This business is not BBB accredited.

CashNetUSA

Phone: (888) 801-9075 View Additional Phone Numbers 175 W Jackson Blvd Ste 1000, Chicago, IL 60604 View Additional Email Addresses http://www.cashnetusa.com


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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for CashNetUSA include:

  • 227 complaint(s) filed against business
  • Government action(s) against the business

Factors that raised the rating for CashNetUSA include:

  • Length of time business has been operating
  • Response to 227 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

227 complaints closed with BBB in last 3 years | 66 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 39
Billing/Collection Issues 30
Delivery Issues 90
Guarantee/Warranty Issues 2
Problems with Product/Service 66
Total Closed Complaints 227

Customer Reviews Summary Read customer reviews

12 Customer Reviews on CashNetUSA
Customer Experience Total Customer Reviews
Positive Experience 3
Neutral Experience 0
Negative Experience 9
Total Customer Reviews 12

Additional Information

BBB file opened: March 27, 2014 Business started: 09/10/2003 Business started locally: 09/10/2003
Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Steven Joung, Vice President of Operations Jamila Ellison, Compliance Specialist Blair Hanzlik, Director of Compliance Andy Lapointe, Compliance Officer Blanca Lule Ms. Season Wolfe, Compliance Specialist
Contact Information
Principal: Mr. Steven Joung, Vice President of Operations
Customer Contact: Ms. Season Wolfe, Compliance Specialist
Business Category

Consumer Finance & Loan Companies Payday Loans Cash Advances Loans Commercial Banking (NAICS: 522110)

Alternate Business Names
Ca$hNetUSA CashNetUSA.com CNU Online Holdings, LLC
Additional Information

In accordance with findings from the BBB of Fort Worth:

The Better Business Bureau of Fort Worth and Tarrant County, Inc. (BBB of Fort Worth) has received more than 100 complaints since 2013 from consumers who say they received a phone call from someone claiming to be a representative of CashNetUSA. Consumers were asked for money to process a personal loan application, and to put the money on a Green Dot MoneyPak prepaid card or send the money via a wire transfer.
CashNetUSA is aware of the scam and is working to educate its customers and the general public about these con artists. "These phone calls are not coming from CashNetUSA ," said Megan Staton, director of marketing for CashNetUSA. "As a legal, licensed lender, we do not ask or require payment in advance of funding a loan. If you ever receive a call from an individual claiming to be from CashNetUSA but you have doubts about the caller's true identity, hang up and call our fraud prevention team at (866) 254-3581." In addition, CashNetUSA provides consumers with information and safeguards relating to the scam through its website--www.CashNetUSA.com/consumer-notices.

Continued investigation from the BBB of Chicago found that Cash Net USA had been acquired by Cash America International, but operates as a separate legal entity. The acquisition establishes an internet distribution channel for Cash America to provide payday loans. CashNetUSA will compliment Cash America's 758 physical locations. In order to better handle the scam reported as their company, CashNetUSA has committed to training their customer service representatives on what they do and do not offer as a company, so that consumers might better understand the services offered by CashNetUSA before signing up for anything. The BBB will continue to monitor this scam, as well as future CashNetUSA complaints.


Customer Review Rating plus BBB Rating Summary

CashNetUSA has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of C.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    175 W Jackson Blvd Ste 1000

    Chicago, IL 60604

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

4/29/2016 Billing/Collection Issues | Complaint Details Unavailable
4/20/2016 Problems with Product/Service
4/20/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been contacted by numerous collection companies (it appears they have sold my debt multiple times) and each one has harassed me and told me I owe way more than I should and I need to agree to a settlement or they will take me to jail. I don't appreciate this and want some kind of resolution in the matter as it has caused undue stress. They have increased the loan amount and interest rate without my knowledge on multiple occasions and I believe this to be illegal. I will not pay them what I do not Owe them and it is not legal to harass individuals to pay a debt.

Desired Settlement: I want this amount completely ratified as I have been repeatedly harassed and it is illegal to do so

Business Response:

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

This is fraud and CashNetUSA is not responsible for or participating in the complained conduct.

CashNetUSA is not associated in any way with the persons referenced in this complaint. CashNetUSA is not attempting to collect any money from Ms. ******* and has no knowledge of the calls that Ms. Dodson mentions in her complaint. Further, CashNetUSA does not have any entity attempting to collect a loan on our behalf. 

These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. 

On October 15, 2014, Ms. Dodson opened a $1,100.00 Line of Credit with CashNetUSA. However, after being in a delinquency status for over 180 days, on December 29, 2015, CashNetUSA sold the account to a third party debt buyer, National Credit Adjusters (NCA). Contrary to Ms. Dodson’s assertion, CashNetUSA has not repeatedly sold her account. CashNetUSA has not attempted to contact Ms. ******* since we sold the account.

While we sympathize with Ms. *******’s situation, we cannot take action because the complaint is not related to CashNetUSA. We recommend that she follow the link below to the ******* ***** **********’s web site for information on how she can protect herself against this type of activity.

http://www.****************/articles/0258-fake-debt-collectors

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

4/12/2016 Problems with Product/Service
4/10/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I used a promo code for a % off of my finance charges and even called the day that I completed loan on line and was told that the rebate would be given at the end of the loan and I have made it to the end of the loan and all payments were made on time, not just the 1st 2 as required and they are saying no code was applied.

Desired Settlement: I would like my rebate as promised. I held up my end of the bargain and I feel that they need to be held accountable to hold up their end.

Business Response:

Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

On September 29, 2015, Ms. ***** was funded an $800.00 installment loan. Ms. ***** signed her loan agreement stating she understood and agreed to the terms and conditions associated with the installment loan.  Subsequently, Ms. ***** contacted our customer service department to obtain further clarification of how the coupon operated. 

However, our records do not indicate that she applied the coupon code when she applied for her loan.

At CashNetUSA, wepride ourselves on looking afterourcustomer’s by attempting to resolve any issues in a straightforward, efficient and amicable manner –weput ourcustomersfirst. As a gesture of goodwill, we have processed a rebate in the amount of $348.61 to Ms. *****'s bank account. We ask that she please allow 3-5 business days for the transaction to appear in her account. 

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** *****

4/7/2016 Advertising/Sales Issues | Complaint Details Unavailable
4/4/2016 Billing/Collection Issues
3/30/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 3/23/2006, I received an email from company stating that I owed them initially $***, but now I owe them $***. I never would accept a ****** loan to begin with, yet they insist on threatening to have the *** seize my bank account, and a sheriff will be at my door with a summons. I am 65 years old and disabled and this threatening is causing me to loose sleep and be over anxiety affecting my health. I know now that they have 391 complaints exactly like mine through Consumer complaints and accused of fraud which they are trying to do with me. Please help me because I truly never accepted a loan from them and now they are also messing with my credit score. This has to be illegal to use complete intimidation and fear tactics on a elderly disabled man. My daughter has Progressive Multiple Sclerosis and this is ruining my dream of helping get a home which is handicap accessible. Thank you for allowing me to talk/write to an organization that cares.

Desired Settlement: I want them to stop raising my blood pressure, which is a serious problem and stop trying to scare me into paying for a loan I never received which is reflected in my bank deposits history in all transactions. If they deposited money in my account you would think that these actions would be reflected in history of my bank statements. Please help me to have them stop threatening me and stressing a burden on my health.

Business Response:

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

As an initial matter, CashNetUSA does not provide financial services to residents of Connecticut.

This is fraud and CashNetUSA is not responsible for or participating in the complained conduct.

CashNetUSA is not associated in any way with the persons referenced in this complaint that sent the email. CashNetUSA is not attempting to collect any money from Mr. ****** and has no knowledge of the email that Mr. ****** mentions in his complaint. Further, CashNetUSA does not have any entity attempting to collect a loan on our behalf. 

These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. 

Mr. ****** is not and nor has been a CashNetUSA customer.

While we sympathize with Mr. ******’s situation, we cannot take action because the complaint is not related to CashNetUSA. We recommend that he follow the link below to the Federal Trade Commission’s web site for information on how he can protect himself against this type of activity.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Consumer Response:


Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** ******, however if this is fraudulent and affecting my credit report negativetly, what resolve can I have to clear my name?

I can send you a copy of their originalcomplaint through attachment but I have no other document because this letter I never knew who they were.  This is truly unfair.

Sincerly,

****** ******


3/24/2016 Billing/Collection Issues
3/22/2016 Billing/Collection Issues
3/19/2016 Billing/Collection Issues
3/19/2016 Billing/Collection Issues
2/21/2016 Problems with Product/Service | Complaint Details Unavailable
2/20/2016 Problems with Product/Service
2/19/2016 Billing/Collection Issues
2/12/2016 Problems with Product/Service
2/9/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I got a loan from CashNetUSA for 750. I made the first payment of 178.52 and now my next payment is due for 194.03. I check my account balance on the site and it says I have 817.20 (that's what I need to pay if I don't want the interest to go up).

Desired Settlement: I want to give that 750 back so the business would stop harassing me for payments that keep increasing every two weeks.

Business Response:

Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

As an initial matter, CashNetUSA does not provide payday loans to residents of Virginia. CashNetUSA is authorized to provide an open end line of credit.

On December 19, 2015, Mr. ********* opened a $750.00 Line of Credit with CashNetUSA. Mr. ********* signed his line of credit agreement stating he understood and accepted the terms and conditions associated with the line of credit. At all relevant times, our lending, fees and interest, and charges have complied with the applicable laws of Virginia. The fees and interest applicable to the advance Mr. ********* requested were fully set forth in the loan agreement, a copy of which was provided to him when he opened the account.

On December 21, 2015, per Mr. *********** request, he was funded a $750.00 advance. Since then, he has made only minimum payments on his account. Mr. ********* always has the option to make additional payments or repay the amount outstanding in full at any time without penalty.

As set forth in Mr. *********** line of credit agreement, he is required to make at least the minimum payment every billing period he carries a balance.  The minimum amount due on each due date will be 15% of the outstanding balance and any fees plus all interest accrued. 

As set forth in Mr. *********** Line of Credit agreement, interest charges are assessed when the statement closes to the amount borrowed for that billing period. We do not charge interest on fees or accrued interest (no compounding). The daily periodic rate applied to his account is 0.8192%. The corresponding Annual Percentage Rate is 299%.

In addition to interest, there is also a transaction fee. As set forth in Mr. ***********, Line of Credit Agreement, there is a transaction fee for every advance requested; the transaction fee is 15% of the total amount borrowed.

In addition to disclosing the charging structure from the outset, we keep our customers informed by supplying periodic statements. Amongst other loan details, the due date, minimum payment amount, and account balance are shown on each periodic statement.

CashNetUSA values Mr. ********* as a customer and strives to provide the ultimate customer experience. Should Mr. ********* want to determine what his options are in regard to paying off his loan, we ask that he please contact our Customer Support Department at (**** ******** for assistance.

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

2/7/2016 Billing/Collection Issues
2/5/2016 Advertising/Sales Issues
2/5/2016 Problems with Product/Service
1/28/2016 Advertising/Sales Issues
1/24/2016 Problems with Product/Service
1/24/2016 Billing/Collection Issues
1/23/2016 Problems with Product/Service
1/16/2016 Billing/Collection Issues | Complaint Details Unavailable
1/15/2016 Billing/Collection Issues
1/4/2016 Problems with Product/Service
12/29/2015 Problems with Product/Service
12/29/2015 Problems with Product/Service
12/27/2015 Billing/Collection Issues
12/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted them to ask for a payoff quote and was shocked to see my bi-monthly payments barely made a dent on my loan. I asked for assistance in lowering the interest rate so I can pay it off quicker and the only option was to defer or split one payment. I borrowed 2,600 and have paid 3,600 but still owe 2195.00 in principal today. My previous loans had better terms, the associate told me the loan term was 18 months versus my usually 13 so the interest rate is higher. I have fulfilled my commitment and made my payments and at this point paid 1,000 over my loan balance. I cannot believe they cannot come to an agreement with me to help reduce the cost. I asked to get information about their regulator to inquire about the terms of my loan and the associate stated he didn't have that information. I feel this business has taken advantage of my previous relationship and loans and gave me a loan with unfavorable terms.

Desired Settlement: I would like to have them wipe the rest of the balance. I originated this loan in March 2015 have paid it with interest.

Business Response:

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

On March 9, 2015, Ms. ***** was funded a $2,600.00 installment loan. CashNetUSA disclosed the applicable interest and payment schedule for the loan prior to her signing the agreement. In addition, CashNetUSA disclosed the cost of credit and the total amount payable under the loan agreement. Ms. ***** then signed her loan agreement stating that she agreed to and accepted the terms and conditions associated with the personal installment loan. Ms. ***** is a returning customer therefore it appears that she is familiar with how the product works.

Ms. ***** agreed to the following payment schedule when she entered into the loan transaction:

Payment No. Amount of Payments When Payments Are Due
1 $225.76 04/01/2015
2 $225.76 04/15/2015
3 $225.76 05/01/2015
4 $225.76 05/15/2015
5 $225.76 06/01/2015
6 $225.76 06/15/2015
7 $225.76 07/01/2015
8 $225.76 07/15/2015
9 $225.76 07/31/2015
10 $225.76 08/14/2015
11 $225.76 09/01/2015
12 $225.76 09/15/2015
13 $225.76 10/01/2015
14 $225.76 10/15/2015
15 $225.76 10/30/2015
16 $225.76 11/13/2015
17 $225.76 12/01/2015
18 $225.76 12/15/2015
19 $225.76 12/31/2015
20 $225.76 01/15/2016
21 $225.76 02/01/2016
22 $225.76 02/12/2016
23 $225.76 03/01/2016
24 $225.76 03/15/2016
25 $225.76 04/01/2016
26 $225.76 04/15/2016
27 $225.76 04/29/2016
28 $225.76 05/13/2016
29 $225.76 06/01/2016
30 $225.76 06/15/2016
31 $225.76 07/01/2016
32 $225.76 07/15/2016
33 $225.76 08/01/2016
34 $225.76 08/15/2016
35 $225.76 09/01/2016
36 $224.71 09/15/2016

As set forth in Ms. *****’s installment agreement, the Annual Percentage Rate is 187.99%. The dollar amount the credit would have cost Ms. ***** is $5,526.31. The total amount Ms. ***** would have paid after she has made all scheduled payments would have been $8,126.31.  All of this was clearly disclosed, before she signed up for the loan, and in the agreement. 

In review of Ms. *****’s concerns we have concluded that on November 30, 2015, Ms. ***** contacted our customer service department and requested that we lower the interest on loan. However, at the time that she contacted us, her account was current and we could not accommodate her request because the terms of the original loan agreement were still in effect. 

Although we were not able to accommodate Ms. *****’s request, we offered alternative payment assistance, but Ms. ***** did not agree to the options presented.  CashNetUSA strives to provide the ultimate customer experience and although all of the loan information, terms and conditions were fully disclosed to Ms. ***** in advance of her signing the agreement, we are willing to answer any additional questions she may have. We ask that she contact our customer service department at 888-801-9075 for assistance. 

Lastly, we apologize that our agent was unable to answer Ms. *****’s question about who regulates us. CashNetUSA is licensed and regulated by the California Department of Business Oversight. 

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide more information, please contact us.

12/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I paid off a Payday Loan on 6/5/2015 and am entitled to a rebate of $98+; because I had closed my checking account and have my Social Security check deposited to a pre-paid debit card for safety, I told them to mail the rebate check directly to my home address. I have been waiting nearly six months. A few months ago I began callin weekly-no check. They tell me it has been approved to be released, it has been mailed, ten they cancelled the check and would send a new one. I never receive the chek. I have dealt with various techs, one named Trent but have never been able to reach him again.

Desired Settlement: I want the rebate check sent via overnight mail directly to my home address. Six months is a long, long, time to wait.

Business Response:

Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

On December 30, 2014, Ms. ******* was funded an $800.00 installment loan. Ms. ******* signed her loan agreement stating she understood and agreed to the terms and conditions associated with the installment loan.  

On June 5, 2015 Ms. ******* paid her full account balance.  

Due to an administrative error, Ms. *******’ rebate was not issued in a timely manner. On December 2, 2015 CashNetUSA re-issued a check to Ms. ******* via postal mail to the address on file. Please note that the check is dispersed from our parent company Enova Financial. We ask that Ms. ******* please allow 3-5 business days for postal processing. We truly apologize for the inconvenience this matter may have caused Ms. *******.

CashNetUSA strives to provide the ultimate customer experience. As such our compliance department has attempted to contact Ms. ******* in regards to her concerns; unfortunately we have been unsuccessful in contacting her. We ask that she please contact our compliance department at 888-801-9075 ext. **** with any questions.

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 10973418, and find that this resolution is satisfactory to me.

Sincerely,

Delores Nickel

12/5/2015 Billing/Collection Issues
12/5/2015 Problems with Product/Service
12/4/2015 Problems with Product/Service | Complaint Details Unavailable
12/1/2015 Billing/Collection Issues
11/24/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have taken 3 loans out from Cash Net USA.First two were paid in full including paying off early on the 2nd one.When I took out my 3rd I started to have issues. This loan was taken out in January of 2015.In March 2015, they tried to take out two payments. I chatted to let them know I could not do two payments in one month and was told the second payment would be pushed back to May 2016 (loan should have had last payment in April 2016). I agreed to this. From there on out payments came out of my account as normal with no issues.Every time I chatted with them after that which was almost monthly to check on my pay off amount I always asked them to include the amount from the last payment they added in for May 2016 which they did every time.In September 2015 I decided to make an extra payment in trying to pay it off quicker. This was a mistake.After doing so I ended up receiving an email saying my entire loan balance was past due and I was being sent to collections.I chatted at that time to inform them of their mistake and was told at that time that that the agent who moved my payment back to May 2016 was not supposed to and could I make an extra payment now. At that time I made the extra payment.In October on the day my normal payment was to be due, they tried to take out the entire amount of my loan which was denied by my bank. I was then sent to collections again.When I chatted this time I was told they would once again have to fix the loan, but that I was now past due by $355 which is incorrect as I had made the extra payment they said I owed the previous month. They refused to remove the past due payment even though payment had been made.I refused to make the payment as they violated the terms of the loan set forth and will be making no further payments to them at this time until this is resolved. I have emails from them monthly regarding my payment and never at any time did it state anything was overdue or in collections.

Desired Settlement: As they have violated the terms of my loan I want all further collection activity to stop and the balance of the loan to be removed. I have already paid them over $3300 towards the loan and paid off two previous loans. Since they have decided to violate the terms of the loan I no longer owe the balance and should not be in collections. They have shady business practices and clearly have lied to me on more than one occasion. I have emails showing my account was not passed due at anytime.

Business Response:

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
Our records reflect this complaint has been resolved.

On January 5, 2015, *** ********* was funded a $2,200.00 Installment loan with CashNetUSA. *** ********* signed her loan agreement stating that she agreed to the terms and conditions associated with the Installment loan, including the interest rate, payment application and payment schedule, all of which were clearly set forth in the agreement.  On October 29, 2015 Ms. ******** raised concerns about her account balance. Acting upon her concerns, the matter was elevated within our internal dispute resolution process and resolved in a way that she found satisfactory on November 10, 2015.

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/24/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I put in all of my correct and current information applying for a payday loan. I put in my current phone number, address, checking account routing and account number along with drivers license number and current expiration date. Now none of my information is correct, except my address and email address, and I did not get the loan they say I am now responsible for. I have contacted them and they told me I signed for this loan with all the info they have into my loan contract. I have given them a chance to make it right twice now. I still have not received my loan and they are unwilling to work with me on a resolution to give me my loan and use my correct information.

Desired Settlement: I want them to void this fake loan and fake application that they have concocted and put in place of my actual application and completely void out my account, fake, real and all.

Business Response:

Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
A review of the customer file indicated that this complaint has been satisfactory resolved.

On October 12, 2015, *** ****** applied and was approved for a $200.00 payday loan with CashNetUSA.

On October 15, 2015, *** ****** contacted our customer service department to inform us that the she had not received the funds in her bank account. As such, CashNetUSA explained that it would receive confirmation of the deposit from her bank within two (2) business days of the initial deposit. In addition, CashNetUSA confirmed that it had not changed and/or updated any of the information entered on the application.

On October 16, 2015, CashNetUSA received notification from *** ******’s financial institution that the payment returned due to the bank not being able to locate the account.

On October 18, 2015, *** ****** updated her banking information and reapplied for a payday loan.

On October 19, 2015, *** ****** was successfully funded a $200.00 payday loan.

We hope that this resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Thank you.

11/23/2015 Problems with Product/Service
11/12/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On October 14th 2015 I was approved for a loan through Cash Net Usa for $1,500.00, to be paid back in 18 months at $91.66 a month. I was on the phone with Cash Net the whole time I was sending the money, through ***** **** like they requested. (***** **** information: sent to ****** ****** in Huston Tx reference #: ******** in the amount of $161.50) After the money had been sent I was told they would call me back in 2 hours and i never heard back from them. I called back October 15th 2015 and was hung up on and finally was able to get a hold of someone they told me they didnt recieve the money that i would have to send more. I called ***** **** and they told me that Cash Net received the money at 8:47pm on the 14th 3 hours after I sent it. I called Cash Net back and they changed there story that they did receive it but there was an error so they need me to sent them more money then they would refund me the $161.50 and give me the $1,500.00 they approved me for. I told them I didnt have any more money and they got rude and hung up on me. I called back and they told me if I didnt sent them the $161.50 again I lose the money and the $1,500.00 they said i was approved for. Cash Net Usa information they gave me is phone# ************ ***** ******** ******************* **** ******* **** ******

Desired Settlement: money back and them not to be able to do this to anymore people

Business Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.

After a careful review, we have determined that this complaint appears to be about a fraudulent entity. CashNetUSA is not responsible for or participating in the complained about conduct.
In addition, CashNetUSA is not associated with the persons referenced in *** ********* complaint. The phone number listed in the complaint, ************ and email address: ******************* does not belong to CashNetUSA.

*** ********* was a former customer, however, on September 23, 2015 and October 15, 2015, applied for financial services, but we were unable to approve his application.

While we sympathize with *** *********** ********** ** ****** **** ****** ******* *** ********* ** *** ******* ** *********** ** ** ******** **** ** ** ***** ********* ** * ********** ******* ** ********* **** ** ****** *** **** ***** ** *** ******* ***** ************ ******* *** *********** ** *** ** *** ******* ******* ******* **** **** ** *********

**************************************************************

We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan with Cashnet USA on $1,700.00 on 7/24/2015. I decided to consolidate my bills and took out a loan with ********** Financial on August 24, 2015. I was advised that the funds to cashnet had to be sent directly to Cashnet from ********** and that the check would be sent overnight to cashnet. There was a misunderstanding on how the funds were to be sent because mailed in payments are sent to a PO Box which changed the method of sending to regular mail. When I called in to verify that cashnet received their payment I was advised that it could take up to 20 days before a payment would post. That was unacceptable since interest continued to accrue so ********** put a stop payment on their check and reissued a check in my name to pay them. I immediately called Cashnet and advised them of what went on and asked to pay off the loan. I was advised that I was not able to pay off my loan because it was already paid off that the ********** payment had posted. This is the same day I was advised nothing had been received and it might take 20 days to post. I asked what I had to do to resolve this matter to prevent additional interest and was told by a cashnet agent that I was to either return the money to ********** because their payment had cleared or set the money aside so that if the payment was returned I could pay it off and avoid interest. I followed up with several calls to inquire if the payment had been returned and was told no. No attempt to contact me either via email or by phone was made to inform me of the returned check. I had no knowledge anything had occurred until I checked my bank account and found a $184.26 fee had been removed from my account that is when I called in to inquire and take care of this issue. My complaint is that as of August 31, 2015 my payoff was $1751.80. As of September 24, 2015 my payoff cost me $1826.04 plus the $184.65 payment which was taken from my account on September 22, 2015.

Desired Settlement: DesiredSettlementID: Refund I find it deceitful that when I asked the manager for reimbursement of the difference of what I had paid to be refunded since they were aware of the situation, I had tried to make a payment on September 4, 2014 to pay what was owed at that time and they refused to accept payment because they said nothing was owed. However, I specifically asked that they note what was going on and someone to contact me if anything changed so that I could pay my debt. I should be reimbursed $258.89.

Business Response: Initial Business Response /* (1000, 5, 2015/10/13) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On July 24, 2015, Ms. ******** was funded a $1,700.00 Installment loan. Ms. ******** signed her loan agreement stating that she agreed to the terms and conditions associated with the Installment loan, including the interest rate, payment application and payment schedule, both of which were clearly set forth in the agreement. On August 25, 2015, Ms. ******** contacted our customer service department and requested the full payoff amount for August 31, 2015. As such, we advised that the balance would be $1,751.80. On August 31, 2015, CashNetUSA received a check for $1,751.80. On September 24, 2015, Ms. ******** paid the amount of $1,826.04 via debit card. However, after a careful review of Ms. ********'s concerns, we understand that there may have been a misunderstanding of our procedures concerning the processing of check payments. As such, CashNetUSA is willing to reimburse $258.89 to Ms. ********. Our compliance department has attempted to contact Ms. ******** in regard to this matter; unfortunately she has not contacted us back. We ask that she please contact Laura Chavez directly at XXX-XXX-XXXX for assistance with her refund. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Because of an excellent pay history of paying in full 10 loans with Cash Net USA since 7/18/2015, they advised me to switch to their Flex Loan Payment Service, which according to them is a better service. However, the monthly payment amounts do not allow me to pay off the loan. Instead, the amount due keeps getting higher every month. My initial loan was $1200 ($450 on 7/7/15 + $750 on 7/13/15). I have paid at total of $739.72 and now the amount due is $1421.53. This is outrageous and should be against the law.

Desired Settlement: I would like all the money I have paid to be applied to the loan in order to decrease the total amount due. After which, I will pay the remaining balance due and not do business with them anymore. Also, I would like Cash Net USA to not be allowed to conduct business like this with anyone else. How can people get ahead if they borrow money and never be able to pay off the loan based on the amount Cash Net USA say is due. That is ridiculous and they should not be allowed to take advantage of people like that.

Business Response: Initial Business Response /* (1000, 6, 2015/10/14) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Ms. Smith questions the legality of CashNetUSA being able to provide financial services to residents of Tennessee. CashNetUSA is licensed to provide a Flex loan under the Flexible Credit Act. Our license number is XXXXXX. At all relevant times, our lending, fees, interest, and charges have complied with the applicable laws. It should be noted that we stopped offering our payday loan product to residents of Tennessee as of June 2015. On July 6, 2015, Ms. Smith opened a Flex Loan account with CashNetUSA with a credit limit of $1,250.00. Contrary to Ms. Smith's assertion, we do not give financial advice. CashNetUSA advised Ms. ***** that we have a new product to offer to residents of Tennessee and provided features the Flex loan plan has to offer. Before she became bound by the agreement, CashNetUSA disclosed the terms & conditions and the charging structure of the Flex Loan Plan. Ms. Smith signed her Flex loan agreement stating she understood and agreed to the terms and conditions associated with the Flex loan. The interest and fees applicable to her line of credit were clearly set forth in the agreement. Over the course of Ms. Smith's relationship with CashNetUSA, she has taken two (2) advances and made minimum monthly payments on her account, and additional payments without any penalty. As set forth in Ms. Smith's Flex Loan agreement, interest will be charged each day on the principal that is scheduled to be outstanding. The daily periodic rate applied to her account is 0.XXXXX%. There is also a customary fee of 0.069% that is based on the daily principal balance and the number of days outstanding during each billing cycle. Ms. Smith will be required to make minimum payments every billing period she carries a balance. The minimum amount due on each due date will be the greater of 5% of the outstanding Principal Balance plus all fees and accrued interest or $35, not to exceed the account balance. The due date and minimum payment amount are shown on each periodic billing statement. CashNetUSA values Ms. Smith as a customer and strives to provide the ultimate customer experience. As such, we would be happy to answer any questions she may have regarding her Flex loan plan. We ask that she please contact Laura ****** directly at 312-754-6781 to address her concerns. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/23/2015 Advertising/Sales Issues
10/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Concern for my personal information from hackersThis company does not have security protection of my personal information. I was recently involved in a scam, and they had my information from old account numbers from cashnetusa. I have signed up for a loan from them but was never approved and i also checked to not have my information solicited to a 3rd party. Now these scamers have my perosnal information and I am now concerned. Somehow these hackers have hacked into their system and stolen customer's information. I have the pdf file of what was sent to me from cashnetusa. Please do your best to protect your customer's personal information. I read reviews of a scam, but they shouldn't even be able to get into the system. Luckily I caught it and was able to report them to the police, FBI and the better business bureau.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I just want my information blocked or removed from their system, so that hackers cannot retrieve information from me.

Business Response: Initial Business Response /* (1000, 5, 2015/10/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, CashNetUSA is not affiliated with the persons referenced in the complaint. Our records indicate that Ms. ***** has applied for financial services with CashNetUSA several times through third party marketing partners; however, CashNetUSA was not able to approve her application. Therefore, CashNetUSA has never issued a loan to Ms. *****. CashNetUSA has not attempted to contact Ms. *****. Based on the complaint details it is clear Ms. ***** has been contacted by fraudulent collectors. CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted Ms. ***** who are posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling Ms. *****. Ms. ***** requested her information be deleted from our database; please note her CashNetUSA account has been deactivated. She will not receive further correspondence from CashNetUSA and will no longer be able to log into her customer profile. However, CashNetUSA will not be able to honor Ms. *****'s request to delete her personal details from our internal database. State and Federal laws require CashNetUSA to retain a record of customer information submitted to us as part of an application for set periods of time. However, we can assure Ms. ***** that CashNetUSA takes seriously its responsibility to protect customer information. Ms. ***** may refer to CashNetUSA's Privacy Policy for more details regarding the collection and use of customer data by following the link below: https://CashNetUSA.com/privacy-policy CashNetUSA values the privacy of all our customers and we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer information. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 7, 2015/10/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) In my initial statement, I ALREADY acknowledged that I NEVER obtained a loan from Cashnet USA. I am understanding of Federal and State regulations. I have applied for loans DIRECTLY through this company. Please do not insult my intelligence. This matter is resolved and I Thank you all for deactivating my profile.

9/29/2015 Problems with Product/Service
9/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When asked to return the funds back to establish credit with their company I so. They issued bad checks to my bank which NOW I'm responsible for as the back is sending me to collections to get the money back

Desired Settlement: $1280 to repay ** bank

9/9/2015 Advertising/Sales Issues
8/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On or around 7/13/15, someone opened an electronic account (#XXXXXXXX) with company to receive a loan (approx $1600). Company allowed someone to use my personal information without conducting any due diligence to confirm me. Loan issued to person by company. I contacted company after I received a letter from them regarding account. I called to inform them of fraudulent activity. Company responded that it is my responsibility to resolve; even though they issued to someone without conducting appropriate background check. Their response is to attack me with a collection agency.

Desired Settlement: Company be held responsible for their bad business model, rather than me (innocent public). They don't care if their actions will impact my personnel well being and financial stability. Some action is needed to control financial institutions, such as CashNetUSA abusing law abiding citizens. I want them to cease persecuting me for their business model that promotes fraudulent activity -- the same fraudulent activity that probably includes a government bail out on their part. Under this framework, they win, the fraudulent person wins, the consumer losses by increased taxation and personal financial instability. Please help.

Business Response: Initial Business Response /* (1000, 5, 2015/08/19) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. As an initial matter CashNetUSA performs numerous checks during the application process to verify a customer's identity. According to our records, on July 13, 2015, Mr.******* was funded a $850.00 CAB (Brokered) loan after we received a loan application completed using his personal information. On August 6, 2015, Mr.******* contacted us and asserted that he was the victim of identity theft. As such, Contrary to Mr.*******'s assertion, CashNetUSA advised him that in order for CashNetUSA to investigate his identity theft claim, it would need a copy of a police report or fraud affidavit. However, if we do not receive the requested documentation, the account will be subjected to collection activity. On August 18, 2015, CashNetUSA received Mr.*******'s police report and accepted Mr.*******'s identity theft claim. The account profile has been updated accordingly. We hope that this response resolves this complaint and answers any questions your office has. If we can provide any additional information, please contact us.

8/17/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The agreement with CashNetUsa after 2 on time payments are made and the installment loan is paid off, I would receive a rebate. The rebate would be calculated based on a percentage of the total installment loan amount of $1,200. The 2nd on time payment was made 7/15/15. The installment loan was paid off on 7/15/15 also. I was informed the rebate would be credited to my account 72 hours after the loan was paid off. It is now July 27th and I have not received a dime from CashNetUSA. No one will answer me now.

Desired Settlement: I want the rebate agreed upon refunded to my checking account.

