 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33810
Web
Took out loan of $ XXXX..Have paid back amount of loan plus {$210.00} they still want {$450.00} to settle account. Believe they are illegal in state of Florida based on interest rate and cap of {$50.00} per {$500.00} borrowed
08/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 18104
Web
I just learned that this is ILLEGAL in Pennsylvania. My interest rate is phenomenal and paying it off is killing me. Is there any recourse as it is ILLEGAL to recuperate the monies I have paid in to them over the past year+?
09/16/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60617
Web
I have received an automated phone call from XXXX. The automated message identifies themselves as Lendgreen. This company has been leaving automated messages for every day for more than a year, sometimes several times a day.
06/16/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MN
  • 55902
Web
I have already paid them XXXX on a XXXX dollar loan I called for my payoff balance and they say I owe XXXX they never told me my interest rate before I got the loan!!! I never received any paperwork only my payments schedule
10/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 212XX
Web
I sent an email to them on XX/XX/17 requesting that I be able to close the account and continue to make smaller payments until paid in full and they never got back to me. Paying XXXX XXXX interest is way out of my league!!
11/23/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33511
Web
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 30135
Web Older American
I've previously made two payments in the amount of {$450.00}, however I find an interest rate of XXXX % too extreme. I know this is a { 12 } month short term loan, but I find that this rate is extremely high. XXXX # XXXX
04/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32832
Web
I explained to a representative that worked for the lender, and they refused to accept my income from part-time work and discriminated against my marital status by refusing to accept my spouse 's income for consideration.
07/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • NC
  • 27526
Web
Im not able to link my account with the company such as XXXX or Bright that is trying to help me repair my credit, save money etc. XXXX keeps refusing to allow even though Ive called them and asked for it to be allowed
03/21/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 482XX
Web
I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.
06/09/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95621
Web
constant harassment and phone calls from greenline loans about a debt. calls are once a hour every hour. I want them to be fined {$1000.00} and a check issued to me for this harassment which is against the law.
06/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33065
Web
On XX/XX/2019 I applied for a loan in the amount of {$1200.00}. I did not realize the interest amount would be so high. I'm paying 773.26 % interest. The amount is {$340.00} every pay period and can't manage it.
05/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 02136
Web
I requested XXXX on XX/XX/2017 and I have been paying XXXX every two weeks since then. they are over charging me on interest and fees. percentage rate of interest is 693.49 %. I have paid a total of XXXX so far
08/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92530
Web
The interest rates are excessively high. Account went into default status and they did not want work out payment plan with me. I am paying back ten times the amount borrowed. Is there a cap for interest rates.
05/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 20706
Web Older American, Servicemember
I borrowed {$1100.00} on XX/XX/2020 they are charging me {$3600.00} which amounts to 412 % interest. I had no idea, they would charge this much I am a XXXX year old veteran on fixed income. What can be done?
04/25/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 21209
Web
Intrest rate is over 700 %. I was not told the intrest rate. Requested automatic payments be stopped. Gave 48 hours notice. XXXX. Original Loan Amount {$1000.00}. As of ( XX/XX/2020 ). {$1300.00} paid.
10/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32905
Web
I paid way over 100 % of this loan. I called to pay off principal before pay dye and they suddenly are adding additional charges. I should be clear of this loan but its predatory and not honest business
09/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 601XX
Web Servicemember
Recently I took out an XXXX personal loan with this company. I have tried to tell them XXXX is too much to pay each month. They don't seem to want to compromise such as a smaller payment over more time.
12/18/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80260
Web
They call at least once a week, every week and will not stop. They change phone numbers also. It isn't always the same number. They leave an automated message saying that they just want to talk to me.
08/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33172
Web
we agreed on a payment amount and they started increasing the amount due outrageously and would not send me any documentation to justify the increased balance. which increased every week significantly
05/21/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • XXXXX
Web
XXXX has recently contacted me, telling me that I owe them over {$600.00} for a loan that has already been paid 3 times the amount of the princial payment. The interest rate of the loan is over 700 %.
07/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KY
  • 410XX
Web
This loan company has overcharged me for a short term payday loan. They are now saying a owe them money in the amount of XXXX and I believe with all the fees and everything they have overcharged me.
01/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 92506
Web
Company has consistently told me this was funded it has net been, they are holding me accountable for this loan that was never received.I have asked to cancel I have been told I can not cancel.
