If you want to be given a hard time, be sure to try to get a cash advance from sonicpayday.com. They are very difficult during the initial lending application process and obviously would be very difficult to deal with once a loan customer (I think that they are a discriminatory company too, let me know what you think). I chatted with someone first to find out my loan status. The person I spoke with is Cheryl. Our conversation follows:
Please wait for a site operator to respond.
You are now chatting with 'Cheryl'
Cheryl: Thank you for visiting Customer Care. How may I help you?
Elise: I was told to chat with someone on this website to verify my information for my loan application.
Cheryl: May I have your priority ID number, please? It is the number you received when you completed an online application.
Elise: 102XXXXXXX
Cheryl: May I have your social security number, please?
Elise: XXX-XX-XXXX
Cheryl: Are you paid by direct deposit or do you receive a check from your employer?
Elise: Direct Deposit
Cheryl: Are you paid by salary or hourly wage?
Elise: Salary
Cheryl: Do you have access to a fax machine or e-mail?
Elise: I have access to email.
Cheryl: We offer a first time loan of a minimum of $200 and a maximum of $500, until your next payday. Your credit limit, however, will be determined by your net income.
Cheryl: I am going to run a Teletrack inquiry to see whether or not we will require any documents from you.
Elise: Okay.
Elise: Can you tell me what exactly Teletrack is?
Cheryl: Your Teletrack score helps us determine, without doing a credit check, whether or not we can fast track you right through the loaning process without requiring you to provide us with any documents.
Cheryl: In order to process your loan application, I will need to get some information from you.
Cheryl: May I have your full work address and job title please?
Elise: Do you need my work location or the address for employment verification?
Cheryl: Your work location address.
Elise: See, I have a difficult situation.
Elise: I was hired with a government agency as a Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). I am, however, on the payroll and classified as an employee year round.
Cheryl: So you are not actively working right now?
Elise: No, I am not. I will not be actively working until next summer, but I am getting paid.
Cheryl: How are you still getting paid if you are not working?
Elise: I am part of a program, in which the agency provides up to $XX, XXX a year for school and a salary throughout the year, and I go work for them in the summer months. They provide the salary so that I won't have to worry about juggling school and a job.
Cheryl: Unfortunately since you are only receiving government funding, we will not be able to loan with you. You have to be actively employed to qualify for a loan with us.
Cheryl: Is there anything else I can help you with today?
Elise: You see, I am a government employee, that is the thing. I can even give you a mailing address and fax number you can use to verify that I am an employee. I am paid an annual salary.
Cheryl: We cannot take that pay as consideration as you receive government funding.
Cheryl: We cannot loan with you, you need to be actively working all year round.
Elise: It is not government funding, it is a paycheck. I guess it can be similar to a work at home position.
Elise: I receive pay on the same day as any other employee of the agency.
Cheryl: You are not actively working.
Cheryl: You stated you are part of an undergraduate scholarship program.
Cheryl: We cannot take that money into consideration.
Elise: But I am employed. There were no guidelines on the website that stated that you have to be going to a job every day to be considered, they just said you must have a job (salary), and I do.
Elise: I receive money for school AND a regular salary.
Cheryl: We consider that government funding.
Cheryl: We cannot loan with you.
Elise: I don't understand why not
Elise: That's discrimination.
Cheryl: You receive government funding.
Cheryl: That is not discrimination, we cannot accept your scholarship as income.
Elise: The only thing that is important is that I am paid a salary.
Cheryl: No, we cannot loan with you according to our company policies.
Cheryl: You need to be actively working. We cannot loan with you.
Cheryl: Is there anything else I can help you with today?
Elise: Can you please email me a copy of that policy?
Cheryl: You can read about our polices on our website.
Elise: My salary is as good as anyone else
Cheryl: We cannot consider your scholariship as income.
Cheryl: We CANNOT loan with you.
Elise: It is a SALARY!!!
Cheryl: No, we cannot loan with you.
Elise: Don't you understand?
Cheryl: It is scholarship.
Cheryl: I understand.
Cheryl: We cannot loan with you.
Elise: So, you don't lend money to work at home applicants because they don't go to a job everyday?
Cheryl: That is correct.
Cheryl: We do not loan to people who work at home with their own business.
Cheryl: We do not loan with homemakers.
Elise: Well, can you provide me the link to your terms.
Cheryl: And you stated above you receive money as part of a scholarship, and we do not loan with those people.
Elise: I have a scholarship and I am also a government employee.
Cheryl: If you have any questions, please refer to the website.
Cheryl: Is there anything else I can help you with today?
Elise: Yes, you can provide me a direct link to those terms.
Cheryl: You stated you are not even actively working until next summer.
Cheryl: Please go to our website at www.sonicpayday.com.
Cheryl: Thank you for using our online chat service. I would be glad to assist you with any of your questions related to our company. If you do not have this type of inquiry, I would like to terminate this conversation because of the nature of the language being used - I am quite uncomfortable with it. Thank you and please keep us in mind for any of your future financial needs.
