ZARVAD III S.A. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 90250	Web
This is the company response after stating I paid them a total of {$1100.00} even though I only received {$770.00} : MyPaydayLoan.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX . XXXX XXXX XXXX Dear XXXX, In acknowledgment of the email we received, we would like to clarify the issues pertaining to the transaction you originated with Mypaydayloan.com. First, we wish to remind you that all correspondence from Mypaydayloan.com is copyrighted, and you consented to such before applying for an advance. Specifically, the website states : Except where expressly provided otherwise herein, all emails, comments, feedback, information or materials submitted to Mypaydayloan.com through or in association with this web site ( " Submissions '' ) shall be considered Mypaydayloan.com 's copyrighted property. By providing such Submissions to Mypaydayloan.com, you agree to assign to Mypaydayloan.com all worldwide rights, title and interest in the copyrights and other intellectual property rights to the Submissions.Any publication, posting, or dissemination of such information is in direct violation of this agreement and you will then be liable for copyright infringement, disclosure of confidential information, and breach of contract. Additionally, because it would be difficult, if not impossible, to determine the amount of damages to Mypaydayloan.com, you will be liable for liquidated damages in the amount of {$25000.00}, per violation, for your publication, posting, or dissemination of information from or relating to Mypaydayloan.com. You agreed to this provision immediately after your email was validated, and before you proceeded with the application. Failure to remove any postings within two business days of receipt of this letter may result in a civil suit for liquidated damages.Mypaydayloan.com is a XXXX XXXX corporation with servers, offices, employees, and all other important elements of the transaction located in XXXX XXXX. You engaged in an unsolicited transaction with Mypaydayloan.com, a XXXX XXXX company. Furthermore, in the contract you agreed that the transaction would be deemed to occur in our country, XXXX XXXX, and you agreed to be bound by XXXX XXXX XXXX.Specifically, the contract you signed in order to receive an advance clearly states : GOVERNING LAW : Both this agreement and the application is considered to be executed at our offices in XXXX XXXX, XXXX XXXX, and this transaction and agreement with us shall be governed by, construed, and enforced solely in accordance with the internal laws of XXXX XXXX.Forum selection clauses, like the one above, are supported by U.S. case law. For example, see the opinion of the United States Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX ). Likewise, U.S. courts have upheld the sovereignty of foreign entities engaging in unsolicited business in the United States. XXXX XXXX XXXX, XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) Furthermore, the controlling forum for a contract is determined by the lex loci contractus, which is the law of the place where a contract is made. A contract is deemed to be executed where the final act necessary to make it binding has been completed. In this instance, the transaction was not binding until reviewed and approved by Mypaydayloan.com, after they received all information from you to make a decision to enter into the agreement. Hence, the final act to make the transaction binding was in the jurisdiction of XXXX XXXX, and that countrys laws are binding. See e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .Lastly, any comment about specific interest rate caps based on the laws of your state simply do not apply, as the money transferred to you was an advance on a check, and not a loan. There are important differences that are a benefit to you and should be clarified.First, in order for a transaction to be a loan, it must accrue interest. You were charged a flat fee per {$100.00} dollars advanced. Because a fee is not interest, there is no accrual element to this transaction. When you defaulted you were not charged a percentage of the unpaid balance. You were charged a fee for defaulting, and you may have also been charged an NSF fee, if applicable, both of which you agreed to in the contract.Secondly, if a transaction is a loan, it has a compounding element whereby any unpaid charges would be included in the interest calculation and added to the total amount owed. Instead, in your transaction with us, you agreed to be charged flat fees for overdue balances and other breaches of your contract. Those fees do not compound or increase as the unpaid balance goes up.As such, the standard usury lawsor maximum allowed interest ratesdo not apply to this transaction. This principle is no different than when your bank charges you an overdraft fee to cover a check where there are not enough funds in the account to cover the check. You were advanced funds based on your next check from your employer. So whether that was five days away or twenty, the fee is the same.You are hereby advised to abide by the agreements in your contract with Mypaydayloan.com, and contact the collections department to make a payment arrangement. Failure to do so within two business days of receipt of this letter will result in your account being reported to appropriate credit agencies as in default of your obligations, and sent to an outside collection agency, which will subject you to additional fees and may prevent future credit transactions with other companies. Please govern yourself accordingly. The current balance is {$1300.00}, we can split it in 12 biweekly payments of {$100.00} starting on XX/XX/XXXX. Sincerely, XXXX XXXX. XXXX ext XXXX This company continues to call my cell phone and my work phone after being told to cease and desist contacting me.
02/04/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	RI 029XX	Web	Older American
I have paid these people a lot more money back than the original loan was made for.I have asked them to stop phone calls and communicate thru USPS mail only but they have refused to do this as per the attached emails from them. Under the Fair Debt Collection Act they are supposed to respect my wishes but they choose not to. Thier interest rate is INCREDIBLE and I explained I can not pay any more money to them. Please read their responses to my emails : XXXX : You have n't scheduled your payment yet, please reply back to assist you. RE : You have n't scheduled your payment yet, please reply back to assist you. Mypaydayloan.com Add to contacts XXXX Keep this message at the top of your inbox To : XXXX XXXX, We are not able to cease collections activity, unless I have a payment scheduled for you. I have made notes of our conversations, but unfortunately, I will not be able to stop calls or emails, until we have something set up for you. As the original creditor from which you took funds, we will continue to attempt to recover those funds until payment in full is received, as I have already advised you. Your options for repayment have been presented to you. Thank you, XXXX From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX To : Mypaydayloan.com Subject : FW : You have n't scheduled your payment yet, please reply back to assist you. ONCE AGAIN ... .READ MY REPLIES!! NO MORE PHONE CALLS OR I WILL REPORT YOU TO THE FTC AND MY ATTORNEY GENERAL. CONTACT ME ONLY BY MAIL PLEASE. I HAVE NO MONEY TO PAY ANYMORE AND I HAVE PAID YOU BACK PLENTY OF MONEY COMPARED TO ORIGINAL LOAN AMOUNT. MY LAST RESPONSE TO YOU ON THIS MATTER. ABIDE BY THE LAW AND MY RIGHTS UNDER THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT. XXXX XXXX From : XXXXXXXXXXXX To : collections @ mypaydayloan.com Subject : RE : You have n't scheduled your payment yet, please reply back to assist you. Date : Fri, XXXX XXXX 2016 XXXX XXXX In that case I shall report your company to the FTC about your high interest rates and not respecting the consumers wishes to not be harassed with phone calls and emails. I will forward your emails to the FTC and show them you do not follow their rules about stooping contact with consumers when they request that you do.. My final word on this matter. XXXX XXXX From : XXXX To : XXXXXXXXXXXX XXXX : RE : You have n't scheduled your payment yet, please reply back to assist you. Date : Fri, XXXX XXXX 2016 XXXX XXXX XXXX, We are sorry to hear that, unforutnately, there is nothing else we could do to help. The account will remain on the email and calling list, where collection procedures will continue for a alloted time while it is in default. Once that time has expired it will be forwarded to a collection agency where it will be charged additional default fees. Thank you, XXXX From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Sent : Friday, XXXX XXXX, 2016 XXXX To : Mypaydayloan.com Subject : RE : You have n't scheduled your payment yet, please reply back to assist you. No sorry, I am broke. Please do not call or email me or any person associated with me anymore about this loan in accordance with the " Fair Debt Collection Practices Act ''. Thank You, XXXX XXXX From : XXXX To : XXXXXXXXXXXX Subject : RE : You have n't scheduled your payment yet, please reply back to assist you. Date : Fri, XXXX XXXX 2016 XXXX XXXX Hello XXXX, Thank you for the reply back. The balance is {$550.00}, minimum due is {$250.00} and next due date is XXXX. Please remember this is not an installment loan ; it 's a 2 weeks check advance and meant to be paid in full on your next payday. Do you want to schedule at least the minimum due for XXXX? Thank you, XXXX From : XXXX XXXX [ XXXXXXXXXXXX ] Sent : Friday, XXXX XXXX, 2016 XXXX To : XXXX
10/27/2018	No	Payday loan, title loan, or personal loan Pawn loan	Can't contact lender or servicer	CA 92021	Web
