This business is not BBB accredited.

American Web Loan

Additional Locations

Phone: (877) 636-1353 Fax: (855) 275-9717 View Additional Phone Numbers 2128 N. 14th St, Suite 1 #130, Ponca City, OK 74601 http://www.AmericanWebLoan.com ! There is an alert on American Web Loan !


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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 affect the rating for American Web Loan include:

  • Business has failed to resolve underlying cause(s) of a pattern of complaints
  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 393 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

393 complaints closed with BBB in last 3 years | 87 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 234
Billing/Collection Issues 37
Delivery Issues 56
Guarantee/Warranty Issues 0
Problems with Product/Service 66
Total Closed Complaints 393

Additional Complaint Information

Consumer complaints received by BBB allege: billing and collection issues, refund issues, concerns with sales practices, and unsatisfactory customer service. The majority of the complaints pertain to confusion regarding the terms and conditions of the loan as well as the consumer's obligation to repay. This uncertainty subsequently creates late payments, defaulted loans, or calls to customer service in order to obtain clarification. Moreover, many consumers allege unauthorized automatic withdrawals of payments from checking accounts; or when the loan has been paid in its entirety consumers allege the continuation of unauthorized automatic withdrawals from checking accounts.

Often, the business' collection efforts result in contacting complainants' references inappropriately, inappropriate voice-mail messages, or verbal misrepresentations. Many consumers overpay resulting in requests for refunds. Although these requests are met with compliance, the long delay and subsequent breakdown in communication from the business results in consumer complaints filed with BBB.

Consumer complaints also reveal a pattern of issues regarding sales practices: many complainants allege verbal misrepresentations regarding the terms of the loan, prior to the consumer actually agreeing to the loan. Generally, after the loan is received previously undisclosed charges and/or payments are automatically withdrawn out of the complainant's account, which often result in negative balances and/or overdraft fees. Complainants also allege exorbitant interest rates that sales representatives neglect to disclose; and/or neglect to explain how payments will be applied towards the loan in regards to principal or interest.

BBB contacted this company concerning its pattern of complaints on September 11th 2013 and again on November 7th 2013. BBB asked the company to address the concerns BBB outlined and also provide steps the company will take in order to prevent future complaints of the same nature. The business has not responded to BBB concerning these matters.

Customer Reviews Summary Read customer reviews

20 Customer Reviews on American Web Loan
Customer Experience Total Customer Reviews
Positive Experience 3
Neutral Experience 0
Negative Experience 17
Total Customer Reviews 20

Additional Information

BBB file opened: January 13, 2011 Business started: 10/10/2010 Business started locally: 10/10/2010
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Department of Consumer Credit
4545 N Lincoln Blvd Ste 104, Oklahoma City OK 73105
http://www.okdocc.state.ok.us/
Phone Number: (800) 448-4904

Type of Entity

Corporation

Business Management
Otoe-Missouria Tribe of Indians, Owner Ted Grant, President Connie VanDusen, Manager
Contact Information
Principal: Otoe-Missouria Tribe of Indians, Owner
Customer Contact: Connie VanDusen, Manager
Business Category

Payday Loans Loans Financial Services


Customer Review Rating plus BBB Rating Summary

American Web Loan has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of B.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    2128 N. 14th St, Suite 1 #130

    Ponca City, OK 74601 (888) 913-7134 (877) 636-1353

  • THIS LOCATION IS NOT BBB ACCREDITED

    7490 Highway 177

    Red Rock, OK 74651

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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)

9/25/2016 Problems with Product/Service
9/18/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I opened this payday loan over the phone with promise of only doing bi-weekly payments in the amount of $83.27 in May 2016 with the balance paid within 6 months. What happened to that?! This was the verbal agreement. However payments of $83.27 have been coming out weekly, and the documentation states the withdrawals will continue until Feb 2017. I've already paid them $1250 towards the $800 that I borrowed. If they continue to withdrawal funds until 2/2017 I will be paying them over 3k for an 800 payday loan. This is disgusting and NOT what I had agreed to! This is almost 4 times the amount of the loan. Extreme predatory lending at it's finest. You should be ashamed of yourselves.

Desired Settlement: You've got your total back plus an extreme amount of interest paid towards the loan. Please close my account and cease further withdrawal from my checking account.

Business Response: We are in receipt of complaint #********.  We attempted to contact Ms. ******* * ****** on 09/06/2016 and 09/07/2016, we left messages for a return call since both attempts were unsuccessful.  We have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. ******  we can amend the response.

9/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company is a joke, I have requested this contract me terminated and a CEASE & Desist on my account I live in Massachusetts pay day loans are illegal and after reading this idiotic contract they have I cancelled this account they still have continued to call and deny ever receiving my information I requested a deferment and they did not follow through and told me tough they received the information for deferment and had it in their system I called to verify and they told me that oops we didnt get it in the computer fast enough so there is nothing we can do, in AWL contract it clearly states that if they do not follow through or accept your request they will be held liable. I am in awe of how ridiculous this place is and plan on going through every step possible to get these idiots. I no longer want them to contact me on my cell phone or my work phone, they have also sold my information to all different spam and telemarketing companies

Desired Settlement: CEASE & DESIST any further contact except a follow up email terminating the contract and removing my information

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Mrs. ****** *****.  As of 08/29/2016 the concern has been resolved.  

9/7/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan in the amount of $900.00 on 05/10/2016. I was told I would be making twelve payments at $273.84 bi-weekly. I have paid a total of $1095.36. I checked the website on 08/23/2016 to see what I had left to pay. The online account shows a balance of $828.14, left to be paid. Where is all my money that they have been debiting from my checking account bi-weekly? This is not right. I sent an email to them on 08/15/2016, and to this date no one has responded. I feel that they are trying to take advantage of people. My account is negative because of this situation. American Web Loan keeps trying to charge my account and my bank keeps tacking on overdraft fees.

Desired Settlement: I want my account closed and marked paid in full. I would like all future charges to my account to stop.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ****** on 08/25/2016 and 08/25/2016.  However, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. ******, we can amend the response.

Consumer Response:


Complaint: ********

I am rejecting this response because:

   I have not answered their calls because all communication regarding the loan will need to go through my attorney. If you would like to discuss this information with my attorney, his contact information can be found below. Have a nice day.

**** ********** *** ****** *** ****** ****** **** *** *** ********* **  ********** *** ***** ********  
Sincerely,

***** ******

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ****** on 08/24/2016 and 08/25/2016 regarding the issue/concern he has with American Web Loan; we left messages but had no reply.  We have now learned, through The Better Business Bureau Site, Mr. ****** declined to speak with American Web Loan due to him having Attorney Representation.  Our Resolution Staff will no longer be able to address any issue/concern for Mr. ******.  We have forwarded the Attorney Information to our Company Legal Staff; they will follow up with Mr. ******’s Attorney to arrive at a resolution.  Please let us know if you have questions or concerns. 