Business Response: Initial Business Response /* (1000, 5, 2015/08/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint is resolved. On June 22, 2015, CashNetUSA arranged a $1,200.00 CAB Installment loan for Ms. *****. On July 15, 2015, Ms. ***** paid off the full account balance. Due to an inadvertent error, Ms. *****'s rebate was not processed in a timely manner. On August 6, 2015, CashNetUSA processed the rebate in the amount of $59.66 to Ms. *****'s bank account. We ask that she please allow 3-5 business days for the transaction to appear in her account. We apologize for the confusion this matter may have caused Ms. *****. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/17/2015 Problems with Product/Service
8/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On June 18th 2015 I received an email from Kiyoundia C. Of Cashnetusa that after reviewing my call the day before that I would be receiving a refund of $227.84 credited back to my account within 3 to 5 business days. When that didn't happen I called back and was told that they were mailing me a check instead to my address on file. This was July 2nd. I verified the address for the check to be mailed and Cashnetusa had not updated my mailing address in years and had .y of address from several years ago on file even though it had been updated years back. So at this point I was told on July 5 that since the check had. O been mailed yet that they would send it to the proper address. So in a called back several days later I was told that it was sent to the old address and I would have to wait till the check was returned before they issued another check. This has von on long enough and I keep getting told that the finance depth will send me an email concerning the multiple calls I have made and it never happened. I want .y money back in my account as promised in the first email. Credited back to my account just like they took it. No check just refund it as they said they were.

Desired Settlement: I want my $227.84 credited back to my bank account NOW! It had been almost 6 weeks. They got their money from me when they were supposed to. I want what is owed to me now! Now! Now!

Business Response: Initial Business Response /* (1000, 5, 2015/08/12) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On June 4, 2015, CashNetUSA arranged a $1,200.00 CAB Installment loan. Mr. ****** signed his loan agreement stating that he agreed to the terms and conditions associated with the CAB agreement. On June 17, 2015, Mr. ****** contacted our customer service department and requested to pay the full balance of $1,576.39 on June 18, 2015 via Automated Clearing House (ACH). On June 18, 2015, Mr. ****** paid the full balance of $1,576.36 via ACH. However, due to an inadvertent error, an additional debit of $227.84 was collected from Mr. ******'s bank account. CashNetUSA was not able to process Mr. ******'s reimbursement request via ACH. Therefore, we advised Mr. ****** (via email) that a reimbursement of the additional payment of $227.84 would be issued to the address we held on file via check. As such, CashNetUSA mailed a check to the address Mr. ****** listed on his account profile. At that time, Mr. ****** did not advise CashNetUSA of his new mailing address. Mr. ****** contacted CashNetUSA in regards to the status of his reimbursement, essentially advising us that the address he has on file is not current and provided his current mailing address. CashNetUSA advised Mr. ****** that since a check was issued to his old mailing address, CashNetUSA will have to confirm and/or verify the status of the previous check prior to issuing a new check. On August 5, 2015, CashNetUSA placed a stop payment on the previously issued check and submitted a new request to issue the check to Mr. ******'s current address. We ask Mr. ****** to please allow 7-14 business days for him to receive the check. We apologize for the confusion and inconvenience this matter has caused Mr. ******. As a gesture of goodwill for his experience, we have waived $100.00 off of Mr. ******'s current CAB loan balance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: While I have had previous dealings with cashnet usa,I ho not currently. I have been threatened and harassed with anything from loss of funds to jail. I,a long time ago, had to obtain the services of another company to stop harrassing and threatening for services I did not utilize nor wanted.******* ******* #********* UPDATED SETTLEMENT AMOUNT $270.24 Your case file #********** are handling by LEGAL DEPARTMENT OF *** Cash Service, So now you may cooperate them in order to resolve the case file #**********. You can reach on cashusacollection@***serviceusa.com for further more information. BEFORE YOUR CASE FILE #********** WILL BE DOWNLOADED We are talking about the loan that you took with the company due to penalty charges, interest charges and attorney charges the amount rises up to $1050.50 , and they do have a signed copy of the contract which is signed under your e-mail address *********@aol.com and SSN # *********also would like to mention your computer's IP address(***************) was also tr***d. When you were signing the contract with the company. The company have more than 14 technical evidence in order to prove the money was successfully deposited into your bank account *************************) . Talking about the creditor *** Cash Services is the mother company which owns & operates more than 1175 parental payday loan websites CASH NET USA, CASH ******* & *** CASH ADVANCE etc. And you have used one of them to get this loan approved. NOTE : KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE SETTLE AMOUNT OF $270.24 AND IF NOT THAN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST INTO THE COURT HOUSE. INFORMED TO YOUR EMPLOYER PL*** WHERE DID YOU WORKED (*******) AS ON ******* This is in reference to your Case File #********** with *** (*** CASH SERVICES) in order to notify you that after sending several emails and we were not able to get hold of you. So the IC3 (Internet Crime Complaint Center) has decided to mark this case as a flat refusal and press charges against you. Once your case file forwarded by us *** legal department, you account will be considered as not paid anything because you have never did any reply from a long time. After taking action against your name and SSN your case file will be forwarded to the courthouse. And once you found guilty into the court house than you have to bear the entire cost for this law suit $4518.15 which is excluding loan amount, attorney's fees, and the interest charges. if you failed to update us with cooperate us then be ready for going into jail under FDCA for 3 Years, and We will seize your all bank account and hold on SSN, Your account with *** is in Final Collections. According to our records, your outstanding balance was $1050.50 So, we are just giving you a last chance that if you just make a payment by today or tomorrow then we will close this account as paid in full with zero balance. We do hope that you will work out with this offer. Or, else we won't be able to help you out. Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. You can avoid this by taking care of this now. It is quick and easy: Do reply us right now and provide us the date on which you can make the payment. If you do not take immediate action we will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to $4515.

Desired Settlement: I want to be left alone and no longer threatened and harassed. I do not even want the money back I spent for legal action against Cashnetusa. No one should have to suffer through this.

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This is fraud and CashNetUSA is not responsible for or participating in the complained conduct. The phone number listed in the complaint, XXX-XXX-XXXX, does not belong to nor is it used by CashNetUSA. CashNetUSA is not associated with the persons referenced in Ms. *************'s complaint. CashNetUSA is not attempting to collect any money from Ms. ************* and has no knowledge of contacts Ms. ************* provided in her complaint. Further, CashNetUSA does not have any entity attempting to collect a loan on our behalf. On September 17, 2012, CashNetUSA funded an installment loan in the amount of $400.00 to Ms. *************. Ms. ************* signed her agreement stating that she understood and agreed to the terms and conditions associated with the installment loan. Ms. ************* successfully made payments one (1) through three (3) out of the seven (7) payments in her amortization schedule. On January 2, 2013, as per her contract, CashNetUSA submitted a payment of $113.30. The payment returned unpaid by her financial institution with the indication that the bank account had been closed. On January 23, 2013, CashNetUSA contacted Ms. ************* in regards to her account balance. Ms. ************* advised the representative that she was in credit counseling and was awaiting validation of the debt. Unfortunately our records do not indicate that either a power or attorney or a proposal was submitted from any credit counseling company on behalf of Ms. ************* and collection attempts continued. After being in a delinquency status in excess of one (1) year, on October 27, 2017, CashNetUSA sold the account to a third party debt buyer, National Credit Adjusters (NCA). The direct contact number to NCA is XXX-XXX-XXXX. CashNetUSA has not attempted to contact Ms. ************* or collect on her account since we sold the account to NCA on October 27, 2014. Because CashNetUSA does not own the account and has not been attempting to contact Ms. *************, CashNetUSA has no knowledge or control over the conduct detailed in Ms. *************'s complaint. Based on the complaint details listed it possible that Ms. ************* is being contacted by fraudsters posing as collectors. These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted the complainant and who are falsely posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from contacting the consumer. It is recommended that Ms. ************* contact the original company that the debt was sold to for assistance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/3/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On 04.02.14 an *** credit was made to my bank account for $650. I did not take out a payday loan with this company. Any attempt to establish this action is Fraudulent. On 04.29.14 my account was *** Debited for $818.51. I did not authorize this transaction. It resulted in an overdraft charge of $36. I became aware of this activity upon a review of my monthly statement. The bank confirmed this information for me.

Desired Settlement: DesiredSettlementID: Refund Recredit my account for $854.51 ($818.51 + $36.00). I in turn will repay the $650.00.After this do not solicit any more business from me.

Business Response: Initial Business Response /* (1000, 17, 2015/07/20) */ Thank you for forwarding this customer complaint we apologize for the delay in our response. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, CashNetUSA does not provide payday loans to residents of Maryland. CashNetUSA provides Maryland residents with an open-end line of credit. Mr. ****** has applied numerous times for financial services through a third party marketer. Unfortunately, we were unable to approve his application. As such, confirmation emails were sent to Mr. ****** advising him of his loan application status. Therefore, Mr. ****** is not a CashNetUSA customer. CashNetUSA has not funded and/or credited Mr. ******'s bank account. On May 1, 2014, Mr. ****** contacted our customer service department and was advised that we were unable to approve his application. Since Mr. ****** feels someone has fraudulently debited funds from his bank account without his authorization, we ask that he please contact his financial institution and file a fraud claim. He may also contact his financial institution to request the contact information for the company he feels fraudulently debited his bank account. This will allow Mr. ****** to contact that company directly and question how his bank account information was obtained by that company. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please let us know.

7/31/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I had and emergency come up that required me to get a loan from a company for $800.00. This is my first and last dealing with this type of unethical loan sharks. I started repaying the loan at a ridiculously high interest rate. I hired a third party to consolidate the loan which reduced my payments. The loan originator had agreed to take the lesser repayment. I made payments to the third party per agreement until satisfied. Now i get this email from CashNet stating I am in default and owe more money. Their website states $319.00, the email is stating $1,221, and my canceled checks are showing a total of $1353.00 paid. Now they are requesting my checking account information to collect the $1,221 to which I do not owe. I feel like they are trying to extort money from me as I have already paid almost double what I borrowed. I don't believe that I owe a total of $2574.00 total on a loan that they agree to reduce and is paid.

Desired Settlement: I would like for them to honor their agreement and accept the payoff they have been given instead of harassing me for more money.

Business Response: Initial Business Response /* (1000, 5, 2015/07/29) */ Thank you for forwarding this customer complaint. It is our goal to resolve consumer concerns with satisfactory results and in an amicable and expedient manner. On April 1, 2014, Ms. ******* was provided a $800.00 Installment loan with CashNetUSA. Ms. ******* signed her loan agreement stating she understood and agreed to the terms and conditions associated with the Installment loan which included the interest and payment schedule associated with his loan. Ms. ******* agreed to the following payment schedule he signed his installment loan agreement: Payment No. Amount of Payments When Payments Are Due 1 $123.93 04/25/2014 2 $123.93 05/09/2014 3 $123.93 05/23/2014 4 $123.93 06/06/2014 5 $123.93 06/20/2014 6 $123.93 07/04/2014 7 $123.93 07/18/2014 8 $123.93 08/01/2014 9 $123.93 08/15/2014 10 $123.93 08/29/2014 11 $123.93 09/12/2014 12 $123.93 09/26/2014 13 $123.93 10/10/2014 14 $123.93 10/24/2014 15 $123.93 11/07/2014 16 $123.93 11/21/2014 17 $123.93 12/05/2014 18 $123.93 12/19/2014 19 $123.29 01/02/2015 Our records reflect Ms. ******* successfully paid contractual payment numbers one (1) through eight (8). However, on August 12, 2014, Ms. ******* submitted documentation indicating that she was working with a credit counseling company, *** ********* Inc. As such, CashNetUSA ceased collection activity. On August 29, 2014, CashNetUSA and *** ********* Inc. agreed to settle the account balance for $887.97. As such, CashNetUSA updated Ms. *******'s account accordingly. After a careful review of Ms. *******'s payment history, our records reflect that we received a total of $568.00 in payments through Big Solutions Inc. These payments are broken down as follows: $130.13 - 08/29/2014 $141.00 - 09/30/2014 $4.87 - 10/10/2014 $141.00 - 10/31/2014 $151.00 02/10/2015 On May 14, 2015, CashNetUSA received notification from *** ********* Inc. that Ms. ******* was no longer working with the company. As such, collection activity resumed. Therefore, $319.97 is the remaining balance from the agreed upon settlement. Due to an inadvertent error, Ms. ******* was advised that her delinquent account balance was $1,221.00. We apologize for the confusion this matter may have caused Ms. *******. CashNetUSA strives to provide the ultimate customer experience. As such, we ask Ms. ******* to please contact our compliance department at XXX-XXX-XXXX ext. **** to assist her with the remaining outstanding balance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 7, 2015/07/31) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciate the response and the admission of the error. I agree to remit $319.97 as the agreed final balance.

7/17/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a loan thru Cashnetusa.com on Jume 26, 2015 and they said I was approved and the money would be deposited on June 29, 2015. They also said I had 48hrs to cancel the loan after the money was deposited in my bank account. I decided I didn't need the loan and sent them an email stating just that. It said they would get back to me within 24 hrs. They didn't so I sent another email saying the same thing. I have tried twice now within the 48 hrs to cancel the loan and haven't heard anything from them. Not a happy camper here. Company won't answer emails when I send them about cancelling my loan within the 48 hr timeline. I've sent 2 emails asking to cancel and still nothing

Desired Settlement: I want them to take the money back out of my account for the loan amount. I don't need the loan and am not going to start paying on it when I have tried twice to cancel it.

Business Response: Initial Business Response /* (1000, 5, 2015/07/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. On June 29, 2015, Mr. **** was funded a $800.00 Installment loan with CashNetUSA. Subsequently, Mr. **** requested to rescind his loan. On June 30, 2015, CashNetUSA honored his request to rescind his loan via email; as such Mr. **** authorized a debit for the principal payment. On July 3, 2015, the principal amount of $500.00 was successfully collected from Mr. ****'s account. At this time Mr. **** does not have a balance with CashNetUSA. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

7/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I used my ******* ******* account account number XXXXXXXXXXXX Routing number XXXXXXXXX to get a loan. They sent me an email sailing I was approved for $1000 to $10000 and I accepted $4000 . They told me to sent a money order to ****** ******** in *******. The number they used was a magic jack number XXXXXXXXXX. I sent $210 I just want my. Money back and I wanted to pay my rent but I can't now because of them.

Desired Settlement: 210

Business Response: Initial Business Response /* (1000, 5, 2015/07/07) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This is fraud and CashNetUSA is not responsible for or participating in the complained conduct. The phone number listed in the complaint, XXX-XXX-XXXX does not belong to, nor is it used by CashNetUSA. CashNetUSA does not employ an individual known as "****** *********** On June 2, 2015, or records indicate that Ms. ****** applied for a loan with CashNetUSA. However, we were unable to provide Ms. ****** with financial services; Ms. ****** was advised of this by our Application Support Department. An email advising Ms. ****** on the reasons for her denial was sent to the email on file on June 7, 2015. Ms. ****** contacted CashNetUSA on July 2, 2015 to determine if her eligibility to apply for a loan had changed. After review of the information on file Ms. ****** was advised that she continued to be ineligible for financial services with CashNetUSA. An email advising Ms. ****** on the reasons for her denial was sent to the email on file on July 5, 2015. On July 3, 2015, Ms. ****** contacted CashNetUSA and advised us of her experience with fake lenders. Ms. ****** was advised that she was ineligible for financial services and educated on fake lenders. Email follow up regarding this contact, including important information and tips regarding fraudulent lenders, was sent to the email address on file. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. CashNetUSA did not receive $210.00 from Ms. ****** and therefore cannot honor her refund request. We apologize for the confusion and inconvenience this matter may have caused Ms. ******. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 7, 2015/07/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) Just for future references

7/6/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: One June 11th, I filled out an application to receive a loan with CashNetUSA. I received an email with instructions to call and complete the loan information. The gentleman I spoke to said I would need to send an insurance deposit and then I would receive the loan amount in my bank account the next day. I told him I would have to borrow the money and then call them back. After I was able to borrow the money, I called them back and was told to send the money to them via ******* ***** or ********** I used ********* and sent them the money. After following their instructions, I was told they gave me the wrong name. So I had to get a refund from the ********* and resend it to another person. They called me back telling me there was an issue with the transaction and would have to resend it a third time. I argued with them, telling them that I wanted the money I was promised. They didn't listen so I just decided that I was going to get a refund and forget about the loan. However, the money I sent them had already been picked up. Now when I try calling them, no one picks up the phone and it's obvious this was a scam. I have two different phone numbers I was using to contact them and neither of them respond to my calls now.

Desired Settlement: I would like to be able to just get the money back I sent to them and forget about the loan.

Business Response: Initial Business Response /* (1000, 7, 2015/06/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This is fraud and CashNetUSA is not responsible for or participating in the complained conduct. Our records do not indicate Mr. ***** is nor was a customer of CashNetUSA. Please be advised that CashNetUSA does not provide financial services for residents of the state of New York. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

6/29/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On June 3rd 2015 two unauthorized debit transactions we're applied to my debit card. One in the amount of 128.37 and the other in the amount of 78.93. I haven't spoken with a cashnet customer service rep in over 2 months. Once I was aware the funds were not available on my card I immediately called my card company. They informed me cashnetusa took the money off my card and advised me to receive a new card and contact cashnetusa to see if they could cancel the transaction. I then called the cashnetusa collection line and spoke with Ms ********** She informed me that I spoke with a representative by the name of Mr ******** on that day and I authorized both payments to come off my card which was a lie. In fact I didn't even reload my phone plan so I was unable to contact anyone on that day until I did. I went to take money out of an atm and found that I didn't have enough funds available. As soon as I loaded my phone plan I contacted my card service and then cashnetusa afterward. Anyhow Ms ********* proclaimed that I authorized the payment on June 3rd 2015 by speaking with a customer service rep by the name of Mr ******** which was a lie. I informed cashnetusa a couple months ago that I could not make the payments at this time and was informed the collection calls would continue. I also informed them that a payment I scheduled would not be able to go through and to cancel that payment until I set up another one. They noted that and informed me the collection calls would continue though. I haven't authorized or set up a payment with cashnet usa since March. The last paynment made was March 8th 2015 in the amount of 50 dollars. I did set up a payment after that but then canceled it as explained above and informed them to not attempt to take money off my card until I set up another date. June 3rd they decided to take 128.37 off my card without authorization and another amount of 73.98 as well. I'm not understanding how a company could proclaim I authorized these payments on that day when I haven't spoken to anyone in that company for over 2 months. I am now awaiting a call from the manager who's name is ms ******** They claim she is going to go over some phone call they proclaimed I had with a representative on the day of June 3rd 2015. I was told I would be contacted hopefully by the end of today but no guarantees we're made. So I decided to see if someone else has experienced this same problem and came to this website. So I decided to file a complaint just in case the issue isn't handled properly. I just want my funds returned to my card and I will happily work towards settling my account with cashnetusa. But I will not accept unauthorized payments from my debit card as a way to take care of my debts.

Desired Settlement: I just want the amount that was taken off my debit card without my authorization which is a total of 202.35 put back on the card. Then I will happily attempt to take care of the balance owed to cashnetusa

Business Response: Initial Business Response /* (1000, 5, 2015/06/17) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On February 24, 2015, CashNetUSA brokered a $700.00 CSO loan for Mr. *****. He chose to extend his loan one time. When extending the loan, the customer will pay the portion of the principal disbursed and the Credit Services fee and lender interest on the original due date. The customer will pay the lender the remaining loan principal, any additional interest and an additional Credit Services Fee on the new due date. On March 6, 2015, $163.37 was due for his extension. Unfortunately, Mr. ***** did not make this payment. As a result, a $15.00 Late fee was assessed to Mr. *****'s account balance. On March 9, 2015, Mr. ***** paid $50.00 via his debit/credit card. On March 20, 2015, the full balance of $883.39 was due. Unfortunately, Mr. ***** did not make this payment. As a result, a $15.00 Late fee was assessed to Mr. *****'s account balance. On March 27, 2015, Mr. ***** contacted our collections department via telephone and requested to schedule a payment arrangement for his delinquent account balance of $1,011.76. Mr. ***** scheduled and agreed to the following payment arrangement to be paid via his debit/credit card: Payment (1) Method: Debit/Credit Card Date: 2015-04-08 Amount: $202.36 Payment (2) Method: Debit/Credit Card Date: 2015-04-22 Amount: $202.35 Payment (3) Method: Debit/Credit Card Date: 2015-05-06 Amount: $202.35 Payment (4) Method: Debit/Credit Card Date: 2015-05-20 Amount: $202.35 Payment (5) Method: Debit/Credit Card Date: 2015-06-03 Amount: $202.35 On March 28, 2015 and April 1, 2015, CashNetUSA sent Mr. ***** a confirmation email detailing the payment arrangement. On April 7, 2015, Mr. ***** contacted CashNetUSA and advised that the funds for payment number one (1) will not be available. Per Mr. *****'s request, CashNetUSA cancelled payment number one (1) and advised Mr. ***** that the remaining payments in the payment arrangement are still due. As such, CashNetUSA attempted to collect according to the agreed upon payment arrangement, unfortunately, Mr. ***** did not pay payment numbers two (2) through four (4). On June 3, 2015, $202.35 was due for payment number five (5) in accordance with the previously agreed upon payment arrangement. Mr. ***** made this payment. Subsequently, Mr. ***** contacted our customer service department advising that he did not agree to the payment arrangement that was scheduled on March 27, 2015. As such, CashNetUSA advised Mr. ***** that we will conduct an investigation and review the call to verify said actions. In addition, we advised that we will contact Mr. ***** and advise him of our findings. On June 4, 2015, CashNetUSA investigated and reviewed the telephone conversation and upon our investigation we have concluded that Mr. ***** did agree to payment arrangement. As such, CashNetUSA contacted Mr. ***** and advised him of our findings. Unfortunately, Mr. ***** did not agree with our findings. We pride ourselves on looking after our customers by attempting to resolve any issues in a straightforward, efficient and amicable manner. In attempt to further address Mr. *****'s concerns, our compliance department has attempted to contact Mr. ***** regarding his concerns, and unfortunately we were unable to reach Mr. *****. If Mr. ***** has any additional questions we ask that he please contact our compliance department at XXX-XXX-XXXX ext. ***** In addition, CashNetUSA would be more than willing to schedule a new payment arrangement. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/29/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My account is closed and paid in full. I asked them to remove my bank account information from the website. They refuse, citing federal and state guidelines that personal information must be retained. I asked them to produce specific federal and state guidelines but they are unable to do so. I told them removing my information from the website does not prevent them from retaining my information internally. They refuse to comply. My bank account information does not need to remain on the website.

Desired Settlement: Remove my bank account information and potentially my personal information. Records can be kept internally.

Business Response: Initial Business Response /* (1000, 5, 2015/06/17) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On June 16, 2014, Mr. ********* opened a $1,300.00 line of credit with CashNetUSA. On June 15, 2015, Mr. ********* contacted our Customer Service department and requested to delete his personal information from our database. CashNetUSA will not be able to honor Mr. ********* request to delete his personal details from our internal database as state and federal laws require CashNetUSA to retain a record of customer information submitted to us as part of an application for set periods of time. However, we can assure Mr. ********* that CashNetUSA takes seriously its responsibility to protect customer information. Please know that we did deactivate Mr. *********'s CashNetUSA account to preclude future activity on the account and that he will not receive further correspondence from CashNetUSA and will no longer be able to log into his customer profile. Mr. ********* may refer to CashNetUSA's Privacy Policy for more details regarding the collection and use of customer data by following the link below: http://www.cashnetusa.com/privacy_policy.html CashNetUSA values the privacy of all our customers and we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer information. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My identity was stolen when someone who knew my name, birthday, and social security number applied for an online loan (all information that is available to anyone who takes a job application) EVEN THOUGH the other information was incorrect (my occupation was listed as a NURSEa certification I do NOT have and have never even attempted to getand my bank account was listed as ***** ***** when I have been with ***** my entire life. I was told they are an "online lender" and don't do "traditional credit checks," but that they "verified my information"... AKA they checked to make sure name matched Social Security number. Now they will not even look into the fraud until I go to the police department and file a claim of identity theft and fax (yes, FAXas if it is 1997) the information to them. This company is an absolute BREEDING ground for conmen and identity thieves, not bothering to verify anything beyond basic information widely available to many people, and giving people loans based on an online profile they fill out without ever speaking to them. CashNetUSA needs to recognize the fault in their lending practices by letting everyone know how poor their security iswe are ALL at risk as long as companies like this exist.

Desired Settlement: I want the company to acknowledge that my identity has been stolen, withdraw their intent to collect, and change their future practices to truly verify that someone is who they say they are before lending them money.

Business Response: Initial Business Response /* (1000, 8, 2015/05/27) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. According to our records, on December 14, 2014, CashNetUSA received a loan application using Ms. ******'s information and a loan was brokered. The loan in question is a $650.00 CAB loan that was funded on December 14, 2014. However, after being in a delinquency status for over 90 days, on March 27, 2015, CashNetUSA sold the account to a third party debt buyer, ******** ****** ********* ****** The direct contact number to *** is XXX-XXX-XXXX. On May 19, 2015, Ms. ****** contacted us and asserted that she was the victim of identity theft. As such, CashNetUSA advised Ms. ****** to please submit a police report to our fraud department to investigate her claim. Please note, as an alternative, Ms. ****** may also submit an identity theft affidavit. CashNetUSA would be more than happy to address her concerns; however a police report or fraud affidavit is needed to investigate. We ask that Ms. ****** please contact our fraud department and provide a copy of a police report or fraud affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The company has violated all laws regarding trying to collect this alleged debt. I have asked validation of this debt, but Cashnet has failed to do so. I have sent a cease and desist letter, but still receive robotic calls detailing reason of the call and identify as a debt collector, thus violating the FTC laws. Company has not offered a repayment plan without interest and fees as allowed in the state of Illinois after 30 days pas due. The company has not closed this account per my request. Has not frozen the fees as allowed by law. Company is till contacting via phone after receiving letter of cease and desist, thus seeking damages in the amount of $ 1000 per violation.

Desired Settlement: Stop contacting me via phone, stop adding fees and interest, and allow a reasonable time and plan for the alleged debt owed. Provide validation of debt, and stop any collections activities during this time. These are strictly laws under the fair debt collection practice.The company has to adhere to these rules and regulations. Any further violations will lead to further legal action.

Business Response: Initial Business Response /* (1000, 5, 2015/01/23) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, Mr. *********** questions CashNetUSA's procedures regarding loans in Illinois. CashNetUSA does not provide payday loans in the state of Illinois. CashNetUSA provides consumers with Installment-payday loans. At all relevant times, our lending practices have complied with the applicable Illinois and Federal laws. On August 11, 2014, CashNetUSA funded Mr. *********** a $1,450.00 Installment-Payday loan. Mr. *********** signed his agreement stating he understood and agreed to the terms and conditions associated with the installment loan. Mr. *********** agreed to the following payment schedule: Payment No. Amount of Payments When Payments Are Due 1 $282.68 09/05/2014 2 $282.68 09/19/2014 3 $282.68 10/03/2014 4 $282.68 10/17/2014 5 $282.68 10/31/2014 6 $282.68 11/14/2014 7 $282.68 11/28/2014 8 $282.68 12/12/2014 9 $282.68 12/26/2014 10 $282.68 01/09/2015 11 $282.63 01/23/2015 Mr. *********** has made two payments towards his balance. On October 27, 2014, as per Mr. ***********'s request, CashNetUSA revoked the authorization in place for automatic repayment by remotely created checks. No further payment has been submitted towards the balance due. Mr. *********** asserts that we are required to offer an interest/ fee free payment plan when an account is 30 days past due. Please be advised that that refers to payday loans. Mr. *********** was funded an Installment-Payday Loan so that does not apply. This information is available at CashNetUSA's website. Our Collections Department is able to offer a payment plan for the past due balance on the account and allow the remaining installments due to process as scheduled. Mr. *********** also states that CashNetUSA has not honored his written request to cease and desist communications or validate his debt. We apologize however CashNetUSA has no record of receiving this request. We have not received written notification, nor has our call center been contacted to request a cease and desist. However, it appears that Mr. *********** is requesting to cease communications. As such, effective January, 13, 2015, the date this complaint was forwarded to CashNetUSA, CashNetUSA has ceased telephone communications. A copy of Mr. ***********'s contract has also been sent to the address listed on the complaint as a validation of debt. It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collections guidelines set forth by the Fair Debt Collection Practices Act (FDCPA). Contrary to Mr. *********** assertions, our Collections messages do not violate the FDCPA. Our messages do not indicate that the call is an attempt to collect on a debt, nor do we identify our company as a debt collector on voicemail messages. At this time, Mr. ***********'s account balance is $2,544.07. However, Mr. *********** asserts in his complaint that he is currently having financial difficulties. CashNetUSA values Mr. *********** as a customer and strives to provide the ultimate customer experience. CashNetUSA is more than willing to work with Mr. *********** therefore; we ask that he please contact our Compliance Department at XXX-XXX-XXXX ext. XXXXX so that we may possibly find a payment schedule that may be more accommodating. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2015/01/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) Cashnet...was notified several times about the calls from an automated system. The person making the calls, has an alleged name of *******, and it does indicate the reason of the call and the urgency to contact the company prior to 11pm each day. The calls have been recorded and will be dealt with. The calls also came after I sent several communications notes to the customer service and to the collection department. I have retained copies of the e-mails. I also communicated via chat system and requested customer service to cease and desist the calls to either work and home, the copies of this communication was kept as proof , therefore not only have they violated the FTC laws, but also did no submit a validation of debt in a timely fashion, until I filed a complaint with the BBB. In addition they indicate that they do not offer paydaloans in the state of illinois, but yet on their website it does indicate that they offer such items. In addition to the above, the State of Illinois also limits the amount of loans that you can have, I was given false information, as that that time, I had another loan with advance cash...and thus was not eligible to receive the alleged loan, but was offered a deal of sort, in case I was not able to meet the obligations. In addition, I had spoken with a rep, regarding the matter and stated to have the account frozen so that no additional fees or interest will accrue. I was promised that, and again retained a copy of that communication. E-mails. But to this date, the calls continue, and also the account has not been closed as I had initially requested. I also attempted to offer a payment plan for the alleged debt, but was told that it was not adequate. And the calls from ******* ket coming, before 8am in the morning, and sometimes in the afternoon, thus violating the already mentioned FTC laws. All the calls have been recorded to their times. The company is in clear violations of the Fair debt collection practices and now is charging over 1100 dollars above the initial alleged debt. When the finance charges average about 35 dollars per payperiod. Now they call this installment payday loans, Call it whatever you want to call, in all pratical purposes it is a payday loan, as the finance charges are treated as such. They failed to check the system to ensure I did not have another loans outstanding in the state of Illlinois, thus assumed all risks and liabilities.Cash net does not explain how they have arrived to the amount allegedly owned. I had asked this several times,but was denied. Now they claim they abide to the laws. The company has engaged into predatory practice as they were the one who solicited the alleged loan and offered a compromising payment plan, but without closing the account, or explaining the charges and outrages fees. Final Business Response /* (4000, 9, 2015/02/06) */ Thank you for forwarding the customers correspondence to our attention. After further review of Mr. ***********'s concerns, we understand there may have been some miscommunication in regards to his requests. As such, we would more than willing to work with him directly to address his concerns. We ask that he please contact our Compliance Department at XXX-XXX-XXXX ext.**** so that we can provide his requested resolution. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Final Consumer Response /* (4200, 11, 2015/02/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) In the initial response from Cash net, it was stated that they never had received any written communication from me in regard to the alleged debt. In the meantime they had let the debt be assessed fees and other fees, when it was requested to be closed. Also in the previous communication from Cash net, it was stated that they were going to send full validation of debt. I am yet to receive this information. It was also requested that all communications be done via writing. The company still has pursued communication via phone. until all documents pertaining to the above alleged debt is received and reviewed by myself, and /or legal counsel, no further communication will occur. The company has clearly violated the FTC regulations and not complied with the validation of debt rules and regulations. The alleged debt has been allowed to accrue fees without any explanation or documentation as to how these fees wee assessed and calculated. They also have rejected any form of compromise, but insist on communicating via phone.

6/2/2015 Delivery Issues
5/25/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I SET IT UP TO PAY THE BALANCE OFF AT THE BEGGINNING OF THE MONTH THEY SCREWED THAT UP SO I PAID IT UP WITH MY DEBIT CARD NOW THEY ARE TRYING TO DOUBLE CHARGE ME IT IS AFFECTING MY DIABETES I AM SO STRESSED MY SUGAR LEVELS ARE HIGH CASHNETUSA IS A FRAUD AND THEY NEED TO BE STOPPED

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: Other (requires explanation)DesiredSettlementID: Other (requires explanation)I WANT THEM TO LEAVE ME ALONE AND STOP OVER CHARGING ME EVERDAY THEY CONTACT ME WITH A DIFFERENT BALANCE

Business Response: Initial Business Response /* (1000, 8, 2015/05/13) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. On January 9, 2015, Mr. ***** was funded a $600.00 installment loan with CashNetUSA. Mr. ***** electronically signed his Installment loan agreement stating he understood and agreed to the terms and regulations associated with the Installment loan. The fees and interest applicable to her loan were fully set forth in the loan agreement. On May 13, 2015, Mr. ***** spoke with our compliance department and addressed his concerns. In addition, Mr. ***** has agreed to a new payment arrangement that will allow him to pay off his outstanding balance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

5/25/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: There has been no reply regarding such paper work statements or account information. Cashnet USA has contacted me for over 10yrs. There allegations are I supposedly took out a loan off there internet web site. Where is the paper work to prove such claim? I told a representative when Cashnet USA called my parents today to stop harassing them with phone calls.