The complaint I have is regarding a payday loan through a place called Mypayday loan. I requested a loan from this company in XX/XX/XXXX. The interest rate was very expensive and became unbearable for me to continue to pay. So, I researched and found a program to assist me with paying off what I owe. The name of the company is XXXX XXXX XXXX. This company assured me that they are able to Settle My Debt, including this Payday loan company. XXXX XXXX XXXX, informed me, to forward any correspondence from any of the collectors, that I have enrolled under their program, so they may contact the creditor directly. This would allow XXXX XXXX XXXX, to offer a settled amount, so that I may pay. I spoke with XXXX XXXX XXXX, on several occasions to inquire whether a settled amount was received from My Paydayloan, however, XXXX XXXX XXXX, stated that they were unable to speak to anyone at My Paydayloan. XXXX XXXX XXXX, stated they contacted My Payday Loan several times, and very unable to speak with anyone, nor did MyPayday loan return their call. I started receiving emails from MyPayday loan, regarding the amount I owed, I contracted XXXX XXXX XXXX and spoke with different Representatives and was informed to email all correspondence to them. So, that they may follow up with Mypayday loan. As I continued to receive emails from my MyPayday loan, I would forward them to XXXX XXXX XXXX. On XX/XX/XXXX & XX/XX/XXXX, I started receiving calls from the collection agency ( My Payday loan ). Phone # XXXX, ext XXXX. The Representative name is XXXX XXXX is stated that she was calling from the mediation department. She went on to say that they have received a legal compliant from the XXXX XXXX County for insufficient checks, in the amount {$2900.00}, afterwards, she stated the amount should be {$1600.00}. The two emails were from : XXXX XXXX and XXXX XXXX from ( My Payday loan ). I informed Ms XXXX that I was enrolled in a debt settlement program and offered her their phone #. Also, I suggested that we conference call the debt settlement company, however, she declined the conference call. Afterwards, we set up payments for 6 months and that they would debit my bank account starting : XXXX, XX/XX/XXXX @ {$130.00} on each of the above appears on my bank account as " XXXX XXXX XXXX ''. After I received the email on XX/XX/XXXX, from Ms XXXX to authorized my bank account to be debited. I realized the amount on the paperwork ( email ) was not the amount in which we agreed upon over the phone. I called Ms , XXXX back and left her a message informing her that the agreed amount on the email was different from what we discussed. Afterwards, I contacted, XXXX XXXX XXXX, and spoke with XXXX on XX/XX/XXXX @ XXXX XXXX, and requested to have My Payday loan removed from their program and explained that I decided to pay the collections ( My Payday loan ). I called back XXXX XXXX XXXX and spoke with XXXX, to confirm whether the account for XXXX XXXX XXXX was removed and to inquire about the new amount, which would be debited from my account. XXXX stated My Payday loan, is not licensed in California and suggested that I contact my bank and cancel my bank card and stated they would remove My Payday loan from the program, until everything is settled. Lastly, XXXX suggested that I contact the Federal Commission Fair Trade. Afterwards, I have received calls, from the collections ( My Payday loan ), a total of 5 times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My Payday loan have left messages on my place employment, before XXXX XXXX. Also, on XXXX, they called my mom mobile # on XX/XX/XXXX. Lastly, I would like to resolve this matter as quickly as possible. I appreciate any assistance I could get. Thanks XXXX XXXX
11/03/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL XXXXX	Web
On XX/XX/2018 I went online to acquire a short-term payday loan. Mypadayloan.com phoned me in minutes of hittingbthe send button. The rep from that company disclosed the terms of the {$500.00} loan. I would pay {$120.00} for 6 pay periods and on the last payment, I would be charged an additional {$150.00}. I signed that contract that day. When I went to print the contract, there was a different contract with different terms of which I didn't sign. I called the company on Monday, XX/XX/2018 when the funds were disbursed into my account bringing to their attention those weren't the terms that were disclosed to me, and where was the contract that I signed. I was assured not to worry that {$120.00} Would be deducted by ACH from my account. The first payment was to be withdrawn from my account on XX/XX/XXXX. On XX/XX/2018, there was a check that MYPAYDAYLOAN had devised to withdraw {$150.00}. I immediately called them and stated those weren't the terms that I agreed to, and was told because I didn't call two days prior, there was a late fee added. This is when the dispute started. This company started to call my place of employment of which I clearly stated upon initiation of the contract, to not contact me there. That request fell upon deaf ears as they called me two more times at my place of employment, and I had to tell them that I would file a complaint with the attorney general 's office if they called my job again. I'm going through some dire financial problems and informed them of that by sending several emails. Two or three times per day, a different person would call from different phone numbers representing this company. They called me so much that one day at my job, I began to sob uncontrollably due to the stress MYPAYDAYLOAN had inflicted upon me with the numerous calls. I told them in good faith they gave me the {$500.00} and I did want to settle but on the original terms. I've paid them {$150.00}. They are saying I owe them an additional {$1200.00}. I then began to investigate their company to find they are scam artists. They told me they have sent all this information to my credit files, as well as to XXXX, whereby preventing me from all check writing. No scam artists should have the ability to ruin a consumer in such manner. Your prompt attention regarding this matter is greatly appreciated. Kind regards, XXXX XXXX
12/29/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38016	Web
On the morning of XX/XX/XXXX, XXXX XXXX contacted me by phone stating she was calling from XXXX representing mypaydayloan.com on a loan taken out in XXXX for XXXX. She stated that I would have a warrant and subpoena sent to my employer for garnishment of wages and that I would have to show up in court and that she would be reporting this information to the credit bureaus and check companies. She also stated that the post office told her that there were certified letters sent to my address over the last few years to which I told her that I never received any letter. I notified her that this company filed a claim in my bankruptcy case to which she stated that this was a crime and considered a bad check and can not be included in a bankruptcy. I hung up on her and contacted the post office in XXXX TN to inquire about the certified letters to which the supervisor told me this was not true. I also reached out to mypaydayloan.com to find out what was going on to which the agent told me he saw the emails back in XXXX where the collections XXXX XXXX got the case info, attorney, etc from me to file the case. He also informed me that the collection agency to contact was XXXX XXXX XXXX to which ara is a third party of them, but could not tell me why my case went to collections after the bankruptcy case information was provided to them. The information was given to them in XXXX of XXXX but turned to collections in XXXX of XXXX. I called XXXX XXXX and was told the account should have never been turned to collections and should have been categorized as bankruptcy. The rep XXXX XXXX has threatened me with garnishment, a subpoena, a lawsuit, credit reporting. She did not state that she was attempting to collect a debt at no time whatso ever during the call. I asked her numerous times if she could provide me with something in writing to which she would not do although I asked. She did not try to help me figure out what was going on or try to resolve. She just threw out mediation, garnishments, etc. She also would not give me a case number. The people I spoke with was XXXX, a supervisor at mypaydayloan.com ( XXXX, Supervisor at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ext XXXX. I have a transcription of XXXX XXXX 's voicemails as well.
10/18/2017	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90630	Web
Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd ( that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. I need these scammers to be prosecuted for stealing my personal information. I very much appreciate immediate attention to this matter.
11/12/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 950XX	Web
I scheduled a payment in full when applying for loan. The loan amount was {$390.00} and was a payday loan with an approved ach for the full amount on the due date as part of the application. When due date came they charged me a non-payment fee and continued to do so every 2 weeks a total of 3 times instead of taking the full amount. No reduction of principal or balance was made as a result of payment of the fees. I ended up having to pay the full amount of the loan plus {$270.00} in fees they debited from my account as a result. At no point in time was any notice provided that these {$90.00} fees were being assessed. I did several loans with this company previously and had no issues with the full payment being deducted at the due date as requested during the application process. This was a change in service and clearly meant to get far more than the agreed amount from me as the customer. To make matter worse when I called to figure out what was going on after noticing the full amount hadn't been deducted and that there were instead 3 {$90.00} charges on my account, I was faced with someone who informed me that all this was within the terms of the contract. Further the individual I spoke with would not answer a direct question asked over a dozen times " are you going to help me or not ''. Instead the representative kept repeating the supposed terms of the agreement, which I am unable to review. Even when asked multiple times just to give me a yes or no answer if they were going to help. I do not dispute that the terms allow for late fees. I DO dispute that I did not request payment in full be ach deducted from my account. I DO dispute that I should have been assessed any late fees. I DO dispute that no payment at all was applied to the balance due when changing the fees. Further, their website does not allow for review of loan documents once the loan is approved. So I have no way of verifying any claims from MyPayDayLoan. This customer service experience is one of the worst I've ever had. My Pay Day Loan has done nothing short of stolen {$270.00} from me.
01/24/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29651	Web
My brother and ex sister-in-law received multiple calls about my debt even though I asked them not to contact me or anyone else about this debt. Here is a transcription of the message left today XX/XX/XXXX : Hello. XXXX XXXX XXXX, My name is XXXX XXXX. I'm contacting you today, in reference to a claim that is being filed, the claim is not being filed against you. XXXX, it is however, being filed under the name of and against XXXX XXXX XXXX birthday XX/XX/XXXX. She is XXXX XXXX of age. Now I'm required to make you aware XXXX that your name and number has been listed as a point of contact for XXXX XXXX XXXX. It also appears that your residential address may be listed as a possible likely place of location along with her home address and her place of employment. Now, the claim is schedule will be processed today with the current information that's on file. However, XXXX of you or XXXX XXXX, you have any questions or concerns regarding her claim. I would suggest contacting that filing office right away that can be reached directly at XXXX. Again XXXX. Bear in mind. XXXX make XXXX aware she would need to contact them prior to the order of location being executed out for her because at that point, her claim would be discharged out of that office, XXXX then forfeit, not only the right to speak with them, but at that point, she would be officially forfeiting any and all other rights that she may be entitled to currently through their office as well. XXXX XXXX XXXX, it is being documented that you have been notified. However, we will proceed with the order location for XXXX XXXX XXXX XXXX XXXX of age regarding claim number. XXXX XXXX. Unless we do receive other instructions right away from that filing office. Uh That number again. XXXX. Thank you. I contacted them today spoke with XXXX XXXX at XXXX, who is " collecting '' on their behalf. He said that MyPayDayLoan said this was fraudulent since I did not pay it but I was laid off. I was strong armed into setting up a payment plan. XXXX 's phone number is ( XXXX ) XXXX