Elise: A direct link please
Cheryl: Go to our website.
Elise: I need a direct link to those terms because I am feeling like I'm being discriminated against.
Cheryl: You are not being discriminated against, and I've already given you the website address.
Cheryl: Is there anything else I can help you with today?
Elise: Yes, I need the direct link, and you are not helping me get the information that I need.
Elise: You are supposed to provide me with service, so please provide the link.
Cheryl: I'm going to have to end this chat. I've stated above that you can refer to our website at www.sonicpayday.com.
Cheryl: Thank you for chatting with us.
Chat session has been terminated by the site operator.
*I thought that you are actively working if you have a job, and are salaried.???
I decided to log in once more to try to see if Cheryl just wasn't familiar with such a situation. I was then privileged enough to speak with Rahwa. Here's how it went:
Please wait for a site operator to respond.
You are now chatting with 'Rahwa'
Rahwa: Thank you for visiting Customer Care. How may I help you?
EA: I have a question.
EA: What are the requirements for a loan?
Rahwa: You would need to be more specific.
EA: As far as job and income requirements
Rahwa: Do you mean account requirements, employment requirement.
EA: Yes
Rahwa: You need to be employed actively and any kind of benefits from anyone is not accepted. You also need to get direct deposit from your employer.
EA: How can you be employed inactively?
Rahwa: You can be on pension, on medical leave, retired.
EA: So, as long as you are a salaried (or hourly) employee, you qualify?
Rahwa: You also need to have direct deposit.
Rahwa: Do you have any of these?
EA: So, if you have you own business, do you qualify?
Rahwa: No.
EA: Okay, I just chatted with Cheryl, and she told me that I didn't qualify for a loan even though I am a salaried employee.
Rahwa: In order to be able to assist you, may I have your full name and social security/insurance number?
EA: Elise AXXXXX XXX-XX-XXXX
Rahwa: Thank you for waiting. I'll be with you in just a moment.
Rahwa: Thank you for your patience Ms Arnold.
Rahwa: Are you a full time employee or is your salary an extension of your scholarship?
EA: I am a full time employee. I receive the scholarship as well as an annual salary.
Rahwa: You are full time student and a full time employee there?
EA: Yes I am.
Rahwa: You told our representative that you start work next summer.
Rahwa: Meaning you are not employed now.
EA: I am employed (as in I'm paid my salary {not scholarship&salary} now) and I actually go to the building that I am supposed to work at next summer.
EA: So it's like the best of both worlds, I suppose.
Rahwa: As per your explanation:
Rahwa: I was hired with a government agency as a Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). I am, however, on the payroll and classified as an employee year round.
Rahwa:
EA: Exactly, I am an Employee
Rahwa: A status is not what matters, it is the fact that you are actually working actively.
Rahwa: Which as per your explanation, won't happen till next summer.
EA: I am. I don't have my own business. I receive a salary.
EA: You said to me earlier that receiving benefits, retirement, or something similar was considered to be inactively working.
Rahwa: It is not relevant that you have your own business or not.
EA: I am an employee, receiving a regular salary, and I have direct deposit, now tell me again why I don't qualify?
Rahwa: In our definition of working actively, which means that you are working and being paid rather than just holding a status of employee.
EA: Do you want a contact to ensure that I am an employee?
Rahwa: You are not considered as an actively working personnel
EA: I attended New Employee Orientation and was sworn in as an employee.
Rahwa: It doesn't matter
EA: I have proof to back me up. I have a letter stating that I am an employee.
Rahwa: because you are still not actually working.
EA: Yes, it does.
EA: I am. I am an employee getting paid a salary with direct deposit, the requirements you mentioned earlier in our conversation.
Rahwa: What are you getting paid for?
EA: Working
Rahwa: As in what do you do?
EA: I am a Student Reserve
Rahwa: Which like you said to the representative you chat with earlier, "Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time)."
EA: But I am employed with an agency
EA: Does it matter when I report to the building?
Rahwa: Yes.
Rahwa: It means that is when you start working in the true sense.
EA: I started working when I went to New Employee Orientation. You start working when you are put on the payroll.
EA: At any rate, may I please have the city and state that you company headquarters is located?
Rahwa: That is not true. People on pensions and sick leaves and maternity leaves are still on the payroll but not working actively.
EA: Okay, that's fine.
EA: I'm done with it because if your company is this difficult in the loan process, I can imagine how difficult it would be if I become a loan recipient.
EA: Can you please give me the city and state of your headquarters?
Rahwa: Our head office is in Wilmington, Delaware.
EA: Okay, thank you, that's all I needed. Please watch usacomplaints.com for a report from me (and I also see that others have filed reports against you as well).
EA: Thank you for not allowing me to do business with you. It has been a pleasure.
Rahwa: Is there anything else I can help you with today?
EA: No thank you. You've been a great help.
Rahwa: Thank you for chatting with us. Have a great day!
Chat session has been terminated by the site operator.
I am glad I found usacomplaints.com to expose businesses who do issue injustices to their customers.
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