| 01/09/2018 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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I got a loan with Loantopia in XX/XX/XXXX and the terms was that I pay them off for 2 years at an extremely high interest rate. However it was made clear to me that if I paid off my loan earlier that I would not have to worry about the additional incurred interest.
So in XX/XX/XXXX/XX/XX/XXXX I had the money available to pay them in full. So I tried more than 10 times in the course of 2-3 months to try to make full payment. But every time I called the number listed on their website, on XXXX, in their emails, or anywhere else it would go to a terrible call center and the person would tell me that they would call me back, then hang up on me. I dealt with this for 2-3 months and never got a phone call back.
I even tried logging in online on their portal system which they say will allow me to login and make a loan payment. However their online portal is broken and does not work, every time I try to login it gave me an error message. I ended up calling the company who manages the payment portal software and they told me they are no supporting loantopia anymore, which means that I couldn't pay online even if I wanted to because it is broken.
I tried calling loantopia a few more times to pay off my loan in full. But the same thing kept happening, they said they would call me back and never got anything.
Because loantopia was in void of their own contract, by not allowing me or giving me any viable way of making a payment in full. I took matters into my own hands and closed my bank account and got a new one. So they are no longer able to take ACH transfers from my account. I also went ahead and filed a dispute on all the ACH payments that came out of my account since XX/XX/XXXX as they were fraudulent and should not have came out in the first place, as I was would have made payment in full if they provided me the means to do so.
Also on my credit report it shows the loantopia loan with a balance of {$0.00} and marked at " paid ''. So they werent even reporting this correctly. However, now their collections department is contacting me telling me they are going to send me to collections and they added additional fees to the total amount due. Saying I owe them more than {$3000.00} when technically it should be much less because I'm paying it off in full.
I am not going to make any more payments to this company because they are in default of their contract. In the email from their legal department it also says to call the legal department, but it gives me the same number that is on their website. So when I called to try to talk to the legal department, they once again told me that someone would call me back and then hung up. After 2 more tries I FINALLY got through to the legal department and the lady I spoke with was upset that I was being aggressive on the phone.
She did not understand my frustration and told me I would need to call back and speak to someone else because she didn't want to deal with me. She also said that I was calling the " wrong '' number but even in the email from their legal department it tells me to call XXXX.
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| 01/09/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me.
-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans. We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you.
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
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| 01/31/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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They have repeatedly violated ACH revocation. The first violation was in XX/XX/2019 and the company purposely ignored the revocation and went into my account without permission. The next violation they sent court documents to my house that they had no intention of filing and threatened me via email on several occasions. XXXX XXXX their collections manager sent many nasty emails, texts and calls. The amount the claim was owed is erroneous, they have not applied payments made. They threatened to contact my employer. They threatened to contact the creditors. I tried to make a payment online but there was no way to change my ach account information or view it. Instead of an " authorize payment button '' they have a button that says " continue '' but it doesn't go anywhere it just process payment without permission. I have many text message threats from the company. I have repeated emails threatening legal action. The violated the ACH written revocation again in XXXX and refused to return the money. Said they can go into my account and violate whenever they want. My bank had to step in for their fraud. They did this again in XX/XX/2019. They repeatedly threaten me, harass me, go into my account when they want and their ach system is in violation of the rules required.
I have attached just a sample of their threats and violations.
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| 08/09/2022 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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I had ACH debit set up for this loan. I have been paying regularly without issue. I contacted about refinancing the very high, predatory rate. The customer service representative states I can not speak to anyone about refinance and early pay off was not an option. I asked they stop my ACH withdrawals. He hung up on me. My next due date the ACH payment was taken out. I called back and stated I wanted an early payoff. I was going to refinance with another company. I was made to hold for extraordinarily long time. Again ACH debited. I finally sent an email explicitly stating I was contacting this entity and they no longer had permission to access my account. The ACH stopped. They began to call my work place. I asked it stopped. It did not until I threatened legal action. They are aggressive, predatory lenders who bully and harass people. I have no issue getting back on track but now they have forwarded me to the legal dept and charged fees. I have used multiple online lenders without issue. This company is overly aggressive.
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| 05/25/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received an installment load from Loantopia. I am having trouble with paying it back. XXXX the collector from Loantopia has been call my phone from different phone numbers and will not stop. I am receiving 2 call 5 hours out of the day M-F. XXXX has also called my office and spoke with a colleague regarding this debt that I owe which is a violation of my privacy. I tried to settle with XXXX but she would not compromise. After the last call with XXXX before hanging up I heard XXXX have a conversation with someone in her office stating " There's no way I'm going to let her settle for that much. I need my commission, girl '' This is starting to have a negative impact for me at work and I can't leave my phone on because she is calling from different numbers. What if I have any emergency and someone is trying to reach me because of my daughter? It's too much and it's causing me anxiety. Please help.
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| 04/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Hi my name is XXXX XXXX i was told on the phone my payments would be XXXX a month at 20 % for XXXX i said okay then they had me esign the documents so i did then the had me pay one time on the XX/XX/XXXX then they said on the XX/XX/XXXX of every month i said okay land i did but then they email me saying that i sign up to do ot every two weeks i asked them if this was a payday loan they told me no but yet they want me to pay every two weeks or they are going to get a judgement me on i told them if i would of know that i would not of done it there interested is 208 % on a XXXX loan i told them that i cant do that they said i have to and i have no rights that i sign the XXXX sign it and i have to i dont know what to do and now they want me to pay XXXX every two weeks
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| 06/22/2020 |
No |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX LoanTopia LLC. Send me A notice of settlement offer. That read Upon further review of your loan account with us, we have determined that you are eligible for the following settlement : 40 % of Balance of {$9200.00} But on XX/XX/XXXX small claims court enter a judgment for me to pay LoanTopia {$2600.00}. The have tried to get me to pay more than the judgement many times but I only have documents for the day listed above.
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| 11/30/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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