12/01/2017	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	NM 873XX	Web	Servicemember
I am in the process of filing for debt relief and was advised that I had to reach out to the company and request a stop payment. I was advised that I had to follow the procedures listed in the contact in order to request said stop payment. Upon reviewing my contract, it only states the following and gives no address or specific address to do the cancellation. AUTHORIZATION FOR ACH ELECTRONIC FUNDS TRANSFER PAYMENTS : I hereby authorize any third party processor, on behalf of Mypaydayloan.com, to initiate ACH debit/credit entries to my bank account for all payments due under this Agreement, including any returned unpaid item fees due, as well as all payments due under any future renewal Agreements. I further authorize the Financial Institution at which my bank account is held to debit/credit the same to such bank account. This authority is to remain in full force and effect until any third party processor, on behalf of Mypaydayloan.com, and the subject Financial Institution have received written notification from me of its termination in such time and in such a manner as to afford the third party processor on behalf of Mypaydayloan.com, and the Financial Institution, a reasonable opportunity to act on it. I understand that I may cancel this authorization by providing written notice to the third party processor on behalf of Mypaydayloan.com at least three ( 3 ) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of the responsibility of paying all amounts due in full. Customer understands that payments through the ACH system are not a condition for credit, and Customer may make payments by mail, or other approved methods upon written notice. Customer also acknowledges reading the Electronic Signatures In Global and National Commerce Act Notice ( below ), and consents to use documents in a digital form. In addition, any contracts and payment authorizations will be considered binding in a digital format.
10/22/2017	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NV 89084	Web	Older American
On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}. I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
07/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 38834	Web
I received a loan from ( mypaydayloan.com ) On XX/XX/2020 I was deposited {$400.00} into my account. My payment date was XXXX XXXX you have to submit a payment a few days before. Their website payment options is pay full amount {$520.00} OR pay minimum amount {$120.00}. I paid {$120.00} the minimum because of the coronavirus I was struggling to get everything paid for being the only one working and husband wasnt set up on unemployment yet. Every 2 weeks they would take out the {$120.00}. In XXXX I looked at my account and they are claiming I havent made a single payment yet. I called them and the man I spoke with barely spoke XXXX, told me I still needed to pay the {$520.00} that all I was paying for was renewing the loan for the next 2 weeks for {$120.00}! They have renewed my loan apparently 10 times! After not getting anywhere with him I emailed the company and sent them pictures of my account and how much I have paid. I only got an email saying I havent paid a single payment yet. I live in Mississippi, the laws are very different here. They said the MS laws dont include them. I honestly dont think this is a legit company from XXXX XXXX. On their website it says they are licensed in MS , I dont think that is true either. However, I have paid this company {$1200.00}! Every 2 weeks {$120.00} comes out of my account. If I had know I wasnt paying on the principal I would have paid it off when I got my stimulus check. Their website is very misleading! They are scheduled to take another {$120.00} out XX/XX/XXXX. I have certainly learned my lesson on online loans. These companies will take advantage of people who are in need from the pandemic.
08/22/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IN 468XX	Web
I received another call today including a previous call that I reported from XXXX on XX/XX/XXXX at XXXX p.m. On this phone call I was informed that this person was calling to work our an arrangement on a debt. I informed him that he never mentioned it was an effort to collect a debt and proceeded to give personal information without notifying that it was an attempt to collect a debt which should be done on every phone call because he does not know if he is even speaking to the correct person when the call is answered. He said he did on the first call when he called me on XX/XX/XXXX which I do not remember. A XX/XX/XXXX phone call does not verify he is talking to the correct person on XX/XX/XXXX without verification. I informed him that he said my own personal information to me without having me verify which seems like a scam to me. On this phone call I expressed how I did not agree with the collection practices and how I felt it was a violation of the Fair Debt/Credit Practices. The gentleman became irate and expressed that this company paid off my debt with My Pay Day Loan and that I owe them in return, but never mentioned the company name. I have never received any information stating that this happened nor is it listed on my credit report. If the debt has been paid, then why am I being contacted? The gentleman also expressed that they would not accept any payments from me and would be reporting it to have my wages garnished. I called the # back to find out the name of the company that was handling the debt for My Pay Day Loan, but the gentleman hung up on me once he realized I knew it was a scam.
09/09/2016	Yes	Payday loan	Can't stop charges to bank account	NM 87121	Web	Older American
I took out a total amount of {$700.00} from this payday lender. To date I have paid them back {$990.00} in interest only. XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX On XXXX XXXX, 2016, I placed this account in the hands of XXXX XXXX XXXX and let My Pay Day Loan know that they would be contacted by XXXX XXXX to make arrangements with them to set up a payment plan to take care of the outstanding balance. I provided them with all the information they needed for this process. They responded stating they do not work with 3rd parties that that I would need to pay them directly. they continued to charge my bank account which was already overdrawn and they have been denied on XXXX pay dates causing me to incur another {$100.00} in fees on top of what I have to pay the bank back. The bank tried on two ocassions to place a stop payment in place but this payday company uses different methods and company id 's to obtain their payments so it has been to no avail. I told them again that they would need to contact XXXX XXXX XXXX and work with them. Again they responded and stated that they would not work with them. I gave their information to XXXX XXXX at XXXX and asked that he call XXXX and see if he could get them to set up arrangements. This is in process. I ca n't pay my bank back if they continue to attempt these payments. In addition, they call me consistently at work, leave no message, and on my personal cell phone, leaving no message if I do not answer.
09/17/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	OH 43612	Web
On XXXX/XXXX/2016 my human resources manager came to me with concern over a phone call that she received from a " XXXX XXXX '' asking her what our company 's procedure regarding them coming to remove me from the company. I looked at the phone number she had written down and recognized it to be that of a collection agency that I have dealt with in the past regarding a online payday loan with " my next day cash '' I called and spoke with a male who would not let me speak with XXXX XXXX and who went on to describe the debt and informed me that it was check fraud, several attempts to serve me with a warrant had failed, so now they were coming to my job to " remove me '' The debt with " My next day cash '' is 2 years old. The reason that I received a loan from my next day cash is because I had run into some financial difficulties and I needed the help. I was making my payments until I again ran into some financial difficulties with my husband and the IRS. The phone call upset me and the human resources manager as I have told them to stop constantly calling my place of employment. They have my cell number and house number and they also have my email address to contact me. I concur that their collection practices are a violation of the debt collection laws with their blatant threats to incarcerate me and constantly interrupting my place of business, when they were told to stop. I did not get the gentlemen 's name who I spoke with but he informed me that he was with XXXX XXXX and my case number is XXXX. They were calling from XXXX.
07/03/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web
I took out a payday loan for {$480.00}. I paid {$300.00} back right away and my hours got cut. They said I owed {$620.00} still ( after a week ). I revoked my ACH and have not paid anything since. They told me they will report me to XXXX for my returned check. I never sent a check.They told me they would send me to collections and charge me 35 % more than what I owe. I don't even have a copy of my signed loan contract. Just a contract with my name and no signature. I have requested one and haven't ' received one. They have not even tried to work out a EPP which is also a WI law. Of all the things below they haven't done any of them, they are violating law. See below ... .... State Guide to Payday Loan the document contains information on payday loans. It is prepared by the state of Wisconsin to inform buyers about the nature of the loans. Repayment plan offers the lenders are required to present repayment plan offer to the borrower in case of a default of the loan amount. The state of Wisconsin allows repayment of the loan amount in 4-equal installments with no additional costs. The limit for one payment plan offer is 12 months. Keep in mind that the state of Wisconsin has put a collection fee limit of {$15.00} per check. The state rules dont allow the lenders to take criminal action against the persons that default on the loan. If you have any complaint against a payday loan lender, you can contact the Wisconsin Department of Financial Institutions.