Desired Settlement: Delete Cashnet USA account information collection claim off all three credit reports agency's plus destroy all records pertaining to this alleged account. Send a apology letter via mail and email to me. Plus I have filed a police report in my county jurisdiction. Regarding Identity Thief.

Business Response: Initial Business Response /* (1000, 5, 2015/05/13) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. First and foremost please be advised that CashNetUSA does not provide financial services to residents of the state of *******. After carefully reviewing this complaint, we were able to locate several customers with the name of ******* *****. However, we were unable to locate a customer whose information matches the information submitted in the complaint. To confirm, whether there is a profile associated with Mr. *****, CashNetUSA will need additional information to verify the account, such as the phone number being contacted. We request that Mr. ***** contact our compliance department at XXX-XXX-XXXX ext. **** to further investigate his concerns. Based on the details of the complaint however, it is possible that Mr. ***** has been contacted by fraudsters falsely posing as a collection agency or law firm in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. CashNetUSA is not associated with these individuals. Therefore, unfortunately, CashNetUSA cannot prevent them from contacting Mr. *****. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

5/18/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On March 16, 2015 I contacted CashNetUSA.com to confirm a pay off amount as of the date that the bill would be paid off. An amount of 1,200.00 was confirmed for withdrawal from my bank account. CashNetUSA.com withdrew the pay off amount plus two additional payment (170.00 and 174.00) on the same day at the same time as the agreed payoff amount. I contacted CashNetUSA.com and they indicated that they had no withdrawal records of the additional amounts. They asked for bank documentation of the withdrawal. I printed the information from my online bank statement and faxed the statement confirming the withdrawal. CashNetUSA.com then said that the information was not valid and they needed the confirmation of withdrawal to come directly from the bank, while still saying that they had no documentation of the additional withdrawals. I went to my bank and obtained the documentation confirming the additional withdrawals, faxed the document, scanned and emailed the documentation. Once received, CashNetUSA.com replied that they withdrew the additional amounts because of previous arrangements made in attempt to bring the account current. This company withdrew additional amounts from my bank account in an attempt to put me in a position to borrow more funds from them. They are typically deal with individuals who are not in a position to complain about their practices. In good faith, I contacted CashNetUSA.com to confirm the payoff amount as of the date the payoff amount would be paid. That amount was confirmed and withdrawn from my bank account. The additional amount withdrawn, totalling over 300.00, was deducted due to their error or deliberately. Another concern is how many times have CashNetUSA.com done this to other unfortunate individuals. A while back I found myself in an unfortune circumstance and had lower my stands to deal with this company, but never again! This dishonest manner in which CashNetUSA.com does business is not what the American lending process should be about. Product_Or_Service: Payday Loan Order_Number: Customer #******** Account_Number: Customer #********

Desired Settlement: DesiredSettlementID: Refund A full refund of the two additional payments that CashNetUSA.com withdrew from my bank account, totalling 340.00. I confirmed and honored the payoff amount and the additional amount WAS NOT AUTHORIZED FOR DEDUCTION FROM MY BANK ACCOUNT.

Business Response: Initial Business Response /* (1000, 9, 2015/04/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On October 1, 2015, Ms. ***** was funded a $800.00 installment loan with CashNetUSA. Ms. ***** signed her Installment loan agreement stating that she agreed to the terms and conditions associated with the Installment loan. Contrary to Ms. *****'s assertion, on March 16, 2015, Ms. ***** contacted our customer service department and requested to pay the full balance on March 20, 2015. CashNetUSA advised Ms. ***** that her total account balance was $1,505.14. As such, CashNetUSA debited according to what Ms. ***** scheduled. A confirmation email was sent to Ms. ***** detailing the arrangement that she has scheduled. Therefore, on March 20, 2015, CashNetUSA debited Ms. *****'s account according to the payment plan that she scheduled. On March 20, 2015, Ms. ***** contacted our customer service department stating CashNetUSA has attempted to debit her account additional times; therefore we asked that she please submit a bank statement to support her assertion. On March 23, 2015, CashNetUSA received a copy of Ms. *****'s bank statement. CashNetUSA reviewed Ms. *****'s bank statement and account and have concluded that we did not attempt to debit Ms. *****'s account any more than what was agreed upon on March 16, 2015. At this time, Ms. ***** does not have an account balance with CashNetUSA. CashNetUSA strives to provide the ultimate customer experience and would be more than willing to address any concerns she may have. We ask that she please contact our compliance department at XXX-XXX-XXXX ext. ***** We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 11, 2015/04/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) CsshUSA could not find any records of an additional 340.00 deduction and I had to provide a bank statement to prove the dedution. They continued to stick to that story time after time - until i produced a bank statement to confirm the deduction. The payment plan was included in the payoff amount, which I confirmed prior to payoff. CashUSA does not "strive" to do anything other than "strive" to keep people indebted to them at the lowest point in their life. I called to confirm the amount and we went over everything because the phone call prior to payoff was about 2o minutes, during which I was put on hold several times. That is not "strive" to deliver customer service. I would like the addition funds redeposited into my account. It is inconceivable that any business would not have a record of what they deducted form a clients account. There is something wrong with this picture. An agreement is an agreement and a confirmation is a confirmation. This is CashUSA's way of cheating citizens and oppressing them through poor record keeping, in hopes that they will borrow more money when they find that 340.00 dollars is deducted from their account. I will push to throgh our political representatives to bring attentiotion to this matter as i do not want anyone else to go through this with CashUSA. Copies of this complaint will be sent to Washington, DC and I will continue until CashUSA comply with the rules of ethics. Final Business Response /* (4000, 13, 2015/05/07) */ Thank you for forwarding the customers correspondence to our attention. As previously mentioned, CashNetUSA advised Ms. ***** that her total account balance was $1,505.14. On December 22, 2014, Ms. ***** agreed to the following payment arrangement. Payment (1) Method: Debit/Credit Card Date: 2014-12-31 Amount: $85.00 Payment (2) Method: Debit/Credit Card Date: 2014-12-31 Amount: $87.00 Payment (3) Method: Debit/Credit Card Date: 2015-01-30 Amount: $87.00 Payment (4) Method: Debit/Credit Card Date: 2015-02-27 Amount: $87.00 Payment (5) Method: Debit/Credit Card Date: 2015-04-01 Amount: $87.00 Payment (6) Method: Debit/Credit Card Date: 2015-05-01 Amount: $87.80 Ms. ****** paid payment numbers one (1) through four (4). On February 11, 2015, Ms. ***** scheduled the following payment arrangement. Payment (1) Method: Bank Account Date: 2015-02-17 Amount: $169.00 Payment (2) Method: Bank Account Date: 2015-02-27 Amount: $169.00 Payment (3) Method: Bank Account Date: 2015-03-31 Amount: $170.40 Ms. ***** paid payment number two (2). On March, 16, 2015, Ms. ***** contacted our customer service department and requested to pay the full balance, which included the defaulted payment arrangements. Therefore, Ms. *****'s total account balance was $1,505.14. As such, CashNetUSA debited according to what Ms. ***** scheduled. A confirmation email was sent to Ms. ***** detailing all of the payment arrangements that she has scheduled. CashNetUSA's compliance department has attempted to contact Ms. ***** numerous times in regards to her concerns however she has not contacted us back. CashNetUSA would be more than willing to address her concerns; therefore, we ask that she please contact our compliance department at XXX-XXX-XXXX ext. ***** We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

5/4/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: This creditor has persistently called all day and has now started calling my job and residence. I did not provide these numbers. Nor did I provide and family numbers. I've asked them not to contact me other than through the mail. They have also left threatening phone voicemail messages.

Desired Settlement: Cease all phone calls to my home, job, friends, cell phone.

Business Response: Initial Business Response /* (1000, 5, 2015/04/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On February 5, 2015, Ms. ****** opened a $1,050.00 Line of Credit with CashNetUSA. Ms. ****** signed her agreement stating that she agreed to the terms and conditions associated with the Line of Credit. Ms. ****** has requested several advances. Ms. ****** has been successfully making minimum payments on her account and maintaining her account in good standing, until the payment due on April 16, 2015. On April 16, 2015, CashNetUSA submitted the minimum payment due of $210.25 to the bank account on file. However the payment returned unpaid by her banking institution due to the bank account being closed. Due to her account being past due, Collections activity began on her account beginning on April 20, 2015. It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA). In addition, CashNetUSA has attempted to reach Ms. ****** only on the phone numbers provided to CashNetUSA by Ms. ******. On April 20, 2015 CashNetUSA attempted to reach Ms. ****** at the phone number submitted as the home phone number and left a voicemail message. Another attempt to contact Ms. ******, via the work number provided by Ms. ******, was made as per FDCPA guidelines on April 20, 2015. However CashNetUSA was advised that the phone number was the wrong number. CashNetUSA has appropriately updated Ms. ******'s account and no further attempts to reach Ms. ****** has been made using the number listed as her work number. CashNetUSA attempted to contact Ms. ****** via the home phone number on file on April 21, 2015, April 22, 2015 and April 23, 2015. Each day only one call was made and a voicemail message left. Please be advised that since Ms. ******'s account has become past due, CashNetUSA has not spoken with Ms. ******. Our records indicate that the last communication with Ms. ****** occurred on April 2, 2015, when Ms. ****** contacted CashNetUSA to determine if she could request a Line of Credit increase. Ms. ****** was appropriately advised that increases are performed manually and cannot be initiated by the customer. Contrary to Ms. ******'s assertions, after review of the call, there was no request to cease communications. Our records do not indicate that Ms. ****** requested that we cease telephone communication. However, it appears that Ms. ****** is requesting to cease telephone communications. As such, effective immediately CashNetUSA has ceased telephone communications. As of April 23, 2015, Ms. ******'s account is past due$210.25, with an account balance of $1,275.88. As Ms. ****** has a Line of Credit, please be advised that interest is applied daily to the outstanding balance, therefore the balance due will increase. We ask that Ms. ****** contact our Collections Department directly at XXX-XXX-XXXX to setup payment arrangements and to update the method of repayment to get her account back on track. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

5/1/2015 Problems with Product/Service | Read Complaint Details
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Complaint: In this age if identity theft, I feel that this type of correspondence isn't good business pr practice. I deserve a response as to whether someone has attempted to get a loan using my information. This email made it seem as though I had applied and was approved. I sent 2 emails asking for clarification. No response is unacceptable.

Desired Settlement: Just want to know if this is a sales tactic or not. I'm asking them to discontinue this practice.

Business Response: Initial Business Response /* (1000, 5, 2015/04/20) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ***** is an active customer with CashNetUSA. On October 2, 2013, CashNetUSA funded Ms. ***** a payday loan in the amount if $255.00. The loan was successfully paid in full on October 16, 2013 as per the contract. This was the second and final loan issued to Ms. ****** Our records indicate that the last email sent to Ms. ***** by CashNetUSA regarding her account was sent on May 19, 2014. CashNetUSA has no record of receiving an incoming email from the email address on file for Ms. ****** However, to best assist Ms. ***** CashNetUSA has updated Ms. ******'s contact preferences to prevent marketing emails and calls regarding our products. On April 20, 2015, our Compliance Department reached out to Ms. ***** regarding her compliant. Ms. ***** to assist us with our investigation forwarded the email communication in question. After review of the email received by Ms. ****** we were able to confirm that the she was contacted by a fraudulent lender. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from contacting the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

4/3/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I was approved for a loan from cashnetusa I was told by jack a loan officer that all I would have to do to recieve my loan money was go to ******* pay a money transfer fee of 169.95 on 03/18/2015.i paid it then jack goes on to say over the phone I now need to pay 150.00 more dollars to activate a reference number so my funds can be released for my loan I paid it on 03/19/2015 he recives the money for the reference number he leaves me on hold for 30 to 45 min then comes back to the phone and tells me he couldn't activate the reference number I just paid for I ask why he says his system won't let him activate the reference number. So i say well I just paid a total of 323.91 and received no loan money. He then goes on to say now you have to pay 300.00 dollars to activate 2 reference numbers at the same time so I get 300.00 more dollars and pay for the 2 reference numbers on 03/20/2015. He says he recieved the money now he tells me to hold on so I can get the reference code so I can recieve my loan money he has me on hold for 45 min then he comes back to the phone and says my credit score is to low to recieve the loan. At this point I'm very angry and I say this is a scam he then goes on to say it's nt my fault you have a low credit score and then I go on to say I'm suing you and then his response to that was you won't recieve a refund then and hangs up the phone.

Desired Settlement: I just want the 623.91 that I paid out for the loan back.

Business Response: Initial Business Response /* (1000, 5, 2015/03/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that a profile was created for Mr. ***** via one of our marketing partners on March 7, 2015. However, we were unable to provide Mr. ***** with financial services. An email follow up, providing the reasons we were unable to provide financial services was sent to the email address on file on March 8, 2015. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. CashNetUSA did not receive $623.91 from Mr. ***** and therefore cannot honor his refund request. We apologize for the confusion and inconvenience this matter may have caused Mr. *****. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

3/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: On yesterday March 16th, 2015 i signed up for a loan offer online a few days later I received an email for a women claiming to be associated with the company i applied with giving me a number to call her to get the final steps approved for my application. After that got all my information the ran a "credit check" and said that because of my low credit that i would be able to get a loan after i paid an insurance fee of 150 dollars.Which was done at the ******* on folly road in charleston sc XXXXX. After that was paid they said their was an outstanding debt on my credit report that needed to be paid before the funds could be released. the amount of that debt was 291 dollars and that i would have to pay it to them and they would pay the credit bureau and realize my funds. After that they told me they couldn't realize my funds because there was a hold on my credit and nothing could be transferred but that they would do another transaction through ************* and it would be 493 and they would wire me the 3500. i did not send the last amount and hung up the phone and started calling every agency i could to try and head this off. The operator said her name was ********* which is a bogus. They sent me to another person an another until i got fed up and hung up the phone.

Desired Settlement: i just want the 440 dolllars i gave them in total plus the operators that i spoke with fired because this is ridiculous.

Business Response: Initial Business Response /* (1000, 5, 2015/03/17) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Mr. **** has applied for financial services via marketing partners several times. However, we were unable to provide Mr. **** with financial services. An email follow up, stating that CashNetUSA was unable to provide financial services, was sent to the email address on file on November 9, 2014 and December 3, 2014. In addition, CashNetUSA does not provide loans in the amount referenced in the complaint in the state of ***** ********* CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Please be advised that CashNetUSA does not employ an individual by the name of "*** *****". CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. CashNetUSA did not receive $440.00 from Mr. **** and therefore cannot honor his refund request. We apologize for the confusion and inconvenience this matter may have caused Mr. ****. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

3/2/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I applied online on Feb 6,2015,received phone call saying I was approved Feb 12,2015.Paid $100 fee thru ********* to *******.Was told they couln't deposit the money into my bank account because of a computer glitch and to come down to ********* give them another fee of $125 to send me the money via ********* and there was a state tax of $105 which had to be paid first.I paid that for a total of $340 and by Feb 17 they told me that someone on my end had tried to access the money online and they had to cancel the transaction and if I still wanted the loan I had to pay ANOTHER fee of $100 to get the loan and all the fees from when the transactions didn't go thru.I said no more giving me the runaround,give me back the fees and taxes I already paid and thats not even including the bank card charges of $4.95 I paid each time I sent them money.At first they said I would have to pay a cancellation fee of $240 and when I said I would report them for fraud they said they would send me a full refund of $340 from their legal dept within 45 days.I think this is a scam and I don't believe I'll ever receive a check from them.

Desired Settlement: I expect my $340 in fees and tax to be returned to me promptly.

Business Response: Initial Business Response /* (1000, 5, 2015/02/18) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Please be advised that Ms. **** is an active customer with CashNetUSA with an active payday loan. On February 9, 2015, CashNetUSA funded a $100.00 payday loan to Ms. ****. This is the third loan which has been funded to Ms. **** by CashNetUSA. On February 17, 2015, Ms. **** sent CashNetUSA an email stating that she had applied for a loan in the amount of $2,000.00. Please be advised that CashNetUSA does not offer loans in that amount in the state of California. On February 17, 2015 CashNetUSA replied via email advising Ms. **** that she had been contacted by fake lenders and on her loan history with CashNetUSA. She was also advised that CashNetUSA does not request any upfront fees in order to receive a loan. On February 17, 2015 an additional email regarding fake lenders and what steps to take as a victim of this fraud was sent to Ms. ****. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. CashNetUSA did not receive $340.00 from Ms. **** and therefore cannot honor her refund request. We apologize for the confusion and inconvenience this matter may have caused Ms. ****. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

2/25/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: A payment of $343.07 was due on 1/16/15, which included a fee of $82.50, interest of $128.20, and a principle amount of $132.37 of my remaining balance of $1217.64. I paid off my balance of $1217.64 on 1/15/15 at 5:00 a.m. EST. When I went to check to make sure my account balance was $0.00 it had a pending payment of $343.07 still scheduled for 1/16/15; however, my payment of $1217.64 was applied to my account. I was told by ***** ****** via a customer service representative by the name of **** (wouldn't provide last name) on 1/15/15 @ 10:51 a.m. EST that I was still going to have to pay $343.07, which includes the interest and fees of my no longer outstanding balance of $1217.64. Although **** was very professional and polite and was trying to assist me with getting at least the fees waved, ***** ****** declined to provide any assistance whatsoever and still wants me to pay the total interest and fees on the balance that I've already paid off. The only thing that **** was able to do was extend my $343.07 payment until 2/3/15.

Desired Settlement: I want my entire amount of $343.07 refunded after they take it on 2/3/15. If possible, I would like to avoid them taking any money from me at all. I would also like ***** ****** to take a class in customer service, especially when dealing with clients with good standing accounts. Once this matter has been handled I want my account closed.

Business Response: Initial Business Response /* (1000, 5, 2015/01/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ****** opened a $1,400.00 Line of Credit with CashNetUSA on August 20, 2014. When signing the Line of Credit agreement the customer confirms that they understand and agree to the terms and conditions associated with the Line of Credit. The interest and fees associated with the line of credit were disclosed prior to the execution of the contract and are clear on the contract as well. On August 21, 2014, per the customer's request, we funded a $500.00 advance. Ms. ****** has requested several advances and has made scheduled payments and early pay-offs during the life of her Line of Credit. The interest and fees applicable to the line of credit were clearly set forth in the agreement. Pursuant to the agreement, CashNetUSA charges interest each day on the principal that is scheduled to be outstanding. Interest will begin to be charged on each cash advance on the day it is transferred to your bank. Interest stops accruing on principal amounts as they become due. We do not charge interest on fees or accrued interest. The daily periodic rate applied to her account is 0.81918%. The corresponding Annual Percentage Rate is 299.00%. As set forth in the Line of Credit Agreement, there is a transaction fee for every advance requested; the transaction fee is 15% of the total amount borrowed. On January 1, 2015 a billing statement became available. The statement advised Ms. ****** that on January 16, 2015 the minimum payment due would be $343.07. The statement also indicates that the total account balance was $1,783.70. During the application process Ms. ****** selected ACH as the default payment method therefore unless contacted two business days prior to January 16, 2015 the amount of $343.07 would be debited automatically. Payments are automatically scheduled by the our system no later than the business day prior to the due date to ensure that the debit will occur as scheduled. On January 2, 2015 Ms. ****** minimum scheduled payment due of $222.99 was successful. This allowed the remaining account balance to be $1,560.71. On January 15, 2015 Ms. ****** accessed CashNetUSA's website in order to pay the balance in full. Due to the payment of $343.07 already being scheduled to debit from the bank account on file on January 16, 2015, Ms. ****** was correctly advised that the remaining amount due on the account was $1,217.64 on our website. Ms. ****** scheduled the early pay off for $1,217.64. On January 15, 2015 Ms. ****** contacted CashNetUSA in regards to the scheduled payment of $343.07. Ms. ****** was correctly advised that the amount was due, however to assist Ms. ****** offered to adjust the due date to February 3, 2015 as a courtesy. The pending payment was cancelled and rescheduled for February 3, 2015. We apologize for any confusion however the current account balance of $343.07 is correct. We are sorry to that Ms. ****** is not satisfied with the services received from CashNetUSA. CashNetUSA values Ms. ****** as a customer. We ask that Ms. ****** contact our Compliance Department directly to discuss her account. Our Compliance Department can be reached at XXX-XXX-XXXX ext. ***** We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2015/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) The amount of $343.07 was reflected on the amount that was due at the time. I do not accept this response because I paid off the amount prior to the date the payment was scheduled. I want the fees and interest amount to be reduced to reflect the amount that I currently owe and not $1217.64, which was the amount that I paid off. I'm paying twice on interest and fees. This is unethical. I have been a good customer in good standing with Cashnetusa; therefore, I shouldn't be penalized for paying off my account. Telling me I have to pay the extra amount anyway is not a courtesy; it's an insult. Final Consumer Response /* (4200, 13, 2015/02/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) The number that they provided is incorrect they gave me X XXX XXX XXXX extension ****. You cannot reach anyone at that number its advertising rebate vouchers, ******* **** and they give you another number X XXX XXX XXXX and ******* advertising. Also, my line of credit was $1450, so how was my balance over $1700. They are making up numbers for the sake of BBB. I have been cheated and they are fabricating amounts. Final Business Response /* (4001, 22, 2015/02/25) */ Thank you for forwarding the customer's continued concern. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Please be advised that the phone number which was submitted was mistyped. We apologize for the error and any inconvenience that it may have caused. Our Compliance Department can be reached at XXX-XXX-XXXX ext. ****. Our records indicate that Ms. ****** opened a $1,400.00 Line of Credit with CashNetUSA on August 20, 2014. When signing the Line of Credit agreement the customer confirms that they understand and agree to the terms and conditions associated with the Line of Credit. The interest and fees associated with the line of credit were disclosed prior to the execution of the contract and are clear on the contract as well. Please be advised that any interest and fees which are assessed are not included in the credit limit. The credit limit indicates the amount of principal which can be funded to the customer while their account is in good standing. On January 1, 2015 a billing statement became available. The statement advised Ms. ****** that on January 16, 2015 the minimum payment due would be $343.07. The statement also indicates that the total account balance was $1,783.70. This balance includes all activity which occurred on the account from December 23, 2014 and January 1, 2015. The account balance, which showed on Ms. ******' January 1, 2015 billing statement, of $1,783.70 was comprised of $1,397.43 Principal, $176.25 Fees and $210.02 Interest. On January 2, 2015 Ms. ****** made a payment of $222.99. The payment was allotted as follows: $47.42 Principal, $93.75 Fees, and $81.82 Interest. This left a remaining balance due of $1,560.71. The Fees of $93.75 were due to an advance of $625.00 taken on December 8, 2014. Please be advised that the payment of $1,217.64 made on January 15, 2015, did not include any fees or interest, this payment counted towards Ms. ******' outstanding principal balance only. The minimum payment of $334.07 included transaction fees and interest which was assessed until the billing cycle closed on January 1, 2015. The amount of $334.07 is comprised of $82.50 Transaction Fees (a total amount of $550.00 was advanced between December 19, 2014 and January 1, 2015), $128.20 Interest and $132.37 Principal. We apologize for any confusion regarding the account balance. The total amount of charges assessed on the account is correct. Ms. ****** was not double charged for any fees or interest as the payment of $1,217.64 was applied strictly to the principal balance remaining. Please be advised that CashNetUSA did not assess any fees or interest to Ms. ******' Line of Credit account after January 1, 2015. We are sorry to that Ms. ****** is not satisfied with the services received from CashNetUSA. CashNetUSA values Ms. ****** as a customer. Our Compliance Department attempted to contact Ms. ****** via the phone number on file; however we were unable to reach Ms. ****** and left a message. We ask that Ms. ****** contact our Compliance Department directly to discuss her account. Our Compliance Department can be reached at XXX-XXX-XXXX ext. **** or she may dial directly at XXX-XXX-XXXX. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

2/25/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: paid off plenty of loans with this company.the statute of limitations is up on this debt however still showing on website!

Desired Settlement: get debt off of website since statute of limitations is up!

Business Response: Initial Business Response /* (1000, 5, 2015/01/26) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On July 9, 2007 CashNetUSA provided a loan in the amount of $450.00 to Mr. ************. Mr. ************ signed his agreement stating that he understood and agreed to the terms and conditions associated with the loan agreement. Mr. ************ chose to extend his loan due date once online at www.cashnetusa.com. When extending the loan due date, the customer will pay the loan fee on the original due date and pay the loan principal and new loan fee on the extended due date. The fees associated when extending the loan due date were clearly set forth in the extension disclosure prior to when she extended her loan and the payment due on the extended due date, along with the extended due date, were also clearly disclosed. Mr. ************'s loan was due to be paid in full on September 11, 2007. However, after being in a delinquency status for over 150 days, on March 7, 2008, CashNetUSA sold the account to a third party debt buyer, ***. The direct contact number to *** is XXX-XXX-XXXX. CashNetUSA has not attempted to contact Mr. ************ or collect on her account since we sold the account to *** on March 27, 2008. Because CashNetUSA does not own the account no updates have been made to the account in question. Any payments made will be made to that company and will not reflect on the account with CashNetUSA since we no longer have the debt. We apologize for any inconvenience caused however there is no statute of limitations preventing CashNetUSA from keeping accurate records of account activity. Our records indicate that, unfortunately due to Mr. ************'s past loan history, he is ineligible to apply for a new loan. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2015/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) They better just get over themeselves over one loan in which was paid off. I paid off $1,000 on a $450 loan if they do not take it off there, I will get an attorney to file suit against!! Final Consumer Response /* (4200, 11, 2015/02/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) This was your debt but they are no longer in business the third party. You should at least consider this because it was paid off twice the amount of the original loan off!! Final Business Response /* (4000, 15, 2015/02/24) */ Thank you for forwarding this customer's continued complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On July 9, 2007 CashNetUSA provided a loan in the amount of $450.00 to Mr. ************. Mr. ************ signed his agreement stating that he understood and agreed to the terms and conditions associated with the loan agreement. Mr. ************'s loan was due to be paid in full on September 11, 2007. However, after being in a delinquency status for over 150 days, on March 7, 2008, CashNetUSA sold the account to a third party debt buyer, ***. The direct contact number to *** is XXX-XXX-XXXX. We are sorry to hear that *** is no longer in business. We apologize for any inconvenience that this may cause, however CashNetUSA is unable to update the account on file. The information on file will remain as it was when the account was sold to the third party debt buyer, ***, due to non-payment. Ms. ************ has indicated that he has made payments to pay off the debt in question, however because CashNetUSA does not own the account any payments made regarding this debt will not reflect on the CashNetUSA account or website since we no longer have the debt. Unfortunately since the debt was not paid to CashNetUSA we are unable to update the account to reflect that the debt was paid. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

2/19/2015 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: I had recently applied for a loan. This was for an emergency the recently occurred with my expenses. I filled out an application online with all of my private and personal information. The next day I received hundreds of people calls from all over the country offering me a loan. Many of which did not sound trustworthy and it was very hard to understand them because almost all of them spoke with a heavy Indian accent. I declined all of the offers. The following day, Tuesday I absolutely needed the money. I received an email a few phone calls and a voicemail from CashNet USA stating I was approved for $5,000 and to call the number. I went through the process on the phone verifying my information. He then asked me that he would need 95.00 and to go to *** or ********* and buy a reload ****** card and to put $95 on it and to give him the ten digit number on the back of the card. I had no money with me which was why I needed a loan so I had to use my boyfriends debit card to transfer the $95 on to this card at ********** He then gave me a confirmation number he name and direct line if I should have any problems. Stating that the 5,000 dollars should be in my bank account within 5-10 minutes! Nothing changed with my bank their was no money deposited. After half hour he called and asked if the funds were transferred. I said No and he proceeded to tell me that I needed to purchase a $485 insurance before he could transfer the money and that if I were to die tomorrow who would pay that loan. I was outraged of how he scammed me in my moment of desperate need. I couldn't contain how upset I was I couldn't stop crying. He continued insisting that he needed the $485 or else I wouldn't receive the loan. I refused and asked for my $95 back and he said "no mam it cannot be refunded until 45 business days"! I am still in a horrible financial position. Please avoid these people at all cost. I'm terrified that they have my information/identity. The man I spoke to:*** ****** Cash Net USA(XXX)-XXX-XXXX Product_Or_Service: Personal Loan Account_Number: Loan approval# *****

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need these companies to terminate my information. Also a refund of $95.00 and help to regain my identity. Most importantly this company is fraudulent and scam. This man needs to be arrested and the company need to be shut down or called out by the BBB or authorities. This has happened to too many people going through a difficult time.

Business Response: Initial Business Response /* (1000, 5, 2015/02/16) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records do not indicate Ms. ******** is nor was a customer of CashNetUSA. Please be advised that CashNetUSA does not provide financial services for residents of the state of ************ nor do we provide financial services in the amounts listed in the complaint. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. The phone number listed in the complaint, XXX-XXX-XXXX, does not belong to and is not used by CashNetUSA. CashNetUSA also does not employ anyone by the name "*** ********* CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and possibly demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

2/13/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Cash Net USA Issue #XXXXXXX

Desired Settlement: I secured a loan from Cash Net USA. When Cash Net USA tried to transmit the money there was an error on their end. In this case, the bank never received any notice because the money was never transmitted to the bank by Cash Net USA. I ended up getting charged with $200 in fees from the bank due to a negative balance. Luckily the bank was nice enough to remove 1/2 of the fees so I am only out $100. The reason I am upset is I never received an email or call from Cash Net USA advising me the transmission failed. If I was notified immediately I could have resolved this issue quickly and not been charged the fees. Cash Net USA's computer system stated my debit card # was good for their fast cash option, the loan was approved, and funds should have been transferred as promised. Cash Net is only offering me 50% of my next loan as a way to remedy the situation. I want the $100 in remaining fees to be reimbursed to me as soon as possible.

Business Response: Initial Business Response /* (1000, 8, 2015/02/13) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. On January 21, 2015, Mr. ****** applied for a $300.00 payday loan. Due to an inadvertent error, Mr. ******'s loan was not funded as requested. However, CashNetUSA understands that it could have done more to communicate to Mr. ******. We apologize for the confusion this matter may have caused Mr. ******. Our compliance department spoke with Mr. ****** and has advised him that we will reimburse the bank fees he may have incurred once we have received a bank statement detailing such charges. Unfortunately, Mr. ****** has not yet provided the requested documentation. Again we ask Mr. ****** to submit the bank statement via fax or email to: Fax: XXX-XXX-XXXX Email: ******@enova.com Please note upon receipt of the required documentation, CashNetUSA will reimburse Mr. ******. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

2/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 11/4/14 I contacted a customer care agent for Cashnet USA because I was considering using the $2250 available in my "account" to catch up on some bills. However, prior to requesting the cash advance, I wanted to have a first payment due date and estimated amount. I explained all of this to the customer care agent. I was told if I took the advance that day my 1st payment would be due 11/13 and would be somewhere around $400. On 11/13 my payment due was $0. I found out the due date would be 11/20. Today, 11/17, I contacted customer care again because, while the due date says 11/20, the amount due still says $0. Today I was informed my 1st payment due date is 12/4 and is almost double what I was told.

Desired Settlement: I simply don't want to be penalized for being unable to make the payments since they are basically double what I was told they will be. I still plan to pay off my debt, but the company should have to stick with the payment info I was given. I cannot afford the new payment amounts I'm being told.