9/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been receiving phone calls from a collection agency, threatening jail time for not repaying payday loans. The caller did not identify himself at first; then after having me on hold for about 15-20 minutes, the next person did not identify himself either stating that federal laws do not allow him to tell me anything until I identified myself. He stated that someone who be coming to my house today with documentation of a law suit in the next few hours unless payment is made by phone immediately. He stated that criminal charges have been filed in a in my state according to federal laws. I told him that I would look over the documents and call back. He stated that he was giving me the opportunity to set up payment right now over the phone or this could not be settled after I get the documents. I was really frightened that I could not pay this bill right now. He told me that he was aware that I could pay this back and that I had to take care of it over the phone at that time or other actions will occur with the documents. They have also called my job. I have made several payments every two weeks for months. Nothing I paid went towards the loan. I now owe more than double the amount I asked for. I can not afford to give them any more money.

Desired Settlement: I want them to stop calling and harassing me at home and on my job. Thanks

Business Response:

We are in receipt of complaint #********.  The account for Ms. ****** ********* is currently owned by a third party.  We attempted to contact Ms. ********* on 08/19/2016 and 08/22/2016.  However, we have not heard back from Ms. ********* concerning why she has any issue/complaint with American Web Loan.  We are available to speak with Ms. *********, we can be reached at ************ Monday through Friday, 8:00a.m. to 5:00p.m. CST. 


8/28/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am so aggravated with this company. I took out a loan for $1300. This was at the beginning of May. I make my payments on time each week of $141 and some change. Today (8/9/16) I called to see what my payoff amount would be. They are telling me that my payoff amount is $1411. I don't see how over 3 months into a loan I have been paying on I owe more than I did starting off even with the interest. (which the interest is what is applied first) so how can it be for more than the actual loan? This makes no sense. Everyone should beware of this company and its scams.

Desired Settlement: I want my payoff dropped back down to at least the original borrowed amount. I feel they have gotten more than enough in interest from me in the 3 months I have had the loan. I want my information with this company destroyed and I do not EVER want to hear from them again.

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Ms. ******* *********.  As of 08/10/2016 the concern has been resolved.  

Consumer Response:


Complaint: ********

I am rejecting this response because:

While we did reach an agreement for me to pay $900 to close this account out forever, I paid the agreed amount on Monday 8/15/16, then the company turned right around on Friday 8/19/16 and took out the regular payment of 141.48 causing my bank account to overdraft for a payment that I was told would not be coming out.

Pending...AMERICANWEBLOAN$141.48


Sincerely,

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

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Ms. ******* *********.  We have reviewed Ms. *********’s account and acknowledge an error has been made.  We are in the process of correcting this error.  If Ms. ********* has additional questions, we can be reached at ************, Monday through Friday, 8:00a.m. to 5:00p.m. CST.   


8/23/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received an $800 loan from American Web Loan (AWL) on 5/27/16. It was been brought to my attention that Internet loans such as yours are illegal in the State of ********. I have been in contact with counsel and they have verified that loans without a licensed exemption to the statute established limit of 12% annual interest rate are illegal therefore the loan is contract invalid. I notified AWL in writing that I was revoking ACH authorization and changing banks on 6/12/16. On 6/17/16 I notified AWL in writing that to date, I received a deposit of $800, and have had 2 bi-weekly withdrawals of $216.00 debited from my account. This results in a principal $368.00. Moreover I stated that although I am not obligated to I was willing to pay the remaining principal balance of $368.00. Furthermore I demanded that any contact was to be made by email or US mail. To date I have received three template emails in response that they have been unable to contact me despite "numerous attempts" (reading the complaints this seems to be a common claim made by AWL) and accusing me of being "indifferent". This is factually inaccurate and disingenuous at best as I initiated contact and have responded to all emails. I have however received multiple phone calls from "spoofed" local numbers to include, hang up, 4 minute long empty voice mails and two messages to call them back, despite repeatedly saying ALL communication will be in written. Moreover after getting a "spoofed" call with a 202 area code a relative received a call from a "spoofed" 202" area code laced with profanities, threats and nonsensical rambling about "warrants", "fraud" and "arrest" from an individual claiming to be a US Treasury Agent. The unwelcomed calls and the threatening call were both reported to authorities. I am not accusing AWL of the threatening call by any means but it is an odd coincidence. "Spoofed" area codes commonly used by treasury fraud perpetrators may not be a smart idea. To date they have not acknowledge my offer.

Desired Settlement: Acknowledge my written offer. Cease and desist with any and all telephone calls to my phones, both work and personal as well as any people regarding this matter. I will not communicate in any manner other than written communication with AWL for documentation purposes. Frankly at this point my original offer is almost off the table and I will opt for option two.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ******* ****** on 07/26/2016 and 07/27/2016, we left messages on each attempt requesting a return call.  However, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. Inscho, we can amend the response.

Business Response:

We are in receipt of complaint #********.  We have sent another email to Mr. ******* ****** and attached the requested document for his review.  We have also provided our information, however, we have not heard back from Mr. ****** regarding his issue/concern with American Web Loan but we await his return call or reply.   We can be reached at ************ from 8:00a.m. to 5:00p.m. CST Monday through Friday.  


Consumer Response:


Complaint: ********

I am rejecting this response because:

I did receive the requested documents from American Web Loan. However, American Web Loan continues to refuse to communicate in writing other than the redundant emails deceptively implying I have been unresponsive. American Web Loan stated in its most recent, and first non-template communication, “have tried to reach you by phone and email but booth attempts have been unsuccessful”.

 The fact of the matter is I have repeatedly written them only to receive  the same response, call us and this email is in response to your communication we allegedly never receive.

Sincerely,

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

8/22/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i have as of 2 and a half months ago taken out a loan in the amount of $1000.00.I took this loan out as i needed car repairs to return to work. I was FIRST told that i was approved for 1500 waited 24 hours and then i was told i was only approved for 1200. in the end i was only approved for 1000 which was fine. i have recently talked to representaives ther and they have informed me i could pay it off sooner BUT the amount STILL remains the same. i have NEVER been late on a payment but yet i am being charged i was told %606.90 interest. my pay period payments are $250.71 EVERY two weeks. i have been paying ON TIME for the last two to three months. i understand making money off interest thats the way loans work. but MORE than doubling your money as an inerest rate THAT high??? this is probably THE WORST i have ever been taken advantage of in my life. as of now i have paid them MORE than double of what i borrowed. i have NO idea how this is even legal. Almost considering how much cheaper it would be just to quit paying and face legal ramifications to see how well charging someone %606.90 holds up. WILL NEVER USE THIS PLACE AGAIN NOR REFER ANYONE. On the contrary though i WILL be letting others know NOT to use this company.