01/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	SC 291XX	Web
On or about XX/XX/2018, I found myself in financial distress. I foolishly logged into the XXXX XXXX website and requested an online payday loan. I was matched with www.mypaydayloan.com. I completed the application for a {$300.00} loan, then changed my mind and contacted this company to revoke the application. They deposited the funds despite this request. I left it alone figuring a company linked to XXXX XXXX would be reputable. On XX/XX/XXXX, my first payment was deducted automatically from my checking account in the amount of {$90.00}. I logged on www.mypaydayloan.com to check my documents and found I could not access anything. Because that triggered my instincts, I revoked the ACH authorization. This " company '' then began threatening me. I emailed this company on XX/XX/XXXX, XX/XX/XXXX asking for a mailing address and requesting that the threats cease. This " company '' continued to refuse to provide a mailing address and demanded my debit card number. I requested a mailing address AGAIN on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX , the " company '' again refuses to provide an address. I requested again onXX/XX/XXXX. They again refused. I requested again. On XX/XX/XXXX they disclosed that they are in XXXX XXXX. On XX/XX/XXXX, they threatened to sue me for {$25000.00} if I did not remove complaints I filed against them. I again asked for an address. I need help. I have attached all email correspondences.
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 payday loan on or around XX/XX/2019 for the amount of {$800.00}. This amount was deposited on that date. The loan does have a two week term in which is to be paid in full within that time. I was not able to do that so renewal fees were assessed. I do not recall the rate of which these fees were calculated and am locked out of the account at this time so I am unable to see them or get other information. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1200.00}. 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 XXXX and XXXX XXXX. I am getting help for this problem. I have contacted my loan manager, XXXX, several times as this is now in default. I have asked for a settlement of which he will not accept less than {$1000.00}!! Making me pay a total of {$2200.00} for a {$800.00} loan! 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!!
03/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 92336	Web
Last month in XXXX, I was searching for an installment payday loan. I was in contact with a company in XXXX, Ca., I needed to submit additional information, but I was at work and unable to send them the information. The next day, I discovered the money I was asking for in my bank account. I presumed it came from the company in XXXX, it was not. It was from a different company. They just put the {$1000.00} into my account. With that said, I did need the money, so I went on about my way. A month later, I decided to pay off the loan, only to discover I was RENTING the {$1000.00} for {$300.00} every two weeks. When I called the company and told them my story, they did not believe me. I do not remember agreeing to this account or the way payment was to be collected. I spoke to a man and he said, " You did not read your contract ''. When I continued to come to an agreement, he said I was threatening him, so I disconnected the call. I was told by a friend that their loaning process is illegal. I feel I was trapped because no one spoke to me over the phone nor did they have me sign a contract. Please assist me in this matter. This " company '' has already received {$600.00} on a {$1000.00} loan. I also believe this company got my information online and just acted. The company in XXXX actually had a live person to speak, whom I thought this loan came from. Thank you
10/09/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 92618	Web
I revoked ACH privileges on XX/XX/19 so I can negotiate a lower settlement. I'm now being threatened by Mypayday loans that as a result of me revoking ACH privleges that is the same as writing a bad check. I do not believe this is the case since mypayday loans should not try to process the ACH payment. This is my understanding. Please see their Email to me Below : Minimum Payment now due : XXXX Account Balance : XXXX Please be advised. Bank Returned Payment due to Authorization Revocked As a result, your advance with us has been in default since XX/XX/2019. We understand that banks can be confusing with credits, debits, direct deposits etc., and mistakes happen to cause non-payments to occur. We know that this accidentally happens at times and we would like to give you a chance to clear this matter up. However, this default has been reported and it will hinder your check writing privileges. Please contact our offices IMMEDIATELY to make full payment or at least the minimum payment in order to bring your account back up to date and have the negative check removed. Please call me at XXXX or email so we can continue to have you as a valued customer and avoid unpleasant repercussions as a result of this payment oversight. Keep inmind that an ACH transaction is the same as writing a bad check, and it will be treated as such.
10/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 90291	Web
On XX/XX/2018 I received a {$300.00} payday advance from mypaydayloan.com with the understanding due to language on their very site that, I would then be responsible for {$390.00} upon repayment. The loan was set up in a way to deduct {$90.00} directly from my checking account bi-weekly until the loan was repaid. There have been a total of 5 {$90.00} payments taken from my account for a total of {$450.00}, which in my estimate is {$60.00} too much. I called their customer service line today and was told that because I did not pay the debt in full with one payment, that I would continue to be charged the {$90.00} bi weekly fee. I asked how that was even legal to do because not only had I repaid the initial loan with interest, but overpaid as well, and the man on the phone confusingly kept telling me that this was NOT a payday advance and that was the reason for the continuing withdrawals from my account. I'm sorry, but there is no way that this is can be legal. I am obviously not in a good place financially to begin with and there is no way I can afford to give them the extra {$60.00} they have taken or the countless more {$90.00} they intend to take. Please help me.
10/20/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA XXXXX	Web
I TOOK OUT A PAYDAY LOAN A WHILE BACK WITH MYPAYDAYLOAN.COM FOR {$1400.00}. I PAID THEM BACK WHAT I COULD AND THEN IT WENT INTO DEFAULT CAUSE I GOT HOSPITALIZED. THEY LOAN AGENCY TOLD ME THEY WERE OUTSOURCING THE COLLECTION OF THE ACCOUNT TO XXXX XXXX XXXX. NEVER HEARD FROM XXXX AND THEN ALL OF A SUDDEN I STARTED GETTING VOICEMAILS FROM XXXX XXXX XXXX OF XXXX, NY. THEY HAVE CALLED ME FROM SEVERAL DIFFERENT NUMBERS AND GIVE ME NAMES FOF XXXX XXXX AND XXXX XXXX, BUT IT SOUNDS LIKE THE SAME PERSON. THEY HAD ME SO FREAKED OUT CAUSE HE SAID HE WOULD SUE ME FOR THE PAYDAY LOAN. HE ALSO CALLED VARIOUS MEMEBERS OF MY FAMILY AND MY SUPERVISOR AT MY JOB AND KINDA TALKED TO HIM ABOUT ME AND THE DEBT. HE CALLS FROM XXXX, & XXXX EXT XXXX FILE NUMBER XXXX. I HAVE BOTH VOICEMAILS SAVED ON MY PHONE AND I HAVE A LETTER ALSO FROM THEM CONCERNING PAYMENTS. I WAAS STUPID AND PAID TWO MONTHS TO THEM ALREADY THEN DID SOME RESEARCH ONLINE AND IT SAID TO NOT PAY THEM ANYTHING AS THEY WERE A SCAM, AND USING SCARE TACTICS TO GET PEOPLE TO PAY. NO LONGER WILL MYPAYDAYLOAN WORK WITH ME EVEN THOUGH I HAVE TRIED TO EXPLAIN TO THEM WHAT THIS FLY BY NIGHT SCAM IS DOING.
08/29/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 389XX	Web	Servicemember
On XX/XX/18 I received a telephone from a woman stating she was with Simms and Associates and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
09/22/2015	Yes	Payday loan	Can't contact lender	NV 89052	Web
I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.
05/04/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95823	Web
I had a financial emergency and took out an online payment with this company sometime in XXXX i paid off the loan and then re loaned and then had a medical issue and was off of work for a period of time and unable to pay, i sent several messages requested a payment plan and was denied a feasible plan that worked for me, so I then sent a letter to revoke ACH payments being taken out of my account.. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in had email conversations with someone named XXXX again with no resolution. Today XXXX, my mother and ex husband both reached out to me that someone named XXXX XXXX from XXXX XXXX was calling regarding a complaint I filed and inquiring about my address and personal information. this person mislead the callers was mischievous and malicious about getting my personal information, this person was very unprofessional when I called back was in fact laughing when i told him how he went about reaching me was unprofessional. I am very upset. when asked about company information he was hesitant and then provided the business address as XXXX XXXX XXXX XXXX, New York. XXXX
10/14/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	LA 707XX	Web
First of all I applied for a payday loan with my payday loan. After seeing the outrageous finance fee I decided not to take the loan and exited away from the screen without agreeing to electronic signature agreement. Next day there was {$300.00} in my bank account and they prevented me from cancelling by making it impossible by communication. I eventually closed the account and they turned me over to XXXX XXXX XXXX who then turned me over to XXXX XXXX. I began receiving threatening phone calls from XXXX of XXXX XXXX XXXX who said I owe {$1100.00} but would give me a discount of {$800.00} due if I set up arrangements to pay with payment information. I told her I did n't have it and she then told me she was turning me in to my parish district attorney and I 'd be served a summons at my work. Then she called my mother in law and left her a message that I had charges against me. I finally gave her my credit card number but will cancel the card after I hear back from the original lender on whether the company is correct in their claim
10/29/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 49601	Web
I received a voicemail from a XXXX XXXX, indicating that I would need to meet her at my home on Thursday with valid ID in order to sign for " certified documentation. '' She then proceeded to leave me a number to the mediation office, along with a claim number. She said that I had been " notified, '' and she would see me on Thursday if she did not receive a Stop Order. The phonecall was very threatening. I immediately called the number she had given me, and received the voicemail for someone named " XXXX. '' There was no last name or no company name listed. I left him a voicemail telling him not to contact me again about this issue. Despite that, he called me back after 5 minutes. He informed me that he was from XXXX XXXX in XXXX XXXX XXXX, but would not give me a physical address. He said his name was XXXX XXXX. He said that he was trying to collect a debt from Mypaydayloan.com. I have filed a separate complaint against them. I asked XXXX XXXX AGAIN not to contact me about this issue.
