| 02/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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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 XXXX XXXX XXXX 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 XXXX Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXX. 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, CC : Federal Trade Commission XXXX XXXX XXXX Florida XXXX XXXX XXXX
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| 09/01/2017 |
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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In XX/XX/XXXX, I got a personal loan for the amount of {$300.00}. As I finalized the loan over the phone with a Green Pine Lending associate that assured me and my girlfriend that with interest, he total amount I would be paying back would be {$390.00}. We asked multiple times would that include all fees and everything and the person said yes. We would only pay four automatic payments of {$97.00} every two weeks fromy checking account until the XXXX was paid in full.
After four weeks pass, ( XX/XX/XXXX ) I expected the loan to be paid off but did not receive a call to confirm. I logged onto my account on the website ( XXXX ) and find that not only was the loan not paid off but the company stated I owed them {$580.00}! And that there were scheduled automatic payments of XXXX that would be taken out of my checking until XX/XX/XXXX.
After this alarming and confusing information I called the company to inquire into my loan and the associate " XXXX '' on the phone confirmed I owed {$580.00} and that there was a interest charge of {$7.00} dollars everyday charged to my account for " prolonging '' the loan. I informed the associate that the person I originally talked to did not state any of that information when confirming the details. I asked to know who I originally spoke to on the phone and was told their name was on my paper work but I was n't allowed to talk to them and that " XXXX '' would be handling my account from now on. I asked how could I resolve the situation and " XXXX '' the associate stated I could pay {$330.00} flat to absolve the loan which seemed odd considering their was a {$580.00} balance on my account.
Overall Green Pine lending knowingly gave misinformation to get me to sign a loan with them. I also noticed after talking on the phone with them, I can no longer log into my account on their website as if they blocked me from viewing information on the account.
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| 05/01/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay.
I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude
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| 12/02/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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Due to an unauthorized entity gaining my checking account information I advised White Pine Lending that I neede to revoke my previously granted authorization to present ACH debits to my bank. White Pine accepted my revocation and advised me that I had til XX/XX/XXXX to come up with a new payment method. On or about XX/XX/XXXX White Pine declared my loan in default ( mind you the payment was due on XX/XX/2016 ) and has begun to email me multiple times and also calling me multiple times. Additionally I asked the entity to not contact me at work but they have attempted to contact me at work.
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| 07/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I applied for an emergency payday loan to pay my light bill. I was approved for {$300.00} on XX/XX/XXXX. It wasn't disclosed about high interest rates on this loan. The payments were set up by ACH each pay period for {$90.00}, which is every two weeks. I have made payments totalling {$420.00} as of XX/XX/XXXX. I am showing a payoff still in the amount of {$380.00} plus XXXX on my next pay date if I decide this.. If not this {$300.00} loan will be paid off after 14 more payments of {$90.00} totalling {$1300.00} This is Insane!!!. A complete Rip off!!!
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| 12/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$290.00} I initially applied for payday loan with the understanding that I would be charged small bi-week interest rate until I payoff the full amount. Apparently, I was NOT! AWARE! of the small fine print that the company was charging 400 % more than what I was charged. This company refused to to accept that fact they mislead me with their fees and interest and all they said was it was my fault because I didnt read the contract.
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| 07/08/2015 |
No |
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- Can't stop charges to bank account
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Web |
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I did not apply for a loan. Received no money. But for some reason this company thinks I took at a loan. They showed me a contract that does not even remotely look like my signature. I told them to send me an affidavid and I remoke them from charging my account. I have looked at my account several times. There is not money there.
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| 10/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I took this loan out on XX/XX/2019 for only {$500.00}. Please see attachment for the outrageous interest rates they charge. They are charging 782 % which is illegal in the state of Ohio. Their max APR is 28 %. I shouldn't have to pay this loan back as it's not valid in the State of Ohio especially if they are not licensed.
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| 03/24/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order.
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| 05/28/2015 |
No |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX
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| 11/07/2016 |
Yes |
- Debt collection
- Payday loan
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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The collector has been contacting before XXXX local time and after XXXX local time. I want the company to cease and desist all contact with me other than by US Postal Service.
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| 07/01/2016 |
Yes |
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Web |
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I am working with a credit counseling service to deal with my debt issues. The company, Green Pine Lending, is calling before XXXX local time and is also harassing friends.
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| 05/26/2016 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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CALL ME AT WORK WHEN I HAVE TOLD THEM I CAN ; T RECEIVE PHONE CALLS AT WORK. CONTACT FRIENDS/SUPERVISORS ABOUT DEBT
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| 06/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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| 11/30/2019 |
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 |
Servicemember |
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| 03/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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| 03/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Referral |
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| 01/22/2019 |
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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Phone |
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| 07/05/2018 |
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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| 10/28/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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| 08/30/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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| 01/22/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 08/12/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 03/31/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Threatened to take legal action
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Web |
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| 03/11/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 03/10/2015 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 02/10/2015 |
Yes |
- Debt collection
- Payday loan
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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| 12/23/2014 |
Yes |
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Referral |
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