Desired Settlement: would ABSOLUTELY appreciate a disgarding of the whole thing marked as PAID seeing as i HAVE paid the loan back and they have profited THE SAME AMOUNT AS MY LOAN AND THEN SOME. Charging ANYONE this high of interest is almost robbery and for taking advantage of people while they are already down seems like a pretty shady business practice. again they have gotten the original loan back WITH more than 100 percent interest. this SHOULD be DONE.

Business Response:

We are in receipt of complaint #********.  We had the opportunity to speak with Mr. **** ***** ******** on 08/19/2016.  However, Mr. ********** time was limited and he promised to return our call at his earliest convenience.   We are available to speak with Mr. ******** concerning why he has any issue and/or complaint with American Web Loan, we await his return call.  We can be reached at ************, Monday through Friday, 8:00a.m. To 5:00p.m. CST.   


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,

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

8/21/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On April 27 I got a loan of 500.00 from American Web Loan, everything was over the phone and signed the paper by email. I was told, they were going to deduct 148.65 from my checking account. The first deduction was on May 19. Later when they made another deduction on Jun 02 I contacted them asking why; if it was suppose to be deduct every month and they told me the deductions are twice a month. The third deduction was on Jun 16, and I contacted them to find out my balance. For my surprise they told me that whatever I had paid (total $445.95) it’s been only for interest. That I will finish pay by Nov 3. I know I messed up because did not read anything; but what of kind of interest are they charging me by paying 445.95 on interest for 500.00 in 50 days, less than two month. Please I need your help, I don't want to keep anybody money, but if they were explained to me that I was going to end up paying 1932.00 for a loan of 500 I will never do it. Thanks, ******* *****

Desired Settlement: repaid the 500 with a reasonable interest rate on 500 for two months, in which I have paid 445.95 already.

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Mr. ******* *. *****.  We had the opportunity to speak with Mr. ***** on 06/21/2016 regarding his issue/complaint with American Web Loan.  As of 06/21/2016 the concern has been resolved.  


Consumer Response:


Complaint: ********

I am rejecting this response because: I DID NOT AGREED with their resolution. they wanted me to pay 500.00 RIGHT AWAY, IN ADDITION TO THE 445.95 I have already paid. That will be a total payment of 945.50 for a loan of 500 with an interest of 445.95 for 55 days; what kind of resolution is that? I want a fair resolution, with a fair interest rate on a loan of 500 for a period of two moths. I want then to send me any resolution by email on waiting, nothing over the phone, because I do not trust them. 


Sincerely,

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

Business Response:

We are in receipt of complaint #********.  We sent a Resolution Email to Mr. ******* *. ***** to address his issue/concern he has with American Web Loan.  We feel this resolution is in the best interest of Mr. ***** and our company.  However, we have not heard back from Mr. ***** as to his acceptance of the resolution or if he has questions/concerns.  Mr. ***** is welcome to contact us at **************.  Let us know if you have further questions or concerns.

8/6/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I filled out the application attempting to find out what my options were for a loan. Instead of giving any information, I was told to call a number to further my application. I received a call from this business at 11 p.m. on Aug. 1 which I didn't answer. A female left a voicemail and gave me a number to call back. When I got to work at 630 a.m. on Aug. 2, I was told by my co-worker the business had called several times during the night wanting to speak with me and the female was unprofessional (hateful). I have tried 3 different numbers - including the one given on my voicemail - to reach a person to have my contact numbers removed. I have not been able to reach a person, but only get a recording and then music.

Desired Settlement: I want this business to quit trying to contact me. Calling at night is bad enough, but calling my place of employment numerous times during the night is unacceptable. Thanks in advance.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ******* ******** to inform her we withdrew her application and no further calls will be made to her on behalf of American Web Loan.  We have not heard back from Ms. ******** regarding any additional issue and/or complaint with American Web Loan.  If Ms. ******** would like to speak with us, we can be reached at **************, Monday Through Friday 8:00a.m. to 5:00p.m. CST.  

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.

However, my request was for them to stop calling me. They admitted trying to call me again to discuss the complaint. That is STILL calling me.

I do appreciate your assistance in this matter.


Sincerely,

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

 

8/5/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Do not ever take a loan out from this company unless you have the means to pay the loan off immediately!! They will take a set "payment" from you every two weeks until the loan is paid off. The "payment'" is completely interest, nothing goes towards the loan balance. The represenative that I spoke with while taking out the loan did not explain this to me; so while I was paying the "payment" every two weeks (thinking it was being applied to interest and balance) my loan balance stayed the same. I ended up having numerous payment taken from my bank account thus having NSF's and seeing m interest is 356% which is illegal in the state of PA. This company is illegal a scam and sucked us right in.

Desired Settlement: Have no contact with them at all. If they try to contact me or my family I will seek a lawyer to sue to the highest extent of the laws of this country.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ***** ***** by the phone number on the complaint.  We left messages for a return call, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. *****, we can amend the response.


Consumer Response:
Complaint: ********

I am rejecting this response because: I sent them an email to resolve this matter and they have yet to respond. If they do not then I am going to sue them per my legal rights as mentioned in the email. They are operating in an illegal fashion and someone must stop them. So it seems I'm that person and so be it.

Sincerely,

***** *****

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ***** ***** again by the Phone Number listed on the Complaint.  We left a message for a return call, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan.  We are available to speak with Mr. *****, we can be reached at ************ Monday through Friday, 8:00a.m. to 5:00p.m. CST.  

8/3/2016 Billing/Collection Issues | Complaint Details Unavailable
8/1/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Until a few weeks ago I had never heard of this company. I started getting collection calls from them, so I told them to send me a letter. I was told they already had sent me a letter. I never got one. Today I find a collection from this company on my Equifax credit report. I can only assume that this is some kind of scam.

Desired Settlement: Also I want this collection removed from my credit report.

Business Response:

We are in receipt of complaint #********.  We had the opportunity to speak with Mr. ***** ****** ******* **. on 07/13/2016 and tried to discuss his issue/concern.  We tried to provide current information to Mr. ******* but he refused to accept it.  In addition, we reminded Mr. ******* of previous conversations with American Web Loan from 2012 regarding his account, he stated he would not repay and disconnected the call.  We are still available to speak with Mr. *******.  We can be reached at ************, Monday through Friday, 8:00a.m. to 5:00p.m.

Consumer Response:


Complaint: ********

I am rejecting this response because: While researching this company in an attempt to find out who they are, I discovered that they are well known scammers and they do not have any licensing in ****. Even if they were a legitimate company it would be illegal for them to contract for a loan in the state of ****. Therefore; if I do not receive a satisfactory resolution I will be turning the matter over to the State Attorney General, FTC, and my personal Attorney.