04/26/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89141	Web
It is XX/XX/XXXX and I have received at least 4 calls since last week from XXXX looking for me ( former married name from XX/XX/XXXX ) ... and they've even called my family ( some of whom I don't even have a phone number for ) and friends! This was in regards to a payday loan I had discharged in XX/XX/XXXX and when I called them back, I requested that could send them proof of said discharge. ( The phone number I called back was XXXX ) I was told to pay them first ( not send in the proof ) and then I could have the option of disputing it in court. I told them I wasn't going to pay something I knew 100 % had already had discharged over 8 YEARS ago. They called again today and I told them I would like to speak to a manager ... .guy said he would transfer me and instead hung-up! I called back and stated I was just about to be transferred to a manager and to please do so and the lady ( this time ) stated the managers had already left about 30 minutes ago! TOTAL SCAM!!!
12/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 291XX	Web
I am in desperate need of help! I stupidly took a {$300.00} loan from " mypaydayloan.com ''. I actually didn't accept it yet they deposited the funds anyway. I paid {$90.00} by ACH from my checking account on XX/XX/XXXX. I then researched them & was alarmed by what I read. I revoked ACH & IMMEDIATELY requested a mailing address to send payments. They refused & daily threats began. They have said I owe {$550.00} then {$300.00} then {$350.00} ... they have said I must pay a lump sum immediately then have said payment arrangements may be made. I proposed a settlement and AGAIN asked for a mailing address. They now are THREATENING to sue me for {$25000.00}!!! They say they are a Costa Rican company. How is this legal???? What do I do????? Help!!!!! I only ever speak to one person named " XXXX '' who is harassing me for my debit card #. There is no way I am releasing that & I am scared he has access to my XXXX & checking account. I was foolish & need help!!
08/21/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IN 468XX	Web
I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.
05/04/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TN 38109	Web
On XX/XX/XXXX I contacted XXXX XXXX XXXX company because I was struggling paying off several loans. I signed up with them and was advised to send an email to the creditors revoking the ACH of my account. I notified my creditors and all of them emailed me back acknowledging that they received it and was honoring it. Well today I received a email from my payday loan a guy named XXXX saying they do not work with debt consolidation companies and wanted me to setup payments with him. I explained to him that all of my other creditors were going to work with them and I could not afford to pay them and they company handling my debts and I this was me trying to do the right thing. My loan is not late and I was trying to take care of this so it would not have to go to collections. I dont understand why they are not willing to work with someone who is trying to pay them the best way I can and not just let the payment go to collections
10/16/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 707XX	Web
I TOOK OUT A LOAN WITH MYPAYDAYLOAN.COM AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO XXXX XXXX XXXX. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND XXXX XXXX XXXX IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
12/20/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 291XX	Web
I XXXX applied for a payday loan with MyPaydayLoan.com. I never spoke to a representative to finalize it yet they deposited the money anyway. I emailed them and asked that they not, but they did. So I figured I would get it paid off. {$300.00} was deposited into my checking account and I have paid {$90.00} to date. I revoked automatic withdrawal of payments and MyPayDayLoan.com refused to provide me with a mailing address to mail payments. Today I received a threatening email from MyPaydayLoan.com. I can not access any information about my account. I can not make any payments. I can not find any mailing address. This is a predatory scam. I want this stopped. I owe {$210.00}. I will pay {$50.00} bi-weekly starting XX/XX/XXXX MyPayDayLoan will remove any negative reports against me via my SSN. MyPaydayLoan will provide me with an address where I can send payments.
05/09/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	SC 29609	Web
I took out a payday loan of {$600.00} in XXXX . I have paid this company on time each month, and I have paid them, according to my records, {$4300.00} total. I called to try and get the date of withdrawal changed and they said that because they had already done that twice for me they would not help anymore. My young daughter is currently at XXXX XXXX XXXX XXXX because of XXXX XXXX and complications from it. We have spent thousands of dollars in medical bills alone. I looked at my loan contract to see how to stop the ACH withdrawal because right now we are a t zero and wo n't get paid again for another week. Nowhere on the contract does it state how I can stop the ACH withdrawal. That makes the contract invalid according to the law. I want them to stop the ACH withdrawal altogether but their company refuses to tell me how to do that.
05/25/2018	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IN 46307	Web
I got a loan from mypaydayloan and was doing a good job keeping up my payments, although their a.p.r is higher than the 36 % Indiana law mandates.. But I fell on some financial issues. It was difficult to pay them back and I let them know this through emails. They were actually paid back the principal and significant amount of interest accrued. My phone was off at a point. They stated they were trying to reach me. They stated they through email, as well. When I did look at my emails, that's when I responded about my issue. Unfortunately, now the claim is with XXXX, a 3rd party and I have been paying them for this debt, that is up to over {$1000.00}, when I borrowed {$200.00}. They stated they are going to take the claim to court if I do not pay. And I can't afford that. So I pay them. Can they charge me this much, rightfully?
10/25/2016	Yes	Payday loan	Can't stop charges to bank account	TX 77304	Web
I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.
06/06/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 79602	Web
I enrolled with a debt management company on XX/XX/2020 called XXXX. My payday loan.com acknowledged receipt of the ach revocation and did stop taking out payments. They have continued to harass me by email stating they do not work with any companies that help people get these loans paid. My advisor at XXXX has told me they do work with them. I received a very threatening email on XXXX20. Then today XXXX20 I received a email stating I needed to pay {$450.00}. I can not pay this. The reason I have enrolled with payday loan help. I will attach the email I was sent on 6XXXX20. This is ridiculous they send this threatening stuff to consumers. They threatened to turn me over to Contribution a service of Scan and make it where I can not write checks. I looked this up and it appears to be false propaganda.
01/28/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 92507	Web
I told them I wanted to stop all ACH transactions because I was filing bankruptcy. They continued to add charges to my loan it was {$910.00} now it is {$1100.00}. They started sending harassing e-mails saying they were going to take the full amount from my account. They made me agree to a payment plan I was not comfortable with to stop them from adding more charges to my loan. I told them I may have to change it if I have XXXX. They emailed me and asked what kind of XXXX I was having despite the HIPAA laws. They also asked several personal questions like how much time would I need off, if I would be paid when I am off etc. I told them I had no contact numbers and the sent an email saying what do you mean you have no work number? The harassment continues. The employees name is XXXX XXXX.
12/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 291XX	Web
I did the most foolish thing ever and borrowed {$300.00} from " MyPayDayLoan.com ''. I paid {$90.00} by an electronic debit from my checking account. I had really bad vibes about this company so revoked that authority. I have tried to reach a resolution for the balance of {$210.00} but this " company '' simply threatens me repeatedly. I asked for a mailing address to send payment which they REFUSE to provide. The threats continue daily. I want to pay this back on terms which are fair. This company is predatory and threatening. I need help. Please help. I will pay {$25.00} every two weeks beginning XX/XX/XXXX. I am NOT at all comfortable providing them with my debit card which they are DEMANDING. I need assistance securing a mailing address and stopping the threats. Please help!!!!
10/29/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 49601	Web
I received a voicemail from a XXXX XXXX. She left no identifying company that she worked for, but said that she would need me to be available on Thursday at my residence with a valid ID to " sign for certified documentation. '' She gave me a claim number, and a phone number to call the " mediation office. '' The voicemail was threatening in nature, and said that she would be at my home on Thursday with legal papers unless I called the mediation office and they gave her a " stop order. '' I immediately phoned the number that she gave me to the mediation center, and got the voicemail of someone named XXXX. There was no last name, and no identifying what company or entity he works for. I left him a message that they are no longer to contact me in this matter.
06/26/2019	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 705XX	Web
I previously borrowed {$800.00} from this company. I have paid back {$1200.00} of that. I am struggling to pay the balance due which is {$1000.00} as I have admitted to and is getting help for XXXX XXXX. I have asked that this account be closed as paid in full or atleast given a reasonable settlement. My response was a threat from Mypaydayloan via email for copyright infringement, disclosure of confidential information and breach of contract and a {$900.00} settlement offer. Again I am struggling financially and am asking that this be paid in full or given a more reasonable settlement. Being paid in full would be more satisfying to me as this has been the most unpleasant experience ever and I will NEVER get involved with companies like this again!!