Business Response: Initial Business Response /* (1000, 8, 2014/12/08) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On August 1, 2012, Mr. ******** opened a $1,250.00 Line of Credit with CashNetUSA. Mr. ******** signed his Line of Credit agreement stating he understood and agreed to the terms and conditions associated with the Line of Credit. The interest and fees applicable to his line of credit were clearly set forth in the agreement. Mr. ******** has made many advance requests throughout his history with CashNetUSA. Mr. Astrii's payment history, and other factors, earned a credit limit increase to a maximum limit of $2,250.00. On November 5, 2014 CashNetUSA was contacted in regards to an estimate on payments due on an advance request of $2,250.00. Unfortunately due to human error a first payment date of November 13, 2014 was quoted. Due to the date that the advance was requested and the customer's billing cycle the first payment would not be due until December 4, 2014. On November 17, 2014, we advised the customer of the error and provided the correct dates and amounts due. On November 18, 2014 our Customer Support Department offered a 35% discount towards the fees assessed due to being provided an incorrect starting repayment date. This allowed a discount of $118.12 towards $337.50 due in transaction fees. CashNetUSA values Mr. ******** as a customer and strives to provide the ultimate customer experience. As such, CashNetUSA's compliance department attempted to contact Mr. ******** via telephone and email in regards to his concerns to attempt to address them directly to determine if any concerns remain; unfortunately, we were unsuccessful in reaching him and he has not contacted us back. CashNetUSA is willing to assist Mr. ******** in regards to any concerns he may have regarding his account, however, we ask that he please contact our compliance department at XXX-XXXX ext. ****. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 10, 2014/12/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received an email on 12/1 from a Cashnet employee saying they have been trying to reach me but have been unsuccessful. I responded to the email and have heard nothing back. I also made a $400 payment on my due date (12/4), as I told the company that was all I could afford (which is why I called for payment info before requesting the funds). Cashnet withdrew an additional $128.04 from my account on December 8th. Final Consumer Response /* (4200, 21, 2015/01/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Cashnet keeps saying the same thing, yet I have not been contacted, nobody responds to my email, etc. My account is past due and will continue to be that way because I cannot afford the payments. As I've already stated many times, this is why I called for payment info prior to requesting the funds. Now I am delinquent and see no end in sight to dig me back out of this hole. Final Business Response /* (4000, 23, 2015/02/05) */ Thank you for forwarding the customer's continued concern. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We are sorry for the continued inconvenience regarding Mr. ********'s account. As per our previous response CashNetUSA's Compliance Department continued to attempt to contact Mr. ******** regarding his account unsuccessfully via the contact number on file. Unfortunately we are unable to leave a message at the number. We also have no record that the Compliance Department has been contacted directly as indicated in the previous responses so a resolution could be attained. Mr. ******** has not contacted CashNetUSA since December 14, 2014. CashNetUSA's Compliance Department has attempted to contact Mr. ******** regarding his account on the following dates: December 29, 2014, December 31, 2014, January 16, 2015, January 31, 2015, February 3, 2015, February 4, 2015 and February 5, 2015. Unfortunately there is no answer on the phone number listed as the contact number on file and the option to leave a message is not available. Emails sent to the email address on file which matches the email address on the complaint, requesting Mr. ******** to contact the Compliance Department directly, including our contact information, were sent on January 16, 2015 and February 3, 2015. Our records do not indicate that a reply has been received. CashNetUSA continues to be willing to assist Mr. ******** in regards to any concerns he may have regarding his account, however, we ask that he please contact our compliance department directly at XXX-XXX-XXXX ext. ****. If he prefers to communicate via email he may contact our compliance department directly at **********@*****.com. We are sorry that Mr. ******** is not satisfied with the Line of Credit product offered and are happy to work towards a resolution. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

1/26/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a customer for about a year now. They have always been good about working with me. If I have had trouble with making a payment they have worked with me. There have been a couple of times that I have made two payments at once. When that happens they don't take one of them off my balance. They tell me it is taken off. But I keep track of it. On Thursday 12/17, when I logged in it showed my balance of 1778, then on Friday morning the 18th as 1578. That was after 194 was applied to principal, Ok so then today on 12/22 I made a 367 dollar payment and 210 was going to the principal and my balance was the same. I did make a cash advance on my account as well. They told me my account had never been down to 1578 but it was and I saw it. I am not sure what is going on this makes twice it has happened. They will give me the credit but not take it off my balance?

Desired Settlement: I just my balance adjusted and fixed.

Business Response: Initial Business Response /* (1000, 8, 2015/01/12) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ******* opened a $1,350.00 Line of Credit with CashNetUSA on December 22, 2013. When signing the Line of Credit agreement the customer confirms that they understand and agree to the terms and conditions associated with the Line of Credit. The interest and fees associated with the line of credit were disclosed prior to the execution of the contract and are clear on the contract as well. On December 23, 2013, per the customer's request, we funded a $1,350.00 advance. The interest and fees applicable to the line of credit were clearly set forth in the agreement. For each billing cycle the customer has made the minimum payments on her account as detailed on the statements submitted each billing cycle via email. During the lifetime of her Line of Credit, Ms. ******* has been granted credit limit increases based upon her account history. Ms. *******'s current credit limit is $2,000.00. As set forth in Ms. *******'s Line of Credit agreement, she will be required to make minimum payments every billing period she carries a balance. The minimum amount due on each due date will be 15% of the outstanding Principal Balance and any fees, plus all interest, or $100, whichever is greater. There is a transaction fee imposed for every advance requested. The transaction fee is 15% of the amount borrowed. Additionally, Interest will be charged on the scheduled Principal Balance that is outstanding each day. Our records indicate that in addition to the original advance request funded on December 23, 2013 Ms. ******* has requested 26 advances, the total amount of all advances is $7,457.00. As credit becomes available due to a payment being made, an advance is requested which adds to the outstanding principal balance. As detailed above the repayment structure of the Line of Credit was clearly laid out in the loan agreement which was signed by Ms. *******. Ms. ******* has the option of making payments in excess of the minimum payments due, which would help reduce the principal balance faster. Our records indicate that the account balance as of December 18, 2014 was $2,357.01 as per the billing statement made available to Ms. ******* on December 18, 2014. This included a previous balance of $2,378.57; a payment of $419.55 ($215.63 Principal, $29.54 Fees and $174.38 Interest) on December 5, 2014, an advance request of $216.00 on December 11, 2014, transaction fees of $32.40, interest assessed for the billing cycle of $149.59). As indicated above, the payment towards the principal balance was offset by the advance requested. This explains why the balance did not decrease. On the following billing statement, our records indicate that Ms. *******'s account balance as of January 1, 2015 was $2,447.57. During this billing cycle Ms. ******* made total payments equaling $778.09 and advanced $600.00 plus $90.00 in transaction fees. We apologize for any confusion regarding Ms. *******'s Line of Credit. Our Customer Service Department is available 24 hours a day 7 days a week and willing to assist our customers with any questions they may have. As of January 12, 2015 the total outstanding principal balance is $1,999.94, with an account balance of $2,296.34. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

1/19/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was told I was approved for a loan of $5000. I paid the first month/s payment though a ******* reload card. I was then told that there was trouble transferring the funds into my bank so I would have to pay $280 for a ******* ***** transfer on another prepaid card. I did that. Then I was told that the funds were being blocked and I needed to pay another $210 for insurance in case I did not make the payments. I did this. They said that there was trouble with the card and I would need to purchase another card for $210. However the ******* reload people would only take another $135 as that was the limit you can put on card in a day. The loan officer said that he would put the rest in so that the funds could be released that day. He then sent us to a closed ************* office in another town. When I called them back the next day they said that if I wanted to cancel I would have to pay a $120 cancellation fee or pay them another $75 and they would release the funds. When I expresses that I had received nothing for all the money I had paid and did not feel I should have to pay more to cancel something I never got they said I would never get anything back and hung up on me. They advertise that they have an excellent BBB rating. I do not see how this could be so. Since no transaction ever took place I feel I am entitled to all my money back. Product_Or_Service: loan Order_Number: n/a Account_Number: n/a

Desired Settlement: DesiredSettlementID: Refund I want my $952.77 back and cancel anything further

Business Response: Initial Business Response /* (1000, 5, 2015/01/16) */ Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records do not indicate Ms. ******* is nor was a customer of CashNetUSA. Also, CashNetUSA does not provide loans in the amount of $5000.00 in the state of ********** CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

1/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: From the details I received regarding this loan via collection attempts, this was filed during a time I was driving home from work. I have never once seen some random deposit of the amount this "loan" was taken out for in my bank account nor even heard of this company until their collections have contacted me regarding this. My bank statements from back then never showed any deposit from this company but showed other charges leading to the account being closed due to identity theft. I am still being contacted on this issue even today for this loan I never filed.

Desired Settlement: Being left alone from this company and their collections for a loan I never filed. I will seek a lawyer if necessary.

Business Response: Initial Business Response /* (1000, 8, 2014/12/31) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We were able to locate a possible profile for Mr. ******* with the information provided, however additional information would be required to verify the account. Please be advised however that the account in question is no longer with CashNetUSA. CashNetUSA has not attempted to collect on the account since it was sold to a third party debt buyer, nor does it have any entity attempting to collect on behalf of CashNetUSA. CashNetUSA is not associated in any way with the persons referenced in this complaint who are making these collection calls. These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted the complainant and who are falsely posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. If Mr. ******* is asserting that he may be the victim of Identity Theft/Fraud we ask that Mr. ******* please contact our fraud department and provide a copy of a police report or fraud affidavit to assist our investigation of this claim. Mr. ******* may submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

1/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been called several times this week from XXX-XXX-XXXX. A man with an ****** (not Native ********* accent answers and identifies himself as ****** ******* and attempts to obtain my personal information for an instant loan I have been pre-approved for. He tells me that I have already applied for the loan and it has been approved and all he needs for me to do is give him my bank information to wire transfer the money to me. I asked him when the loan was applied for and where and he says that he doesn't have that information but it was applied for online. I have never applied for any cash advance loan of any kind. I have never applied for any type of loan other than a house and car loan. I asked to speak with this person's supervisor and he said he was the supervisor. I asked him to take my name and number off of his list and delete the application as I am not interested. Instead, he just hangs up on me. I get multiple calls each day and it sounds like the same person that is calling me. I called Cash Net USA directly and they told me that it is not them. I spoke with a representative there named "*****" and she spoke with an American accent and I could understand her much better. She was the one who confirmed with me that there was no **** ***** working for Cash Net USA and that they were a scammer. She recommended I report this to the BBB and provide you with the phone number that was calling me so hopefully you could do something about this. About 30 minutes after the initial call from XXX-XXX-XXXX, I get another call from XXX-XXX-XXXX. I never speak to anybody at this number, I can hear noise in the background that sounds like an office, but then they just hang up never answering me. I would really like for these harassing phone calls to stop. You may contact me if you have any questions. My email is ************@yahoo.com

Desired Settlement: I would like for the Scammer to be arrested and charges filed against him for harassment on my part and possible theft if other people have actually given him their personal banking information.

1/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: About 3 weeks ago I received a deposit into my checking account for the amount of $300. I received an email stating that CashNetUSA will be withdrawing the full amount of the loan and a $45 fee from my account on the 19th of December. I replied to 3 email stating that I did not apply for a loan nor have I had contact with their company. I may have borrowed money from them in the past over a year and a half ago and they still had my information and without my consent or knowledge, deposited funds into my account. I called customer service to ask how this happened and how to return their money. I was told I would have to file a police report and a formal complaint in order to stop the process. I am in Bankruptcy and cannot apply for nor receive loans. Is it not a criminal act to loan an individual money without their consent and charge them a fee for it??

Desired Settlement: I would like the fee they are going to charge me and additional funds for using these types of business practices by charging me a fee for an unsolicited loan and for accessing my account without written consent.

Business Response: Initial Business Response /* (1000, 10, 2014/12/29) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. According to our records, a CashNetUSA profile was created using Mr. *******'s personal identifiable information through one of our marketing partners. Our records indicate that the information on file has been updated multiple times through our marketing partners. On December 1, 2014, a payday loan in the amount of $300.00 was funded to the bank account on file after we received a loan application completed using his personal information. On December 12, 2014, Mr. ******* contacted CashNetUSA to advise us that he did not apply for the loan. However Mr. ******* indicated that the funds had been received. To best assist Mr. *******, CashNetUSA scheduled a debit of the principal balance of the loan only to be debited from the bank account on file to retrieve the funds. Mr. ******* was not held responsible for any fees associated with the loan. The debit was scheduled to occur on December 16, 2014. On December 18, 2014, CashNetUSA received a notification from the banking institution indicating that the payment could not be honored because it was a non-transaction bank account. The $300.00 principal balance payment returned unpaid. We apologize for any inconvenience that this may have caused however CashNetUSA acted in good faith to retrieve the funds and resolve Mr. *******'s concern. We ask that Mr. ******* contact CashNetUSA as soon as possible in order to setup an alternate payment method. Since Mr. ******* is asserting that he did not apply and that he may be the victim of Identity Theft/Fraud we ask that Mr. ******* please contact our fraud department and provide a copy of a police report or fraud affidavit to assist our investigation of this claim. Mr. ******* may submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

1/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I had gotten payday loans from CashnetUSA, paid them back with no problem. They dangled an installment loan in front of me, when I was desperate, and I bit. I didn't read the small print, where the interest rate was like the payday loans- 400%.

Desired Settlement: I want to pay the loan back, never intended to dodge it. I just want a payment plan that I can deal with. Over $600 a month is unacceptable. I only draw $835 in a disability check.

Business Response: Initial Business Response /* (1000, 9, 2014/12/22) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On August 5, 2014, Ms. ******** opened a $2,000.00 Line of Credit with CashNetUSA. Ms. ******** signed her Line of Credit agreement stating she understood and agreed to the terms and conditions associated with the Line of Credit. The interest and fees applicable to her line of credit were clearly set forth in the agreement. On August 6, 2014, per Ms. ******** request, she received a $150.00 advance. She has requested multiple advances since that initial request. On October 20, 2014, Ms. ******** requested to make payment arrangements for her minimum payment that was due on November 3, 2014. CashNetUSA honored her request. CashNetUSA accepted a payment of $300.00 on November 3, 2014 and setup a payment arrangement for the remaining balance due originally due on November 3, 2014. This did not affect the minimum payment which was scheduled on December 3, 2014. On November 23, 2014 Ms. ******** advised CashNetUSA that she was unable to make the minimum payment due on December 3, 2014. CashNetUSA offered to adjust the due date of the payment; however the customer declined the offer. Our records indicate that the payment which was due on December 3, 2014 was unfortunately returned to us unpaid with began normal collection activity. It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA). However, Ms. ******** has asserted in her complaint that she is having financial difficulties and would like to make alternate arrangements. CashNetUSA values Ms. ******** as a customer and strives to provide the ultimate customer experience. As such, on December 16, 2014 and December 22, 2014, CashNetUSA's compliance department attempted to contact Ms. ******** via telephone in regards to her concerns to attempt to address them directly; unfortunately, we were unsuccessful in reaching her and she has not contacted us back. CashNetUSA is willing to assist Ms. ******** in regards to any concerns she may have regarding her account, however, we ask that she please contact our compliance department at XXX-XXX-XXXX ext. 5035. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

12/30/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Receiving recorded calls for past 3 months. 4 requests to be removed from call list. Already placed on do not call list. Continue to receive calls.I receive a recorded call at XXX-XXX-XXXX, stating to call XXX-XXX-XXXX immediately, as it is a "very sensitive matter." I began receiving the calls in August 2014. I requested to be removed from their call list in August and in late September. In October, I registered the number in the do not call registry and made a 3rd request to be removed from their call list. In each case, they shared that the number (XXX-XXX-XXXX) is not registered with them, but they would forward the request for the number removal to management. I continue to receive the recorded message daily. On my 4th request, I insisted I speak to "management". I was put on hold, then the person said you will now be connected to management, then I was disconnected.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Stop calling this number.

Business Response: Initial Business Response /* (1000, 8, 2014/12/29) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We apologize for any inconvenience which may have been caused in regards to any communication to the phone number provided. The complaint indicates that Mr. **** has contacted CashNetUSA in order to cease contact on the phone number listed in the complaint multiple times. Unfortunately the account associated with the phone number does not indicate that a request to cease communications was received. We apologize for any inconvenience that this may have caused. Our records do indicate that the phone number in question was listed as a place of employment during the application process of a CashNetUSA customer. The phone number was listed as a contact number and therefore contact was attempted using this number. On December 16, 2014, to best assist Mr. ****, the phone number was updated to reflect that it was not a valid contact number for our customer and a request to remove it from any automated dialing list was completed. Our records indicate that the last call made to the phone call in question was on December 12, 2014. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

12/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is trying to scam me I did not give permission for them to run my credit report and I did not ask for any loans.

Desired Settlement: Stop running my credit stop scamming or trying to scam me.

Business Response: Initial Business Response /* (1000, 5, 2014/12/08) */ Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate Ms. ******* was a customer of CashNetUSA. On August 16, 2013, Ms. ******* was funded a $600.00 pay day loan. However, after being in a delinquent status for over 60 days, on November 20, 2013, CashNetUSA sold the account to a third party debt, **** The direct contact number to contact *** is XXX-XXX-XXXX. Since the account no longer belongs to CashNetUSA, no further contact has been made with Ms. *******. Further, CashNetUSA does not perform traditional credit checks as a part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, ********* and ** Verify. CashNetUSA is not associated in any way with the persons referenced in this complaint who may have placed an inquiry on Ms. *******'s credit report without permission. Also, if the customer is currently being contacted, CashNetUSA is not associated in any persons who may be referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA has no knowledge of or control over the individual or company potentially placing inquiries to Ms. *******'s credit report. Therefore, and unfortunately CashNetUSA cannot prevent this activity from occurring in the future. If customer is asserting that she may be the victim of Identity Theft/Fraud we ask that (customer) please contact our fraud department and provide a copy of a police report or fraud affidavit to assist our investigation of this claim. The customer may submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext. **** Fax: ************ Email: ***************@cashnetusa.com Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA. However, if you have further questions or concerns feel free to contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/12/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not true the e-mail that i receive contains there name cash net usa.I have to received anything in writing deliver to my home.If this is my debt i request for a validation letter with all information included.The day it was processed to what address to whos account and proof of my hand written signature.Someone with this company continues to call my job and my cellular phone leaving threatning voice mails and this is unacceptable.I do not owe this company any money. Final Consumer Response /* (4200, 11, 2014/12/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is all wrong because I have proof that they keep calling me and they have left voice mails I still have and at my job. Final Business Response /* (4000, 13, 2014/12/22) */ Response: Thank you for forwarding this follow up complaint from Ms. *******. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA respects Ms. *******'s decision not to accept our most recent response. Our records indicate Ms. ******* was a customer of CashNetUSA. On August 16, 2013, Ms. ******* was funded a $600.00 pay day loan. However, after being in a delinquent status for over 60 days, on November 20, 2013, CashNetUSA sold the account to a third party debt, **** The direct contact number to contact *** is XXX-XXX-XXXX. As stated previously, since the account no longer belongs to CashNetUSA, no further contact has been made in an attempt to collect a debt with Ms. *******. CashNetUSA is not associated in any way with the persons referenced in this complaint who may have contacted Ms. *******'s cellular phone or place of employment. If Ms. ******* has any concerns regarding the account which was sold to **** she may contact *** directly to discuss her account. CashNetUSA has no knowledge of or control over the individual or company contacting Ms. *******. Therefore, and unfortunately CashNetUSA cannot prevent other individuals or companies from contacting or leaving messages for Ms. ******* in the future.

12/8/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was contacted and asked if I needed to take a loan. I agreed to take the loan. I was told that all I needed was $100 to secure the loan. I paid the $100 using a ********. Then I was told I needed $225 for paperwork. I paid the $225 for the paperwork. Then I paid another $200 to secure the loan. At that point I could no longer continue to give anymore money and requested to have my money refunded. I was told that the money was sent to ************* and I couldn't get my money back. I made several calls and then I was told in order to get my money back I would need to pay $100. I would just like to get th $525 returned.

Desired Settlement: I am requesting to have my $525 returned. This is the amount that I submitted to the company.

Business Response: Initial Business Response /* (1000, 5, 2014/11/25) */ Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate Ms. ******* completed an application with CashNetUSA on April 7, 2014, but unfortunately, CashNetUSA does not provide financial services in the state of *** ******* CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. In addition, CashNet USA does not use ******* ***** to distribute funds. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA. However, if you have any further questions feel free to contact us.

12/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: On 10/19/14, I applied for a loan (loan # XXXXXXXX-X) for $150 through cashnet's website. I was approved, and the funding was supposed to be applied on 10/20/14 via direct deposit. I did not receive the funds. When I realized this, I called and spoke with a representative who advised me that I had entered my banking information incorrectly ************* is what they had, my bank account number is XXXXXXXXXXXX). They stated that I would have to wait 3 business days for the funds to be reversed before I could reapply. About 5 days later, I attempted to reapply again, but was advised I already had an active loan. I called again and was advised again that they would be reversing the funds because the bank account that it was set up to be deposited in did in fact receive the funds. The next communication I had with them was on 11/15 when they called to collect my past due amount that was due on 11/7. I advised them again that the funds were never deposited into my account. They again stated that they would have to reverse the funds and that this would take a few days. I recieved another call today on 11/19 and was left a voicemail. When I called, I spoke to a representative who transferred me to a supervisor. The supervisor stated that I was responsible for 86.25 since they had collected part of the payment already. They did not give me any other options.

Desired Settlement: Please take this loan of my account so it is not reported to the credit bureaus

Business Response: Initial Business Response /* (1000, 8, 2014/12/01) */ Contact Name and Title: ****** *******/Compliance Contact Phone: XXXXXXXXXX Contact Email: ********@enova.com Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. On October 20, 2014, Mr. ***** applied and was approved for a $150.00 payday loan. On October 20, 2014, Mr. ***** contacted our customer service department to verify the bank account on file. If was confirmed that the bank account on file was incorrect, however the loan had already been funded to the bank account on file. As per our process our customer service representative advised Mr. ***** that CashNetUSA must wait two business days for the loan to return to us as undeliverable prior to being able to update the bank account on file. Once the loan was returned and the bank account on file was updated, Mr. ***** could reapply for the desired loan if eligible. Unfortunately our records indicate that the loan did not return. Due to the loan not returning the loan became due on November 7, 2014. When the loan was not successfully repaid on November 7, 2014 our normal Collections process commenced. We apologize for the inconvenience this matter has caused Mr. *****. As such, on November 25, 2014 CashNetUSA waived the account balance. Mr. ***** was contacted by our Compliance Department and advised that the balance on file was waived and advised that prior to submitting a new loan request, if desired; proof of the correct bank account would be required. Mr. ***** understood and agreed to our resolution. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

12/2/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had applied for a loan online. I was contacted by cash net usa saying I was approved for a loan up to $5,000.00. So I contacted the number on the email which was XXX-XXX-XXXX. I spoke to a man name **** ******* he took all my information and told me that I could get the loan as long as I showed a "soft capability test" by putting 150.00 on a green dot money pak card. So I did everything that was asked of me and they told me the servers were down so it would take longer to process the loan. So I waited patiently and they never deposited the money. I tried to call them back and they just kept putting me on hold. So I researched it on BBB and found out that they have done this to several other people. So I knew then I had been scammed. I have all the e-mails I received and I also have the receipt and green dot money pak card that I purchased.

Desired Settlement: I am requesting the refund for my $150.00 that I put on the money pak card. I am also requesting that you investigate this company and this so called **** ******* Thank you have a great day.

Business Response: Initial Business Response /* (1000, 5, 2014/11/21) */ Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records do not indicate Ms. ****** is nor was a customer with CashNetUSA. **** ******* the individual mentioned in the complaint, is not a representative or associated with CashNetUSA. The phone listed Ms. ****** called, XXX-XXX-XXXX is not registered or affiliated with CashNetUSA. CashNetUSA is not associated in any way with the persons referenced in Ms. ******'s complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Further, CashNetUSA does not offer loans in the amount of $5000.00, and does not provide financial services in the state of ********* CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

12/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: CashnetUSA claim that a electronic check was returned to them on 1/13/14 as non sufficient fees. They them turn the account over to a collection agency for as a debit owed due to a returned check. The ACH was cancelled long before a payment was due. There were no returned checks, after I verified this with my bank. Print Close Response to Your CashNetUSA Inquiry From: *******@cashnetusa.com Sent: Fri 1/17/14 1:58 PM To: ********@hotmail.com Dear ****** *******, Customer # XXXXXXXX Thank you for choosing CashNetUSA, America's trusted online lender. In response to your request, cancellation of your electronic debit authorization has been processed. However, cancellation of your electronic debit authorization does not relieve you of your obligation to pay your installment loan. You can now process your installment payments online by your due date before 5pm CST with your Credit/Debit Card to avoid late fees and Collections procedures. Your next installment payment of $169.59 is due on 01/27/14. You can also view your payment schedule online by login at our website at www.cashnetusa.com with your email address and password. If you have any questions or concerns, our customer support team is available 24 hours a day, seven days a week to help answer all your questions via phone, email or online chat. CashNetUSA Customer Support Phone:(XXX)XXX-XXXX Fax:(XXX)XXX-XXXX Email: ***********@cashnetusa.com www.CashNetUSA.com Was this email not helpful enough? Please click here http://cnuservice1.questionpro.com to share your comments with us. ****** M Outlook.com Print Message Page 1 of 1 **************************************************************** 11/11/2014

Desired Settlement: Setup payment plan to resolve issue.

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On November 29, 2013, Mr. ******* applied and was approved for a $900.00 installment loan with CashNetUSA. The loan was funded to the bank account on file on December 2, 2013. Mr. ******* signed his agreement stating he understood and agreed to the terms and conditions associated with the installment-payday loan. The terms of the agreement were clearly disclosed in the agreement and were available and provided to him prior to signing the agreement. Further, Mr. ******* agreed to a payment schedule that was contained in the loan agreement. Our records indicate Mr. ******* contacted the Customer Service Department of CashnetUSA on January 17, 2014 requesting cancellation of his electronic debit authorization. At that time CashNetUSA advised Mr. ******* that revoking his ACH authorization would not relieve him of his obligation to pay his installment-payday loan. Mr. ******* was also advised installment loan payments could be made on line by his due date before 5pm CST with a Credit/Debit Card to avoid late fees and Collections procedures. CashNetUSA informed Mr. ******* his next installment payment of $169.59 was due on 01/27/2014. On January 24, 2014, CashNetUSA received a phone call from Mr. ******* and provided him with a courtesy due date adjustment which changed his next due date from 1/27/2014 to 2/10/2014. However, due to human error, the payment was scheduled to be an ACH payment from the bank account on file in error. Because of this error, On February 10, 2014, CashNetUSA reversed the payment of $169.59 debited incorrectly from Mr. *******'s checking account. The transaction reversal was later confirmed by US Bank on February 13, 2014. Nevertheless, it was still Mr. *******'s responsibility to make scheduled payments on his installment loan. Therefore, the last successful payment CashNetUSA received from Mr. ******* towards repaying his debt was the payment made on January 13, 2014. CashNetUSA attempted via phone and email to contact Mr. ******* to discuss options on paying his delinquent loan. On August 11, 2014, CashNetUSA's sent an email Mr. ******* advising him on the past due status and balance of his account. The email also informed Mr. ******* his loan would be sold to a third party debt buyer unless he contacted us to set up a payment arrangement by August 15, 2014 at 4:00 PM CST. Unfortunately, Mr. ******* did not respond to any of CashNetUSA's correspondence or offers of assistance. Therefore, after being delinquent for 183 days, Mr. *******'s installment loan was sold by CashNetUSA to ******** ****** ********* (NCA), a third party debt buyer on August 21, 2014. CashNetUSA's decision to sell the loan to a third party debt buyer was a result of Mr. *******'s nonpayment of his installment loan. Since CashNetUSA no longer owns Mr. *******'s account we are unable to assist with a repayment plan. Any concerns regarding repayment of the loan must be directed to the third party debt collection agency which holds the debt. Mr. ******* may contact *** at XXX-XXX-XXXX for further assistance. Hopefully, this information will appropriately address the concerns Mr. ******* has with CashNetUSA. Initial Consumer Rebuttal /* (3000, 7, 2014/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) When CashNetUSA sold this to ******** ****** ********** they indicated that a check or ACH had be returned as non sufficient fees against my checking account. After calling my bank, they reassured me that they had no record of any returned checks or ACHs in regards to CashNetUSA. Just as "due to human error, the payment was scheduled to be an ACH payment from the bank account on file in error", they made a human error is reporting the loan that they sold to National Credit Adjusters as a returned check or ACH. They need to rectify this, as the loan was then sold on from ******** ****** ********** as a loan in which a check or ACH had be returned as non sufficient fees. There was never a check or ACH had be returned as non sufficient fees.

12/2/2014 Delivery Issues
11/24/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The worst customer service and management.Went in my checking without my authorization.and refuse to let me speak with a manager or give me the managers name. They sent me a email stating that they would not go into my account and that I would be calling my payments in. When I called they put me in who they say is the mangers voice mail. This is the worst company that I have ever done business with. Can you please advice me of what further steps I can take.Thank you***********

Desired Settlement: DesiredSettlementID: Other (requires explanation) Put money back in my checking account and pay for all return check fees.

Business Response: Initial Business Response /* (1000, 5, 2014/11/11) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On December 13, 2012, Ms. **** opened a $850.00 Line of Credit with CashNetUSA. Ms. **** signed her agreement stating that she agreed to the terms and conditions associated with the line of credit. Ms. **** has requested several advances. On March 8, 2013, Ms. **** revoked her ************************ (***) Authorization. CashNetUSA honored her request and has not debited her bank account. On June 18, 2013, Ms. **** spoke with one of collection representatives and scheduled the following payment arrangement via debit/credit card. Our records do not indicate that we have debited Ms. ****'s bank account: Payment Method: Debit/Credit Card Date: 2013-06-18 Amount: $50.00 Payment Method: Debit/Credit Card Date: 2013-07-01 Amount: $52.34 On June 18, 2013, Ms. **** paid $50.00 via debit/credit card. On July 1, 2013, Ms. **** paid $52.34 via debit/credit card. In addition, a confirmation email was sent to Ms. **** advising her of the payment arrangement she had agreed upon and scheduled. On July 1, 2013, Ms. **** contacted our customer service department in regards to this matter and advised that we would further investigate her concerns. Ms. **** spoke with one of our customer service managers and was advised that she agreed to the payment that was scheduled on July 1, 2013. Please note, CashNetUSA does not sporadically schedule payments. CashNetUSA only collects payments in accordance with customer loan agreements and agreed payment arrangements. We apologize for the confusion this matter may have caused Ms. ****. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: they call me on my house phone and told me i was approve for a three thousand dollar loan all i needed to pay was a 100 dollars on a money pak card anthey call me on my house phone and told me i was approve for a three thousand dollar loan all i needed to pay was a 100 dollars on a money pak card and i would get the loan in an hour they called me back and said i needed 320 dollars with they lost it.. and i had to pay another hundred and fifty dollars and they said the money would be relaease and they said i need another 260 and i paid that with a another money pak card and them they rip me off and i didnt not recieve anything now they will not give me any of the money that i paid into them. .. now they are wanting another four hundred and 20 dollars with i do not have they took every penny i paid in. i took the money away form my six month old baby girl.. i just want my money refunded back to me.. it was a big scammmmmmmmmmmmmmm they made me negitvate in my bank account.. and when i wanted to cancel they wanted me to pay another one and 180 dollar money pak to cancel.. the person name was ***** ******.. they said they didnt touch the money with are in the money pak card.. i am not a very happy person right now. they just wanted my money and my stupid self for for it cuz i though i was doing soomething good but i was scammmed.this has been going on for over two days now.. all i want is the money that i put on the money pak card back form them. they rip me off nig time..

Desired Settlement: DesiredSettlementID: Other (requires explanation) they call me on my house phone and told me i was approve for a three thousand dollar loan all i needed to pay was a 100 dollars on a money pak card and i would get the loan in an hour they called me back and said i needed 320 dollars with they lost it.. and i had to pay another hundred and fifty dollars and they said the money would be relaease and they said i need another 260 and i paid that with a another money pak card and them they rip me off and i didnt not recieve anything now they will no

Business Response: Initial Business Response /* (1000, 5, 2014/11/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Ms. ***** had applied for a loan with CashNetUSA, however she was not approved. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: received a call about an alleged debt from 2009I received a call from an unkown woman at phone# XXX-XXX-XXXX, Per this woman who would not identify herself. I owe cashnet $800 from a loan in 2009. I told her that i have never received anything inthe mail about a debt from cashnet. This lady stated that If I did not make payment arrangements I will be sued and will no longer have access to my bank account. The then proceded to tell me the last 4 digits of my SS# and my address. I stated that I would like to have proof of the debt mailed to me. She then stated that I would have to call cashnet for that. I then asked well were are you calling from, I was then transferred to some unknown number that just played music. I am very concerned that these people have my personal information and I'm going to contact a lawyer. Also the I called back the number above that was on my caller id and it does not identify what company you are calling, no one ever answers the phone you are on continuous hold

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want the calls to stop. If this indeed a true debt I would like proof of it in writing sent to me.

Business Response: Initial Business Response /* (1000, 5, 2014/11/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are making these collection calls to Ms. ******. The XXX-XXX-XXXX phone number mentioned in the complaint is not registered with CashNetUSA. These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. According to our records, Ms. ****** has received a $350.00 loan on May 8, 2009. Unfortunately, after being a delinquency status for over 180 days, the loan was sold to NCA (XXX-XXX-XXXX), a third party debt buyer. If Ms. ****** is asserting that she may be the victim of Identity Theft/Fraud we ask that Ms. ****** please contact our fraud department and provide a copy of a police report or fraud affidavit to assist our investigation of this claim. Ms. ****** may submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com Unfortunately, CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted the complainant and who are falsely posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

11/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: This company says I took out a loan with them and never paid it back. Cashnetusa says I took out a loan with them and never paid it back. When I questioned them they have an address I never lived in, a bank I never banked with, and a place of employment that is over 5 years old. I told them all of these things and they're response was as long as they have my name and Social Security number they can "come and get their money." I asked for them to send me some paper work or anything they had of the matter. I collector said they don't have any and hung up on me.

Desired Settlement: DesiredSettlementID: Other (requires explanation) To be left alone or for them to provide some kind of evidence that I took out this loan.

