Paycheck Solutions llc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
08/17/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 76039	Web
I previously submitted a complaint against this company due to them crediting a loan to the wrong debit card, a debit card other than the one that i provided. That was complaint ID : XXXX on XX/XX/2023. I submitted documentation to confirm the above details, that they issued the loan payment to the wrong debit card. They replied to that complaint saying they have no active deductions, nor scheduled deductions from my paycheck. ( See attached screenshot ). However, now they are sending me emails threatening to garnish my wages, when I never received the loan in the first place due to them sending the loan to a debit card other than the one i provided, in writing via email. See attached screenshot of them advising they will go to court and garnish my wages ( See attached screenshot ). I would also like to note that they stated that they have not been able to communicate with me in their last complaint, which is false, ( see attached screenshot ) we had very extensive email communication, but they want to actually speak over the phone. I advised them that i want to communicate via email so everything is documented, and the only resolution they have offered was for me to set up a payment plan to repay the loan. .
05/17/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 76039	Web
I applied for a loan with this company, as i have done many times previously. We went through the process of the loan and they asked me to verify my bank account info, and debit card with the last XXXX digits, expiration date, CVV etc., the debit card they were supposed to use was the card ending in XXXX ( please see email attached ), however when the loan was processed, they deposited the funds on to a debit card that did not belong to me. They deposited the funds to a debit card that i used to payoff a previous loan, and not the debit card i provided, that actually belongs to me. The debit card thee deposited the funds to did belong to a family member ( not immediate ) that owed me money-I had an agreement with my family member to instead of send me the money, they would just pay off this loan with their debit card. Turns out the person to whom the card belongs to saw the funds deposited and unfortunately depleted the funds and i was unable to recover them. Because i never received those funds, it put me in a bind to where i could not pay them back. Now they are threatening to garnish my wages, even though they made a mistake.
01/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77086	Web
I applied for a loan with this on XX/XX/XXXX my payment was XXXX per pay period I fell behind on payments in XXXX due to XXXX i reached out spoke to a representative made she said she would help me get back caught up so i paid what she requested and was back to my normal XXXX around XXXX i start seeing my XXXX payment then a few days later a payment for XXXX and i kept getting those double charges. I reach out and tell me I didnt authorize any of these charges where are they from im scheduled to pay XXXX i asked them was my payoff she said XXXX my contract was scheduled to end XX/XX/XXXX and i still owe XXXX on XXXX dollar loan plus im being over charged XXXX XXXX and XXXX XXXX XXXX XXXX now I had a charge of XXXX on the XXXX and again on the XXXX now another today on the XXXX something is now right here and none of those charges i agreed to and they not even on my pay schedule these are random charges being sent to my account plus my regular payment was charged XX/XX/XXXX not sure what this company is doing but it's putting my account in a bad situation.
07/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75126	Web
I applied for the loan XX/XX/2023 was paying the amount of {$74.00} back until I went on XXXX XXXX XXXXXXXX with my job which means my pay is cut as well. I reached out via email XX/XX/XXXX from a response of them stating that they needed to hear from me and that they are here to help. I asked what I can do. Unfortunately, they did not offer any sort of assistance and also continue to charge my account in which there is no money in it. I also notice on the contract of a Wage assignment in which they take 15 % of your check and it shows that it is voluntary. I sent a certified letter to revoke this option as this is XXXX XXXX. They do not help if anything they double charge the interest for a {$300.00} loan and you end up paying over XXXX of the whole thing. I've also attached the letter I sent as well as the information stating that the wage assignment can be terminated at any time.
03/17/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77469	Web
I had previously filed a complaint with this company after they harassed my HR department and shared my personal information. I had reached out to them several times about a hardship and the harassment continued. Someone named XXXX who claimed he was in charge of the debt had me agree to a payment of {$50.00} bi weekly. He took my card info and a garnishment happened to my XX/XX/22 check in the amount of {$460.00}. He began harassment stating they did not receive it. He also gave me a separate number to reach him directly on which was a XXXX area code. As of today, they closed my account with them as paid off and claimed that only almost {$300.00} was paid. Which is not the truth. I am requesting my return of {$460.00} in check form or direct deposit since they have my checking info. Attached is communication from my HR department and XXXX.