07/23/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	LA 700XX	Web
I borrowed {$300.00} from mypaydayloan.com. I was paying {$90.00} every other week to " extend '' the loan. I did this for 14 payments which equaled {$1400.00}, but still " owed '' them {$390.00}. This {$90.00} was only to extend the loan and was not being used to pay down any of the principal. This was not disclosed when the loan was applied for. I stopped payment on the payments in XX/XX/2018. I am now being contacted by XXXX at work, at relatives saying I owe them {$1000.00} ... how in the heck can I still owe them that much. Oh ... .penalties and interest of course!! How absurd ... what a sham and a scam! I would hate to see other people who are in need of quick funds get pulled into this wicked operation!!
02/11/2016	Yes	Payday loan	Charged fees or interest I didn't expect	NV 891XX	Web	Servicemember
I have been paying {$180.00} a month through direct debit withdrawal from my checking account for several months on a {$600.00} loan. The {$180.00} a month was an " Extension '' that I thought was installments to satisfy the original loan. This company has received {$2000.00} in fees on a {$600.00} loan and I still have a balance due. They did send me a contract that I agreed to in haste and did not clearly understand. Although I understand payday loans, how is it fair business to charge this amount on a {$600.00} loan? This equates to over 300 % interest in just an extension fee??? There should be a cap on what they can charge you for fees.. {$180.00} a month as an " Extension Fee ''!! XXXX
10/12/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 79602	Web
I have experienced financial problems due to Covid. I reached out to company called XXXX XXXX XXXX to settle my debts. Mypaydayloan.com has absolutely refused to work with me or XXXX XXXX. I told them repeatedly I could not afford the payment arrangements they offered me. XXXX XXXX XXXX has also had no luck with these people. Today I got a letter from XXXX a collection agency. The amount it says I owe is triple the amount of the last email contact I had with them. I told them the payments were 2 high. They ceased communication and turned me over to collections. This company needs to be put out of business. They will not work with anyone. I dont care what they tell you.
05/03/2018	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	LA 70503	Web
I applied for a payday loan with the understanding that i needed to log in to the website to pay. I was called to work in XXXX and thus their website blocked me from logging in ... and couldn't pay. I emailed four or five times beginning XX/XX/XXXX with screen shots of the website blocking me and was continually referred to changing my password in order to pay the bill. Instead - was charged {$90.00} twice because I couldn't log in. The contract clearly states logging in as the only form of accepted payment. It says nothing about being out of country and not being able to log in to pay. " XXXX '' numbers are blocked from overseas use.
03/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94002	Web
I sent the loan company a letter requesting them to revoke my ACH debit authorization based on my consumer rights. In addition, I asked that no phone calls be placed to my place a work or business. The days I sent the letter via email I received a call from a private number to my work and personal cell. A lady by the name of XXXX, told me that she would not honor the letter I sent asking to revoke my ACH debit authorization. She begin to harass me and became very unprofessional. I researched the company and found out they do not have a CA state business license and their fees for the loan was not legal.
10/29/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MI 49601	Web
It came to my attention during the repayment to mypaydayloan.com, that the loan that they had given to me was illegal in my state of residence. Having already more than paid off the principle balance of the loan, and struggling with their illegal interest rates, I sent them a registered letter revoking their ACH authorization. I also demanded that they cease and desist any and all attempts at collections to this account. This was in XX/XX/2019. They have now contracted a 3rd party debt collector, however, XXXX XXXX. XXXX XXXX calls and makes threats about showing up at my house with legal papers.
10/05/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 93535	Web
Borrowed {$900.00} company makes remote checks and has taken almost {$2000.00} alraedey from me and still shows I owe {$1300.00}!!! If I make a payment they they make a new contract for remaining amount and so more interest Im pretty sure this is illegal as I just got a settlement check from XXXX case and this company seems the same I can not stop the remote checks according to XXXX unless I close my bank acct and I donr se why I should do that Company now appears to operate off shore in XXXX XXXX How can thay charge an interest rate of 842 % and make a new contract every time I make a payment?
10/02/2018	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 93535	Web
I had them change the date of withdrawals to coincide with my paydays and they charged me an extra {$150.00} and added that to my payment I have already paid this company over {$2000.00} for a small loan. Now the agreement they send me is an out of the country bank who I believe are a fraud in fact 1st page undercpayment schedule interest rate is over 800 % and says if you pay off early you still apy full fiannace charge. How is this legal I have asked XXXX multiple times to stop withdrawals from my acct and they wont as company makes remote checks. I think they need to be reported to FTC
03/22/2018	No	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95660	Web
The company XXXX XXXX called my phone at all hours from different numbers and did not leave a message for me. They then called my boyfriend and his father to find me. I called them back and they stated they will be taking me to court for fraud if I dont pay back the debt owed, {$860.00}. They said I could pay it back in two payments but only from a debit card. I did not receive a loan for anywhere near that amount ( original loan was {$250.00} ). When I contacted mypaydayloan they said my account was given to another company. That company did not match the company who has been calling me.
08/03/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OK 73162	Web	Servicemember
I have been trying to pay this loan off since XX/XX/XXXX. My mother was paying it off for me we sent the info needed and her bank released the money they thought it was a fraud at first. But this company says its declined. I tried to pay today with my paycheck card and they say it declined which is not true the money is there. Everytime Ive tried they say it doesnt go through. They are charging me XXXX everytime they say it declines and a XXXX late fee every two weeks. So my loan that was XXXX is now XXXX.. of course they dont want you to pay it off
12/14/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 756XX	Web
Several calls every day to myself and other family and friends regarding a loan that I never received. I applied online years ago and never was told I was approved. Then I found out they had tried to deposit it into an old checking out that had to be closed. I never received the funds and I have told them several times over the span of more than 2-3 years. They threaten me saying I am going to be served at work, say they will garnish my wages. Every time I am told that I have to pay that day but its a different amount every time.
02/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NM 870XX	Web
I opened an account on XX/XX/XXXX in the amount of {$1200.00}. I have been paying {$360.00} per pay period. A total of {$1400.00} I checked my account on XX/XX/XXXX and I owe {$1500.00} I asked them what happen and they said i was renewing my loan of {$1200.00} every pay period so the {$360.00} was just the renewal fee. They charge {$30.00} per every {$100.00} They would not accept the {$1200.00} as final payment today as they want the full {$1500.00} even though my payment isnt due again until XX/XX/XXXX
03/07/2018	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	LA 70131	Web
over one year ago someone obtained personal information and opened an account and used information to obtain multiple payday loans and then switched them to our checking account for repayment, had to close accounts and institute fraud investigation which bank found in our favor and reversed all charges, now a XXXX from this loan company is making harassing phone calls and threatening us to take our vehicles, lien on house and go to court over non payment phone # is XXXX XXXX XXXX my pay day loan
09/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 94014	Web	Servicemember
I signed up with MY PAYDAY LOAN for a short payday loan. I later signed up for debt consolidation and a revocation letter was sent to them and request for validation of debt by my debt consolidation company. The company is oversees and unable to provide validation. After the revocation letter they continue to take interest payments of {$180.00} and continually changes the way the take the payment to avoid stop payments. The submit as a check instead of a ACH payment. Can you please help me.
08/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90250	Web
Company gave me a payday loan in the amount of {$950.00}. I have paid a total of {$1100.00} which includes interest that I was illegally charged. I missed one payment and was trying to work out a payment plan. In the course of trying to contact them, I discovered this company has no license to do business in California ; further I received correspondence from this company stating they do business from XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 95035	Web
I got a loan from this company in the amount of {$1100.00} I made already 3 payments in the amount of {$400.00} every two weeks but the amount I still owe after 3 payments is {$930.00} which is ludicrous, I understand they need to charged interest but not to take advantage of the people in need, so all the money that I have pay is for the high interest they pay. They need to disclosed that in bold black letters when people click on their website so they can be aware of it.
03/04/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90043	Web
Representative was rude used abusive language to the receptionist, Over talked the receptionist and myself was rude and unprofessional. I told the representative on the line that i revoke their permission to contact me at any listed number. She said she didn't care and continued to harass me over the phone. I asked her not to call again. She claimed it was a recorded line. I said all of this on the recording. This occured on XX/XX/2019 between XXXX - XXXX XXXX.
09/22/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91343	Web