Sincerely,

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

7/29/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a small loan of $500 from this AWL on 11/29/2015. I have thus far paid a total of 1836.64 on this loan of $500 and now they are telling me that I yet to pay it off due to he extremely high intrest and I still owe them 828.79. I eventually put a stop pmnt on the amnt of the loan pmnt because they just kept taking it out even though I told them I was not going to pay another dime until they explained why I had now paid almost 2000 on a loan for 500 and it still wasn't paid off. now they are sending me for collections and threating to ruin my credit

Desired Settlement: At this point I firmly believe this " business " has made more than their fair share of money off of me personally, and looking at BBB websight plenty of other people as well. I want the loan/terms discontinued and no further action taken for pmnts or collections.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ****** ****** on 07/13/2016 and 07/14/2016 by the phone number on the complaint.  We left messages on both attempts, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. ******, we can amend the response.

7/25/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is a Fraud Mill. By not vetting their applicants, they might be issuing loans like parking-tickets in Manhattan. Mickey Mouse to say the least, ...with all due respect to Walt (RIP). They refer non-performing loan accounts to the Collection Agency Aftermarket. The Collection Agency Aftermarket issues Credit Agency Default Notices without every contacting the innocent party in the Fraud Scam. Ergo, they are fueling the Identity Fraud Market.

Desired Settlement: Yep, the Collection Agency Industry needs enhanced Standards of Practice. Of course we all know this...

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ** ** ****** on 07/13/2016 and 07/14/2016 via the phone number on the complaint.  On both attempts, the recording stated: “This call cannot be completed”.  However, we would like the opportunity to speak with Mr. ****** and address the issue/concern he has with American Web Loan.  We can be reached at ************* Monday through Friday, 8:00a.m. To 5:00p.m. CST. 

7/23/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Loan was opened on 04/22/2016 in the amount of $800.00. I have been making weekly payments in the amount of $93.49. As of July 7th 2016 the balance on the loan is $778.47. Only $3.38 weekly has been applied to the principal. The remaining $93.20 is paid as interest.

Desired Settlement: Discontinue weekly drafts from bank account. AS loan should be close to paid in full.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ******* on 07/08/2016 and 07/12/2016; we left messages on both attempts requesting a return call.  However, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. *******, we can amend the response.

7/20/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: American Web loan issued debt in my name to a fraudulent 3rd party in December 2015, which took countless hours to rescind. At that time I stated in writing the American Web Loans should issue any debt out in my name, but came to find out that American Web Loans fraudulently issued debt in my name again on Jun 6, 2016.

Desired Settlement: American Web Loans must: • The loan balance has been written off. • My account has been closed. • No future loans will be issued by using my information. • Any existing ACH/EFT authorizations have been cancelled

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. **** ****** on 05/21/2016 and 05/23/2016 on the number on the Complaint.  The recording advises the Voicemail Box is not set up, therefore, we can not leave a message.  Mr. ****** is welcome to contact American Web Loan or let us know when he is available to answer so we can address his issue/concern with American Web Loan.   We can be reached at **************.  Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday Through Friday. 


7/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 'American Web Loan' was not forthcoming with Appropriate Charges and Interest Rates on the $600.00 loan I received. It was explained as 6 payments of 153.95. However, they took 153.95 every two weeks when I got paid, when I realized they had taken 10 payments (1539.50)and told me that I would have to make 3 more, which for a $ 600 would total $2001.35. I tried to speak to customer service and explain what I was told and the representative told me I should have asked question to which I explained I did and that I was told it would be 6 payments of 153.95. When I told her they were not clear she just sighed at me.

Desired Settlement: I would like for my account to be closed in good standing, and for the 4 extra payments to be reimbursed.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ********* ********* on 2 separate occasions on 06/14/2016 and 06/15/2016.  However, we have not heard back from Ms. ********* concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. *********, we can amend the response.


Business Response:

We are in receipt of complaint #********, we entered our incomplete reply on 06/23/2016.  We omitted on 06/23/2016 we attempted to follow up with Ms. ********* ********* by the phone number on the complaint.  We received a message "The call can not be completed."  No other number was provided on the complaint.  During our conversation with Ms. ********* on 06/15/2016 only one resolution was offered and, unfortunately, Ms. ********* did not accept our good faith offer.  However, American Web Loan feels it is in the best interest of our business and Ms. ********* to write off her remaining balance and close her account.  Nothing further is required of Ms. *********.  We are still available to speak with Ms. *********, we can be reached at ***************  Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday. Let me know if you have questions or concerns. 

6/29/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took a loan of $500 out with these people and in May 2016 I went to the web site to see how much was left on it the website said $343.00 so a couple of days later i sent them a money order in the amount of$368.00 money order had paid in full written on it since then these people want another $198.00 which i dont owe and they refuse to stop harrassing me at work.

Desired Settlement: Just make these people stop calling me and trying to collect what i dont owe them.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ***** ****** on 06/24/2016 and 06/27/2016; messages were left on both attempts requesting a return call.  However, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. ******, we can amend the response.

Consumer Response:
Complaint: ******** I was working and when i got time off when they would be there they were gone so i'm waiting on them to contact me when i'm not driving a 18 wheeler and cant answer my phone everyone thinks that everyone else works 9-5 but that is not true they should contact people when they aren't working if they want to be contacted why aren't they there on my time 

I am rejecting this response because:

Sincerely,

***** ******

6/26/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: AWL collected all of my information and brought up a bg pop up saying I was approved and told me to go to the next page. On the next page I was told "congratulations, you are approved" with the instructions to simply call in and verbally verify the information to get my loan. I called in, verified the exact same set of information that they just told me I was approved with only to turn around and tell me I was no longer approved. When I pressed them for details or phone numbers for the home office, I got the run around and everyone blamed "the computer" for the decline when it was the same "computer" 5 minutes earlier that told me twice that I was approved. I was told TWICE that I was approved.. not pre-approved. ONly after I was declined did they start to use the "pre-approved" term.

Desired Settlement: They told me TWICE that I was approved for my loan. They need to lend me the money that they told me twice I was approved for. I don't know if they didn't like my voice on the phone or if they discriminated against me for some other reason. All I know is that they approved me and now they should do what they said they would do. No more dodging and trying to "help me understand the process"... There is no process to understand after you tell me I am approved.

Business Response:

We are in receipt of complaint #********.  An AWL representative has had the opportunity to speak on two occasions with Mr. **** ******, on 06/09/2016 and 06/13/2016. Unfortunately, due to underwriting criteria, AWL was unable to open an account and extend funds to Mr. ******.  Please let me know if you have any further questions.

6/24/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took a loan of 2500.00 on april 25th. I have been making on time payments of 203.73 for the last 7 weeks totaling 1426.11. I called today to find oit my pay off amount for 6-10-16 and was told 2691.86 will be my pay off. Even using rates of 50% which is higher than the legal intrest rate in my state there should only be 160.91 worth of intrest. while in understand this type of loan is expensive but this is true usury.

Desired Settlement: I would agree to 426.11 worth or intrest more than APR of 100 i will send them 1500 on friday 6-10-16

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ****** on 06/07/2016 and 06/08/2016.  However, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. ******, we can amend the response.