12/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60181
Web
I took out this loan on XX/XX/2019 and have since found out that this company is not authorized to give loans in the state of Illinois. They are highly predatory. Loan exceeds state usury laws.
10/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48234
Web
The company calls me everyday. I have sent an email requesting my loan be considered paid in full due to the excessive amount of interest I have paid beyond the amount of the funds received.
05/25/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 11385
Web
XXXX XXXX calls me and my girlfriend about 6 times a day, about 20 times in the last week. I called to find out the frequency of the calls and was hung up and continuously put me on hold.
05/04/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • IL
  • 60649
Web
Got a call from a company called Radiant cash stating a loan was taken out in my name XX/XX/XXXX. These funds was deposit into an XXXX XXXX account which has been closed since XX/XX/XXXX.
01/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 618XX
Web
The company is not disclosing the pay off if I want to pay it off early. After researching I'm finding this is a tactic of tribal lenders since they are getting you for +600 % interest.
10/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 175XX
Web
I payed over the XXXX} i borrowed, i payed XXXX. I emailed the company XXXX and they gave me a generic answer about making different payments. I am having trouble paying my bills.
08/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97224
Web Servicemember
Original loan is for {$900.00}. Payback amount is {$4100.00}. I feel that this is in violation of Usury laws in the state of Oregon. They are also not licensed to loan in Oregon.
10/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • IA
  • 514XX
Web
I contacted them by email to stop ACH and they said they couldn't without a different payment source. The interest rate is over 400 % and they won't let me set up arrangements.
09/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 206XX
Web
They charge 700 % interest on a {$1000.00} loan when I asked about lower they said best they can do. They claim when you get a second one its lower and it is never lower.
09/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97302
Web
I borrow {$1000.00} for a payback of {$1400.00} after I got the money it says my balance is almost {$6000.00} ... I can't afford that and there taking money every week
10/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • IA
  • 52404
Web
I have hired XXXX to help me to get this taken care and they are not wiling to work with me or them they keep calling me after I told them not to call me at the number
11/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • MI
  • 48081
Web Older American
I have been a returning customer for loan at last, one day I decided to take out a new loan from the company, they said they can give me a new loan without any reason
09/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 77450
Web
Excessive phone calls during and outside of business hours, has called MY EMPLOYER multiple times to leave messages as well which is illegal and embarrassing
08/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07111
Web Older American
Didn't realize interest is compound daily at XXXX. Already paid back initial loan of {$1500.00} plus interest. XXXX XXXX XXXX is XXXX and loan # is. XXXX.
06/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08054
Web
To the loan but discover interest rate is against legal rate for my state also withdrawal on dates not authorized I have no paper work with terms ssXXXX
07/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OK
  • 73170
Web
This company charges 1000 percent interest. I didn't realize it until I took out a larger loan. This can not be legal and is completely predatory.
05/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 471XX
Web
Hello. Evergreen services has gave me an illegal APR on my payday loan. In the state of IN anything over 36 % is illegal and theres is 844.46 %
05/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • GA
  • 313XX
Web
XXXX XXXX keeps calling and emailing me saying I owe money to them and if I don't pay I am going to jail. I am not familiar with this company.
02/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MA
  • 01602
Web
Working with a debt consolidation company and the company XXXX XXXX XXXX calls with deceptive numbers using XXXX XXXX XXXX and XXXX XXXX XXXX
05/09/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60056
Web
The number XXXX keeps calling my work and cell. Threatening to damage my credit. Swearing and trying to extort additional information
08/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 20602
Web
The interest rate is illegal that they charged me. And I made payments. Its has been noted it was illegal to charge that interest.
08/15/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 20602
Web
I took out a personal loan with XXXX XXXX and they illegally charged me an interest rate that was not fair to me or my knowledge.
02/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 28562
Web
I borrowed XXXX and have paid XXXX so I feel as though I have more than fulfilled my loan. The apr is 784 %! Please help
09/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • CO
  • 80014
Web Servicemember
They tell me ihave to make the almost {$400.00} a month payments. This loan has charged me well over 100 % interest.
10/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37122
Web
XXXX with Evergreen Services called me from XXXX. He called me AFTER he called my friend and mother looking for me.
02/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92618
Web
Ive paid more than Ive borrowed and wanted to close this account as paid in full. Im experiencing financial issues
12/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 95376
Web Servicemember
The interest rate on this payday loan in XXXX is XXXX percent I thought it was XXXX percentage not XXXX percentage
02/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30331
Web
I borrowed {$1200.00}, and now I'm told that I owe more than $ XXXX. Was not told this when I did the money loan.