I borrowed from the companyXX/XX/XXXX. They were supposed to take out {$520.00}XX/XX/XXXX, but instead have been taking out {$120.00} every 2 weeks. I finally checked today to see if they were done withdrawing funds and they still show that I owe {$520.00}. When I asked for the original contract they sent me one dated for the XX/XX/XXXX. It appears they keep renewing my contract every 2 weeks. This is fraudulent and I was unaware they were doing this.
08/28/2015	No	Payday loan	Can't stop charges to bank account	SC 295XX	Web
I placed a cesase order with PayDay Loans and they tried to continue to debit my account with XXXX XXXX XXXX, which require me to close my account. The Lender has submiited the debt to a third party collection agency XXXX XXXX XXXX XXXX XXXX XXXX NY who has harrassed my terminally ill husband home, threaten me with legal action advising me I needed to appear in my county court house in XXXX hours, contacted my place of business XXXX times.
12/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	OH 44001	Web
I entered into a loan for {$600.00} on X/X/2017. When I went to the website to submit my payment there is a minimum payment due of {$180.00}. I 've made {$180.00} payment every two weeks since XX/XX/XXXX through XX/XX/XXXX for a total of {$2100.00} debited from my bank account. I have bank records showing each debit as well as the initial loan deposit. They are still asking for the full balance of the loan plus interest.
07/28/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 95503	Web
This loan was taken out XX/XX/XXXX and paid back over months. In fact, they continued to debit our bank account even when the balance was paid in full thru XX/XX/XXXX. The alleged lender is XXXX. Recvd a call from XXXX XXXX XXXX threatening to sue if debt is not paid. This is the XXXX contact we recvd for this alleged loan, the first was XXXX XXXX alleging XXXX XXXX XXXX as the lender. A Cease and Desist letter was sent.
02/26/2016	Yes	Payday loan	Can't stop charges to bank account	CA 91103	Web
I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.
06/20/2015	No	Payday loan	Can't contact lender	TX 78746	Web
XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.
04/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	VA 23185	Web
XXXX XXXX XXXX XXXX I keep getting calls from this number claiming I owe them money and are taking me to court. Ive NEVER taken out or received a pay day loan. They can not tell me when the loan was taken out ( XXXX ), how much its for, where it was secured. The current balance they claim is {$1000.00}. They sent me an email saying it was being dropped. Then a month later start up with the calls again.
01/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA XXXXX	Web
This company operates illegally in XXXX. They do not have a license to lend here, which they have admitted. They charge illegal interest rates far above what California law allows. Their contract states you pay one amount, yet they charge you another. Their contract states you owe one amount, yet you actually owe another. Their contract states you've paid one amount, yet you've actually paid another.
05/10/2016	No	Payday loan	Applied for loan/did not receive money	WY 82001	Web
Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action
04/02/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98366	Web
XXXX XXXX XXXX XXXX The following number has called me on XX/XX/19 and XX/XX/19. They have also called my brother and sister leaving voicemails for me with personal information after I have told them I should be the only person contacted. They also havent provided anything in writing for me to confirm this debt or even who they are. XXXX is the woman that keeps leaving voicemails.
12/31/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 95409	Web
I took out an online pay day loan of {$500.00} on XX/XX/2019 from Mypaydayloan.com due on XX/XX/2019. I couldn't pay the loan back on that date and called the company on XX/XX/XXXX XXXX to discuss the late payment. I was told that the interest would be {$370.00} ( 75 % ) and would increase substantially after that. I paid it on XX/XX/2019. This appears to be usury.
09/22/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70769	Web
I got a loan for {$700.00} 0n XX/XX/2020 and now they want me to pay {$1300.00} back and which I tried to make payment but it got to the point where I could no longer make any more payment. Now they calling me with threatening phone calls stating they have file papers on my at the courthouse. They calling and harassing people that I don't know or associate with.
08/21/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70301	Web
I have been dealing with this company for the last past 8 months. I received XXXX dollars from them back in XXXX of this year. Since then, they have been taking XXXX dollars every two weeks out of my paycheck. I have calculated they have taken almost 5000 dollars from me and this needs to stop. I have fallen behind on all my bills due to this. Please help.
08/16/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94590	Web
Payday loan to get me through a rough spot. The loan was initially for {$300.00} ( I believe ) and I did ask for an additional {$160.00} ( I believe ) when I called they were very vague as to the details. To date I have paid them {$1100.00} and my balance is now {$480.00}. None of the payments have gone to the principal balance.
02/28/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91786	Web
They have called at least 2x a day. I have sent them written notice not to contact me as I have an attorney and I am filing bankruptcy. Continue to call threaten they are reporting me so I can no longer write checks said I defaulted on the loan when all I asked was for them to stop ACH payments. Won't give a mailing address
02/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75134	Web
I asked for a XXXX XXXX dollars loan and I didn't know they send the money to my account and when the first payment is due two days before I got the money. And not they are calling n email about I owe them XXXX now n try to sue for XXXX and I don know where all the come from. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
12/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	FL 33321	Web	Older American
Received a call that my previously submitted application for a payday loan ( never applied for a payday loan ) has been approved by a new lender for an amount up to {$15000.00}. This was a computer generated call from XXXX. They just wanted me to a to apply for a loan that I didn't ask for or want from them.
09/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	OK 745XX	Web
They charging illegal interest rates and harassing when trying to stop ACH debt. Borrowed XXXX to date have paid XXXX none of it as went to the principal they say they want another XXXX to close my account. Oklahoma law only allows you to have two payday loan with fixed interest. Which I already have.
10/31/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	LA 70115	Web
My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.
03/12/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90043	Web
on XX/XX/19 they called me AGAIN after being asked not to contact myself or my employer phone number. XXXX XXXX and they called a phone number that they were never given. ( XXXX ) XXXX XXXX. I stated on the recording not to contact me at this or any other phone number for any reason at any time.
07/14/2016	Yes	Payday loan	Charged fees or interest I didn't expect	AL 36117	Web
I applied for a {$500.00} payday loan online XXXX/XXXX/16. I later discovered that they are not licensed to do business in my State, which is Alabama. Nor do they meet the loan limits set by the State banking regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
11/30/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	IL 60016	Web
I just received a call from the XXXX county because a attorney purchased a debt. From MyPayDay Loan, what I was told a thrift party purchased my debit an I didnt respond now a attorney filed charges through court, for XXXX these people are the case number is XXXX, XXXX XXXX.
11/23/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	LA 711XX	Web
I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company
10/27/2016	Yes	Payday loan	Received a loan I didn't apply for	CA 95503	Web
Getting a call from a XXXX about a payday loan back in XX/XX/2012 mypaydayloan.com. They are staying that they will serve me papers at home/and at my job with my manger. I asked for proof first from this company, but they said that the " papers will be my proof ''
09/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 93535	Web
Have a loan with my pay day loan dot com their interest rates are outside of legal regulations I asked my bank XXXX to stop the automatic withdrawals from my checking acct and to stop My payday loan to stop making remote checks XXXX have refused this request
06/19/2015	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OH 44708	Web
Ive have called them several times to tell them to stop calling me but they just harass me over the phone with inappropriate comments ... .then after i hang up and threaten them with a harassing complaint they proceed to send me numerous emails ...
01/10/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 945XX	Web
I applied for a {$300.00} loan to be paid back on my next pay day with a {$90.00} fee. they ended up taking {$90.00} every two weeks out of my bank account until now which equals {$990.00} so I paid {$990.00} for a {$300.00} loan
08/31/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IL 61615	Web
I am in a XXXX program, I included my payday loans but they are not willing to cooperate with the settlement. Non stop calling XXXX bothering me and emailing me non stop. They are not excepting any settlement at all
01/26/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 95670	Web
I applied for a {$500.00} loan and ended up paying over {$1000.00} for that same loan yet they are still harassing me to pay $ XXXX for something I already paid off. I have all Of my bank statements
10/21/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	RI 02893	Web
This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.
07/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	LA 707XX	Web
On XX/XX/2019 I was approved for a {$500.00} payday loan advance and I hgave them my info but now their server is down and no one will return my calls!!!!
02/07/2018	No	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95621	Web
This company is calling me constantly even after i told them to stop calling me. They are also threatening me!!!!!!
12/28/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 94103	Web
The XXXX XXXX XXXX put me in collection that I didnt borrowed with them. Date open XXXX2017 ... {$500.00}
02/06/2018	No	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95621	Web
i am getting constant harassing phone calls and repeated threats from this company!
07/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IA 51401	Web