Consumer Response:

Called and left message with ****** waiting to hear back

 

 

 

Complaint: ********

I am rejecting this response because:

Sincerely,

***** ******

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Mr. ***** ******.  We had the opportunity to speak with Mr. ****** on 06/14/2016, address the issue/concern he has with American Web Loan and arrive at a resolution.  As of 06/14/2016 the concern has been resolved.  


6/16/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was checking my email and received an email from this company congratulating me on my loan. I never took out a loan with this company. They stated that I borrowed 900.00. I talked to a rep who gave me a time that the loan was taken out which was incorrect because I was at my sons graduation ceremonies at that time. I also stated that the email stated that a e signature was needed and I advised her that I never applied let alone e-signed for anything. I have not had a pay day loan in almost two years and have never had one with this company.

Desired Settlement: Reversal of funds from my bank and destroy any of my personal information on file.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ****** ** ****** on 06/13/2016 and 06/14/2016.  However, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. ******, we can amend the response.


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.
I spoke with a representative of AWL and the loan was reversed and my account flagged to ensure that no further unauthorized loans could occur.
Sincerely,

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

6/14/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan from what I thought was a reputable company after going on line. The company is American Web payday loan which has used unfair and deceptive practices for the consumer. I took out a $2500.00 loan and was informed that they would only take out $155.68 every 2 weeks and as long as I made all payments on time this account would be paid in full within one year. If I paid a little more the loan would be paid off earlier. The problem is that they started taking out $155.68 every week without my permission and has only been putting no more than $4.46 to $27.09 max towards the principle. they have placed anywhere from the amount of $128.59 to the max of $155.68 towards the interest. even my first three payments didn't count but went into someone's pocket other than mine! also to this date which is approximately 6 months later I have paid them $3,269.28 and I still owe $2,172.73 ??? That's already $769.28 above the original loan price. I understand that they'll be interest and other charges but this is ridiculous!!! According to my calculations this loan would cost me $12,454.40 plus the $769.28 which equates to $13,223.68 if I let them continue to pay only the minimum of $27.09 or less. This is based on 80 more payments that they would take out if I didn't notice. These guys are crooks and should keep there money and not loan to people like me who really try and help others and themselves. As far as I'm concerned my loan is already paid in full and I thought I really made a dent in this loan! But to no avail. This is the loan from hell!!!! Where is the justice in people doing this and how many other people have fallen into this snare only to be taken advantage of? Please advise off an alternative method. I shouldn't have to pay outrageous fees based on someone wanting to live a lavish lifestyle.

Desired Settlement: I want them to close this account, take no more money from me ever again, adjust the billing so it reflected that all my payments were on time and they were on time. They have taken more from me already and this whole situation has made me livid and very upset that I was taken advantage of. I don't ever want to here from them again, nor do I want to use their services. There are better company's out there that are truly wanting to help people in need. I took this loan out to help someone else!

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Mr. ****** ****** ****.  We had the opportunity to speak with Mr. **** on 06/08/2016, address his issue/concern and arrive at a resolution that is in the best interest of Mr. **** and American Web Loan.  As of 06/08/2016 the concern has been resolved.  

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,

****** ****,  I have spoken to ****** ******** with the American Web Loan dispute dept. We have come to an agreement that I will make 10 more weekly payments and then this account will be closed and she will send me a letter stating that the loan has been satisfied. I will continue to do my part and will see if they will hold up to their end of the agreement. I do understand that if I don"t hold up to my part of the agreement then the contract will go back to it's original agreement. When this is all said and done then I will inform the Better Business Bureau of the final outcome. But as of right now I do not wish to close this case out until it's done and over with, but I also don't want you to post anything negative against the American Web Loan company either. Thank You for you concern and patience with this matter...

6/9/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan in the amount of $500.00 on 03/15/2016. I was told that I would pay $283.00 interest for this loan and that loan documents would arrive by mail (never received any loan documents). Which would be five payments at $ 156.77 bi-weekly. I have paid a total of $627.08. I checked the website on 05/26/2016 to see if it was reflecting a total balance of $ 156.77 left. To my surprise the online account shows a balance of $ 456.69 which is ridiculous. Where is all my money that they have been debiting from my checking account bi-weekly. This is not right. I sent a email message to them on 05/26/2016 to this date no one has responded back nor contacted me regarding this issue. I am a single mother and I don't have money to just give away to these people that are trying to take advantage of people in need at times. Who does this? They need to be stopped and reviewing the website it is so many other people in the same situation as me from American Web Loan.

Desired Settlement: I want my account closed and marked paid in full. I will like my account marked paid in full as I covered the principal of my initial loan as well as interest and fees. Decease all debits from my account immediately.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ******** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. *****, we can amend the response.


Business Response:

We are in receipt of the Complaint Case #********.  Ms. ***** is correct, after our initial reply to the BBB, she spoke with ****** ******** and address her issue/concern with American Web Loan.  During the conversation, we arrived at a resolution that was fair to both Ms. ***** and American Web Loan.  We tried to update the website but it does not allow us to provide additional information after a response has been received.  As of 06/07/2016 the concern has been resolved.  

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. Both ****** ******** and ******* ******** were very helpful.

Thanks

Sincerely,

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

6/5/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: When you apply for a personal loan from this company, they send back a loan reply with the only information on the page is a dollar value of the loan and what seems to be a monthly payment amount. Only to find out that there is another e-mail sent with the loan information that got stuck in my junk folder. The amount that they decieve you with turns out to be a weekly payment amount and the loan has a apr of close to 400%. If this was explained clearly in the e-mail there is no way I would have agreed to the loan. Just trying to get help for me to somehow get out of this situation and help anybody else falling into the same trap!

Desired Settlement: I can pay a reasonable monthly dollar amount in the range of around 30%apr. If no help is available then I will need to start bankruptcy preceedings.

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Mr. *** ******.  As of 05/25/2016 the concern has been resolved.  

5/29/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took out two previous loans one for the amount of 500.00 and end up paying 2000.00 back, then I took out anothe loan for 400.00 and end up paying 1600.00 back. I then thought if I take out a less amount I would'nt have to pay triple the amount that I borrowed and I would be able to pay it off in a lesser time. I then took out 300.00 I've paid 800.00 and something dollar on this loan as of today dates and they told me I still will have to pay 1376.40 total at the end of my term. I then said the reason I took out the lower amount was thinking it would have been paid off quicker and not so much. I then found out that the Law and in ******* says that I should have not been paying this much on a payday Loan. I then ask what is my percentage that I'm paying on the loan and no one could give me a answer. I truly think I've been deceived the Rep told me I have to Aug 5 2016 to finish paying this loan and I took the loan out in Dec 2015. My loan Id # is *******

Desired Settlement: I would like this company to considered my account satisfied and close this account without any reporting to any collection agency or credit company.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ******* **** ******* on 05/20/2016 and 05/25/2016, we left messages requesting a return call on both attempts.  In addition, we followed up with an Email to Mr. ******* on the current status of the account.  To date, we have not heard back from Mr. ******* concerning any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. *******, we can amend the response.