Business Response: Initial Business Response /* (1000, 5, 2014/11/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, CashNetUSA is not associated in any way with the persons referenced in Mr. ****** ******'s complaint who are making these collection calls. According to our records, Mr. ******* ******'s has received several loans with CashNetUSA. His most recent loan with CashNetUSA in the amount of $451.25 was funded on July 30, 2007. Although, after being in a delinquency status for over 90 days, CashNetUSA sold the account to *** a third party debt buyer on February 21, 2008. CashNetUSA has not attempted to contact Mr. ****** or collect on his account since we sold the account to *** on February 21, 2008. Because CashNetUSA does not own the account and has not been attempting to contact Mr. ******, CashNetUSA has no knowledge or control over the conduct detailed in Mr. ******'s complaint. If Mr. ****** is asserting that he may be the victim of Identity Theft/Fraud we ask that Mr. ****** please contact our fraud department and provide a copy of a police report or fraud affidavit to assist our investigation of this claim. Mr. ****** may submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

11/17/2014 Delivery Issues
11/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I RECEIVED MY ***** ********** BANK STATEMENT 8/30/14 TO 9/30/14 ACCT #XX-XXXX-XXXX *** bank and saw two pay day loan withdrawels removed from my acct one for 219.77 on 9/12 and 1 on 9/26 222.68 I called and was told to make a police report wich i did i emailed it to them! called on 10/13 no record of text!Iwas given 2 fax #s which we tried both we got no confirm from either!10/14 left message about my frustration!Received a call at7:39 pm from ***** C about my acct #XXXXXXXX wich i did not open!She told me she received all communication was rude nasty and told me i opened the acct!!! I asked why they told me they they did not receive my messages she said i used wrong numbers not!After her abuse she said I reviewd your case and you owe the money.I cancelled my business acct. of 20 years due to this.I received a text shortly after that they will come after the money!!!!!! I DID NOT TAKE OR WOULD I EVER TAKE A PAYDAY LOAN!!!

Desired Settlement: 485.45 FOR WITHDRAWLES OVERDRAFT FEES AND OVERDRAFT CHARGE WHICH ARE DIFFERENT.

Business Response: Initial Business Response /* (1000, 8, 2014/11/04) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. According to our records, on September 2, 2014, CashNetUSA funded a $850.00 *** (Brokered) loan to Mr. ***** after receiving a loan application completed using his personal information. On October 6, 2014, Mr. ***** asserted that he was the victim of identity theft. CashNetUSA advised Mr. ***** that in order for CashNetUSA to investigate his identity theft claim, it would need a copy of a police report or fraud affidavit. On October 13, 2014, CashNetUSA received a copy of Mr. *****'s police report; however the copy he provided was not legible. On October 14, 2014, Mr. ***** spoke with our fraud department in regards to his claim, and advised him that additional information was needed. We apologize if Mr. ***** was not happy with the services he was provided and we understand this is a sensitive matter. CashNetUSA would be happy to work with Mr. ***** to investigate his claim that he did not apply for the loan, sign the loan agreement, receive the loan deposit in his bank account and that he is instead the victim of identity theft. Again, we ask Mr. ***** to please submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/12/2014 Billing/Collection Issues
11/11/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I received 3 emails from this company and I never applied for a loan with them. They were for another person. I received 3 emails and one for a denial on April 18,2013. I never purchased or applied to this company. I received the following message in my email: "Dear ******** ***************** # XXXXXXXXCashNetUSA is pleased to be chosen by your financial matching service as your online lender! You have only one more step to get cash in your bank account...don't wait!Simply sign your CashNetUSA agreement here:https://www.cashnetusa.com/*************************/fbXXXXXdcXXXXXXba9fXXXXXce1db7cd.html?source=welcome_leadsPlease be aware the above link is only good for 24 hours. If you've already signed your agreement, feel free to check your status 24/7 at www.CashNetUSA.com using the information found in your account login information email.If you have any questions, our Application Support Team is available 24/7 to help answer all your questions by phone, email or live chat.We want to make sure you're receiving our emails so you don't miss out on important updates and coupons! Please check your spam and junk folders and move our emails to your inbox and mark as important to make sure they are delivered straight to you in a timely manner.CashNetUSA Application SupportPhone:(XXX)XXX-XXXXEmail: *******@cashnetusa.comwww.CashNetUSA.comTo ensure delivery of important updates from CashNetUSA, please take a moment to add ***********@cashnetusa.com to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future!Terms and Conditions Apply.Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling."I never applied for a loan to this company. I have read that this company does these types of Scams.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Please remove me from your list! Please check the bogus persons who are applying for loan illegally ASAP. I DO NOT want to be held responsible for someone else applying for a loan. Legal actions taken if this is not resolved. An investigation of this company.

11/10/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I called CashNet USA for a loan and they told me I need to give them $135 for processing fee's. I went and loaded a ***** *** **** from ********** and gave the guy name ***** the number on the back of the card. An hour later He told me there was a problem and I needed to send another $420.00 to them. I did the same thing and went to ********* and loaded another card. The card numbers are: xxx xxx xxxx xxxx and xxx xxx xxxx xxxx. An hour later he told me I needed to go to my nearest ******* ***** and send another $345.00 the same way on the ***** *** ***** Card and send it ******* ***** to a ***** ***** ********** in *** ******* Then I would get my $4900.00 loan. The loan was supposed to be for two years for $200.00 a month. I knew then it was a scam. I wanted my money I sent to them back. He told me the only way I can receive my money was to pay them $130.00 cancellation fee. I did not send anymore money. I want my money back. They are scamming people who are in need or money. I really needed that money to pay my bills. Please investigate this company. They sent me a fake document I have in my email to. Their fax number is XXX-XXX-XXXX.Product_Or_Service: Loan

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: RefundI want my $560.00 back.

Business Response: Initial Business Response /* (1000, 5, 2014/10/29) */ Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. The complainant has applied for a loan with CashNetUSA, however, the application was not approved. Hopefully, this information will appropriately address the concerns the complainant has with CashNetUSA.

11/10/2014 Delivery Issues | Read Complaint Details
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Complaint: i was promised a loan and i was asked to send money upfront and after the money was sent the loan was never honoredon 5/21/13 i was contacted by cash net usa regarding a loan. after they took my application they called me back saying that i was approved for a loan. after i gave my information, s.s. number, bank routing number, birth date, etc...i was told that in order to receive the loan, i had to pay an initial processing fee of 120.00. i complied, then was told that i also had to pay a one-time insurance fee of 200.00 that would be refunded to me after the loan was paid. once i paid that, they told me that for some reason i couldnt have the money wired to my bank account and i would have to go pick up the money from *************. and as a result of that, i was told that i would have to pay an upfront cost of 100.00 to have the money sent to me via *************. i did using a ******* reload card. after that they told me the money would be wired to me within an hour. two hours passed and the money wasnt clear, so i called cash net usa once again to check the status of my loan and was told that the ******* company that was having problems with their systems so the last payment hadnt didnt go through. the manager told me that i would be refunded by the ******* company after 12:00am, but cash net said i had until 7:00pm to come up with another 100.00 or my loan would be terminated.i called the ******* company and they informed me that the balance from the 100.00 card i purchased had been extracted and at which time they told me that i had been a victim of a scam. i contacted cash net usa to tell them i wanted to cancel my loan and they told me that in order to cancel my loan, i had to pay an additional 100.00 cancellation fee by 7:00pm or they entire amount i sent them thus far would be forfeited.

Desired Settlement: DesiredSettlementID: Other (requires explanation) id like to have my money refunded to me or to have this scam operation shut down

Business Response: Initial Business Response /* (1000, 5, 2014/10/29) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Mr. ******* applied for a loan with CashNetUSA, and his application was not approved. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/6/2014 Problems with Product/Service | Read Complaint Details
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Complaint: This started 9/29/2014. I went thru ******* ********* **** ****** ***********, ******* *****, ****** (somebody) and others. The money was coming money gram and supposed to be there within an hour and I had two desparate bills equaling almost $3000 so I was told to go ahead and write the checks. Now I am overdrawn that on top of the $1390.56. I might possibly go to jail for all of this. The last place money was supposed to go was a card I have because my checking account is froze. I have not gotten it on the card. This is very frustrating

Desired Settlement: If I could get reimbursed the $4400 I would be very happy

Business Response: Initial Business Response /* (1000, 5, 2014/11/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Ms. ******. However please be advised that we are currently unable to offer loan services to Ms. ****** at this time. An email regarding her declined status was sent to the email address on file on September 21, 2014 and October 15, 2014. Also please be advised that in the state of ************ we are unable to offer a loan product in the amount indicated in the complaint. In regards to Ms. ******'s claim, please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not fund loans via MoneyGram nor do we accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/11/06) */ Chicago Better Business Bureau Mail ******* ******* <*******@chicago.bbb.org> Re: (SPAM) Re: BBB Complaint Case# ******** (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXX) 1 message **********@gmail.com <**********@gmail.com> Thu, Nov 6, 2014 at 1:37 PM To: ********* *******" <*******@chicago.bbb.org> These emails we're send to me from cashnetusa. Approved For Cash Loan from **** wyrler. Hello, We are waiting for your call. please call us asap **** ****** Sr. Loan Officer CashNetUSA Application Support Phone:(XXX)XXX-XXXX To ensure delivery of important updates from CashNetUSA, please take a moment to add this email address to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! Terms and Conditions Apply. *Funds deposited via ACH for delivery next business day if approved and issued by 9pm CST Mon - Thu or by 7pm CST Sun. **Successful repayment of past loans may qualify you for higher loan amounts in the future. Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. > On Wed, Oct 1, 2014 at 6:59 AM,<**********@gmail.com> wrote: Please contact me ASAP Sent from my iPhone > On Sep 30, 2014, at 6:05 PM, "***********@CashNetUsa.com" <**************@gmail.com> wrote: > > Hello *****, > > Company Name - PayPower > Account No: XXXX-XXXX-XXXX-XXXX > Transaction Fee: $180 > City : ******* > State: ** > Exp: 06/18 > Receiver Code: **** > Money Gram Contact number:XXX-XXX-XXXX > > **** ***** > Sr.Officer > ***** **** Application Support > Phone:(XXX)XXX-XXXX Then. Hello *****, Company Name - ******** Account No: XXXX-XXXX-XXXX-XXXX Transaction Fee: $180 City : ******* State: ** Exp: 06/18 Receiver Code: **** Money Gram Contact number: XXX-XXX-XXXX **** ***** Sr.Officer ***** **** Application Support Phone:(XXX)XXX-XXXX. I paid that transaction fee. Then. Hello, This is **** ****** from the financial Institution of U.S.A. Please find the attachment of your Loan Approval Letter. As soon as you receive this letter, just go through it carefully and give us a call and verify your information's from your end. Please don't forget to provide your Loan Reference Number. Your earliest reply will be highly appreciated. Thanks & Regards **** ****** Sr. Loan Officer CashNetUSA Application Support Phone:(XXX)XXX-XXXX To ensure delivery of important updates from CashNetUSA, please take a moment to add this email address to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! Terms and Conditions Apply. *Funds deposited via ACH for delivery next business day if approved and issued by 9pm CST Mon - Thu or by 7pm CST Sun. **Successful repayment of past loans may qualify you for higher loan amounts in the future. Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. A confirmation letter TPNXXXXX was attached approving a $5000 loan. Then I got a letter denying me the loan ************** Sent from my iPhone Final Business Response /* (4000, 9, 2014/11/06) */ Thank you for forwarding this customer's continued concern. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. After review of the emails submitted by Ms. ******, please be advised that these emails did not originate from CashNetUSA. Please be advised that we do not employ anyone by the name of **** ****** In addition the telephone number listed on the emails is not associated with CashNetUSA. The email address the emails are associated with did not originate from CashNetUSA. Please be advised that any number listed on correspondence can be verified and viewed on our website ww.cashnetusa.com. Our email address can also be verified on our website. We do not send emails to customers using any ***** account. We do not have a ***** **** Application Support team since we do not fund loans via MoneyGram. We understand that this may not be the answer Ms. ****** was hoping for however CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not fund loans via MoneyGram nor do we accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/4/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I put in an online application. Then I read their BBB report. They continued to call me even though I told them each time to not call me again. I don't have those calls documented, but I do have my call history from yesterday. They called me at 2:36pm. They called me at 3:37pm & I told them never to call again; he said "No problem" & hung up. I called them at 2:39pm to tell them to never call me again; he said "Ok" & hung up. I called again at 2:59pm, told them don't call again; he said "Ok" again & I yelled "NoNoNo! Not ok. I want this done immediately; he aid he had already added me to the DNC list. I called one last time & asked for a supervisor & was told he was a supervisor but would not give me his name; he said he would add me to the DNC list. I left it at that, but they called me again twice at 6:27pm. I have added their number to my blocked calls. I just hate to think that they treat consumers like this & hope they don't locate my alternate phone number.

Desired Settlement: I want to be removed permanently from their call list.

Business Response: Initial Business Response /* (1000, 8, 2014/10/24) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, CashNetUSA is not affiliated with the persons making the calls in this complaint. The behavior described leads us to believe that Ms. **** is being contacted by fraudsters falsely posing as us. CashNetUSA was able to locate the telephone number XXX-XXX-XXXX in our database. Our records do not indicate Ms. **** has applied for financial services with CashNetUSA. Because CashNetUSA has not been attempting to contact Ms. ****, CashNetUSA has no knowledge or control over the conduct detailed in Ms. ****'s complaint. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling Ms. ****'s. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

11/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: CashNetUSA **************************** *** West *******, Suite **** ******** ** XXXXX-XXXX I TOOK OUT A PAY DAY LOAN FOR WHICH INTEREST WAS PAID FOR OVER ONE (1) YEAR FROM ONLINE ADVANCE. THE ORIGINAL LOAN COMPANY, ONLINE ADVANCE CALLED AND OFFERED A SETTLEMENT TO PAY OFF THE PRINCIPAL BALANCE IN THREE (3) INSTALLMENTS OF $300 EACH. AN SUPPORTING EMAIL IS ATTACHED I AGREED TO THE TERMS AND PAID THE LOAN OFF AS AGREED BY EFT DEBITS FROM MY CHECKING ACCOUNT ENDING IN **** WITH THE ** STATE EMPLOYEES CREDIT UNION ********* I HAVE STATEMENTS SHOWING WHERE THESE AMOUNTS WERE PAID BY EFT. I GOT CONFIRMATION FROM CASH ON WEB THAT I HAVE NEVER DONE BUSINESS WITH THAT THE LOAN HAS BEEN PAID OFF. HOWEVER, AFTER MAKING THE 3 PAYMENTS AS AGREED, THERE WERE ATTEMPTS BY THE SAME COMPANY TO DRAFT ADDITIONAL SUMS FROM MY CHECKING ACCOUNT. THE ****** THEN ADVISED THAT I CLOSE THE CHECKING ACCOUNT AND REPLACE THE DEBIT CARD ASSOCIATED WITH THIS ACCOUNT AS THE ACCOUNT MAY HAVE BEEN BREACHED. I RECENTLY GOT A CALL THURSDAY 10/2/2014 AT 1:38 PM FROM A COMPANY CALLING ITSELF ARBITRATION SERVICES/COLLECTION THAT I WAS IN BREACH OF A CONTRACT AND COULD BE CHARGED WITH CHECK FRAUD AS I HAD FAILED TO AUTHORIZE PAYMENTS AS AGREED. THIS IS MORE THAN 3 YEARS AFTER THE FACT AND DATE OF THE LOAN!! I FEEL THAT I AM BEING HOUNDED BY A ROGUE COMPANY FOR MONIES THAT I DO NOT OWE AS I DO HAVE PROOF OF PAYMENTS ON STATEMENTS FROM MY BANK. I HAVE NEVER CONTRACTED OUT A LOAN WITH ANY PAY DAY ADVANCE COMPANY SINCE 2012 AND I WISH TO GET HELP WITH STOPPING THIS COMPANY FROM ISSUING THREATS ON WHAT THEY CALL AN OUTSTANDING LOAN. THANKS ****** M ******

Desired Settlement: CASHNET USA AND ITS REPRESENTATIVES MUST DESIST FROM CALLING ME AND THREATENING TO SEND A PROCESS SERVER TO MY ADDRESS OR ATTEMPTING TO COLLECT ON A LOAN THAT HAS SINCE BEEN PAID. THERE WAS AN ARBITRATION CLAUSE THAT WAS AGREED TO AT THE TIME OF SIGNING THE LOAN THAT HAS BEEN PAID OFF. I DO HAVE DOCUMENT TO SUPPORT THE PAYMENTS MADE. I SEE NO REASON/JUSTIFICATION FOR A COMPANY CALLED 'ARBITRATION SERVICES' TO BE CALLING ME WITH THREATENING TELEPHONE CALLS

Business Response: Initial Business Response /* (1000, 8, 2014/10/20) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. After carefully reviewing this complaint, we were able to locate a profile registered to ****** ******, however the only personal identifiable information listed on the profile referenced that matches the complainants information is the name. CashNetUSA is more than willing to address the concerns referenced in the complaint; however, more personal identifiable information is needed. We ask the complainant to please contact our Customer Service Department at XXX-XXX-XXXX to investigate his concerns. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/29/2014 Delivery Issues | Read Complaint Details
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Complaint: This company, Cashnet, has turned over a $200 collections figure to a collections company, ******* **** This collection is completely unsubstantiated.On Sept 10, 2014, Cashnet put $200 in collections in my name to a company called ******** ************* On my credit account, it says the amount was associated in my name on October 31, 2013. I have never heard of Cashnet and never done any sort of business with them. Further, I have never been sent any sort of correspondence or bill from this company. Trying to contact the company directly has resulted in nothing.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like this collections account closed so as to not negatively affect my credit score.

Business Response: Initial Business Response /* (1000, 5, 2014/10/29) */ BBB CASE#: XXXXXXXX Complaint filed by: Consumer Info NAME: ***** ****** DAY PHONE: XXX XXX-XXXX ADDRESS: **** NW *** Pl XXXXX-XXXX *********** ** EVE PHONE: - CELL PHONE: - EMAIL: ***********@gmail.com FAX: - (Less) Complaint filed against: Business Info NAME: CashNetUSA ACCREDITED BUSINESS: NO CONTACT: Ms. ****** ***** ADDRESS: *** W ******* Blvd STE **** Chicago, IL XXXXX-XXXX PHONE: XXX XXX-XXXX FAX: XXX XXX-XXXX Website: www.cashnetusa.com (Less) Complaint status: Activity Date Activity Description 10/29/2014 Inform Business of Case 10/29/2014 Send Acknowledgement to Consumer 10/29/2014 Case Reviewed by BBB 10/27/2014 Case Received by BBB (Less) Case Description: This company, Cashnet, has turned over a $200 collections figure to a collections company, ******* **** This collection is completely unsubstantiated.On Sept 10, 2014, Cashnet put $200 in collections in my name to a company called Enhanced Acquisitions. On my credit account, it says the amount was associated in my name on October 31, 2013. I have never heard of Cashnet and never done any sort of business with them. Further, I have never been sent any sort of correspondence or bill from this company. Trying to contact the company directly has resulted in nothing. (Less) Category: Contract Issues Case opened date: 10/29/2014 Case closed date: Desired Resolution: DesiredSettlementID: Other (requires explanation) I would like this collections account closed so as to not negatively affect my credit score. (Less) Response: Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ****** became a customer of CashNetUSA on October 31, 2011. On November 1, 2011, as per the customer request, a payday loan in the amount of $150.00 was funded to Ms. ******. The loan was due to pay in full on November 30, 2011 with a payment due of $170.00. Unfortunately the payment due was returned due to insufficient funds in the bank account on file resulting in an insufficient funds fee in the amount of $30.00. Based on the returned payment the total amount due for repayment became $200.00. Attempts to contact Ms. ****** in an attempt to collect on the debit were made by our Collections Department, however we were unsuccessful. On December 12, 2011 a notice of default was sent to the address on file via post, which matches the address listed in the BBB complaint. The letter detailed the amount due, accepted forms of repayment as well as the loan identification number. No response was received in regards to the letter. On February 23, 2012, after being in a delinquency status for over 120 days, the loan balance was transferred to **** ********** ********* or **** a third party debt buyer. Because CashNetUSA does not own the account, Ms. ****** must contact **** ********** ******** or ******** ************ for any questions regarding credit reporting. **** ********** ******** may be reached at XXX-XXX-XXXX. The contact information for ******** ************ should be available on Ms. ******' credit file. Our records do not indicate that CashNetUSA has been contacted in regards to this concern. If Ms. ****** believes that the account was sent up fraudulently, before we can address this issue a police report with her local authority would have to be filed and provided to CashNetUSA so we may start an investigation. We take allegations of ID theft very seriously and work hard to resolve any reported instances. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/27/2014 Delivery Issues | Read Complaint Details
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Complaint: I applied for a personal loan through Cash Net USA at the end of September. I was not approved for the loan, but was told upon denial of the loan that I now owed them a $95 processing fee. I realized at that time that this was a scam and refused to pay them. However, on September 29, I recieved an email from the "company's" attorney threatening legal action if I do not pay $594 up to $6,000. The email states that funds were transferred into my bank account, however, no funds were transferred, and no loan was given. I am including the email that was sent and implore you to look into this matter immediately. Thank you so much for your assistance in this matter.****** attorney ******************@gmail.com Sep 29 (8 days ago)Hello ************ is just to inform you that Federal Legislation is pressing charges against you for three serious allegations1)Violation of federal banking regulations.2)Collateral cheque fraud3)Theft by deception.The affidavit states that you went online utilizing your email id which was track down by cyber crime department, in order to solicit funds from a website which is owned and operated by CASH NET USA who owns and operates more than 350 websites,web portals and sub lenders working for them. The funds were successfully transferred into your checking account utilizing an interstate EFT that stands for Electronic funds transfer. When my client attempted to extract the funds from your account, six efts were returned constituting worthless electronic cheque. This means you have attempted to abscond, and your credentials are doubtful.As of today rather than chasing you for money Cash NET USA has simply decided to write this money as loss and declared to be stolen by you and wants to press legal charges on you and on your Social security number.Your Social security number is under state investigation and this charges will be notified to 3 credit bureaus that means you will not get qualified for getting no loans in theProduct_Or_Service: applied for a loan, was denied

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: Other (requires explanation)I do not want any of this showing up on my credit report and I do not want to be harrassed by a company who is earning money through scamming consumers. I did not borrow money from this company and I am now being threatened with undue legal action.

Business Response: Initial Business Response /* (1000, 5, 2014/10/14) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are making these collection calls and who sent the emails to the complainant. These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. CashNetUSA does not provide financial services to residents of ************* CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted the complainant and who are falsely posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/20/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I borrowed $1,000 and 19 days later, I was given the payoff amount and paid on 1-6-14, a total of $1026.53. However, shortly after that date, I have been harassed repeatedly via cell phone, email and even calls to my Supervisor to pay an additional $441.22. I REITERATED over and over that I have paid that $1,000 debt in full 19 days after I borrowed the loan yet the calls still continue along with other calls offering me additional loans on a daily basis. They are now quoting misrepresentations about the facts as a way to try to make me pay additional monies and I want this blatant harassment to stop ASAP.

Desired Settlement: STOP calling me, STOP emailing me, STOP harassing me for more money and STOP harassing me to borrow more money!

Business Response: Initial Business Response /* (1000, 5, 2014/09/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We apologize for any confusion in regards to the current account status. First, we would like to advise that we have honored Ms. ******'s request to cease and desist contact via phone and email. Any additional contact initiated by CashNetUSA will be via physical letters to inform of the remaining debt. Also as per Ms. ******'s request the contact preferences on file have been updated to indicate her preference to not receive marketing correspondence. Our records indicate that Ms. ****** opened a $1,000.00 Line of Credit with CashNetUSA on December 17, 2013. When signing the Line of Credit agreement the customer confirms that they understand and agree to the terms and conditions associated with the Line of Credit. The interest and fees associated with the line of credit were disclosed prior to the execution of the contract and are clear on the contract as well. On December 18, 2013, per the customer's request, we funded a $1,000.00 advance. The interest and fees applicable to the line of credit were clearly set forth in the agreement. Pursuant to the agreement, CashNetUSA charges interest each day on the principal that is scheduled to be outstanding. Interest will begin to be charged on each cash advance on the day it is transferred to your bank. Interest stops accruing on principal amounts as they become due. We do not charge interest on fees or accrued interest. The daily periodic rate applied to her account is 0.XXXXX%. The corresponding Annual Percentage Rate is 299.00%. As set forth in the Line of Credit Agreement, there is a transaction fee for every advance requested; the transaction fee is 15% of the total amount borrowed. For an advance of $1,000.00 the transaction fee would therefore be $150.00. On December 22, 2013 a billing statement became available. The statement advised Ms. ****** that on January 6, 2014 the minimum payment due would be $315.77. During the application process Ms. ****** selected ACH as the default payment method therefore unless contacted prior to January 6, 2014 the amount of $315.77 would be debited automatically. The debit occurred as scheduled. Ms. ****** also was advised on the payment being debited on January 5, 2014 when we responded to an email requesting a due date adjustment which we were unable to honor. On January 6, 2014 Ms. ****** contacted our Customer Service Department to pay the balance in full. Due to the payment of $315.77 already being processed, Ms. ****** was correctly advised that the amount due on the account was $1,026.53. The payment was successful. Unfortunately our records indicate that Ms. ****** advised her bank that the ACH payment of $315.77 made on January 6, 2014 was unauthorized therefore the payment returned creating a balance on the account. The balance due on the account is correct and we apologize for any confusion. Due to the status on the account in order to resolve the balance Ms. ****** may contact our Collections Department to setup arrangements. Our Collections Department can be reached at XXX-XXX-XXXX. If acceptable We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/09/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) This information is NOT accurate. Upon speaking to the staff person, I was advised of the payoff amount that did not entail any additional information as stated. I refuse to understand how a 19 day $1,000 loan can balloon in 19 days to over $1400. If the representative gave an incorrect payoff amount, that is NOT the fault of the customer. I have paid off this loan and am still receiving emails and harassing phone calls as of today, 8 September 2014. Final Business Response /* (4000, 11, 2014/10/03) */ Thank you for forwarding this customer's continued concern. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We apologize for any inconvenience caused, however our records indicate that we have not attempted to contact Ms. ****** via phone on either number submitted since the request to Cease and Desist was honored. Our records indicate that the last call to home phone number was on August 27, 2014, the last call to the work number shows a date of August 13, 2014. Our email log shows that the last email was sent on August 28, 2014. If Ms. ****** can provide an exact time and the phone number listed with the calls we would be happy to further research the calls. Our records indicate that Ms. ****** opened a $1,000.00 Line of Credit with CashNetUSA on December 17, 2013. When signing the Line of Credit agreement the customer confirms that they understand and agree to the terms and conditions associated with the Line of Credit. The interest and fees associated with the line of credit were disclosed prior to the execution of the contract and are clear on the contract as well. As a part of the application process Ms. ****** was also required to confirm the email address on file to ensure that we have the correct email address. The email address was confirmed on December 17, 2013 On December 18, 2013, per the customer's request, we funded a $1,000.00 advance. As an online lender, CashNetUSA provides many updates regarding the status of an account via email. On December 23, 2013 an email was sent to the email address on file and advised Ms. ****** that a billing statement was available. An additional email regarding the availability of a billing statement was sent on January 4, 2014. Ms. ****** can review all billing statements by logging into her account at www.cashnetusa.com. The billing statement which became available to review on December 23, 2014, statement number XXXXXXX, stated that the minimum amount due on January 6, 2014 was $315.77; this amount was scheduled to be automatically debited from the bank account on file. On January 5, 2014 the customer was also advised on the payment of $315.77 being debited on January 6, 2014, via an email correspondence in response to her request for a due date adjustment sent on January 4, 2014. This payment was debited appropriately. When Ms. ****** contacted CashNetUSA on January 6, 2014 this amount was not included in the amount to pay the account in full because the payment was already submitted to the bank account on file. We apologize for any confusion regarding the Line of Credit however the fees and interest associated with the Line of Credit are available for review prior to completing the loan agreement, and signing the loan agreement is a confirmation that the terms were understood. The billing statement which became available to review on January 4, 2014, statement number XXXXXXX, the amount to pay the balance in full reflected as $1,340.78. Therefor prior to making the payment on January 6, 2014 the customer was able to view the account balance. Unfortunately our records indicate that Ms. ****** advised her bank that the ACH payment of $315.77 made on January 6, 2014 was unauthorized therefore the payment returned creating a balance on the account. The amount Ms. ****** was advised as the balance due on the account on January 6, 2014 was correct and we apologize for any confusion. Since the account is assessed interest based upon the outstanding balance, the account balance now reflects an amount due of $441.22. We are happy to assist the customer by waiving any additional interest assessed and allowing repayment of the $315.77 payment which was returned. We are also happy to establish a repayment plan based on what she can afford to repay. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Final Consumer Response /* (4200, 13, 2014/10/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was quoted a final amount to pay and I did, the dialog provided is not an accurate statement. I paid back the loan in 19 days as agreed with the terms accepted for payment at the time of my final call.

10/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I sent a certified letter to Cash Net USA on 7/22/14, with no response. Back in Sept/Oct 2013 Cash Net USA received a proposal from my financial counseling agency, but they did not respond to this proposal. When asked why, they indicated that they needed a signed power of attorney letter before they would speak with my financial counseling agency. Cash Net USA accepted payments from this agency for several months, so I asked for a further explanation. I also asked for complete accounting of this alleged debt. They did not respond. They continue to contact my place of employment. All further communication will need to be in written form.

Desired Settlement: Cash Net USA needs to respond to the proposal from my financial counseling agency. I'm not sure how they could have accepted payments from this agency if they required a signed power of attorney letter? They need to stop calling me at my place of employment. Communication will be in written form only.

Business Response: Initial Business Response /* (1000, 5, 2014/09/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Please be advised that we honored Ms. ********'s request to Cease and Desist on July 29, 2014 when we received her request via postal service. However due to human error, a change was made on September 12, 2014 which allowed calls to be made. This was corrected on September 22, 2013. We apologize for any inconvenience that this may have caused. In addition to comply with the request to validate the debt, a copy of the contract was sent via postal service on July 29, 2014. The contract details the amount of the loan borrowed, the total cost of the loan, as well as the amortization schedule contractually agreed to by Ms. ********. To best assist Ms. ******** an additional copy has been sent to the address on file. Included with the contract, there is a statement of account which details the payment history. Our records indicate that Ms. ******** has been a valued customer of CashNetUSA since October 2, 2012. On May 6, 2013 we issued an Installment Loan in the amount of $1,500.00 as per the customer's request. As per our records payments were successfully made as per the contractual amortization schedule until the payment scheduled for August 23, 2013. On September 11, 2013 CashNetUSA received an email stating that the customer would be engaging the assistance of a credit counseling company. The account status was updated to reflect credit counseling at that time, this updated included a cessation of normal collections activities. On September 20, 2013 CashNetUSA received a proposal from a credit counseling agency which included a proposal of $30.00 per month towards the customer's debt. This proposal also included a release, signed by Ms. ********, for CashNetUSA to discuss the account with the agency. We accepted the proposal offered. Once a credit counseling company is engaged we communicate directly with the company to work together to resolve the debt. We received five payments from the credit counseling company spanning from October 1, 2013 until January 31, 2014. No further payment was made towards the account. On February 3, 2014 and March 7, 2014, CashNetUSA sent follow up emails to the credit counseling company to determine the status of the customer's repayment program. On May 9, 2014 and July 1, 2014, due to nonpayment as per the proposal, CashNetUSA requested an increase in the monthly payment to $125.00. On July 9, 2014 we received notification for the credit counseling company that Ms. ******** was no longer in credit counseling with their company. The status on the account was therefore updated appropriately to reflect this. The update from credit counseling initiated normal collections activity. On July 16, 2014, in response to the customer's inquiry regarding the status of their account and the credit counseling program, CashNetUSA sent an email and advised the customer that we received notification that they were no longer in credit counseling with the company. In order to further assist the customer we recommend that Ms. ******** contact the credit counseling agency and request that they submit an updated form expressing that they are still working with the customer in an effort to repay the debt. Unfortunately until this is received we are unable to honor the original request sent on September 20, 2013 since we received the notification that Ms. ******** was no longer with the credit counseling company, as well as lack of adherence to the accepted proposal. Once we receive a new power of attorney and proposal, we are happy to work with the customer in order to resolve her debt. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/09/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have contacted my financial counseling agency to determine the accurateness of this information. I was notified that CashNetUSA did not acknowledge or respond to the proposal that was initially given to them in September 2013. It will take a few days to get these details in order. I'm confident that my financial counseling agency would have contacted me regarding negotiations with CashNetUSA. They have successfully negotiated payment arrangements with all of my other creditors and have kept me actively involved with this process. While I'm awaiting a response from the agency, I would like to know why CashNetUSA needs a signed power of attorney letter? None of my other creditors have requested this. This is not an ethical business practice. Final Consumer Response /* (3000, 10, 2014/09/29) */ I have an email confirmation from my financial counseling agency on 9/27/14 that CashNetUSA never responded to the payment proposal that was sent to them in September 2013. My financial counseling agency has had NO communications with CashNetUSA. I am requesting further proof, as it appears they are not being truthful. Final Business Response /* (4000, 23, 2014/10/14) */ Thank you for advising us of the customer's continued concern. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We are happy to provide Ms. ******** with a copy of the original proposal which was received in September of 2013. Please be advised that a copy of the proposal was sent via postal mail on October 8, 2014 to the address which CashNetUSA has on file for Ms. ********. As indicated we will be happy to assist Ms. ******** with reestablishing her credit counseling status once the requested documentation is provided to our Credit Counseling Department. Once the information is submitted Ms. ******** is free to contact our Credit Counseling Department to determine the status of her account. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have repeatedly been unable to view my account online(twice have had to reset my password, to the same password.). I got no satisfaction from Telephone call.