03/29/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IL 60609	Web
Calls started XX/XX/XXXX they have been constant almost everyday 2+ plus time a day. I asked them to please stop calling me especially during work hours on XX/XX/XXXX i stated my work hours are XXXX XXXX - XXXX XXXX XXXX and I can not have my phone blowing up. Also sent a letter back to the company when they threaten to garnish my wages and told them they can not do that as I have no knowledge of this debt. They told me I borrowed money in XXXX and I informed them I have never heard of them and I have no knowledge of it and I had reported identity theft in XXXX and XXXX they will not stop calling and I have them blocked until they find another number and they will start again. Also what's on caller id is different to like they don't want to be known as what they are
11/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	TX 79423	Web
I got a loan from Paycheck Solutions and I've been struggling to get them paid due to not getting all of my hours. I previously requested for them to stop calling my job because I was getting in trouble. The calls stopped for a few months and about 2 weeks ago, I got an email from another employee that someone from Paycheck Solutions had called wanting to speak with me. At that time, I sent an email advising them again to stop calling my job and I received a response that they would continue to call until the account was paid. I advised that if they called again to my place of employment, I would report them. I received 2 calls from them yesterday XX/XX/2023.
03/02/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77469	Web
I had taken this loan out due to family emergencies and personal issues related to health. My debit card was stolen and my account closed. I was unable to make a payment to the company. They started harassing my HR department detailing all of the information regarding them. I reached out via email asking them to cease contacting my HR department and asked to pay less each period, as I am having continued financial strain. They told me that they wanted me to send a letter from my doctor which I refused. I let them know I'd be filing complaints as their harassment could lead to my termination.
05/26/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 79416	Web
NOTICE OF WAGE WITHHOLDING Hello XXXX, We process wage garnishment orders on behalf of your employer, XXXX XXXXXXXX XXXX XXXX We received a Writ of Garnishment order on XX/XX/2022, which requires your employer to deduct wages from your pay. These deductions may begin within the next one or two pay periods. Want to view a copy of this order? Click here Link will expire on XX/XX/2022 On a {$300.00} dollar loan they are charging 699.04 % which what they are saying I need to payback {$1300.00}. That is outrageous. I know the loan has to be paid back but not at that rate.
10/05/2023	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75010	Web
On XX/XX/23, Paycheck Solutions submitted a wage garnishment letter to collect on unpaid debt. Per Texas law, wage garnishment must be approved my court judgement. Paycheck Solutions sent a letter to my employee only requesting wage garnishment that was not court appointed or signed by a judge. Letter was only notarized by local notary in the state of IL. On XX/XX/23, I received a copy of my paystub that showed {$530.00} had been garnished as a result of the false writ of garnishment letter that was sent to the employer.
06/27/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 754XX	Web
My employer received a call today and yesterday from this company wanting an email address or fax # to send a document to garnish my wages for payment of this debt. They called yesterday at XXXX central and again today at XXXX central. I know it is not lawful to threaten or even attempt to garnish wages in the state of Texas to pay a debt.
08/01/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77014	Web
Paycheck solutions sent a letter to my HR department of my workplace saying that they want them to garnish my paycheck for the amount I owe them. I dont appreciate them doing this. Its embarrassing and its getting people involved that dont need to be involved in my personal affairs.
10/12/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 75080	Web
Calling my employer to take my wages.
01/04/2024	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75104	Web

09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	TX 76132	Web

07/26/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75126	Web

07/05/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 77707	Web

06/01/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 75181	Web

04/28/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 75234	Web

02/21/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	UT 84663	Web

02/12/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77584	Web

05/17/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 78414	Web

10/05/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 76063	Web