| 10/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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I took a payday loan from PAYDAY America located at XXXX XXXX XXXX XXXX XXXX, MN XXXX. The amount was {$350.00}. The agreement was to pay back the loan on my next payday on XX/XX/XXXX. I had a unexpected expense, I was wage levied for child support without my knowledge ( very unexpected ). I notified the location the day of the due dateXX/XX/XXXX via my cell phone and talked to the rep at the location. I notified her that I had thought was an error in my paycheck amount and the money will not be available for them to withdraw. The rep at the location was very nice about it and stated that she will me to figure out what happened to my paycheck. The following Monday I called the location, and let the rep know that I was garnished from child support. The representative again was very nice and courteous, She stated that I will need to talk to there Collections department and they will be able to help set up a payment plan.
The Collection Department.
I was transferred to a agent to whom which asked for my name to look up my account. She was having troubles locating my account and stated it was because I was not in " default. '' She eventually found my account, I let her know situation and let her know I am revoking authority to process my ach payment for the fund are unavailable to withdraw from my Banking account. The representative states I was unable to do that. and she wont be canceling my payment because there not allowed to. and I have to have a NSF on there system for my payday loan to go into default. I asked her about this process and let her know again. she keep stating that the only way to default is to cause me to have NS funds transaction to take place. I kindly let her know that there will not be funds in my account to take the funds again and let her know it will make my bank go very negative and cost me overdrafts. I tried to work with her and et her know that my intetions were very clear in why I was calling to set up a payment arrangement on the loan amount. She said that she can set up a payment plan for {$50.00} and paycheck til the balance now of {$420.00} for interest and a fee that has n't taken place yet because there has not been a NSF. She stated if the payment comes back then the payment plan will be set up. I asked why does it have to be that way? Why me being the consumer has to take a finance hit of overdrafts and NSF charges when I clearly was making an attempt as resolving the issue prior to the loan defaulting and getting to the point of that? She was saying there contract states I do n't have a right to cancel a payment and if I do there will be repercussions of that choice. I let the representative know again that there practices for payday loans are unorthodox and would n't be surprised if there was something not right about the situation. I let her know even on the contract it states to call and notify them if repayment will be an issue and they are willing help you.
TuesdayXX/XX/XXXXI check my bank account and notice me account is - {$380.00}. I went to the bank location and let me know that I will have to dispute the charge. I asked the bank to send the payment back to them because I revoked there permission to take the payment. The banker stated they will need to wait until it posts to the account.
I checked with the Minnesota Attorney General 's office and representative let me know to contact the CFPB in regards to this matter and the Minnesota State of Commerce.
I feel that process of the operation is set in place to cause honest consumers financial harm. There were not willing to cancel a payment via ACH processing. I did everything a consumer can do to make sure I was doing the right thing in communicating with them to correct the situation and pay back the payday loan.
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| 05/19/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I began being contacted by Payday America on XXXX XXXX. I received both a text message and a I believe a restricted number call followed by a caller Id call from XXXX. I was left a message that stated that Payday America was attempting to contact me regarding a payment that was due on my account. After I received the message I immediately contacted the company and let them know that they were contacting the wrong person. That I have no loan or pawn item with Payday America. I insisted that they no longer contact me regarding a debt that is not mine and told them to remove my number from their database. The woman on the other end of the line was rude. I told them do not text me or call me again. I then received a call and a text message on May 5th. I again contacted Payday America and asked them to remove my number. The woman on the other line attempted to get my name. I let her know that I do not have an account with them and I was not providing that but I provided the phone number and again requested that it not be contacted. I have since received two more text messages weekly on Fridays and get a restricted call followed by a caller ID call of XXXX calls every Friday as well and have contacted them every time they have called and asked them to remove my number. Today XXXX XXXX XXXX after receiving both a text message a restricted call and a caller ID call with the caller ID of XXXX I called Payday America again and again requested to have my number removed from whoever is using it on their account. The woman on the other end of the line said that there was no way to remove it and I should just " Block '' their number on my phone. I do not want my phone number that I have had for 4 years to be associated with someone 's account that has payday loans. I do not think that it is too much to ask to have my number removed. I should not have to block a phone number from calling me to avoid a company calling me regarding a debt that is NOT mine. I do not authorize them to call my cell phone for the purposes of collecting a debt. I do not authorize them to text message me on my phone that I pay for to collect a debt that does NOT BELONG to me. I want my number to be removed from the account in which it is associated and I want them to NEVER contact me regarding someone else 's debt again. I have tried 4 times to get them to remove my number and now I am here. Please help me to get them to stop contacting me!