09/26/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 43221
Web
Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio
11/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07470
Web
Didn't realize interest rate was that high. 811 %. I did not know it was illegal to offer this loan in NJ.
11/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MA
  • 02186
Web
I got a {$800.00} loan. I lost my job and they are severely harassing me threatening to have me arrested
05/31/2016 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 20748
Web
XXXX in fees but the amount never goes down and now i am understanding the whole 700 % interest rate.
12/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 08701
Web
Company is charging 650.72 % interest. I've paid back over 2000 on a {$970.00} loan, still owe XXXX
09/23/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MN
  • 55449
Web
I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for.
08/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MN
  • 55117
Web
They call me every single day and at least 3 different times in a day. Start in at about XXXX.
04/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94523
Web
They are charging me almost 800 % interest. I was not aware of how much interest being charge.
10/17/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • KY
  • 40004
Web
Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY.
11/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • WY
  • XXXXX
Web
Approved for a loan believe they were phishing for my information and bank accounts
01/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98036
Web
I borrowed {$1200.00}, paid {$780.00} ( XXXX {$190.00} ) and still owed {$1100.00}.
12/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 28328
Web Servicemember
Cash aisles online payday loans charge XXXX for XXXX if you make monthly payments!
05/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CO
  • 80017
Web
Lendgreen is calling her 2-3 times every day. This has been going on for weeks.
09/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 27520
Web
795 % yearly apr took an {$800.00} loan 18 payments are due at XXXX $ each
05/25/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • RI
  • 028XX
Web
I already paid {$740.00} on a {$300.00} loan with another {$400.00} to pay
06/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 622XX
Web
They have charged me a 639.87 % interest rate on borrowing {$950.00}.
11/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98112
Web
701 % APR interest charged on a {$1200.00} loan
02/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MA
  • 01602
Web
Revoke my authorization to debit my account
05/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07111
Web Older American
Interest rate too high and payment.
09/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 478XX
Web
refused to reduce my interest rate
02/07/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • AZ
  • 85396
Web
02/01/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 63031
Web
01/31/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MO
  • 63031
Web
01/24/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55057
Web
01/12/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 02136
Phone Older American, Servicemember
11/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • OK
  • 74107
Web Servicemember
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95112
Web
11/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90660
Phone Servicemember
11/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NJ
  • 07827
Phone
10/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • XXXXX
Web
10/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01507
Web
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 93117
Phone Older American
09/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 75052
Web
09/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 90706
Phone
09/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08094
Referral
08/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20646
Web
08/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 02145
Web
08/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 02145
Web
07/26/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94621
Postal mail Older American
07/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 33012
Phone
06/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 94111
Web
06/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 43214
Web
06/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • IA
  • 50117
Web
05/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • NY
  • 13207
Referral
02/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NJ
  • 08723
Web
02/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CO
  • 80219
Web
02/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 45018
Phone Older American, Servicemember
02/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NJ
  • 07020
Web
01/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30157
Web
01/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28739
Web
01/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OR
  • 97223
Web
12/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • MD
  • 20902
Phone
12/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33071
Web
11/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NH
  • 03766
Web
11/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • DC
  • 20020
Web
11/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20770
Web
10/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • IN
  • 46112
Web Servicemember
10/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • NC
  • 27703
Web
10/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89180
Web Servicemember
10/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NC
  • 27856
Web
09/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 93560
Web Older American
09/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 91604
Phone
07/10/2022 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • SC
  • 296XX
Web
07/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 31321
Web Referral
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20011
Web
06/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97302
Web Older American
06/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MN
  • 55122
Web
05/05/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 21061
Web Servicemember
05/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 30707
Phone
05/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 92111
Web
05/01/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85014
Web
04/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 33065
Phone
04/25/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 90006
Web
04/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NV
  • 89149
Web
04/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85006
Phone
03/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 31210
Web
03/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 31210
Web Older American
03/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CO
  • 80013
Web
03/09/2022 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • IL
  • 60448
Web
03/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CO
  • 80132
Web Servicemember
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33309
Web
02/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • XXXXX
Web Older American
02/07/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • IL
  • 60618
Web
01/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60077
Web
01/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98155
Postal mail
01/19/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98155
Postal mail
01/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MA
  • 01085
Web
01/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32615
Web
12/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • GA
  • 30082
Web
12/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97381
Web Older American
12/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44281
Web
12/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 973XX
Web Older American
12/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97305
Web Older American
12/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97381
Web Older American
12/08/2021 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • 98103
Web
12/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89033
Web
11/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48198
Web
11/17/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 63124
Web
11/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MD
  • 20874
Web