Desired Settlement: A complete accounting is in order.

Business Response: Initial Business Response /* (1000, 5, 2014/08/29) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. We are sorry to hear that Ms. ***** had trouble accessing her account at www.cashnetusa.com. Please be advised for the security of the customer's account we do not keep record of a customer's password. When a customer advises us about trouble accessing the website, our representatives are trained to troubleshoot the issue which may include a password reset. Our records indicate that there was one password reset processed by our Customer Service Department. Our records indicate that the password reset was successful. We apologize if any inconvenience was caused. If Ms. ***** has any questions regarding her account she may contact our Customer Service Department at ************ and we will be happy to address her specific questions regarding her Line of Credit. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/09/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are still not posting a complete accounting of total payments made and payoff amount! Final Consumer Response /* (4200, 11, 2014/09/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I just spent a lot of time explaining my case and was suddenly cut off. Did you get my explanation? Final Business Response /* (4000, 15, 2014/10/15) */ Thank you for forwarding this customer's continued concern. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Unfortunately we are unclear as to the specific continued concern indicated in the last message. However to ensure a complete understanding of Ms. *****'s account and payment history, a breakdown of each payment made and how it has been applied to her account balance has been sent via post to the address listed on this BBB complaint. In addition a copy of the Line of Credit contract accompanies the statement of account for Ms. *****'s review. If Ms. ***** has any questions regarding her account she may contact our Customer Service Department at ************ and we will be happy to address her specific questions regarding her Line of Credit. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I applied for a personal loan in the amount 4,000 dollars from cashnet USA and I was told that I was approved for the loan and all I had to do is pay $81.00 to process my paperwork and I would get my loan deposited into my account within an hour but I was having a problem with my bank and we decide to try and have the mone deposited into my girlfriends account but they gave me an excuse as to why they couldn't do it, and understand when it didn't work with my bank the whole transaction was quote un quote cancelled and I was told I would receive my money back in a couple of days by ****** so the to deposit the money into my girlfriends account I had to pay another $81.00 when that didn't happen that brings the total amount of money I payed out to $162.00 which now they are telling me I have to wait twenty one days to get back or go out and purchase two ********* money pak voucher give them the the number and I can get the money back immediately and I called where cvs pharmacy because that's where you purchase the ********* money pack cards

Desired Settlement: I really believe I deserve three hundred dollars on top of the $186.00 I payed to them for the pain and suffering,aggravation And disrespect I've been shown ,I used money for my six year old sons medicine in good faith of what I was being told by cashnet USA but all they they did was give me the run around about my refund , hang up on me and cause me a lot of aggravation and now I have to resort to tryna borrow money from my friends and family and now I don't have the money to pay for my sons medicine!

Business Response: Initial Business Response /* (1000, 5, 2014/09/30) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Mr. *****. However please be advised that Mr. ***** is currently ineligible to apply for a loan. Please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of ********. In addition we do not provide loan products in the amount quoted in the complaint. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. If you made the payment via your bank account Mr. ***** should immediately notify his bank or card company. Many banks have fraud protection plans that might be able to help you. If the payment was made using a prepaid card, please be advised that some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept ******** prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because how can someone else the same name as your company and you know nothing about it or even better you do nothing about it,I'm sick and tired of people playing with me like I am a child misplacing blame that has fallin directly in their own laps, so in conclusion I don't believe anything I just read from cashnet USA in this complaint and bottom line I want my money back..........NOW!!!!!!!

10/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Company rep called and said he was calling about a loan app that I had filled out. I hung up on him. I called the number backXXXXXXXXXX and spoke with a ******* ***** said he was from Cash Net of ******** I complained to him and then we were disconnected. This was on Oct.2, 2014@10:52 am Apparently, his company is using deceit to try to get people to deal with them and I think it is a scam.

Desired Settlement: I want my number removed from their data bank and I want to know where they received my number, along with a letter of apology in case this comes up again.

Business Response: Initial Business Response /* (1000, 5, 2014/10/03) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms ******. In order to initiate any contact with a consumer a profile must be on file. Unfortunately without the telephone number impacted we are unable to determine if the phone number is associated with any account which would initiate a legitimate contact from CashNetUSA. However, please be advised that based on the phone number listed in the complaint CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised when a call is generated from our call center the toll free phone number which will display would coincide with the telephone numbers listed on our website. When a call to the telephone number listed was made, it was discovered that the number is no longer in service. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/10/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I recived a loan of $850 dollars from Cashnet without applying for it,was not aware that the amount depoisted was from cashnet when funds were used or they would not have been used. When I call cashnet to ask questions they have no account based on my general information or my wifes. Refuse to handle anything without my social which I refuse to give them. They have access to my bank account and have pulled out payments on this loan and caused issue within such as me not to be able to acess funds due to the fradulent behavior on the account. Having to close account and not be able to pay other bills on time due to be locked out of accounts. My bank **** ******* has stated that they have a lot of issues with CashNetUSA as well as my shipmates on my ship.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would just like for this all to be dropped and not be responsibile on payment on a loan that I did not take out and can not have connected to me when I speak to the people over the phone with my general information or my wifes. This has caused enough issues in the last month and a half I am ready for it to be settled and not have to worry about them taking funds from my account as well as having to close out accounts again and have to file claims and such to get my funds back.

Business Response: Initial Business Response /* (1000, 9, 2014/09/27) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. After carefully reviewing the complaint, CashNetUSA was not able to locate an account for Mr. ******. As such, CashNetUSA does not have enough information to investigate his concerns referenced in his complaint. As such, in order to identify an account, personal identifiable information is needed. On September 18, 2014, CashNetUSA spoke with Mr. ****** in regards to his complaint and requested that he submit a copy of his bank statement so that we may investigate his concerns. Unfortunately, we have not yet received the requested documentation. CashNetUSA is willing to address Mr. ******'s concerns, therefore we again ask Mr. ****** to please submit a copy of his bank statement outlining the debit, so that we may investigate. We ask that he please submit his bank statement via fax or email to our compliance department to: Fax: XXX-XXX-XXXX Email: ******@enova.com We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/6/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: they told me to get $150.00 prepaid card,then get$250 prepaid card. then $350 which i could not get.i refused and ask for my money back.they kept sending me to get more and more. they will not return my money. there was never approved contract. they never told me the cancellation policy.

Desired Settlement: my refund. they cashed my debit cards!

Business Response: Initial Business Response /* (1000, 8, 2014/09/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This is fraud and CashNetUSA is not responsible for or participating in the complained conduct. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Mr. ******** applied for financial services through a third party marketer, but has not received a loan. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling Mr. ********. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

10/3/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: They called me and told me I could get $1,000.00 loan for $110 month for 10 months then they said 150.00 so I got 3 green dot money pak cards to talking $300.00 and they told me I need 220.00 more for insurance to get the loan. When I complained and said I wanted my money back they told me no so I'm out $300.00.

Desired Settlement: I just want my money back it was my rent & utility money.

Business Response: Initial Business Response /* (1000, 10, 2014/09/19) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms *****. Please be advised that without an account we are unable to initiate contact with a consumer. In regards to Ms. ******* claim, please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/22/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: ******* wants me to go and get another card with correct amount because computor glitch is unable to process loan. (I did not deposit the exact cent amount). I originally purchased one card for $100 and said that it would be fine and loan would work. Then I was told that the 10% had to be purchase inorder for the loan to go thru. I purchase another ******** card for $244.90 and waited for processing. No proccessing of loan because the card should have had $244.19 and computor cannot process loan because incorrect amount on card. I asked for my $ back but said that I would be charged a penalty and when I went to get the money off of my card it had already been downloaded. They said that it was now going towards my loan. (No loan and no money). I am really stupid to have fallen for this. It is the last of my money and not sure how I am going to get to work tomorrow. Their solution was to get another card with the exact amount of $244.19 and then all would be good. They have all of my money. They said that their was nothing that they could do about it not even refund me without penalty of $190.00. I am desparate unable to pay rent etc.

Desired Settlement: I would like the loan that was requested. I already borrowed this money for the 10% they requested. The kicker is that they said their purpose was to help people build their credit. I am so stupid. The terms seemed reasonable etc. I am so disraught I fell down and almost hitting my head. I keep getting the run around. I feel I have done my part and they are not honoring theirs. A full refund plus loan amount is what I would like. I am 60 years old and really should know better than to fall for a gimmick like this.

Business Response: Initial Business Response /* (1000, 5, 2014/09/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Ms. *********, however we are unable to offer her loan services at this time. A representative in our Application Support department advised her of her ineligibility and an email confirmation was sent on September 3, 2014. In regards to Ms. *********'s claim, the consumer referenced *******, which is not affiliated with our company in any way. Please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept ******** prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Final Business Response /* (4000, 8, 2014/09/10) */

9/22/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a payday loan and a guy named ***** ***** told me I had to send him a first payment of $200 on a ******** card that I had purchased and to call them and give them the number I did and with in a hour they where to wire $5000.00 into my account after a hour he called and said I had to send another $300.00 for last months payment and I did he guaranteed me I would have the money in my account that day he did not wire my money and told me I had to send more money which I did not do I told him I wanted a refund and wanted my $500.00 back and he told me it was non refundable said he tried to put it in my account and if I went and western union $350 they would wire it to western union now they refuse to give me my $500.00 back after I told them I would turn them in he said go ahead they are a well known company he said I would like to know how to get my money back the number is ************** they are now harnessing me at work and my cell phone Product_Or_Service: Payday loan

Desired Settlement: DesiredSettlementID: Other (requires explanation) Want my $500.00 returned

Business Response: Initial Business Response /* (1000, 8, 2014/09/08) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Mr. ****. However please be advised that we are currently unable to offer loan services to Mr. **** at this time. An email regarding his declined status was sent to the email address on file on August 1, 2014. Also please be advised that in the state of ***** we are unable to offer a loan product in the amount of $5,000.00. In regards to Mr. ****'s claim, please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept ******** prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On august 14th I called in to pay off my loan which I did so in full. I did not discuss applying for another payday loan, just wanted to pay off my whole loan amount which I did. On August 17th I get an email saying that they ran my credit for another line of credit, which I did not ask for.

Desired Settlement: Just want it off my credit file.

Business Response: Initial Business Response /* (1000, 8, 2014/09/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. As an initial matter, CashNetUSA does not provide payday loans to residents of ********* CashNetUSA offers a open end line of credit. On April 16, 2012, Mr. ***** opened a $850.00 Line of Credit with CashNetUSA. Mr. ***** signed his line of credit agreement stating that he agreed to the terms and conditions associated with the line of credit. Over the course of Mr. *****'s relationship with CashNetUSA, he has taken several advances and made payments, either minimum payments or payments in full, on his account. Currently Mr. ***** does not have an account balance with CashNetUSA. Due to an inadvertent error, Mr. ***** received an email stating that his line of credit account was closed. However, Mr. ***** still has an active line of credit with CashNetUSA. Please note, CashNetUSA does not report to the three major credit bureaus: *********** ******** and ******** We apologize for the confusion this matter may have caused Mr. *****. We hope this resolves the complaint and answers any questions that your office may have. If we can provide any additional information, please contact us.

9/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They call me everyday 5 days a week trying to collect money from me and everyday I have the same conversation with them. I have asked them to stop calling me everyday. I understand they are trying to collect a debt but I give them the same explanation everyday. My situation is not going to change over night but I will get resolved as soon as I get my bankruptcy papers turned in which I have explained to them too.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want them to stop calling me everyday. I have asked them several times to stop calling me. I think that everyday is a little excessive. I am not ignoring them but tired of the same conversation everyday.

Business Response: Initial Business Response /* (1000, 5, 2014/09/03) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Ms. ***** has been a valued customer of CashNetUSA since August 4, 2006. On May 6, 2014 we issued an installment loan in the amount of $3,400.00. The installment loan allows a customer to repay the loan in equal scheduled payments. Our records indicate that a payment of $271.38 was due on August 5, 2014. Unfortunately the payment was stopped by the customer; this action triggered the Collection process. On August 8, 2014, Ms. ***** contacted our Customer Service Department to advise CashNetUSA of her intent to file bankruptcy. As a confirmation of the conversation an email was sent which advised that until bankruptcy was filed and we were able to confirm the status of her bankruptcy, regular collection activities would continue. Once bankruptcy was filed and status confirmed, all collection activity would cease. On August 9, 2014 our Collection process began, since Ms. ***** had not yet filed bankruptcy and was unable to provide an attorney name she was advised that Collection activity would continue. We sincerely apologize for any inconvenience in regards to the frequency of the calls received, however we are unable to update the account status to prevent Collections activity until an attorney is retained or a case has been filed. On August 26, 2014 Ms. ***** advised a member of our leadership team of the law firm she will be filing with and provided contact information, stating that the filing was not complete and she does not yet have a case number. Ms. ***** was advised on the process to request a cease and desist however as a courtesy the numbers on file have been updated to prevent calls, however attempts to collect on the debt will continue until the bankruptcy is confirmed. We apologize for any inconvenience caused. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us

9/15/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I started this trouble at the beginning of august they keep asking for more money and I do not have any nor can I borrow it and my rent is due and my bills need to be paid my bank account is overdrawn because of their broken promises and I am hungry I need my money to buy food pay bills

Desired Settlement: I just want my money returned to me the sum of $4,500.00

Business Response: Initial Business Response /* (1000, 5, 2014/09/02) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Mr. *******, however we are unable to offer him loan services at this time. An email regarding his ineligibility was sent to the email address on file on August 26, 2014. In regards to Mr. ******* claim, please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/15/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Company was supposed to provide me with a loan of $3000 after I provided the company with all of my information including credit score and banking information and proof of active bank account. Company said I ended to get a green dot card and have $50 on it to prove that there was and active account but claimed they would not take the $50. They took the money and did not give me a loan stating I had to give them an additional $110 after stating no funds would be taken from anywhere.

Desired Settlement: I just want the $50 that was taken from me returned and to have this scamming business shut down.

Business Response: Initial Business Response /* (1000, 5, 2014/09/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Mr. ****. Please be advised that without an account we are unable to initiate contact with a consumer. In addition in the state of ************ we are unable to offer a loan product in the amount of $3,000.00. In regards to Mr. ****'s claim, please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Please be advised that if payment was made via prepaid debit card, some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/9/2014 Delivery Issues | Read Complaint Details
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Complaint: This guy named **** contacted me and said that I got approved for a loan of $5,000 but I only need $2,000. He said I would have to get a vanilla reload card and a deposit of $142 down that would go towards the payment when paying the $2,000 back. I bought the card from *** then he say I need to pay $200 more for something to do with my account. I get another card and pay then he tells me I need to pay $200 and I didn't and I asked for my money back he said I couldn't because he apparently tried to put the money in the account three times and each time the account keep freezing. I never heard of that he didn't try and he sold my money. I spoke with his supervisor ***** ***** and told him I would come up with the $200 but I only said that so to buy sometime to try to get my money back. The number that called me form is XXX-XXX-XXXX Account_Number: No contract

Desired Settlement: DesiredSettlementID: Other (requires explanation) Refund money and the company are thieves. How can you treat anyone as myself trying to get a loan?

Business Response: Initial Business Response /* (1000, 5, 2014/08/29) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. The telephone number XXX-XXX-XXXX does not belong to and is not used by CashNetUSA. Further, CashNetUSA does not provide financial services to residents of North ********. Based on the details of the complaint, it is clear that Ms. ******* has been contacted by fraudsters who are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling Ms. *******. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/8/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Guarantee approval if you send them money. THey claim they will send you money and send back to them as good faith. THey force me to get a ********* card and put the money in the card and call them with the info. Knowing it was too late that the deposit was never done it was my money that it was use. When I call them back he still claim he did and asking for more money cause of goverment ****. sorry. There phone number isP-XXX-XXX-XXXX spoke to a **** and ****. THey should not be in doing anytime type of business. Product_Or_Service: ***** *** card

Desired Settlement: DesiredSettlementID: Refund $190 but mostly reporting to BBB.

Business Response: Initial Business Response /* (1000, 5, 2014/08/27) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Mr. *****. In order to initiate any contact with a consumer a profile must be on file. Please be advised that CashNetUSA also does not currently provide loan services for consumers who are residents of the state of *** ******* CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept ******** prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/5/2014 Problems with Product/Service | Read Complaint Details
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Complaint: On 08-30-2014 ***** ******** of CashNet USA called me from the phone (XXX) XXX-XXXX and offered the loan in the amount $10,000.00. First, I was asked to pay processing fee $498.80 with the green dot MoneyPAak prepaid card. Upon that he said my credit score was not very good and I need to buy groon dot Money Pack and pay $498.80. When I did it again he said that this time I should put $498.18 not $498.80 so I have to buy another green dot ******** in the exact amount $498.18 and he will issue the promissed loan in the amount $10,000.00 plus almost $1,500.00 I spend on the green dot ******** prepaid cards. He became very aggrivated and started to yeal at me but upon receiving the third payment he said the money will be in my US Bank account at 10AM the next day on 08-31-2014. When I called the next day he said the money are processed but I did not received them. I asked him to read for me what account number he send the money to and turned out he had the wrong account number so he yealed at me and said I didn't give hime the correct account number and because I made mistake I need to send him another $498.80 to reprocess. This time I refused and become more angry and strted to advise me to get the additional $498.80 by getting the funds from car title. I firmly refused to send him any more money and asked him to refund all the funds he received from me. He said this is never going to happen and the only way I can recover all of my money is to pay him $498.80 so he can reprocess the transfer of the loan and my money to my correct account. I refused and he hanged up the phone on me. I called 2 more times and he wasn't nice to me any more, and insisted I need to send hime more money and to not call him any more unless I will get the money and send them to him. I think I sent him enough money and I was not going to risk any more.

Desired Settlement: I am requesting full refunds of the amount $1,500.00, I risked in order to get the loan I never received. CashNetUSA can give me the loan but thay not going to receive any more money from me.

Business Response: Initial Business Response /* (1000, 5, 2014/09/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This is Fraud. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Our records do not indicate that Ms. ******** has been a customer of CashNetUSA. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling Ms. ********. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/09/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) "CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling Ms. ********." I agree that such falsely posing occurred and that's why I included the name of the person whom I was conducting this horrible deal, and I added the phone number which appeared on my caller ID and rang to me all day to demand more and more "processing fees" from me. Also, I called that number to communicate with ***** ******** and he was very responsive until money was coming. I still have the green dot MoneyPak cards and the receipts to prove the cards were loaded and processed, and from which stores. I believe it must be some way of tracing them and finding out who received the funds loaded by me to these three green dot MoneyPack cards. When I firmly refused to continue sending the money, ***** ******** called me again and again with the request to send him at least portion of the "required" processing fee so he can finally release the loan he promised me. Each time ***** ******** requested the loan he assured me that CashNetUSA is a member of BBB and when I said I will report the Company he claimed he represents his response was: "Go ahead; we are not afraid of your reports"

9/2/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: A few months back I found CashNetUSA online and was looking to take a loan out. I decided to call the company before I finalized my loan. I was told there was a one time 15% intrest rate on the loan by a phone rep. a short time later i noticed the amounts owed back didn't match so i called, then they told me there was a daily intrest on top of the 15%, needless to say i felt lied to on the first call. then i noticed it was taken them a week to process my payments to my account when i would check my online statement, so i called again because they were charging my intrest on a higher amount that was not correct due to the fact they were waiting so long to prosses my payments. after i pointed this out to them they decided to deny me access to my online statement and refused to give it back. how can i assess my account if i cant see it, i feel that they just pulled my access because i was right they were charging intrest on my that i had already paid back. to me that's just stealing.

Desired Settlement: i would like to just pay back the loan that i was given at first of 15% intrest rate. also i would like a regular statement of this so i can track it daily to make sure they are not stealing again. Or if they would like to erease the balance of my account due to the fact that i cought them stealing and now have no access to my account online.

Business Response: Initial Business Response /* (1000, 5, 2014/08/21) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Mr. ****** opened a Line of Credit with CashNetUSA on April 8, 2014 with a credit limit of $1,150.00. Mr. ****** signed his Line of Credit agreement stating that he understood and agreed to the terms and conditions associated with the Line of Credit. On April 9, 2014, as per Mr. ******'s request he was funded an advance of $200.00. As set forth in Mr. ******'s Line of Credit agreement, which was attached to the loan approval email, the Line of Credit carries an APR of 299% or a daily periodic rate of 0.81918%. Once a billing period ends, interest stops accruing on the principal loan amount due. We do not charge interest on fees or accrued interest. There is a transaction fee imposed for every advance requested. The transaction fee is 15% of the amount borrowed. Additionally, interest will be charged on the scheduled principal balance that is outstanding each day. He will be required to make minimum payments every billing period he carries a balance. The minimum amount due on each due date will be 15% of the outstanding principal balance and any fees, plus all interest, or $100, whichever is greater. Additionally, Interest will be charged on the scheduled principal balance that is outstanding each day. On April 8, 2014, Mr. ****** spoke with a representative in our Application Support Department in regards to the Line of Credit. After review of the call, the representative advised Mr. ****** of both the transaction fee and the APR of 299%. On April 26, 2014 Mr. ****** contacted Customer Service in regards to the interest for his Line of Credit. An email was sent to Mr. ****** advising him that interest is not billed daily, it is calculated at the end of each billing cycle and the amount due will reflect on the billing statement provided for Mr. ****** to view each billing period. In addition if the account is paid off prior to the end of the billing period, then interest is not assessed. After review of the account our records indicate that Mr. ****** was made aware of the rates and terms of the Line of Credit and by completing the loan agreement indicated understanding of the Line of Credit. We are unable to provide the Line of Credit at a rate which differs from the contractual agreement. In regards to the payments, our records indicate that Mr. ****** is paid weekly; as a weekly paid customer his repayment is scheduled on a biweekly basis. Each billing cycle an email is sent to advise him that a statement is available to view which indicates the amount due and the date of the debit. After review of the payment history payments are being made in advance of the statement due date online by the customer or scheduled with our Customer Service Department. The payments are being processed according to the customer's requests. If the customer has any questions in regards to the payments being made her may contact our Collections Department for a breakdown of payments and the amount due. In addition if he is having trouble accessing the website we will be happy to assist him at that time as well to ensure he can view his statements. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

9/1/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: They kept calling me all day with different phone numbers but same voice. Since I have been off of work today from 1:30 on they keep calling me. Towards the afternoon I told them more then once never to call again and they kept say on one of the times they called me "**** you" repeatedly asking about depression while pregnant, loans, and claimed that I won prizes off of green dot.com which I never heard of. List of numbersXXX-XXX-XXXXXXX-XXX-XXXXXXX-XXX-XXXXXXX-XXX-XXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I don't want to be bothered by them again. I do not want anything else

Business Response: Initial Business Response /* (1000, 5, 2014/08/18) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms. ******. If there is no profile on file we are unable to initiate contact with the customer. CashNetUSA is not associated with the callers referenced in Ms. ******'s complaint. The complaint does not mention a specific reason for the call however please be advised that if the calls are collection attempts, these collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted the complainant and who are falsely posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. If the calls are being made in an attempt to coerce the customer to apply for a loan, please be advised that CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/28/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Phone calls from XXX-XXX-XXXX have been appearing on our caller ID 2-3 times per day. I typically ignore any 800 calls. No messages were left on previous calls. Then I get a message from CashNet USA claiming if we didn't call by 11pm that day there would be further time sensitive implications. We have never used a pay day loan company and have never dealt with CashNet USA. I called number back and was asked for account number which I said I didn't have and gave my phone number. I was verbally told to ignore calls but never given explanation as to why I received one in first place especially with threat associated with message. The caller would only provide me last name.

Desired Settlement: Cease and Desist from any future phone calls from CashNet USA.

Business Response: Initial Business Response /* (1000, 5, 2014/08/27) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Mr. *****, however we were able to locate an account with the address listed on the complaint. We are happy to honor a request to cease and desist contact; however the phone number being called was not listed in the complaint. We are unable to discuss the details of the account located since it does not bear Mr. *****'s name, however we would like to be of further assistance to help resolve the issue. The phone number provided in the complaint is from our Collections Department, which indicates that the call was made in an attempt to collect on a debt. In the complaint, Mr. ***** indicates that he has never requested a loan from CashNetUSA. If the communication from CashNetUSA was caused due to a loan which may have been obtained fraudulently, please be advised that we take matters of fraud seriously and work hard to move quickly to handle the situation. If this is a case of identity theft or fraud please be advised that before we can address this issue, you will have to file a police report with your local authority. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well. If you believe that this is a case of identity theft or fraud, and without a phone number associated with the complaint, to best assist you we recommend that you contact our Fraud Department directly at **********************. We will be happy to assist you with resolving your concern. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/19/2014 Delivery Issues
8/18/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I had a current loan and the weekend of the Fourth of July I had issues with my account at ** ******* I called Cashnet and made them aware on Monday July 7th. They told me that I should have a new account set up and to call back no later than wednesday to update. I called in on Wednesday but the funds were paide to the lender with no issues. This caused me extra pain because I am still curently fighting ** ****** on said account. On wednesday when I was told that everything was fine I still stated that I need to update the account info. The rep stated all i had to do is update online if I ever need another loan. I did not think that I was going to need one until the following day. I applied online but no where did it allow me to update. This was close to 4 oclock CST. I called in to ask what needed to be done and very clearly stated that this account had been breached and that it could not be used. I was told to email information of the new account and that it would be updated. I did that 3 times. Twice from my email from work and 1 from my personal email. Well the loan processed at 4 oclock and when I did not see any responses from Cashnet after my first two emails I went ahead and sent the 3rd one from my personal email and called in to make sure it was being updated. The loan was being sent to the incorrect account and due to this Morgan received the funds and are of course going to keep the funds due to the issue of my compromised account. cashnet is attempting to hold me responsable for something i clearly stated I did not need to have happened. That same day that I placed the loan a Supervisonr told me that the loan should have been cancelled and clearly it was not. Now Cashnet does not want to reeverse the loan due to their incompentency of employees I am having to make a legal situation out of this. please help I have done everythign in my power so that this issue did not come about and Cashnet did not take action appropriately.

Desired Settlement: I want the loan reversed as I did as I was told within minutes after talking to the origianl representative. All supervisors have heard recording and agree that the representative did not give me all the correct inforamtion and that representative did not take correct steps. I specifically stated that I need to make sure that the funds do not get depositied to the currect account they had on file.

Business Response: Initial Business Response /* (1000, 8, 2014/08/07) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. Ms. **** is a returning CashNetUSA customer. On July 7, 2014, Ms. **** applied and was approved for a $300.00 CSO loan. On July 10, 2014, Ms. **** contacted our customer service department requesting to change the bank account details that were listed within her loan agreement so that the loan would be funded to a different account. Due to a human error, Ms. ****'s request was not properly addressed; as such the loan was funded to the bank account that Ms. **** originally provided in her application. We apologize for the inconvenience this matter has caused Ms. ****. As such, on July 31, 2014 CashNetUSA waived the account balance. On August 5, 2014, Ms. **** was funded a $300.00 loan with her updated bank account details. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/18/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I never receieved the $5,000.00 because they wanted another $100.00 and I refused. I then requested that they return my $150.00 and they refused.

Desired Settlement: I would like $150.00 returned to me

Business Response: Initial Business Response /* (1000, 8, 2014/08/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not provide financial services to residents of New ******* CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/7/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I paid this company in full but it has not updated my records with the appropriate companies. I paid this account off in 2013 however when I log into my account to make sure that everything is great in the event that I may need a payday loan. I am showing that their website has me owing a balance which is inaccurate since I am looking at a receipt with a paid in full letter.

Desired Settlement: I would like CashNetUSA to mark my account has paid in full because of as of today when I log into the website it is saying that I owe 778.67 even though I have paid it in full. Please correct this error and mark my account has paid in full.

Business Response: Initial Business Response /* (1000, 5, 2014/08/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ****** was a customer of CashNetUSA from July 7, 2009 until March 28, 2013. On June 6, 2012 Ms. ****** was funded a loan in the amount of $700.00. In the state of *****, consumers are able to extend their loans up to 4 times. If the consumer extends their loan due date, they will pay their Credit Access Fee and lender interest on the original due date and pay their loan principal, any additional interest and Credit Access Fee on their extended due date. Our records indicate that the loan was extended twice. On August 31, 2012, Ms ****** was due to pay her balance in full in the amount of $712.05. However the payment which was requested was returned due to a notification from the bank. We did not receive any payments on her account balance. After being in delinquency status for over 90 days, on March 28, 2013 CashNetUSA sold the account to a third party debt buyer, **** ******************* (***). The direct contact number to *** is XXX-XXX-XXXX. Once an account has been sold, CashNetUSA will no longer update the balance on the account. Any payments made will be made to that company and will not reflect on the account with CashNetUSA since we no longer have the debt. Since the loan was not paid in full with CashNetUSA we are unable to update the balance on file to reflect that the loan is paid in full. We apologize for any inconvenience that this may cause. If Ms. ****** would like confirmation that the debt was paid in full she may contact *** directly for assistance. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/4/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I am an elderly & disabled person only getting SS disability mo. income. In 5/2014 I borrowed $650 dollars to help get my abused daughter out of her dangerous situation. I don't understand how I still owe $540.00 when on 6/03 $255.88 was paid & on 7/03 $246.24 was paid thru my checking Acct.? I don't see how it is legal to charge interest 3 times more than principal loan. If I had total money I would pay it off ASAP. My customer # is XXXXXXXX and my credit # is XXXXXXXX. Can you please offer me some assistance with this matter?

Desired Settlement: Since I have already paid $502.12 on the $650.00 borrowed I would like to pay off the $147.88 and not have to keep paying $150.94 for interest and only $95.30 going to principle.

Business Response: Initial Business Response /* (1000, 8, 2014/07/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On April 23, 2014, Ms. ****** opened a $650.00 Line of Credit with CashNetUSA. Ms. ****** signed her Line of Credit agreement stating she understood and agreed to the terms and conditions associated with the Line of Credit loan. On April 24, 2014, per Ms. ******'s request, she was funded a $650.00 advance. As set forth in Ms. ******'s Line of Credit agreement, she will be required to make minimum payments every billing period she carries a balance. The minimum amount due on each due date will be 15% of the outstanding Principal Balance and any fees, plus all interest, or $100, whichever is greater. There is a transaction fee imposed for every advance requested. The transaction fee is 15% of the amount borrowed. Additionally, Interest will be charged on the scheduled Principal Balance that is outstanding each day. CashNetUSA values Ms. ****** as a customer and strives to provide the ultimate customer experience. We understand from her complaint that Ms. ****** is having difficulty with the current payments. As such, on July 21, 2014, CashNetUSA offered and Ms. ****** agreed to the following payment arrangement. $135.02 due on XXXX-XX-XX $135.02 due on XXXX-XX-XX $135.02 due on XXXX-XX-XX $135.02 due on XXXX-XX-XX We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/1/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a call from CashnetUSA concerning a loan application. They told me I qualified for a loan of 1000 dollars. I told them that amount is too much, and all that I needed is 500, They told me that was ok but I needed to load a green dot ******** card with 21.00 to transfer the loan in my account. At first I bought one for 4.95 and I loaded it with 22.00 dollars. They called me back and told me that I loaded too much on the card, and that I should only put the exact amount of 21.00 dollars on the card. They told me that I should except the refund for the first attempt in three business days to my bank account with ** ****** *************** within three days. Because I had put too much money on the first card that it voided the original contract with their bank. So I bought another ******** card for 4.95 and I put exactly 21.00 dollars on it. I was told that the deposit would transfer into my account in two to three hours. They called me after a couple of hours and told me that since I had previous loans that I had trouble paying, that the Federal Trade Commission took the loan and paid one of my creditors. the number that I have for them is XXXXXXXXXXX. I don't understand how they told me that I should expect my full refund in 10 days, and then told me that I wasn't entitled to a refund. I would like to file this complaint and get my full refund if possible. And if it's a scam is my bank account in jeapoardy.

Desired Settlement: The price of both of the ******** cards and the amount that I put on them of 22.00 and 21.00 totaling 53.00 dollars.