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,

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

5/21/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Borrowed money in August 2015 for 1700 .00 They have taken 250.00 a week since August 15 I have emailed them and called . Won't stop taken payments Tried to pay off several times . I want them to stop taken my money They have put me in hardship from what was to be over by December 2015 . I contact them they don't reply

Desired Settlement: Anything over 3400 I want a refund as that is 100paid in full

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. **** ***** ****** on 05/09/2016 and 05/10/2016, his Voicemail Recording states the Voicemail Box is full and we could not leave messages.  On 05/10/2016 we also sent an email requesting a return call, however, we have not heard back from Mr. ****** concerning why he has any issue/complaint with American Web Loan.  We are available and would like to speak with Mr. ******, we can be reached at ************ from 8:00a.m. to 5:00p.m. Monday through Friday.  


5/12/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: They offered me loans even tho they were not licensed in **********.

Desired Settlement: I would like a FULL refund.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ***** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. ****, we can amend the response.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ***** **** on 04/28/2016 and 04/29/2016; we left messages on both occasions requesting a return call.  As stated in Ms. ****'s reply she was out of town, we had no indication of her availability.  Our goal was to reach out to Ms. **** and address any issue/concern as soon as possible.  In addition we attempted to contact Ms. **** again on 05/04/2016, we left another message and requested a return call.  We have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan.  We are available to speak with Ms. ****.  Since we are unaware of her availability, she may contact us at ************.  We are available from 8:00a.m. to 5:00p.m. CST Monday through Friday.   


Consumer Response:  i am requesting a full refund. no discussion is needed. no excuse. you broke the law. you can leave a message to when a refund will be issued on my email *******@*****.com. that is the only way you can communicate with me.

thank you
Complaint: ********

I am rejecting this response because:

Sincerely,

***** ****

5/12/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In November of 2015 I took out a payday loan for $400. I was under the impression that I would be paying the $400 plus $110.40 in interest. To my surprise I am still paying for the loan I took out in November. So far I have paid $1,214.40 for a $400 loan and automatic payments are still being taking out twice a month..$220.80 a month! To make matters worse I was told that if I wanted to pay the loan off I would have to pay $510.40! So what happened to the $1,214.40 I already paid?! I am paying four times the amount I borrowed. I am a single mother of 2. I can not afford to pay so much money toward a $400 loan. If I would have known this I would never had borrowed the money because it's not worth it! Also,because I don't have $510.40 right now to pay off a loan that should have already been paid off, the payments will continue to come out automatically. So for a $400 loan I will have paid almost $3,000 once it's finally paid off! THIS SHOULD BE AGAINST THE LAW!! If there is anything you can do to help me resolve this issue it would be greatly appreciated.

Desired Settlement: I would like for my account to be paid in full since I have already paid so much money for a $400 loan...$1,214.40 to be exact and another payment will be taken out on May 15th and the 30th and son on each month for another 7 months. I feel that the automatic payments should cease. I refuse to pay almost $3,000 for a $400 loan. I will sue this company and report it to the media to warn others about this scam if this issue is not resolved.

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Ms. ****** *******.  As of 05/10/2016 the concern has been resolved.  

Consumer Response: Thank you for your time. I spoke with a representative named ****** and she has resolved the issue. My account is now paid in full.

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

Sincerely,

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

5/8/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed a personal loan for $1400.00 and I signed an agreement for the $1400.00 to be split for 20 months to pay it off, but this company is taking out $312.72 every 2 weeks and the total for a month is $625.44 a month when the contract I signed was $312.72 a month and they said I have agreed to pay the $1400.00 split in that 20 month period and charging me twice the amount they said I'll be paying$312.72 a month but instead they're charging me double that amount for 20 months to be paid off, and that totals all to $12508.80 just to pay off a $1400.00 loan. They are saying with the agreement I signed for $312.72 a month for 20 months that I signed. I needed the money then and now I am being ripped off and where is that interest of over $11,000 going to? This is not fair

Desired Settlement: 507.7% APR is 2 much. I am going to pay $12508.80 just for a $1400.00 loan

Business Response:

We are in receipt of complaint #********. We attempted to contact Ms. ********* ***** ****** on the daytime phone number, ************, provided on the complaint. On each attempt on 04/15/2016 and 04/18/2016, the call was answered, we asked for the consumer and the call was immediately disconnected. We have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to speak with Ms. ****** we can amend the response. We are available to discuss any issue/concern Ms. ****** has with American Web Loan.  We can be reached at **************.  Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday. 

Consumer Response:
Complaint: ********

I am rejecting this response because:They will say I signed a contract of agreement that I wanted to pay them once a month of 312.72 but they took out twice that much for 20 months.....507.7% APR is too high, I hve paid my loan in full wit 400 interest already and no way I am paying more

Sincerely,

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

Business Response:

We are in receipt of complaint #********.  We had the opportunity to speak with Ms. ********* ******.  We attempted to discuss the issue/concern Ms. ****** has with American Web Loan, however, she declined to listen and arrive at a resolution on the account.  We are available to discuss any issue/concern,  we can be reached at ************ from 8:00a.m. to 5:00p.m. CST, Monday through Friday.  


5/8/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I open this loan 11/30/2015 for $1,000.00 dollars and they've taken out of my account #980.00 so far and when ask to pay off loan amount their stating I still owe them $1,000.00, that's when I notice something wasn't right about this company. Refuse to show me an contract and stating I was only paying the principle payment before my actually loan amount. No payment I've made already never went toward my loan, just really want to get to the bottom and found out if this company scamming people out of money or what is really going on. I regret opening an loan with this company even though I went through ***** ****** thinking it was a safe and secured company to do business with, but some how something seriously went wrong. I know I probably still own something but definitely still not $1,000.00

Desired Settlement: Just want to pat my share part, move on and put this matter behind me without ever opening an web loan account online again.

Business Response: Tell us why here...

We are in receipt of complaint #********.  We attempted to contact Ms. ******* ****-********, however, we have not heard back from Ms. ****-******** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. ****-********, we can amend the response.

Consumer Response:


Complaint: ********

I am rejecting this response because:

I have not been contacted by American Web Loan. They may contact me by phone: ************ or by e-mail: *****************@yahoo.com

Sincerely,

******* ****-********

Business Response:

We are in receipt of the Complaint Case #********.  We have reviewed the complaint submitted by Ms. ******* ****-********.  As of 04/28/2016 the concern has been resolved.  

4/25/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This business is a total rip off,don't tell u specific details of how they collect your money,have never seen any signed agreement,tried logging in and can't even reset my password,will not return my voice mails left either.....NEVER EVER USE THIS COMPANY

Desired Settlement: Would like to have the payment stopped from withdrawal from Bank account and just want left alone, will mail my payment but can't get any resolve from company

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ******* ******* ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. ****, we can amend the response.