10/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MN
  • 55438
Web
10/15/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • ID
  • 83843
Web
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32083
Web
09/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • WA
  • 98047
Web Servicemember
08/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NC
  • 27560
Web
07/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60447
Web
07/09/2021 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 45806
Web
06/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44442
Web
05/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • XXXXX
Web
05/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32810
Phone
05/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone
04/22/2021 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • IL
  • 60440
Web
04/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NM
  • 88310
Web
04/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95811
Phone
03/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IA
  • 51401
Web
03/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CO
  • 80246
Phone
03/31/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46323
Phone
03/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33311
Web
03/23/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38555
Web
03/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 703XX
Web
02/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MD
  • 21401
Web
02/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 27577
Web
02/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone Older American, Servicemember
02/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone Older American, Servicemember
01/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33133
Referral
01/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 60652
Web
12/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98023
Phone Older American, Servicemember
11/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 94118
Phone
11/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OR
  • 97302
Web Older American
09/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
Referral
09/10/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • WA
  • 98126
Postal mail
09/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98022
Web Servicemember
09/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 20706
Web
08/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90043
Phone Older American
07/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98166
Referral
07/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • AZ
  • 85338
Web
07/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 34608
Web
06/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98106
Referral
06/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 91303
Phone
06/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80020
Web
06/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone Older American
05/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 90601
Web
05/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • NJ
  • 08755
Referral
04/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
Phone
04/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone Older American
04/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • RI
  • 02904
Phone
04/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30309
Web
03/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30309
Web
03/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30039
Web
03/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32221
Web
03/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WA
  • 98007
Referral
03/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • FL
  • 32305
Web
03/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97302
Web Older American
03/02/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75078
Web
02/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 64068
Web
02/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32712
Web
02/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98208
Referral
01/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Referral
01/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 17834
Web
01/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Referral
01/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • AL
  • 36203
Phone
12/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20706
Web
11/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 02368
Web
11/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MA
  • 01038
Web
11/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NC
  • 28215
Phone Older American
11/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 33498
Web
11/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AZ
  • 85304
Web
11/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MD
  • 20901
Web
10/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08053
Web
10/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NH
  • 03087
Phone
10/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OK
  • 74070
Referral
10/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46702
Web
10/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IL
  • 60540
Phone
10/17/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63131
Web
10/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01775
Web Older American
10/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75057
Web
09/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • NJ
  • 07109
Web
09/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • WA
  • 99402
Phone Older American
09/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98012
Postal mail
09/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60447
Web
09/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VT
  • 057XX
Web
09/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KY
  • 40228
Web
08/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95827
Web
08/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 29325
Web
08/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32225
Web
08/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60428
Web
08/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60428
Web
08/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60428
Web
08/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60428
Web
08/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60428
Web
08/03/2019 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CO
  • 80228
Web
07/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KY
  • 427XX
Web
07/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KS
  • 66203
Web
07/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MI
  • 48442
Web Servicemember
06/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone
06/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30058
Web
06/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 93455
Web Servicemember
06/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46037
Web
05/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TN
  • 37129
Web
05/14/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46037
Web
05/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Phone
04/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MO
  • 64014
Web
04/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AZ
  • 85750
Web
04/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85210
Web
03/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • CA
  • 93940
Web
03/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98056
Referral
03/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • WA
  • 98501
Referral
03/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 956XX
Web Servicemember
02/18/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33054
Web
02/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MI
  • 49601
Web
01/23/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 90744
Web Servicemember
01/16/2019 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • HI
  • 96825
Web
01/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 34951
Web
01/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29585
Web
01/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 06234
Web
01/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 07029
Web
01/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 07029
Web
01/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 07029
Web
01/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OR
  • 97062
Web
12/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98632
Referral
12/19/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98632
Referral
12/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NC