Business Response: Initial Business Response /* (1000, 5, 2014/07/14) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. The persons referenced in the complaint who contacted the complainant are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashnetUSA does not provide financial services to residents of North ********* Further, the telephone number XXX-XXX-XXXX listed within the complaint does not belong to and is not used by CashNetUSA. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

8/1/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I applied for a loan over the phone and the told me to show proof of ability to pay the monthly bill of $361.00 by purchashing a ******** card. Well to make a long story short they took the monies from the reload it card plus the loan was not deposited as they said. I may have been a little unsure of what I was doing but it at sounded legit. Product_Or_Service: a loan Account_Number: loan #******

Desired Settlement: DesiredSettlementID: Refund refund of my $361.00

Business Response: Initial Business Response /* (1000, 11, 2014/07/14) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Ms. ******** is a returning customer of CashNetUSA. On June 25, 2014, Ms. ******** was funded a $600.00 payday loan. On July 1, 2014, Ms. ******** scheduled a payment arrangement. Due to the current status of Ms. ******** account, CashNetUSA would not offer to provide additional financial services. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

7/31/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I received a telephone call from an individual stating that he works for Cash Net USA. Stating that my loan request had been approved. Providing me instruction with online wire transfer which involved purchasing a ******** card and placing $150.00 on the card. The company took the money off of the card after stating that they wouldn't take it off of the card. The individual then stated that there was a black mark on my credit report and I needed to pay an additional $175.00 to get it removed. After informed him that I didn't have any money he threatened to withdraw 249.00 from my account and sue me for the $1500.00 that I didn't pay for breach of contract. The telephone #s that the individuals called from was XXX-XXX-XXXX and XXX-XXX-XXXX. The individual refused to provide me with an email address.

Desired Settlement: criminal prosecution of the individuals behind the scam.

7/30/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I am on a fixed income and applied for a loan to get caught up on some bills. I was asked to send a green dot money pak for $300.00 Then asked to send them $370.00 more on a money pak. Then was asked to send them 262.00 for insurance. I was told that when the loan was done that I would be able to get all this refuned. I have done all that they asked and because I gave the wrong person the money pak number for 120.00 dollars they are refusing to give me the loan.

Desired Settlement: I want the $1052.00 plus I would like to be paid for all the time and gas that used to jump through their hoops. At least an extra $200.00?

Business Response: Initial Business Response /* (1000, 5, 2014/07/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Ms. ****** was a former customer of CashNetUSA. On August 3, 2009, Ms. ****** was funded a $500.00 payday loan. However, after being in a delinquency status for over 180 days, on March 19, 2009, CashNetUSA sold the account to a third party debt buyer, **** ********** ******** ****** The direct contact number to *** is XXX-XXX-XXXX. Due to the current status of Ms. ****** account, CashNetUSA would not offer to provide additional financial services. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

7/25/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I was applying for a loan on line. One of the companies said they were affliated with Cashnet. usa. I looked them up & found them to be reliable. After dealing with this fake company, they wanted more cash to make a loan possible. Then they argued with me. When I begged them to refund the money they told me it would cost me more money to get the refund. Originally I sent them $220 on a ******** card, then they told me a transfer fee was required. I sent them $397 then they told me it would cost another $297 for an application fee. I trued to resolve this with them over the phone only to have them start yelling at me. I would like an investigation & I am also going to file a claim with the FBI. Please contact me as soon as possible Product_Or_Service: On line money loan Account_Number: file #********

Desired Settlement: DesiredSettlementID: Refund I would like the monies to be refunded to me & the cost of the card. I also would like this company to go to prison, so they can never do this to anyone ever again. The people that I talked to were a ***** ****** a ******** ******** a ***** ***** & a ***** ******

Business Response: Initial Business Response /* (1000, 5, 2014/07/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. Mr. ******* applied for a loan with CashNetUSA, unfortunately we were unable to approve his application. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

7/23/2014 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I called for a loan for $2000, they said the App fee was $100 I paid that,I called back they said the transfer fee was $121 I said I don't have that can you cancel the **** ****** told me it will be 45 days for me to get my money back on a MoneyPak prepaid card. When I said I was going to call BBB **** said if I do I wont get my money back at all. I told him I will wait. Still in need for the money, I borrow the $121. I called Him back and ask can I stll do the loan **** said yes, so I went and got another card for $121 I gave **** ****** the number,he put me on hold for 20min I hung up and called back he put me on hold again, I called back and thats when **** ****** told me there is a process fee $136.11.Thats when I knew I just was taken for $221. I ask before I started with the $100 will there be any other fee each time I was told no. When transfer to the next department, I was told there is another fee. When I was on the phone with them, They try to use your need against you, kept saying why you call if you did not need the money, trust me i am going to help you, just do this one more thing and the money is yours, over and over, trust me I am going to help you. **** ****** told me I better not tell ANYONE about this or I will NOT get my money back at all. When I asked him how will he know, he said I have friends everywhere in the BBB and other places and they will let me know,he said if I talk to any Third party he will fine out. I said ok I will wait the 45 days and added 45 business days.

Desired Settlement: Because I have to go though all of this, I believe that I should get my money back $221 and the $2000 that *********** said I would get when I paid the Transfer fee. Total of $2,221 I had to borrow that money and I have to pay it back out of my pocket which I don't have thats why I needed the money. He Told me NOT to call any one about this if I do he will fine out, when ask him how he siad I have friends everywhere the BBB and other places I will fine out

Business Response: Initial Business Response /* (1000, 5, 2014/07/07) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not provide financial services to residents of *** ******* CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/07/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) It may not be the same company but why can these people be stop Final Business Response /* (4000, 9, 2014/07/18) */ Thank you for forwarding the customers correspondence to our attention. As previously mentioned, CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders, therefore, and unfortunately, CashNetUSA cannot prevent them from calling consumers. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

7/22/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Received a call for a loan, business told me to put $150.00 on a ******** card to prove I had money for first payment and they wouldn't touch it. Then told me to put another $100.00 on a different ******** card for the wire transfer fee. When called to ask about the $150.00, they stated they pulled it off of the first reloadit card because it would be refunded after I told them not to touch it. They threatened to call the police on me, gave me multiple reasons for why they wouldn't give me my money back. Even told me to call The Better Business Bureau to prove it wasn't a scam.

Desired Settlement: DesiredSettlementID: Refund $150.00 that was placed on the reloadit card and $3.95 for the card purchase.

Business Response: Initial Business Response /* (1000, 5, 2014/07/07) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not provide financial services to residents of Iowa. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

7/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This place is constantly calling my house every morning. They are calling for a lady name **** somebody. We been living in ***** for a month now and this place keep calling. We do not know this person name ****.We keep telling these people this lady do not live here.The number they are calling is XXX-XXX-XXXX my home phone number. We have ask over and over to take this number off of the list.This place keep calling.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Take this number off of the calling list ************.

Business Response: Initial Business Response /* (1000, 5, 2014/06/26) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that the phone number listed on the complaint was listed to an active account and provided as a point of contact. On June 19, 2014 one call was attempted by our Collections Department in efforts to collect a debt. However the call ended without the representative being able to communicate with a caller. A second call was placed on June 20, 2014, again by our Collections Department. On this call we were advised that the number we were contacting was in fact the wrong number. No further contact attempts have been made. In addition the phone number in question, XXX-XXX-XXXX has been flagged as incorrect. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/06/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Cash Net call every single day. They are a liar we told them several time **** M do not live HERE and this is not this lady number.I have the number on my caller Id. They call everyday. This collection department have the wrong number. No **** M. lives here.Stop calling this number or I will report it. Final Business Response /* (4000, 9, 2014/07/08) */ Thank you for forwarding the customer's continued concern. We apologize for any confusion, however as provided our records do not indicate any recent outbound calls other than the two (2) calls which were indicated in the initial response for the complaint; the last call attempt occurred on June 20, 2014. We have updated our records to indicate that the phone number provided, XXX-XXX-XXXX, is not a valid contact number for the customer in question. Please be advised that each call from our call center is logged to ensure that we are compliant with all Collections regulatory practices. We apologize for any inconvenience that this may have caused the Ms. *****, our records indicate that our Call Center was contacted on June 26, 2014 from the phone number in question. After review of the call, we were unable to assist the caller. However the name of the caller and the reason for the call was not disclosed. We attempted to assist the caller by transferring the call to the Final Resolution Team for assistance, however the call was disconnected. To further assist Ms. ***** with her concern, we ask that she please provide the phone number which is appearing on the caller id when the calls occur as well as the specific date and time of the calls so we can further investigate her concern.

7/4/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I was approved a loan for 800 dollars from cashnet usa. They said the fund will be deposited into my account on June 5,2014. I HAVE NOT RECIEVED THE FUNDS YET AND THEY ARE JUST TELLING ME TO WAIT TWO DAYS EVERYTIME I CALL THEM.THE COMPANY REALLY DOESN'T SEEM CONCERNED TO ME. I AM BEING CHARGED FOR MONEY I DIDNT RECIEVE. THEY HAVENT CALLED ME AND WHEN I DID CALL BACK AGAIN THEY SAID THE BANK INFORMATION CHANGED AND THEY WONT EVEN INVESTIGATE WHOSE BANKING ACCOUNT IT IS. I FEEL THIS WAS JUST A SCAM AND I DONT WANT TO PAY MONEY THAT I DONT OWE, IT WAS AN ONLINE TRANSACTION. I JUST DONT WANT THEM CHARGING ME FOR A LOAN I NEVER RECIEVED

Desired Settlement: Close out the account and not withdraw funds that I never received.

Business Response: Initial Business Response /* (1000, 5, 2014/06/20) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On June 4, 2014, Ms. ****** applied and was approved for a $800.00 installment loan with CashNetUSA. Unfortunately, due to a human error, Ms. ****** did not receive the funds. We apologize for the confusion and inconvenience this matter has caused Ms. ******. As a result, CashNetUSA has removed the requested loan and updated Ms. ******'s account accordingly. Therefore, Ms. ****** does not have an account balance. CashNetUSA has attempted to contact Ms. ****** multiple times in effort to resolve her concerns; unfortunately, we have been unsuccessful in reaching her. Further, we are willing to reimburse Ms. ****** for the bank fees she may have encountered due to the funding error, as long as those fees are due to the funding error. We are requesting that she please submit a copy of her bank statement for review. We are requesting Ms. ****** contact our Customer Service department at XXX-XXX-XXXX to further discuss the reimbursement. Again, we apologize for the inconvenience and confusion this matter may have caused Ms. ******. We hope that this response resolves this complaint and answers any questions your office has. If we can provide any additional information, please contact us.

7/1/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The account number given to me is XXXXXXXX, and I has contacted this company on many occasions to let them know this is not my account and I am a victim of identity theft. The company was also faxed an affidavit from the IRS as well as a police report. I will not pay this because this is not my debt.

Desired Settlement: Clear this debt from my name and stop harassing myself and my wife.

Business Response: Initial Business Response /* (1000, 5, 2014/06/06) */ Thank you for forwarding this complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. According to our records, on January 14, 2014, Mr. ******* opened a $600.00 Line of Credit with CashNetUSA. On January 14, 2014 and March 1, 2014, Mr. ******* requested and was funded advances. On February 12, 2014, he made a $157.94 payment. On May 6, 2014, a third party contacted CashNetUSA and asserted that Mr. ******* ******* was the victim of identity theft. CashNetUSA advised the third party that in order for CashNetUSA to investigate his identity theft claim, it would need a copy of a police report or fraud affidavit. On May 12, 2014, Mr. ******* submitted a fraud affidavit; however, further documentation is needed. The fraud affidavit that he submitted lists ******** ******** as the victim. The complainant and the CashNetUSA account name is ******* *******. It is unclear how Ms. ******** fraud affidavit is connected or relevant to Mr. *******'s claim. We ask that Mr. ******* ******* (the complainant and CashNetUSA account holder) please contact our fraud department and provide a fraud affidavit to assist our investigation of this claim. Mr. ******* may submit a police report or identity theft affidavit to: CashNetUSA Fraud Department Phone: ************ ext **** Fax: ************ Email: ***************@cashnetusa.com We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 7, 2014/06/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have both faxed and emailed them a copy of my police report. Please close this account and stop contacting me, I did not get this loan. Final Business Response /* (1000, 12, 2014/06/20) */ Thank you for forwarding the customers correspondence to our attention. As previously mentioned, on May 12, 2014, Mr. ******* submitted a fraud affidavit; however, further documentation is needed. The fraud affidavit that he submitted lists "Neisha Briggs" as the victim. The complainant and the CashNetUSA account name is ******* *******. It is unclear how Ms. ******** fraud affidavit is connected or relevant to Mr. *******'s claim. In our continued effort to address Mr. *******'s concerns, our fraud department attempted to contact Mr. ******* via telephone, unfortunately we were unsuccessful in reaching him directly, however we were able to leave a message requesting for him to contact us. Unfortunately, Mr. ******* has not contacted us back. We again ask Mr. ******* ******* (the complainant and CashNetUSA account holder) please contact our fraud department and provide a fraud affidavit to assist our investigation of this claim. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Note to consumer from BBB: In an effort to expedite a resolution to your complaint, we need your cooperation. The business has requested and Identity Theft Affidavit, as well as the the police report. You have only provided the police report. You may visit the following website in regard to the Identity Theft Affidavit. http://www.consumer.ftc.gov/articles/0277-create-identity-theft-report Thank you

6/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In 4/1/2014 I asked them to withdraw $357 for that month payment they took $657 I complained they put it back by then $300 overdraft had accrued on 4/18/2014 they called I made arrangements to make a $500 Payment on 5/1/2014 they took $500 and then took $714 also I call and talked for 45min they still insisted I my balance was $214 I was fed up with fighting with them I sold my guns and paid them off. they never returned my overdraft as they said it was not there fault.

Desired Settlement: My overdraft fees from both times they messed up $630. nothing else.

Business Response: Initial Business Response /* (1000, 9, 2014/06/13) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On February 5, 2014, CashNetUSA arranged a $1,050.00 CSO loan for Mr. ************. Our records indicate that on March 22, 2014, Mr. ************ logged into his account and applied for an extension for the loan amount due on April 1, 2014. When extending a loan, the customer will pay the Credit Access Fee and lender interest on the original due date and pay the loan principal, any additional interest and Credit Access Fee on the extended due date. In order to extend the loan the minimum amount due was $251.64; however Mr. ************ added a partial payment in the amount of $400.00. This made the amount of $651.64 due on April 1, 2014, and the amount of $715.98 due on May 1, 2014. An email confirmation of the extension, the amount due and the amount due on the following pay date, May 1, 2014, was sent to the email address on file. On March 23, 2014, Mr. ************ contacted our Customer Support Department to confirm the extension was processed and the amounts due. On April 2, 2014, Mr. ************ contacted our Customer Support Department to advise us that he had made an error in regards to the amount that was debited on April 1, 2014. As a goodwill gesture, we offered, and processed, a reversal of the payment for $651.64, advising the customer once the payment was returned payment arrangements would have to be set up. The customer was advised that the reversal would be complete on April 8th or 9th. However, on April 4, 2014, the reversal was processed earlier than anticipated. Due to the amount on the account now being past due, we attempted to recoup the funds automatically with no payment arrangement on file on April 7, 2014. The payments were returned due to insufficient funds. Due to the returned payments the customer was assessed a late fee and insufficient fund fee in the amount of $62.61 which was added to the balance due. On April 18, 2014, our Collections Department reached out to Mr. ************ to setup payment arrangements for the past due amount on file. A payment arrangement was agreed upon allowing him to make a payment of $500.77 on May 1, 2014 and $214.00 on May 30, 2014. These payment arrangements did not impact the extension which the customer had processed online. On May 1, 2014, Mr. ************ contacted us in regards to the amount debited, questioning why in addition to $500.77 was $715.98 debited from the bank account on file. As per his payment arrangement with Collections we requested $500.77 and as per his original extension $715.98, for a total amount of $1,216.75. On May 6, 2014, Mr. ************ was advised that no error occurred in regards to the debits on May 1, 2014 and no refund was due. On June 10, 2014, we spoke with the customer to attempt to rectify his concern. A full explanation was provided reaffirming that no refund was due in regards to the debits on May 1, 2014. However, we have offered to assist the customer by refunding the late fee and insufficient fund fee caused by the representment of the amount due on April 7, 2014. In addition, a copy of his bank statement was requested for review to determine if any insufficient fund charges were assessed on his bank account due to the payment requests on April 7, 2014. The customer indicated that he would provide a bank statement. An email follow up of our conversation was sent requesting the bank statement on June 10, 2014. On June 12, 2014, we left a message and sent another email due to not receiving the bank statement as requested. At this time we have not received a copy of a bank statement or been in direct contact with the customer again. To best assist the customer we have processed a refund request in the amount of $126.61. This amount includes the $62.61 which was assessed on our end for the late fee and returned payments on April 7, 2014; it also includes two $32.00 credits for the possible insufficient fund fees the customer may have been assessed by his bank. If the customer incurred more fees, we will be happy to review a bank statement in order to determine any additional compensation. The bank statement can be emailed to *******@cashnetusa.com or faxed to 866.413.3888. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/24/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: On May 12, 2014 I logged on my work computer and found out that a $1,000 loan was funded that day. The loan was applied for on May 9th and a contract was signed. I did not log onto my work computer on May 9th because I was off work. I have done business with CashNet USA in the past. I contacted them and was told there was a contract and I should file a police report and send it to their fraud department. I filed a police report with the ****** **** police department. The report number is XX-XXXX dated May 12, 2014. The officer told me to contact Cash Net USA and give them the phone number so they could request the report. I called them as instructed. Cash Net USA told me they were unable to obtain the report. The money was sent to a charged off ***** account that I had not used in a year. The account had a negative balance. I had used this account with Cash Net over a year ago but once it went into bad standing I changed all my banking to a new ********** account. The recent loans I had with Cash Net used the ********** account. Looking at my Cash Net online account I noticed several changes in addition to the checking account change. My pay dates were incorrect, my pay frequency was wrong. I get paid every other Friday and it showed monthly. My job title was wrong and so was the expiration date from my ID which is my driver's license. The IP address on the signed contract also was incorrect. I called several times and was told my fraud claim was rejected even though after a long discussion I was told they never received the police report. I went to the library and faxed it to them on May 29th. I had contacted ***** bank in the meantime and confirmed that the account was charged off and the money went to the collections department. There is actually a 3rd party collections group who contact me concerning this debt of approx $2,000. Mr. **** (XXX) XXX-XXXX a banker with ***** said that the bank would send the money back to Cash Net USA. He instructed me to have them send ***** a letter of indemnity which I did. I found out yesterday that they never did. Mr. **** contacted me yesterday and said that ***** will send the $1,000 back via ACH today June 10th. Checking the Cash Net website it does show that I owe $274.82 instead of the $1,274.82. It appears that they still expect me to pay the interest and fees. When I spoke to them around May 29th or 30th they said I'd still owe that. Basically the $1,000 being returned was just considered a payment. I did not apply for this loan and have been stressed out over this for a month. On June 12th they were going to attempt to debit the account for the full balance. If I had only gone online on May 9th I would have seen the loan applied for and seen the emails saying it was approved. Maybe then this could have been avoided but then again how do you cancel a contract that you never signed? This is a case of fraud or a Cash Net USA internal error. I'm requesting that this be closed out without any interest or fees being owed by me and my account locked so no future loans can be requested. At the present time the website is showing that $274.82 is still owed and scheduled to be debited on June 16, 2014. My customer ID with them is XXXXXXXX. My family and I will be very grateful if you can finally close this out. It is very frustrating dealing with their customer service department. Thank you.

Desired Settlement: This is a case of fraud or a Cash Net USA internal error. I'm requesting that this be closed out without any interest or fees being owed by me and my account locked so no future loans can be requested. They are showing a balance of $274.82 left.

Business Response: Initial Business Response /* (1000, 11, 2014/06/23) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. According to our records, on May 12, 2014, CashNetUSA arranged a $1,000.00 Installment loan to Mr. **** after receiving a loan application completed using his personal information. Subsequently, Mr. **** asserted that he was the victim of identity theft. On June 10, 2014, we received notification that the principle balance was returned to CashNetUSA. On June 11, 2014, our fraud department accepted Mr. ****' identity theft claim. Mr. **** does not have an outstanding account balance with CashNetUSA. The account opened in Mr. ****' name with CashNetUSA has been updated to reflect this information. We truly apologize for any confusion or inconvenience this matter has caused Mr. ****. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 13, 2014/06/24) */ (The consumer indicated he/she ACCEPTED the response from the business.)

6/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Friday, I got several calls asking for ****** from a very noisy call center.( obviously not in the US) Told them no ****** and please remove my number from their IVR. I continued to get calls from the same call center, from several locales in the US, including *** *** *** *** and one phone number that simply was listed as "6". I had these numbers blocked off my phone, signed up AGAIN for the no call list, and even alerted my wireless carrier about these calls, They stated short of changing my number I could put a block to only receive calls that were in my contact list. That did not work. I blocked every call that came through that day from this call center and Id get a call fro another location, but the same guy would ask for curtis. When i got another call I asked to speak to A manager. I told her what was happening and she assured me that they would remove my number from rotation, but around 9 this morning they began again. I still have these numbers on my phone if they are needed for further investigation. There are a lot of them.

Desired Settlement: I would like of the calls to stop.

6/23/2014 Delivery Issues | Read Complaint Details
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Complaint: On May 6th 2014 Cashnetusa deposited $1150.00 into my **** of ******* account without my legal consent or proper documentation. This loan was made under no documentation that I signed. The state of ****** Law gives me 48 hours to disput the loan in regards to this matter. The account that the funds were deposited will be exausted with the exception of the $1150.00 that Cash Net Usa put in that account. Furthermore, the account will be closed on the 15th of May 2014 to allow for your transaction to be complete. I will get further account details from *************** in the morning to advise that Im still in my 48 hour legal window to disput. Thank you... On Thursday, May 8, 2014 1:11 AM, CashNetUSA <*******@email.cashnetusa.com> wrote: Dear ******* *******, This is a reminder that your current loan amount of $1437.50 will be due on 05/15/2014. You have the option to delay your due date by requesting an extension or you must pay your loan in full on your due date. Want to extend your loan now? Simply log in to your online account and clicking the 'Extend My Loan' button. Remember, extension requests must be received at least two business days prior to your original due date. If you choose to request an extension, your payment schedule and details would reflect the following: *On 05/15/2014 you would pay $287.50, which includes your original loan fee or extension fee. *The remaining principal from your original loan agreement will be extended to your following pay date with an extension fee. *On your following pay date, you will be required to pay the remaining principal and extension fee. Your transaction will then be complete! For your records, your current loan information is below. Customer ID#: XXXXXXXX Loan Amount: $1150.00 Current Due Date: 05/15/2014 Total Amount Due: $1437.50 Minimum Payment (if extensions available): $287.50 Current Payment Amount: $1437.50 If you have any questions or concerns, our Customer Support Team is available 24 hours a day, seven days a week to help answer all your questions via phone, email or online chat. CashNetUSA Customer Support Phone:(XXX)XXX-XXXX Fax:(XXX)XXX-XXXX Email: *******@cashnetusa.com www.CashNetUSA.com To ensure delivery of important updates from CashNetUSA, please take a moment to add *******@cashnetusa.com to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! Any NSF will force us to start collection procedures. *Funds are generally deposited via ACH for delivery next business day if approved by 9pm CST Mon. - Thu. or by 7pm CST Sun. Terms and conditions apply. CashNetUSA does not offer loans in all states in which it operates. In certain states it offers deferred deposit, deferred presentment or other credit transactions. See www.CashNetUSA.com for details. Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. CashNetUSA does not warrant that the content of this correspondence is error-free. For the most accurate and up to date information about your account and/or terms of use of CashNetUSA products please see your loan agreement and/or your account information on the CashNetUSA website. Here is a copy of my General Liability Insurance so things like this dont happen to good people. I really appreciate the loan I recieved and signed for back in March however, fortunately I've turned my financial situation around. Moreover, I will not let this happen to me as my insurance will state. Cash Net Usa should just do the right thing and reverse the deposit before the 15th of May 2014.. Thank You..

Desired Settlement: I want the $1150.00 they deposited in my account to be removed asap and I will not pay the $287.50 that their customer support says that Iam..This is fraud please help.. Thank You

Business Response: Initial Business Response /* (1000, 15, 2014/06/12) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. According to our records, on May 6, 2014, CashNetUSA funded a $1,150.00 payday loan to Mr. ******* after receiving a loan application that was completed using his personal information. On May 8, 2014, Mr. ******* spoke with one of customer service representatives and asserted that he did not request the loan. As such, CashNetUSA scheduled the time to return the loan principal (no interest, just the principal) for May 9th, 2014. CashNetUSA received notification from Mr. *******'s financial institution that he had placed a stop payment on all transactions from CashNetUSA. CashNetUSA has not attempted to debit the complainant's account since it received notice of the stop payment instruction. Unfortunately, Mr. ******* has not scheduled the return of the loan principle. CashNetUSA would be happy to work with Mr. ******* to schedule the return of the loan principal balance; we ask that he please contact our Customer Service department at XXX-XXX-XXXX. We would be happy to work with Mr. *******, but we will need him to return the principal that he asserts he did not request. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/17/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: somehow CashNet got my phone number and i have now received over 40 calls in the last 3 days aggressively pushing personal loans despite requests to be dropped from the call list and repeated responses that i'm not interested. Reps have been alternatively rude, aggressive and, in many cases, have known nothing about the product they're pushing. They change stories, ask for personal information and make promises of money in bank accounts within 45min if you give them what they want.

Desired Settlement: want to be dropped from calling list.

Business Response: Initial Business Response /* (1000, 5, 2014/06/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Mr. **********. Please be advised that without an account on file we are unable to initiate contact. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/17/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Recently I was let go from my job of nine years of my life was let go, as you know after a long amount of time is hard to take after doing it every day, like we do and we keep using Money which we do not have and see these types of loans such as people who have no credit bad credit or maybe even trying to rebuild their credit and get these loans with no credit checks and give these people their bank info and the money never shows and your money that you did have is gone and you realize that you have been SCAMMED. Product_Or_Service: Cash Advance Loan / Processing Order_Number: N/A Account_Number: N/A

Desired Settlement: DesiredSettlementID: Refund I would like this company to refund me the money which they had me send them for what they said was an Insurance fee of 120.00 which they said was required to receive the funds by wire transfer to my new citizens checking account. So now they also have the routing and account number to those and the credit card I applied for. I don't know what my options are and I did call citizens and tell they to close the account but I hope it was not too late.

Business Response: Initial Business Response /* (1000, 5, 2014/06/06) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Mr. *****. Please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of ************* CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. You should notify your bank immediately. Many banks have fraud protection plans that might be able to help you. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Delivery Issues | Read Complaint Details
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Complaint: I was seeking out a loan online. A business called saying they were CashNet (I searched their number and found it was registered to the **** Communications Corp., phone number XXX-XXX-XXXX) called me and we negotiated a 3 year loan for $5K to be paid back at $150 per month to be directly deposited into my bank account. They said I need to show a one month payment of $140 to be presented via ***** dot card and that there would be no cost and my payments would start on July 10,2014. When I did this they then informed me that there would be an additional loan fee of $120 also to be paid by ***** dot card. I did this as well. Needless to say they never deposited the $5K and have stolen $265 of my hard earned money that I can't afford to lose. Now they won't even answer the phone. I've been scammed. I would like to get my money back. I would also like the number to the FTC so I can report them again. I spoke with a *** **** and ***** ******* Product_Or_Service: Loan

Desired Settlement: DesiredSettlementID: Refund I would like the $265 they stole back.

Business Response: Initial Business Response /* (1000, 10, 2014/06/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Ms. ********, however we are unable to provide loan services at this time. Please be advised that CashNetUSA only provides Payday Loans in the state of Florida. We are unable to offer loans in the amount of $5,000 with extended repayment. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Problems with Product/Service | Read Complaint Details
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Complaint: On 6/2/14, I received a call from ***** ***** stating I was approved for a pay day loan I applied for online. I was to pay $55.00 using a ******** Card ($3.95) as a security deposit (good faith payment) to receive a $1000.00 loan. I paid the fee and then was asked by "*****" from accounting to pay $101.00 for transfer fee to wire funds into my account. I told him I had no more money. I borrowed the money from my mom on 6/3 and then bought another ******** card ($3.95) to send the fee. I then talked to ******** who told me I had to pay $135.00 for an insurance fee based on the FCC needing assurance of my ability to repay the loan and again I borrowed the money from my mom because I was told if I cancelled the loan I had to pay $75.00. I didn't want to lose my mom's money so I paid the money with another ******** Card ($3.95). I was then transferred to "******" who said I had to pay $120.00 application fee. I told them I want my money back and that this is a scam!!!!!! He hung up on me after saying "Pay $80.00 for a cancellation fee and we will refund your money. How many others are being taken advantage of out there, will they go into my bank account. They have all my personal information. Please help me, my mom is on a fixed income and I feel horrible about involving her in this scam. Please help me!!!!!

Desired Settlement: I would like to have my $302.85 refunded to my mom asap!!!!!

Business Response: Initial Business Response /* (1000, 5, 2014/06/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms ***. Without an account we are unable to initiate contact. Please be advised that for eligible customers the maximum approval amount offered in the state of ******** is $600.00 with CashNetUSA. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased the money - pak card on May 8 and deposited $60 on the card

Desired Settlement: I just want my $60 back

Business Response: Initial Business Response /* (1000, 9, 2014/06/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms *****. Without an account we are unable to initiate contact. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: My name is ****** ******* and I am sending a question to you. I borrowed money from Cashnet back in 2007, I believe. I closed out my account because my account was being debited, and I was unsure if this was fraudulent activity or not. I take full responsibility that I did not notify cashnet. Fast forwarding to 2013, In Oct 2013, I received a call from a company call ******* and ********** (case # CXXXXXX) stating that the account was forwarded over to them and they were representing Cashnet to collect the outstanding debit. I settled the account amount and was provided documentation stating the debit has been settled. Then in Nov 2013, I receive a call from a ******, ***** and Associates (did not provide a case or account number) claiming that they were representing Cashnet usa to collect the out standing debit and that a warrant was going to be issued for my arrest due fraud, etc. I paid money to ******, ***** and Associates, once the payments were made, I have tried to contact ******, ***** and Associates to get documentation from them stating that the account was paid in full. But, I had left numerous messages with them and no one will return my call. I disputed the charge with my credit card company. Thing is I explained to ******, ***** and associates that I had settled the cashnet account with ******* and Associates, and they stated that ******* and Associates were a ghost company and they should not have been trying to collect money from me since ******, ***** and Associates are legally representing Cashnet and I should get my money back from ******* and Associates. I contacted ******* and Associates and they stated that this was not true, ******, ***** and Associates should not be trying to collect money. Moving on to Feb 2014, I received a called from *********** Resolution, stating that they were calling on behalf of Cashnet trying to collect the debit and they had a subpoena that was going to be served to me. I emailed them all the documentation that I had and they closed the account. Now, May 2014 I have CR Legal Services (docket number ********** stated that this account just went legal in April 2014, and they said a same thing that a subpoena was going be served to me at my home in the next 24 hours. And CR Legal services stated that they are legally representing Cashnet and the other companies were collection agencies. Well, if I had paid ******* and Associates who was allegedly a collection agency why didn't they notify you guys stating that the account had been paid in full? This is now the 4th company claiming to legally represent Cashnet usa and collect on a debit that has been settled. If any of these companies were fraudulent companies they you need to be going after ******* and Associates who I paid the money too. And, not me. This is harassment and I am getting tired of being contacted by all of these companies that are claiming to be represented by Cashnet. I don't know how my account can be closed (I believe the account number was XXXXXXXX, but if I have to go to court, I will be taking my own legal action against the next company and cashnet that tries to issue a warrant, serve a subpoena or get money from me. This is beyond ridiculous.

Desired Settlement: The settlement I am seeking is to stop receiving threating phone calls from different companies claiming to legally be representing CashNet USA. I have had 4 companies claiming to be representing Cashnet and all claiming either a warrant for my arrest would be issued or a subpoena is being issued for me to appear in court. I want my account closed out and documentation from Cashnet stating that this account has been paid in full and I no longer owe them anything.

