The tactics of this company has completely astonished and appalled me. I first applied to this company on Jan. 5th and received the same email as below of course with different due dates. Signed contract vie E-signature of which I never even received a copy of. I resended it on Jan. 7 telling them I had changed my mind. They had already deposited the 200 and pulled it back out per my request. On Feb. 25 I found I was in need of it and asked for new loan. I never received a new contract only the email below. Now keep in mind I have NEVER nor will I ever again take out a loan of this type. The 3rd sentence in the below email states plural due dates at which I thought they was taking there money in payments. Never stated any amount of payment but like clockwork 60 dollar payment B/W where taken out of my account a total of 240 dollars.
Two weeks passes and a 260 dollars is drawn out at one time at which time I contacted my bank and filed an unauthorized access form against them. I knew in my mind I only owed them 20 dollars. I also informed this company that they no longer have authorization to withdraw any future monies from my account, which they ignored and pulled it again the next week. I once again along with email I sent to this company revoking this the week before, once again signing another unauthorized access form. My bank imed. Both times returned my money back to my account and advised me to close this account at which time I did. Now thinking they were taking 60 payments I used the monies I had let set in my account for cpl weeks.in the email below it states IF THIS IS NOT CORRECT PAYDATE. I was ready for them to take the full amount money out on the 14th but they just pulled 60. I never got an extension, have NEVER recieved any form via email.
I have had some of the rudest people I have ever encountered in my life on the phone with this company. One calls my work by the name of Wendy I return her call and we are not in agreement on the phone and she just freakin hangs up. So I call back guy named Bob answers the phone and says he see I was talking with Wendy. I state to him I do longer wish to ever speak to her again and he pulls up my account on his laptop, I'm telling him whats goin on and he freakin hangs up.
I call back a 3rd time and this man name Mike answers states to me he is the supervisor, I stated to him I was talking with Bob and got disconnected somehow. He says there is no Bob that works there. I once again go through all this and he treats me like I'm a complete idiot. Basically telling me I don't know how to read and follow directions. And that it was going to cost me a whole lot more in the process if I do not agree to pay him 50 a week till this is paid off. And that he has a signed contract-which is way over 30 days old-he said wasnt over 30 days old and still good.
Over and over he tells me Im playing stupid with him and says that I have took pay day loans before and know how they work-which I told him was a lie and referred him to email I sent to the org. Loan officer. He said well I can see you are not going to pay this so I will proceed with other actions. I told him to do whatever it was he needed to do. He at this time some 30 min, later told me our conversation was being recorded and he would do just that. But I am by far not a stupid person except until now. I told him I was going to contact an attorney and would call him back after I spoke with one and for them to not ever call my work place again. He said to me we are not a collection agancy and I can call anytime I want to. I then told him I would tell the secretary not to take anymore calls from these people. He didnt like that and said well I'm just goin to mark this file to proceed on with whatever he had to do, and he hung up. I have never returned his call back.
I am thankful for this sight has used it a few times. I researched these companies against the Ohio State License and can find no record of a license under any of these company names. Also have pulled up Ohio State Payday Loan Consumer Information page and maximum finance rate and fees are $10/100 = 5%per month. They charged me 60 dollars for the loan of 200 dollars and the 60 dollars they claim was extension fees of 60 dollars every 2 weeks—that I actually really thought was making payments toward the 200. I have not heard abck from these people but I assume I will. I am going to send to them the 20 dollars I say I owe them to address that I got off here somewhere. And I will write on it 200 loan paid in full, I DON'T EVEN HAVE ACCOUNT NUMBER, and just hope they refuse it.
This has already cost me alot of time and money and I refuse for it to cost me anything else. I also am going to send then a cease and desist letter. I also am contacting the Attorney General and the Ohio Licensing Board. They have already pulled all illegal activity on me they are going to. To state once again I HAVE NEVER RECIEVED ONE OF THESE FORM EMAILS!!! And Mike said well I knmow you did prob went to your junk mail and you deleted it, funny all other emails from Tanasha (Loan officer) came right to my reg.inbox email, why would this not???
Its hard enough to make it today and when honest hard working people like myslef that just needs a hand of help now and then fall prey to these bands of thieves and wolves in sheep's clothing, well they need to remember that God's judgement day is soon to follow. I can sleep at night. I don't see how these people can or do sleep.
This is copy of the orginal email, I did add stars to what I described above in report
Dear Debra,
Congratulations!
Your $200 loan has been approved. The fee for your loan is just $60. I have your due* dates* set up on B/W Fridays. Your *first due date *will be 03/14. *You must call us at 1-800-351-8820 at least 4 business days before your due date if this is not a correct pay date* for you. We will send the extension form via email; if you do not pay the loan in full you will receive updated forms via email 5 days before your next due date. The form will have 3 payment options:
Extend Which does not put anything towards your balance, it just extends your loan until the next due date.
Pay Down This option is to pay the extension fee plus put any additional funds that you prefer towards the balance.
Clear Balance Pay the loan if full.
We ask that you fill that form out and fax it back to us at least 4 business days before your due date, if we do not receive that back from you before the due date, we will automatically pull the extension fee only and extend your loan for you.
Thank you for being our next valued clientmail%
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