09/21/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 61607	Web	Servicemember

04/20/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60619	Referral

02/15/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75067	Web

05/19/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 94065	Web	Older American

05/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76006	Web

11/23/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer		Phone

11/12/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IN 46237	Web

10/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TN 37072	Phone

07/17/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone

05/05/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 38826	Web

02/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92879	Web

08/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 93535	Referral

08/18/2018	No	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	NV 89169	Web

06/27/2018	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 75050	Web

09/25/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 27539	Web

08/30/2017	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75032	Web

08/24/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 64136	Web	Servicemember

04/18/2017	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 94578	Web

03/26/2017	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 94578	Web

03/09/2017	Yes	Payday loan	Received a loan I didn't apply for	OH 44137	Web

03/01/2017	No	Payday loan	Payment to acct not credited	TX 78213	Web

01/30/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 96001	Web

01/25/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	WA 98374	Web	Servicemember

11/08/2016	No	Payday loan	Charged fees or interest I didn't expect	TX 78380	Phone

08/16/2016	No	Payday loan	Can't contact lender	OK 74019	Web

07/08/2016	Yes	Payday loan	Can't stop charges to bank account	NM 87505	Web

04/13/2016	Yes	Payday loan	Charged fees or interest I didn't expect	NC 27330	Web

03/01/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt		Postal mail

12/07/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TN 38340	Phone	Older American

09/02/2015	No	Debt collection Payday loan	Communication tactics Threatened to take legal action	TN 38301	Web

05/27/2015	Yes	Payday loan	Can't contact lender	TN 37846	Web

04/29/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 78404	Web

04/25/2015	Yes	Payday loan	Charged fees or interest I didn't expect	MO 64633	Web

04/23/2015	Yes	Payday loan	Can't stop charges to bank account	IN 46069	Web

04/15/2015	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	NY 11375	Phone

03/23/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	OK 74037	Web

02/19/2015	Yes	Payday loan	Can't contact lender	PR 00952	Web

02/13/2015	Yes	Payday loan	Received a loan I didn't apply for	NY 11358	Web

12/29/2014	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44141	Web

12/23/2014	No	Payday loan	Charged bank acct wrong day or amt	NJ 08022	Referral

12/20/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TN 37922	Web

12/12/2014	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	OH 44236	Web

11/05/2014	No	Payday loan	Charged fees or interest I didn't expect	NJ 08244	Web

11/04/2014	No	Payday loan	Charged fees or interest I didn't expect	TX 77477	Web

11/03/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OH 45840	Phone

09/02/2014	Yes	Payday loan	Charged fees or interest I didn't expect	SC 29303	Web

08/29/2014	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CT 06516	Web

08/13/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NJ 08879	Web

07/02/2014	No	Payday loan	Charged bank acct wrong day or amt	LA 70812	Referral

06/26/2014	No	Payday loan	Can't stop charges to bank account	PA 15221	Web	Older American

06/18/2014	No	Payday loan	Can't stop charges to bank account	TX 76017	Web

06/17/2014	No	Payday loan	Charged fees or interest I didn't expect	IA 50036	Web

05/21/2014	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 75050	Web

03/26/2014	No	Payday loan	Can't contact lender	AZ 85043	Web

02/05/2014	No	Debt collection Payday loan	Communication tactics Threatened to take legal action	MD 20785	Web

01/15/2014	No	Payday loan	Can't stop charges to bank account	IN 46234	Web