  • 27604
Web
11/24/2018 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33309
Web
11/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • LA
  • 71295
Web
11/08/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 70535
Web
11/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32703
Referral
10/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IN
  • 46322
Web
10/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 35057
Web
10/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 35057
Web
10/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MT
  • 59412
Web
10/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 06234
Web
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30052
Web
10/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01852
Web
10/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MA
  • 01915
Web
10/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 79720
Web
10/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 18042
Web
09/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NV
  • 89143
Referral
09/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AZ
  • 85304
Web
09/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MD
  • 20878
Web Servicemember
08/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 17851
Web
07/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 35057
Web
07/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30126
Web
07/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 35057
Web
07/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 19036
Web
07/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 90291
Phone
07/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 90047
Phone
07/05/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 85246
Postal mail
06/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 34746
Phone
06/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08051
Referral
06/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 61448
Web
06/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 23235
Web
06/11/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 45417
Web
06/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98507
Referral
05/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 33709
Web
05/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
Phone
04/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IN
  • 47469
Web
04/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 31721
Web
04/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07109
Web
04/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IN
  • 46142
Referral
03/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
Referral
03/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 90291
Web
03/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OK
  • 73142
Referral
03/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 34983
Web
03/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60640
Web
02/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • WA
  • 98402
Referral
02/07/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 90280
Phone
02/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Postal mail
01/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08054
Web
01/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46224
Web
01/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32459
Web
12/20/2017 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NC
  • 28105
Web
10/19/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48341
Web
08/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98155
Referral
08/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • ID
  • 83274
Referral
08/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • ID
  • 83274
Referral
08/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MA
  • 02176
Web
07/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • GA
  • 30336
Phone
05/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WA
  • 98092
Postal mail
04/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 08053
Referral
04/06/2017 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 37013
Web Older American, Servicemember
04/06/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • PA
  • 16001
Web
03/25/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80910
Web Servicemember
03/19/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TN
  • 37683
Web
02/22/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 33701
Web
02/20/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CT
  • 06234
Web
02/19/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MD
  • 21223
Web Servicemember
01/20/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 49093
Web
12/15/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • PA
  • 19015
Web
12/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PR
  • 00927
Phone Older American
11/05/2016 No
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MO
  • 63108
Web Servicemember
10/06/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60415
Web
08/09/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • PA
  • 15931
Phone
08/02/2016 No
  • Payday loan
  • Can't contact lender
  • DE
  • 19931
Web
07/26/2016 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NJ
  • 07107
Referral
07/12/2016 No
  • Consumer Loan
  • Personal line of credit
  • Shopping for a line of credit
  • NJ
  • 07047
Phone
06/27/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • DE
  • 19709
Web
06/10/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NJ
  • 07720
Web
06/03/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • LA
  • 70301
Web
05/25/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • MD
  • 20723
Web
05/18/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • NJ
  • 07430
Web
05/09/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MA
  • 02472
Web
04/22/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MI
  • 485XX
Web
04/14/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48225
Phone
03/01/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • MD
  • 21075
Web
11/05/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • CT
  • 06512
Referral
10/29/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • HI
  • 50322
Web
10/20/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46235
Web
10/16/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NJ
  • 08648
Referral
10/15/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46235
Web
10/14/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • FL
  • 33613
Web
09/30/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73127
Postal mail
09/28/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • PA
  • 19104
Web
09/25/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • AL
  • 35215
Web
09/23/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MD
  • 21040
Web
09/21/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • MS
  • 38804
Web
08/07/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73099
Referral
07/23/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • MI
  • 49309
Web
07/21/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07087
Referral
07/13/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MI
  • 49309
Web
06/15/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 32068
Web
06/05/2015 Yes
  • Payday loan
  • Can't contact lender
  • IN
  • 46204
Referral
06/03/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • NJ
  • 07422
Referral
06/02/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • IN
  • 46254
Web
05/12/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 33756
Web
05/07/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • VA
  • 22204
Web
04/17/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • OH
  • 43235
Web
04/08/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22312
Web
04/03/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • NJ
  • 07042
Web
03/20/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 95670
Web
03/18/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • KS
  • 67846
Web
03/14/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48183
Web
02/26/2015 No
  • Payday loan
  • Charged bank acct wrong day or amt
  • LA
  • 70127
Web
02/06/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 74146
Web
01/19/2015 No
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60517
Web
12/10/2014 No
  • Payday loan
  • Received a loan I didn't apply for
  • LA
  • 71301
Web
12/09/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OK
  • 73072
Referral
11/05/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IL
  • 60652
Web
10/28/2014 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • PA
  • 18704
Web
09/11/2014 No
  • Payday loan
  • Can't stop charges to bank account
  • WA
  • 98012
Web