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| 10/30/2015 |
Yes |
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- Payment to acct not credited
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Web |
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A few years ago ( between XXXX and mid XXXX ) i took out a payday loan from Payday America inc in XXXX XXXX mn. I failed to pay the loan back on its due date but paid it during tax time around XXXX XXXX. I went in to the location i originally took out the loan with my mother, there they told me that everything was fine and rushed me off never giving me a receipt. from then on i kept receiving calls from collectors saying that i never paid and demanding that i do so. When i tell them that i have already paid, they call me a liar and usually would hang up the phone on me. i was threatened with a lawsuit last year in which they told me that if i did n't pay the fees would be greater. i freaked out and paid {$250.00} on a {$410.00} bill. Again no reciept when i requested XXXX they said it was in the mail and left it as that. I also informed them that i was going through a hard time financially and that i was unsure of when i could give them the rest reiterating that i had already paid this debt. now i just received another letter threatening to sue me for XXXX dollars. i am already drowning, attempting to care for my XXXX XXXX sister and my XXXX mother, as well as my XXXX children. i feel that they are trying to take more than they are owed and its not right, even when i made a good will effort to pay a debt that had already been paid off.
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| 04/02/2016 |
No |
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- Payment to acct not credited
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Web |
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I WENT DELINQUENT ON MY LOAN IN XX/XX/2013 AND THEY GARNISHED MY WAGES IN XX/XX/2013 AND GOT PAID IN FULL FROM MY EMPLOYERS CHECKS I WAS WORKING AT XXXX XXXX IN XXXX XXXX XXXX AT THE TIME, AND IT WAS OWNED BY XXXX, OUT OF XXXX, I KNOW IT WAS PAID AS I WAS UPSET BECAUSE IT WAS MY LAST PAYCHECK BEFORE XXXX. I DO NOT THINK I SHOULD HAVE TO PAY FOR THIS A SECOND TIME AS I HAVE ALREADY PAID IT, AND THIS IS UNFAIR, IT IS HURTING MY CREDIT AND IT IS KEEPING ME FROM BUILDING MY CREDIT AND IT IS KEEPING ME FROM PURCHASING NEW THINGS THAT I WOULD LIKE TO HAVE. I TALKED WITH THE PERSON THAT WAS COLLECTING ON THE LOAN BACK IN XX/XX/2013 AND HE IS NOW THE COLLECTION MANAGER, NAME IS XXXX, AND HE SAID HE HAS NOT RECEIVED PAYMENT AND I KNOW HE DID FOR SURE 100 %. AND I HAVE NEVER RECEIVED A BILL OR ANYTHING UNTIL I MOVE OUT TO MY NEW HOUSE IN XXXX, XXXX I GOT A LETTER STATING I OWE A BALANCE OF XXXX & SUM-DOLLARS, AND IT IS WRONG, IT IS PAID OFF! PAYDAY AMERICA IS NOT THE GREATEST COMPANY TO ME, AND I DO NOT UNDERSTAND WHY THEY ARE DOING THIS. THEY ARE PUTTING ME AND KEEPING ME IN A HARDSHIP BY REPORTING THIS AND ALSO HAVING IT ON MY RECORD ; AS YES I KNOW I DID STUFF TO MY CREDIT ALSO, BUT THEY ARE JUST KEEPING IT THERE AND ITS ADDS UP!!!!
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| 06/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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I do not officially get paid until every other Friday, but due to the type of bank account I have, my bank will deposit my paycheck around mid-day Wednesdays. Payday America is trying to withdraw from my account as early as XXXX XXXX on Wednesday, and this is causing my account to overdraft due to my paycheck not even being deposited until several hours later, so now my account is overdrafted {$390.00} due to this. They did this on XX/XX/23 and overdrafted my bank account, 2 days later my bank denied to ACH and reversed the charge. Payday America completely skipped my last payday and without any warning debited my account again this morning, causing me to overdraft AGAIN. I have more bills then them and how am i suppose to pay my more important bills now that half of my paycheck has been taken before I can even get access to it myself, and with no heads up that they planned to attempt again. I have no money to even eat after the rest of my paycheck is used on my utilities and rent and will now be getting charged very expensive overdraft fees from my bank.
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| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act XXXX Accounts Acct # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please see attached.
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| 07/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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Someone from payday loan agency is threatening me and harassing me saying they will come to my house and employment. 1st of all I'm unemployed 2nd they assume that I live in XXXX Texas. 3rd I never took out a loan. 4th I don't have time for fake people to be harassing me.
They have called me twice in one month XXXX They won't leave me alone.
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| 02/28/2020 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Phone |
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| 08/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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| 04/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Phone |
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| 01/06/2017 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt was paid
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Referral |
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| 08/08/2016 |
No |
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- Charged bank acct wrong day or amt
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Phone |
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| 01/29/2016 |
Yes |
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- Can't stop charges to bank account
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Fax |
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