4/23/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan January of 2016 in the amount of $400.00. To date, I have paid $744.90 and they are scheduled to continue to take payments until the end of July. I have paid my balance in full and an extra almost $350 which is more than enough to cover all interest and fees. If this payment continues I will have paid another $1000 for this $400.00 loan. I feel my loan is PAID IN FULL

Desired Settlement: I want ALL ACH debits to stop. No more from my account. This is causing a financial hardship at this point. The $400.00 helped me and now I will be just fine financially if the payments STOP. Take the $750.00 I have paid and call it good free and clear with a zero dollar balance.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Ms. ********* *** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. *****, we can amend the response.

Consumer Response:


Complaint: ********

I am rejecting this response because:

 

I have had no missed calls or messages from anyone at AWL and have detailed phone history to stand beside that statement.

Sincerely,

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

Business Response:

We are in receipt of complaint #********. We attempted to contact Ms. ********* Ann ***** on ************, the phone number provided on the Complaint. We left a message for Ms. ***** on 04/11/2016, 04/12/2016 and 04/13/2016. We are still available to discuss any issue and/or complaint Ms. ***** has with American Web Loan. We can be reached at **************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

4/8/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Yesterday (3/29/2016), I realized that there had been a series of unauthorized ACH transactions on my checking account. I have clearly not been as vigilant as I should have been, but these transactions are fraudulent none the less. I have pieced together the following sequence of events, although I had not read or acknowledged the December emails at that time (they were routed to my spam folder). 12/7/2015: Received 3 emails saying I had a loan and providing web account login info (I did not apply for any loan) 12/8/2015 Deposit of $500 made to my account (unauthorized) 12/15/2016 to 3/29/2016 Weekly debits in the amount of $56.16 were made. 3/29/2016 I accessed the account that was set up for me and discovered that they had set up a loan for me at an annual interest rate of 539.11% 3/29/2016 Sent email demanding refund and ordering them to stop ACH debits 3/30/2016 Called them to complain. They agreed to stop ACH debits but insist I still owe for the loan. 3/30/2016 Receive email notice that ACH debits would be stopped, but that I was still being held to the terms of the (unauthorized) loan. 3/30/2016 Talked to my bank (a credit union) and will file paperwork to prevent future ACH transactions from American Web Loan I did not apply for any loan from this company. I did not authorize the ACH deposit, nor the ACH debits. I do not acknowledge that I entered into any contract with this company. I have conducted a bit of research and have discovered that others have fallen victim to them in an identical manner. My only fault here is not being vigilant enough to have discovered this earlier.

Desired Settlement: I want the unauthorized loan cancelled and $398.56 refunded (This is the $898.56 they have withdrawn from my account to date minus the $500 they deposited without my consent.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ******* ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. ****, we can amend the response.

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ******* ****, however, he has declined to speak with us concerning why he has any issue and/or complaint with American Web Loan.  Our records show $500 was deposited to his account as a result of an application and loan approval on 12/07/2015.  Mr. **** acknowledged he received the funds and contacted us on 03/30/2016 to notify us that he did not want the loan.  12 of the 15 payments received were retracted by Mr. ****’s Bank resulting in a net total payment of $168.48.  If Mr. **** will repay the remaining $331.52 of the principal amount deposited, we will close the account.  We tried to contact Mr. **** on 03/31/2016 and on 04/01/2016.  We have not heard back from Mr. **** and received notification through his latest BBB reply, he will not speak with us regarding the issue he has with American Web Loan.  We are still available to address any issue/concern, we feel the above resolution is fair to both Mr. **** and our business.  We can be reached at **************.  Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

Consumer Response:

Complaint: ********

I am rejecting this response because:

The number of unauthorized debits reversed by my credit union was 12 of 16, not 12 of 15 as AWL states. So, the net overage, which includes the unauthorized $500 deposit, is $275.36, not the $331.52 AWL states. I do agree to send them $275.36 as settlement of my BBB complaint once they acknowledge that there were 16 unauthorized debits, not 15 and that returning $275.36 to them will close my (unauthorized by me) account with them. 

Sincerely,

******* ****

4/4/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: this is funny!!!!i checked out the balance of my checking account and found out that there was more in it then should have been. i found out American Web Loan deposited money into my account without me taking out a loan with them. so i called my bank and told them to stop anyone from American Web Loan from taking money from my account because i didnt authorized them from adding or taking money from my account. so they put a stop to any American Web Loan transactions. can anyone tell me if there can be any legal action they can take since i didnt take any loan from them even though they deposited money in my account. and what can i do if they try to take money out of my account.

Desired Settlement: i would like to know what why they hacked my bank account and for them to stop contacting me. and what to do if they try legal action against me

Business Response:

We are in receipt of complaint #********.  We attempted to contact Mr. ***** ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Mr. ********, we can amend the response.

3/26/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: ON 3-8-16 A MALE CALLED MY JOB FROM THIS COMPANY WITHOUT GIVING ME HIS NAME , ASKING MY CO WORKER PERSONAL QUESTIONS ABOUT ME AND HARRASSING MY CO WORKER, AND WAS REALLY NASTY, THIS PERSON ASKED TO SPEAK WITH MY SUPERVISOR , WHICH IS UNACCEPTABLE ,MY SUPERVISOR HAS NOTHIN TO DO WITH MY PERSONAL BUSINESS,I AM VERY UPSET THAT THIS BUSINESS CONDUCT PERSONAL MATTERS

Desired Settlement: BILLING ADJUSTMENT AND NO FURTHER CONTACT FROM THIS BUSINESS PLEASE!

Business Response: Tell us why here...

We are in receipt of complaint #********.  We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan.  Therefore, we assume there is no issue to resolve.  If we are able to reach Ms. *****, we can amend the response.

3/6/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: AWL allegedly gave me loan, took money from me illegally and now threatening my credit. During the spring of 2015, I began recognizing a monthly withdraw of $300 to American Web Loan. I did not recognize AWL and I did not understand why they were taking that money from me unknowingly. I contacted *** Bank about what appeared to be fraudulent activity in my checking account. *** Bank performed an investigation and settled on the conclusion the activity was fraudulent, and I was refunded the money, which AWL took from my account illegally. I moved on, and thought the issue was settled. It wasn't. In late January 2016, I was contacted by a debt collector representing AWL. A woman named ****** ******, ************, who informed me that I applied and received a loan for $1,000 on January 12, 2015. She alleges I made several payments in spring 2015 of $300 towards repaying the loan, but suddenly stopped. Now that all makes sense. The payments were taken out of my checking account without authorization and the payments stopped after *** Bank reported fraud. I am submitting a complaint against *** Bank too, since their investigation was not thorough and the issue was not properly closed, and still effecting me negatively nearly a year later. ****** informed me that I owe $22,000 on this $1,000 loan after fees and 280% interest rate. I informed her that I did not apply for that loan, the money was taken from me illegally and *** performed an investigation finding fraudulent activity in my account against AWL. I never heard back from ******. I contacted *** Bank. Upon this SECOND investigation by ***, it turns out the $1,000 was deposited into my checking account without my consent. That frustrates me. Neither my wife or I applied for this loan, yet we received the money and now being accused not paying it back after being ruled fraudulent. I believe AWL performed illegal activity against me in several instances, and I will file against *** for not running a proper investigation and squashing the situation and allowing it to live a year later.