Business Response: Initial Business Response /* (1000, 7, 2014/06/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Ms. ********* Our records indicate that this account was transferred to a third party debt buyer on February 21, 2008. CashNetUSA is not associated with the callers referenced in Ms. *********** complaint. CashNetUSA is not attempting to collect any money from Ms. ******** and has no knowledge of the calls that Ms. ******** mentions in her complaint. Further, CashNetUSA does not have any entity attempting to collect a loan on our behalf. On July 11, 2007, CashNetUSA provided Ms. ******** with a $250.00 payday loan. However, after being in a delinquency status for over 180 days, on February 21, 2008, CashNetUSA sold the account to a third party debt buyer, AIS. The direct contact number to AIS is XXX-XXX-XXXX. CashNetUSA has not attempted to contact Ms. ******** or collect on her account since we sold the account to *** on February 21, 2008. Because CashNetUSA does not own the account and has not been attempting to contact Ms. ********* CashNetUSA has no knowledge or control over the conduct detailed in Ms. *********** complaint. CashNetUSA is not associated in any way with the persons referenced in this complaint who are making these collection calls. These collectors are fraudulently using our trade name in an attempt to extort money from consumers who may or may not have ever obtained a loan from us. CashNetUSA has no knowledge of or control over the conduct of the individuals who contacted the complainant and who are falsely posing as a collection agency or law firm. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Delivery Issues | Read Complaint Details
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Complaint: i applied for a l this loan to help pay s bill, was told i was approved, but had to pay a one time "insurance fee" of $100 (in case for some reason i couldnt make a payment for some unforseen reason). paid the $100, was told the loan would be deposited into my account within 30 minutes, got a call back saying that they see that i have no credit, so the credit bureau need a $200 "show of faith" then the $1000, and the $200 would be deposited in 10 minutes. i said no thank you,i feel like i'm being scammed, just give me my $100 back and we can call it a day. they said no, if you dont pay the $200, that means you're saying no to the loan, and we will charge you a $485 cancelation fee that will be taken out of your acct. paid the $200, of course they came back on the line and said they found where i owe a past debt of over $1200.00 (not so, checked my credit, such outstanding debts) and that i had to pay $300+ more. i said no, he threatened to call the police, i said please do, cause @ this point i'm absolutely sure you're robbing me, i would love to involve them in this conversation. he went on to explain to me the benifits of fronting this 300, i refused, he again threatened to take the $485 out of my acct, assuring me that he had the full backing of the credit bureau and the better business bureau, i told him at this point i didnt care, (after asking numerous times throughout the conversation for them to just give me my money back) told him i didnt have any more money, and even if i did i refused to give him another penny. i fussed, he fussed, threatened again, then hung up on me. he said his name is ***** *******. best way to catch them is to apply online for a loan of $1000 or more, imply that your credit is not the best, *****, or one of the other "associates" will blow your phone up trying to "give you the loan". they are using green dot moneypaks as their way to rob people and should be punished. i'm on a fixed income and usually have an ending balance of approx. $0.26 in my acct each month Product_Or_Service: loan Order_Number: none Account_Number: verbal contract

Desired Settlement: DesiredSettlementID: Refund i would just like to get my $300 back. not trying to take money that's not rightfully mine. and i would like for these people to be exposed, and it would be great if they could be punished for their actions. i'm sure i'm not the first person they've scammed, and if they're not stopped i know i won't be the last. they're probably scamming someone as we speak. i dont know how ya'll work, but i would be willing to "play dumb" and call them back and act likei still want the loan to help catch them

Business Response: Initial Business Response /* (1000, 10, 2014/06/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Ms. *******. Please be advised that CashNetUSA does not initiate verbal contracts, all applications and loan agreements are completed online at our website www.cashnetusa.com. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept ******** prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have complained about this problem before and your representative claimed that what this company is doing to me is legal. But I 'm saying this is not right and it cannot be legal. I received a loan from Cashnet USA and they are charging outrageous interest and at this rate I will never finish paying this loan off. I'm sorry I ever got this money from them. I borrowed 400.00 dollars from Cashnet USA in February and have made three payments so far. One payment of 154.00, one payment of 131.52 and a payment of 117.00. And my balance is still 354.00 on a 400.00 loan. At this rate I will be still paying this 400.00 loan back a year from now. And you people have the nerve to say this is legal. I don't believe it. If I have to I will write my congressman and file a complaint against them and you. Someone better do something about this company or I will be forced to do it. Every time I look at my balance, I get angry all over again. This cannot continue and if I have to I will have to close my bank account and not pay them anymore. I don't really want to do this, because I pay my bills, but every payment I make to this company just makes me more and more mad. Please help me resolve this problem before I ruin my credit. Product_Or_Service: a line of credit loan

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the interest lowered so that the payments I make to them lowers the balance on the loan or I will not make any more payments to them. I am tired of making payments and the balance does not go down at all. They say that Cashnet USA cannot make loans to people in ********, but they make loans and call them a line of credit. A line of credit is still a loan. If this is not resolved I will resolve it myself.

Business Response: Initial Business Response /* (1001, 15, 2014/06/05) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Ms. ****** questions the legality of CashNetUSA being able to provide financial services to residents of ********. Please be advised, CashNetUSA does not provide payday loans in the state of ********. Pursuant to ******** law CashNetUSA provides consumers with an open end line of credit. A line of Credit is not the same financial product as a payday loan. On January 8, 2014, Ms. ****** opened a $400.00 Line of Credit with CashNetUSA. Ms. ****** signed her Line of Credit agreement stating she understood and agreed to the terms and conditions associated with the Line of Credit product. Ms. ****** has honored all minimum payments on her account. As set forth in Ms. ******** Line of Credit agreement, payments are applied to interest first. Per Ms. ******' agreement: "Application of Payments Payments are applied first to past due interest, fees and principal and then to interest and fees that have accrued and are payable, then to principal that is currently due and, if you prepay prior to the date a payment is due, to interest and fees that have accrued, then to principal, then to other interest." Additionally, as set forth in Ms. ****** Agreement, she will be required to make minimum payments every billing period she carries a balance. The minimum amount due on each due date will be 15% of the outstanding Principal Balance and any fees, plus all interest, or $100, whichever is greater. There is a transaction fee imposed for every advance requested. The transaction fee is 15% of the amount borrowed. Further, Interest will be charged on the scheduled Principal Balance that is outstanding each day. CashNetUSA prides itself in providing the ultimate customer experience. We ask that Ms. ****** please contact our customer service departments to further assist her with questions regarding her Line of Credit with CashNetUSA, she may contact our Customer Service Department at ************. In addition, Ms. ******* may refer back to her Line of Credit Agreement to view the terms and regulations associated with her Line of Credit. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/16/2014 Billing/Collection Issues
6/13/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Keep being asked to load different money amounts did it then when i asked questions ***** was getting smart, hung up on me 7 times & was yelling at me I used 2 reloadit cards from save alot. The sales Rep/manger was very very rude & i want be doing anymore business with this company because of this experience.

Desired Settlement: I just want the money back i spent with this business and the $3.95 i had to buy for both cards.

Business Response: Initial Business Response /* (1000, 15, 2014/06/02) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ******** has an account with CashNetUSA. Please be advised that we are able to offer one loan at a time. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/13/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I applied for a loan online. A representative from CashNetUSA contacted me for a loan for 1000 dollars. The representative told me to purchase a "********" card with 170 dollars deposited in the card. After contacting them they said I couldn't get the loan ,after taking the 170 dollars, until more money was deposited onto the "********" card. I did not do this step and proceeded to file complaints to the BBB and other authorities.

Desired Settlement: I want a full refund and the business to close down so other will not be scammed like myself.

Business Response: Initial Business Response /* (1000, 15, 2014/06/02) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Mr. ****, however we are unable to provide loan services to the consumer at this time. Please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of *******. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I receive a email from Cash Net USA loan servicing saying that I have been approve for $2,000.00 - $5,000.00 loan. I called the number that was provided on the email, and spoke to *******. He ask me how much loan will I need I told him $2,000.00. I was then instructed to purchase a ***** Dot Money Pak in the amount of $123.00 for a security deposit. I was told to call back and the funds will be deposit into my account. I purchase the ***** Dot Money Pak from **** *** which the store #XXXXX P O Box XXXX XXth & **** Streets West ****** ** XXXXX (XXX)XXX-XXXX. I purchase the ***** Dot Money Pak and called back speaking to ******* again giving him the number off the back of the Pak. Was told by ******* to stay on the line for fifteen to thirty minutes for him to verify the information of the Pak. When ******* came back on the phone I was told that due to my low credit score that I will have to pay another $158.00 for an electronic transaction fee. I purchase another ***** Dot Money Pak, was told that this was all I need to do and nothing else has to be done. I called back the second time and spoke with ******* again was told by ******* to stay on the line for another fifteen minutes for the Pak to be verify. When he came back to the phone I was told that I will have to pay another $235.00 for insurance fee. I told them that I will not pay anything else due to they have already said that there were nothing else for me to do on my end, and the funds will be transferred into my account. I was instructed by ******* to call the loan department and speak with ***** ****** his phone number is (XXX) XXX-XXXX, I spoke with ***** and he basically said that I had to pay the $235.00 in order for my loan to be transferred into my account. I told ***** that I will not pay anything else to them. I ask for a refund and was told that I could not get my money back due to I cancel the loan that never went through in the first place. I called ******* back and was told that I will have to wait for 40-45 days for a refu Product_Or_Service: ***** Dot Money Pak Account_Number: Control No: XXXXXXXX

Desired Settlement: DesiredSettlementID: Refund I will like a refund immediately for the money that they received from me and for this company to be known as a fraud to other consumers. I forgot to put the loan approval number in the first section. ********

Business Response: Initial Business Response /* (1000, 15, 2014/06/02) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Mr *****. Without an account we are unable to initiate any contact. In addition, please be advised that CashNetUSA online offers a Line of Credit with a maximum approval amount of $1,800.00 for a new customer in the state of ********. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a call on May 30, 2014, from cash net USA asking if i were still interested in getting a payday loan, I gave them the required information needed including my debit account number, at approxmately 2 pm i received a alert on my phone from my bank, alerting a debit of $850.00 was debited from my account from cash net USA, and I never received a payday loan from this establishment..they just took money off my debit card without my authorization. i made several attempts to contact them but was unsuccessful.

Desired Settlement: to refund my 850.00, without any problems or i will call the indiana or illinois state attorney generals office for further action, to implemented.

Business Response: Initial Business Response /* (1000, 5, 2014/06/02) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms. ****. Without an account on file, we are unable to initiate contact. Please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of Indiana. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. You should immediately notify your bank or card company. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/10/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was approved a loan from this company and was told to send cash in the amount of $175 to the company in cover the insurance on this loan. They instructed me to call them when I purchased a moneypak green card and go outside and give them the number and then they would call ***** ***** so the money could be transferred into my account. I followed the instuctions and then I received a call from ***** ***** requesting $700 more dollars. I immediately called ***** ***** 800 number and I was told that they did not request money for loans to be transferred into an account. The next morning I went to the branch bank and the manager and I went online and this company had SCAM on it and several people I been done the same way. I called the company and spoke with a gentlemen by the name of ******* and he said he would refund me the $175 and I should receive it within 5 to 7 busiess days. Today is the 7th day and I have not received my money. I called the company this morning and they are now telling me I have to pay $80 because I cancelled the loan with them. Its a scam and I need my money back. I was never told I had to pay $80 when ******* said he would refund me the $175.00. Account_Number: XXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need my money back. I was told I would receive a refund in that amount.

Business Response: Initial Business Response /* (1000, 5, 2014/05/30) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms. ********** Without an account we are unable to initiate any contact. In addition, please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of ***** ********* CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I applied for the regular Cash Net USA for a payday loan before, but on 5/23 the company connected me to a different extension. But then on 5/25/14, I received a phone call from this Cash Net USA with a phone #XXX)-XXX-XXXX saying that I approved for a loan and spoke to the Loan Officer in charged, which he said I would have to pay $105 to a ***** *** Money Pak and that they would put the money into my checking account in 20 mins, I said Ok So I went to a drug store and paid the amount of the Money Pak card and called them & gave them the code, then they said that the money would be in my account in 20 mins. So 20mins passed and they said that they couldn't put money into my account and that I would have to pay another $75 for a wiring fee, which I thought was strange. So I said ok, then the Loan Officer said the same thing. I was very upset at the guy and said Look I'm hoping the money would be in my account. Then he says that the money couldn't be transfered into my account and that the money will be in the Money Pak card,and that I could transfer money into my bank card. So I had to wait again for another 20mins for another call.So I called the drug store to see what their policy is.They said they couldn't transfer any money to bank card. So when I called the Loan officer again, I told him that the store can't transfer money into my bank card.I was yelling to him and said your SCAMMING ME WITH THIS. I am not paying another dime again. So he said that they money would be in my account within 24 hrs. I said Ok, it better be in there, otherwise I'm reporting this to you & the FTC and the Money Pak to see if I can get my money back.. This is really the pits...So now I don't know what to do..I hope that my checking account doesn't get ruined by this..

Desired Settlement: Well I would love for them to be honest with me and screw me over..I know I am dumb and naive, but they asked me before what is this loan for? I explain to them that I need to pay my rent and pay other bills. All I was asking for $1000 for a personal loan..

Business Response: Initial Business Response /* (4000, 10, 2014/05/30) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. **** has an account with CashNetUSA, however we are currently unable to provide her with loan services. Please be advised that we offer a maximum payday loan amount of $255.00 for eligible customers in the state of **********. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3000, 8, 2014/05/30) */ Gigidarling <***********@gmail.com> Thu, May 29, 2014 at 11:52 PM Reply-To: *********** <***********@gmail.com> To: ********* *******" <*******@chicago.bbb.org> I want my money back.

6/10/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I contacted this company for an installment loan of $5000. First, they charged me a fee to be paid with a green dot money pack of $500. This was for "fees" in processing the loan. Then they told me that the Federal Reserve System blocked the transfer due to my credit history and the loan amount. The only reason I went with this company was because they guaranteed help for people with low credit scores. So they said I had to send another green dot money pack of $350. Then they said that their company "accidentally" put the money into their own account instead of mine, but they could get it to me through Western Union Which I had to pay another $310. Then they said that Western Union would not activate the transfer because I had left my middle name off of the forms. No one ever asked me for my middle name and it is also not asked for on the Western Union forms. So I sent them another $310. I take full responsibility for being so stupid, but I would hate to see this happen to anyone else. I don't know what can be done. I spoke to ************* today with the company and demanded that he return all these fees to me. At the very least, I feel they owe me my initial payment back because they never funded my loan. Can you help, or is there anything else I can do?Product_Or_Service: Installment Loans

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: RefundI would like ALL money I have given them returned to me, but at the very least, I feel that I should get my initial $500 returned because this was a fee for a loan they never processed.

Business Response: Initial Business Response /* (1001, 15, 2014/05/30) */ Response Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ******** has an existing account with CashNetUSA. However CashNetUSA does not offer Installment Loans in the state of ****** we are only able to offer Credit Access Business loans with a maximum loan amount of $1,800.00 at this time.. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been getting over 25 calls per hour for the past 3 days from cashnetusa asking me take out a loan with them. They sound like a bunch of people from ***** and when I ask them to stop calling, they say tell me to **** off and then hang up. I have tried to call their office and the phone numbers they call from do not take return calls. They claim that they are the ones who are being scammed by some other folks using their company name. This is FALSE, the people that are calling me use the same phone number and address as cashnetusa. They are one in the same and are trying to act like they are the victim. However they continue to call over 25 times per hour. I visited their web site and entered into an online chat with some claiming to be ****** ******** I gave them my phone number and ***** replied "I see Mr. ******** you are applying for a loan" He then read back address and said he had my information in his computer. I then asked him to remove my number and stop calling me because I do not want a loan. ***** then replied back saying he could find my number and he could not do anything about it because I am not in their system. I guess he is too dumb to realize that I only gave him my number and he pulled up my info. I want this to stop and for them to stop calling me.

Desired Settlement: I want them to remove my number and information from their database and stop calling me.

Business Response: Business Response /* (1001, 15, 2014/05/30) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Mr. McDaniels. Without an account we are unable to initiate any contact. In addition, please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of *******. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted this company after receiving an email ad. I talked with a Mr. ***** ***** mainly. I was requesting a business loan in the amount of $26,000.00. Over a two week period Mr. ***** would call and tell me that my loan was ready to deposite into my account...just needed $500.00 to start application, refundable. Next it was 429.00 transfer fees. Now I was getting very suspicious and doubting my judgment in working with this company. After several instances where funds were needed (prepaid card only)to get this loan processed ($1700)nothing happened. Yesterday I received a call that my account had a red dot and $700 was needed to start processing. I told another associate that I owed no more money and was told that the monies that were sent to Mr. ***** ***** were not recorded. but if I sent another $700 they would deposit check into account

Desired Settlement: I am requesting a full refund for all the monies that I paid this company in good faith. They basically took my dream and shattered it with promises that I would get this loan. I feel so stupid for continuing to send funds (prepaid card) but I was hoping and praying that they were legitimate. they are not. I feel Mr. *********** embezzled my funds (if that is really his name.)He kept telling me not to talk to anyone but him and to give no monies to anyone but him.

Business Response: Business Response /* (1001, 15, 2014/05/30) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ******* has an existing account with CashNetUSA. However CashNetUSA does not provide business loans, we are only able to offer Credit Service Organization loans in the state of Ohio. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

6/9/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: this company took me for 250.00 for a loan application that was apperantly not real. I placed the money on a prepaid card like i was instructed to do. I was supposed to receive the money back in my back account within minutes however after calling repeatly and speaking with ***** ***** which was the rep taking my money, was then told that there was a problem with the application, I spoke with a supervisor and was told that to stop the application would require time and that the check would come in the mail as a refund. It has been 3 weeks now and nothing i have tried to contact them and the number is now disconnected, and then today 6/3/2014 i receive a call that they are filing a complaint on me for not repaying a loan that I never received and stopped. After I explained to the gentleman that their company took me for 250.00 i was hung up on, and can not call this number back as it is not in service either. I want my money back from this company and I want the phone calls regarding a compaliant against me for not repaying a loan that i never took out due to they took this money from me fraudently.

Desired Settlement: I want the 250.00 that i placed on this pre paid card to be placed back in my possesion. what they did was completly wrong and unethical, and after waiting patiently for 3 weeks now, I want what belongs to me.

Business Response: Initial Business Response /* (1000, 5, 2014/06/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Ms. **********, however we are unable to provide loan services to the consumer at this time. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 7, 2014/06/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept that answer, thank you, I am sure that you can understand why i would be upset with your company over this, I should have known better that something was not right with this, but needing the loan at that time seemed like it was weird to me but this gentleman kept telling me over and over that this was not a scam and that we are even on tv, so you know that we are legit. I will put this behind me and lesson well learned. Final Consumer Response /* (450, 8, 2014/06/06) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:

6/5/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I recently refinanced my mortgage and I closed on 5/21/14. I received a call from **** ******* on 5/23/14 saying that my $200K mortgage had been approved. Since I did not apply for a $200K loan I called the number. They said I applied on line which I did not. ***** at XXX-XXX-XXXX said OK he would cancel the request. I did NOT provide him with ANY information. I hung up and contacted the people who really gave me a loan and they never heard of this company.. I am concerned that they have my personal information and it may be identity fraud. I did report it to the .gov fraud website. I want it on file that I NEVER called this company, NEVER submitted an application and never made any contact with them. Product_Or_Service: never applied for a mortgage

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want a guarantee that they do NOT have my personal information and this was just a lucky cold call. I also expect them to pay the $13.95 it is costing me to monitor all of my credit reports. I am extremely upset and would truly like them shut down.

Business Response: Initial Business Response /* (1000, 5, 2014/06/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms. *********. Without an account we are unable to initiate contact. Please be advised that CashNetUSA does not offer mortgages, or loans in the amount referenced in the complaint. CashNetUSA also does not currently provide services to customers who reside in ************ CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 7, 2014/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) No one is going to do anything. One would think the company would be more concerned with people using their name to commit fraud. I provided the company with the name and phone number of the person who called me and claimed to be with them and they did nothing.

6/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 04.24.14 I commenced an internet search for "unsecured personal loans." I applied for several offers (for none of which I qualified). On 04.25.14 I was contacted by telephone by a representative of CashNet USA presumably in ************ I was subsequently presented with a loan offer for $8000.00. I completed the online application according to given instructions. The instructions included the providing of my bank and checking account information (necessary for my deposit). I was then told that I needed to provide proof of my ability to repay the loan. I was told that I should purchase a ******** card in the amount of $386.24 (the amount of my monthly installment) and then provide the finance officer the Pack Number to verify the balance. On 04.29.14 I purchased said ******** card with a balance of $400.00. I contacted the loan provider and told him that I was not comfortable giving him my Pack Number as doing so would give his company access to my $400.00 balance. He assured me that his company simply needed to verify the balance and that they would not molest the $400.00. My balance was subsequently verified. The company finance officer (*************) could not provide me with a loan confirmation number(due to some sort of "glitch" in the system). Mr. ******* then told me that I would have to purchase a second ******** card in the amount of $575.35 in order to obtain confirmation. I told the Mr. ******* that I was not going to purchase another ******** card and give CashNet USA access to yet another $575.35 of my money. I then called ******** to confirn my balance of $400.00. I was informed that my balance was $0.00. I recontacted the Mr. ******* and informed him of the situation with my ******** card. Mr. ******* assured me that the $400.00 would be refunded to me upon dispensing of the original loan and in order to obtain those funds, I would have to purchase the $575.35 ******** card. I informed the Mr. ******* that I was not willing to do that and that I wanted to cancel my application and that I wanted my $400.00 returned to me. Mr. ******* told me that the fee for cacellation was $400.00 and that I would not get my $400.00 returned to me.

Desired Settlement: I simply would like my $400.00 returned.

Business Response: Initial Business Response /* (1000, 15, 2014/06/03) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were able to locate an account for Mr. ********, however we are unable to provide loan services to the consumer at this time. Please be advised that CashNetUSA does not currently provide loans services in the amount of $8,000. In the state of ******** we offer the Line of Credit with a maximum approval amount of $1,800.00. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 17, 2014/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) What more can they do or say.

6/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: on 5/2/14 we received an email from ************ who said he was from cash net usa. we proceeded to put 120.00 on a money pack card. they then called back and said they needed another 174.00 because of the credit rating. so we put the money on another money pack card. they then called us and said they couldn't deposit the money into our account and it would have to be ******* *****ede and it would cost another 324.00. we then told them to stop the laon process and put the money back into our account. they asked for the card number exp date and sec code. told us they would have the money in our acct in an hr. a sup then called back and said we could stop the laon for another 110.00. we never got any money or received the loan. we are out 324.00 which was our bill money Product_Or_Service: short term loan Account_Number: ********* Re: BBB Complaint Case# ******** (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXX) 1 message ****** ****** <*************@gmail.com> Fri, May 30, 2014 at 1:15 PM To: "Better Business Bureau (Do Not Reply To This Email Address)" <***********@bureaudata.com> We have not heard from this business concerning this matter

Desired Settlement: DesiredSettlementID: Refund we just want our 324.00 deposited back into our checking account

Business Response: Initial Business Response /* (1000, 9, 2014/06/04) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. With the information provided we were unable to locate an account for Ms ******. Please be advised that CashNetUSA does not currently provide loan services for consumers who are residents of the state of ***** CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. Some prepaid debit cards are able to help you - check with them immediately to see their policies. We are not sure if you will be able to get your money returned. Please contact the company to see if they can help you. For your reference, CashNetUSA does not accept GreenDot prepaid debit cards as a method of funding or payment. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 11, 2014/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)

6/3/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was trying to the loan and I paid 525 in interest for the loan to be deposited into my account when all of a sudden I was denied and they wanted more money to ******* ***** it but couldn't give me a refundProduct_Or_Service: loanOrder_Number: XXXXXXXXXXAccount_Number: ******

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: RefundI just want the $525i put out back

Business Response: Initial Business Response /* (1001, 15, 2014/05/30) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. Our records indicate that Ms. ****** applied for a loan through a third party marketer on March 29, 2013. Her application was submitted to CashNetUSA, however we were unable to assist her with a loan at that time. Our records indicate that there was no direct contact with the customer. CashNetUSA is not associated in any way with the persons referenced in this complaint who are posing as consumer lenders. These persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services to these consumers. CashNetUSA does not require or request any down-payment or advance fee in order to apply for or receive a loan. CashNetUSA has no knowledge of, or control over, these individuals falsely posing as lenders and demanding a down payment or advance before extending a loan. Therefore, and unfortunately, CashNetUSA cannot prevent them from calling the consumer. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (3001, 17, 2014/06/03) */ Fwd: Regarding Loan... these ate the people who too $525.00 from me 1 message ********* ****** <**********@gmail.com> Tue, Jun 3, 2014 at 10:25 AM To: *******@chicago.bbb.org Forwarded message From: ******* ********* <****************@gmail.com> Date: Jun 3, XXXX X:XX AM Subject: Regarding Loan To: Cc: Inline image 1 Hello Customer, Thank you for showing your interest in the Loan with our company CashNetUSA and this is the confirmation e-mail to let you know that the loan application you applied for has been approved. Your loan has been approved for the maximum of $7000 and the minimum is $1500, and your Loan Account Number is SBXXXXXXX Please call us back on our number or reply to this e-mail so that we can call you and explain you the terms and condition of this loan. Also we have mentioned below the monthly installment plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments. For $2000 Loan, Total Pay back $2190, Monthly Installment $ 91.25 for 24 Months For $2000 Loan, Total Pay back $2190, Monthly Installment $121.66 for 18 Months For $2000 Loan, Total Pay back $2190, Monthly Installment $182.50 for 12 Months For $2000 Loan, Total Pay back $2190, Monthly Installment $219.00 for 10 Months To know more about monthly installment plans for this loan amount please call us back on the number below. Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for. For more information you can get back to us on our number (XXX)-XXX-XXXX on ****************@gmail.com We look forward to hear from you. Thanks and regards, ***** ******** Sr. Loan *************** (XXX)-XXX-XXXX Final Business Response /* (1001, 20, 2014/06/03) */ We have reviewed the updated information supplied with the complaint. We are sorry that you have had this experience, however please be advised that the email submitted did not originate from CashNetUSA. There are several discrepancies with this email that we would like to point out: 1. Please be advised that emails from CashNetUSA do not come from a gmail account. 2. Any correspondence would include our toll free numbers associated with our Customer Service or Application Support Department which can be seen under "Contact Us" on www.cashnetusa.com. The phone number provided has an area code from ****** our call centers are located in ********* 3. We do not have an employee by the name of ***** ******** 4. Our account numbers, or customer ID numbers, do not include a letter. 5. The maximum loan amount that we can offer in Texas is $1,800.00. We understand your concern, unfortunately this communication was sent by a fake lender. On March 18, 2014 when the consumer contacted us in regards to this concern, we advised her of the fake lender. We sent an email to the consumer to advise her on her available options to try to recoup her funds. The consumer may refer to that email, as well as the email sent when advising them we were unable to provide a loan on April 27, 2013, in order to view the differences in emails sent from CashNetUSA. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

5/30/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This account was paid in full on 12/19/2012 account # XXXXXXXX. A copy of the cashier's check has been provided to them and they acknowledge receiving and cashing the check for payment in full. They have sold the account to several collection agencies after the debt was paid and has refused to update their records with these agencies

Desired Settlement: update my account as paid in full in their system and notify ******** ************* LLC, *** and Associates and any other collection agency that this was sold to

Business Response: Business Response /* (1001, 15, 2014/05/28) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. On September 30, 2011, CashNetUSA arranged a $500.00 CSO loan for Ms. *******. Ms. ******* has not made any payments on her account balance. After being a delinquency status for over 90 days, on January 26, 2012 CashNetUSA sold the account to a third party debt buyer, ************************ (***). The direct contact number to *** is ************. Once an account has been sold, if CashNetUSA receives any payment on behalf of a customer, CashNetUSA forwards that payment to the company that purchased the account. On December 19, 2012, CashNetUSA received a payment from Ms. *******; which is eleven months after we sold the account to ***. As such, CashNetUSA forwarded the payment to ***. CashNetUSA has not attempted to contact Ms. ******* or collect on her account since we sold the account to *** on January 26, 2012. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Consumer Response /* (3000, 18, 2014/05/28) */ I don't know who *** is, but ********************* and ** & Associates both claim the account was sold to them by CASHNET. I am not satisfied as the original creditor who received the payment it is their duty to not sell the account to multiple collection agencies Business Response /* (4000, 20, 2014/05/29) */ Thank you for forwarding the customers correspondence to our attention. As previously mentioned, on January 26, 2012, CashNetUSA sold the account to a third party debt buyer, ************************ (***), which is eleven months prior to receiving a payment from Ms. *******. As such, CashNetUSA forwarded that payment to ***. Contrary to Ms. *******'s assertion, CashNetUSA has not repeatedly sold her account. Unfortunately, CashNetUSA cannot confirm the status of Ms. *******'s account with ***. We do recommend that Ms. ******* contact them directly to inquire about her account status with their agency. The direct contact number to *** is ************. We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.

5/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On today, April 29,2014 I received a reminder that a loan with CashNet USA will be due on 05/01/2014. Customer ID#: XXXXXXXX, Loan Amount $400.00, Due Date: 05/01/2014, Total Amount Due: $460.00. I have never heard of CashNet and have not asked for a loan in the amount of $400.00.

Desired Settlement: I have not heard of CashNetUSA nor have I taken out a loan with CashNetUSA. I would like for them to not contact me.

Business Response: Final Consumer Response /* (450, 9, 2014/05/27) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: I continue to hear from CashNETUSA.

5/9/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Money was deposited in my checking account. I was unaware until checking my junk mail. I DID NOT request this amount. I called the company. They sent me an email to change my password and how to contact them to take back the principal amount. I followed their directions and called my bank. They can freeze my account but them CashNetUSA will be unable to get their funds. Called back to check the status. They hadn't received the e-mail yet so the company resent their e-mail. I responded. The worker said they got my e-mail and I would have file a police report due to me saying that I hadn't accessed my account to receive these funds. I haven't! They sent another e-mail staying such. I filed a report and will send it per fax like they suggested. I will also change my bank account send all correspondence to the company

Desired Settlement: I want the principal amount removed from my account as requested. No additional money should be charged from my account.

Business Response: Initial Business Response /* (1000, 10, 2014/05/08) */ Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution. This complaint has been resolved. Ms. ******* was a returning customer of CashNetUSA. According to our records, on April 16, 2014, CashNetUSA arranged a $1,400.00 CSO loan for Ms. ******* after receiving a loan application completed using her personal information. Subsequently, Ms. ******* asserted that she was the victim of identity theft and advised our identity theft/fraud department that she will be returning the principle balance to CashNetUSA. On April 18, 2014, we received notification that the principle balance was returned to CashNetUSA. On May 8, 2014, our fraud department accepted Ms. *******'s identity theft claim. Ms. ******* does not have an outstanding account balance with CashNetUSA. The account opened in Ms. *******'s name with CashNetUSA has been updated to reflect this information. We truly apologize for any confusion or inconvenience this matter has caused Ms. *******. It is our goal to resolve customer concerns with satisfactory results and we hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us. Initial Consumer Rebuttal /* (2000, 12, 2014/05/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

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3/31/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed an amount of $600.00 on December of 2012, so far i have paid them $507.00, which so far $60.00 of that has gone toward my principal balance. My payment that i make is $126.99 twice a month. Their explanation for this is that not only am i being charged interest inbetween payments but i am still being charged a finance charge on top of this. With that being said if I continue on the scheduled payments over the next seven payments i will have paid them over $1500.00 for a loan amount of $600.00. I understand that i have to pay interest on a loan but almost a $1000.00 in interest is unethical. This is not explained to you when the loan is being processed, they make it seem that once you make ur scheduled payment each time you will paying down on your loan not including the deduction for other charges. If I had this kind of money to give to them i would not had to seek them out in the first place!

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to change their overall business practices....their collections methods should be more reasonable for consumers.

Business Response: Initial Business Response /* (1000, 2, 2014/03/06) */

******* ********

BBB XXXXXXX

 

Thank you for forwarding Ms. *******’s complaint to our attention. We take all complaints seriously and make every effort to implement a fair and reasonable resolution.

 

Ms. ******** obtained a line of credit from CashNetUSA on June 13, 2013. At that time, as required by the Truth in Lending Disclosures we stated on the first page of her contract the following information:

 

Amount borrowed $600.00

Finance Charge $923.66

Total of Payments $1523.66

 

We would be more than happy to submit to the BBB a copy of the contract where the information is clearly and legibly stated.

 

Thank you for the opportunity to address Ms. *******’s concerns. 

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12/20/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have enrolled in the Pay Support Center, I want decreased or deleted interest on my loan, and not more calls, program starts on 12-21-13.

Desired Settlement: DesiredSettlementID: Other (requires explanation) X-XXX-XXX-XXXX enrolled through Jennifer Acct XXXXX, Pay Support Center, decrease or delete interest charges on my loan.

Business Response: Initial Business Response /* (1000, 2, 2013/12/12) */

Thank you forforwarding this customer complaint. We take all complaints seriously and makeevery effort to implement a fair and satisfactory resolution. 

On May 15, 2013, Ms. **** opened a $450.00 Line of Creditwith CashNetUSA. Ms. **** signed her Line of Credit agreement stating that sheagreed to the terms and conditions associated with the Line of Credit loan.

On December 9, 2013, Ms. **** contacted our Collections departmentand asserted that she is enrolling in a Credit Counseling service.  As such, CashNetUSA advised Ms. **** that shewould need to submit a power of attorney authorizing the credit counselingcompany to act on his behalf and that we would then update his accountaccordingly.

Unfortunately, Ms. **** has not provided the requesteddocumentation demonstrating that she has engaged in credit counseling. Therefore,collection efforts will continue.

CashNetUSA will be happy to work with the Credit Counselingservice upon receipt of a Power of Attorney (POA). CashNetUSA strives toprovide the ultimate customer service and will honor Ms. ****?s Cease andDesist request effective immediately.

We hope that thisresponse resolves this complaint and answers any questions that your officehas. If we can provide any additional information, please contact us

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Customer Review(s)

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Customer Reviews Summary

12 Customer Reviews on CashNetUSA
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