I called into Cash Call customer service on Wednesday November 28 because I needed to move the date of my normal payment due to having some difficulties and having to pay rent. Please keep in mind that I have ALWAYS ALWAYS ALWAYS paid my bills on time and I have NEVER EVER EVER been late with my Cash Call payment.
I was told by the first representative that answered the phone that I WOULD NOT incur any additional charges by moving the date of my payment. The first rep that I talked to advised that I could setup a stop payment through my bank and then move the date for my Cash Call payment auto debit to later in the month, so I initially set it for the 17th. They did NOT advise that I would incur late charges or any other fees (I asked this rep about these kinds of fees specifically). They also didn't tell me about the fact that the 17th would cause me to be late on my loan.
Then, they transferred me to someone else that could "supposedly help me". She advised me that the only charge EVER would be a $15.00 late fee. She advised that I should re-schedule my auto debit for the 15th to avoid any fees or additional charges or adverse actions. I was also advised and ASSURED by this representative that I was transferred to, that making a note on my account to automatically debit the payment on the 15th of December would do the following. Keep in mind that I asked the representative about these events specifically, and she assured me that I was correct that they would NOT happen:
1. Doing this would not cause calls to be made to any of my phone numbers. Well, guess what? I got a call on Thursday 12/6/07 about my "late payment" when I was assured that having it debited from my banking account on the 15th on December would not be considered late.
2. I would NOT incur extra charges to do this. However, cash call sent me an email on December 5 when I was ASSURED BY THE SERVICE REPRESENTATIVE THAT THE BELOW EVENTS DESCRIBED IN THE EMAIL WOULD NOT HAPPEN when I ASKED ABOUT THEM:
begin email
Your Payment was Returned
December 05
RE: Loan # (REMOVED for privacy)
Dear Borrower,
Your scheduled payment to CashCall, Inc. Set up through automatic debit in the amount of $250.31 was returned unpaid by your bank. Pursuant to the CashCall Promissory Note and Disclosure Statement, ("Note"), a returned item fee of $15.00 was charged to your loan.
Your loan is now past due and you must immediately replace this payment via a MoneyGram transaction in the amount of $265.31 (see instructions below). Failure to make good on this loan payment may negatively impact your credit standing and you may be subject to incur additional fees (please see the "Note" for clarification).
If you have any questions, you may reach CashCall, Inc. At (866) 899-1844.
Sincerely,
CashCall, Inc.
Moneygram instructions:
RECEIVE CODE: (Code deleted for privacy reasons)
CITY, STATE: IRVINE, CA
To find a MoneyGram location near you, please visit MoneyGram.com or contact a CashCall agent at (866) 899-1844.
This communication is an attempt to collect a debt and any information obtained will be used for that purpose.
End email
As promised in an email to Cash Call, I am following up with my own promise to make sure everyone knows about the fraud that has been committed by this company. I sent them an email on Thursday, 12/06 with no response, usually indicative of an unwillingness to move forward with a promise that was made.
I will update this issue when and only when the satisfactory resolution of this includes the following:
1. My $15.00 fee is removed FROM MY LOAN.
2. Cash Call debits my account on December 15 instead of forcing me to perform a money gram transfer.
3. A formal apology is written about the mistake.
4. The representatives in question are reprimanded.
Cash Call: You have been warned and have ignored my requests. Now you must pay the piper.
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