Desired Settlement: I simply want this issue to go away, and I want to be cleared of any wrongdoing. American Web Loan gave me a loan without authorization, and they essentially stole money from my checking account on a monthly basis and now harassing me about an ungodly amount of money. And, *** Bank apparently did not perform a proper investigation in the matter and close the case properly since it's still a stressful issue a year later. I'm a victim of a scam and I want peace of mind that my credit will not be effected beyond this point.

Business Response: We are in receipt of complaint #********. We attempted to contact Mr. ***** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

3/4/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I received a loan for $1200.00.I have reached a settlement for 1540, I asked for an email stating this number in a settlement agreement, they refuse. This company has stated that they are charging me 659% interest on a 1200 loan. This was not what they told me in the initial call, they stated that if I resolved the loan early it would not cost as much. It was like pulling out teeth just to reach a settlement. They were evasive and not professional. Once a number of $1540.39 was reached, they have refused to send me any documentation stating that this is an official and agreed upon settlement. I do not feel safe in sending money to organization that will not provide me with legal correspondence.

Desired Settlement: Being that they have already and appear to be constantly withdrawing funds from my checking account, I want them to cease immediately and send me an official settlement agreement.

Business Response: We are in receipt of complaint #********. We had the opportunity to speak with Mr. ****** **** on 02/16/2016. We discussed a settlement we felt was fair to both Mr. **** and our business, we also verified his Email Address and sent a Confirmaiton Email the same day. The Settlement Email and this Complaint may have crossed, therefore, we compared our files to the Email on the Complaint and both are the same. We resent the Confirmation Email to Mr. **** on 02/23/2016 and are still honoring the Settlement. We are available if Mr. **** has additional questions, we can be reached at **************. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

2/28/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Terms and conditions not adequately represented. I was given this loan under false pretenses. I took a 600.00 loan with 171.00 from AWL with clearly stated terms and conditions of payment and fees. I have paid over 2200.00 towards this loan only to see my balance owed is still 600.00. I am to understand this is interest I am paying towards the loan and none of the over 2000.00 has been applied to the principle amount. 13 payments have been made thus far in the amount of 171.00. I never received any forms or email indicating this is how the payments would be applied at all. I have printed the terms and conditions sent to me which do not show this process of how they will apply the actual money. All of the 13 payments were on time and not late since it was automatically withdrawn.

Desired Settlement: I would like my account to me marked paid in full without having to put a block against AWL on my account and the account closed in good standing, not turned to a creditor.

Business Response: We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** *******. As of 02/23/2016 the concern has been resolved.

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,

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

Thank you for your help in this matter.

2/27/2016 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: They did not fully disclose the amount financed for the loan. I had no idea that I would be paying that amount of money to borrow 600 dollars. I applied for this loan online. I signed the application online. I was never given the information that showed the amount financed until after I had received the money. If I had known how expensive it was to borrow that money I never would have taken the loan in the first place.

Desired Settlement: I want them to stop taking money out of my checking account. I have already paid them back the money that I borrowed. I do not want to pay them 2400 more dollars for borrowing 600 dollars. That is highway robbery.

Business Response: Initial Business Response /* (1000, 5, 2016/01/04) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ****************. We offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ******* did not accept our good faith offer or provide a counter offer. Let me know if you have any further questions. Initial Consumer Rebuttal /* (3000, 7, 2016/01/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) Bc their suggested resolution to the problem still requires that I pay an astronomical amount of money that was never disclosed to me when I originally applied for the loan. Final Business Response /* (4000, 9, 2016/01/08) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ****************. We offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ******* did not accept our good faith offer or provide a counter offer. Let me know if you have any further questions.

2/22/2016 Advertising/Sales Issues
2/22/2016 Problems with Product/Service
2/22/2016 Problems with Product/Service
2/17/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The company will not send proof of debt all they do is call my job and home and harass me and threatened legal action and no one has showed up. It was a loan that I think was made 5 years ago and I can't remember if and when I got it.

Desired Settlement: Unless they can prove the debt is valid I would like them to leave me alowne

Business Response: Initial Business Response /* (1000, 5, 2016/02/12) */ We are in receipt of complaint #********. We reviewed the previous account with Mr. ******** *****. The account is no longer with American Web Loan. We advised Mr. ***** of the New Account Holder and their Number. Initial Consumer Rebuttal /* (2000, 7, 2016/02/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept it that the account was moved but someone out of California kept calling and making threats saying they would serve papers

2/12/2016 Advertising/Sales Issues
2/8/2016 Delivery Issues
2/8/2016 Problems with Product/Service
2/4/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Borrowed 600.00 only to be charged close to 2,000. Also Harassing phone calls I requested a pay day loan on ************.com of the amount of 600.00. Lending tree in turn recommended a company was willing to lend me the funds. I received a phone call from the company and was informed I can borrow 600.00 and can pay it off within 14 days with the amount being deducted out of my bank account. To make a long story short. American web loan continuously taken money out of my account on many occasions and a couple of double payments as well in one day resulting my bank account going into the negative. I called to find out why was money still being deducted after the amount hit 700.00. The call rep informed me I was only paying interest and have not paid off the loan yet. I told her so you are basically telling me I will be paying close to 3,000 for 600.00? Her response Yes. I told her that was ridiculous and hung up. I placed a stop to American Web loan deducting money from my bank account. However Im constantly getting phone calls all day long and sometimes at night when I'm trying to sleep. I answered one of the calls and told the young lady that I contacted the federal commission in florida and they said it's an illegal pay day loan. The young lady replied back, I came looking for them and they didn't come looking for me. I hung up on her because that still didn't answer the question I asked her about it being illegal under Florida's statue of pay day loans. As per the law I found out after I borrowed the money In Florida, payday advances cannot exceed $500. There are no exceptions. I also contacted the consumer financial protection bureau. These harassing phone calls need to cease. American web loan has gotten more than I anticipated to pay on this loan.

Desired Settlement: To mark account paid in full.

Business Response: Initial Business Response /* (1000, 5, 2016/01/28) */ We are in receipt of complaint #********. We attempted to contact Ms. ********, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The representative called twice during my work hours,when my phone is turned off. I cannot talk at 8 am since I am working during that time. No one has reached out during the evening when I get off.I received two voice messages to call American Web loan however the representative's message is cut off and I cannot call back a person who didn't leave a name or extension. If they feel they cannot reach me through phone calls, they can email me like they have been when they were sending emails informing me of deducting my payments. Final Business Response /* (4000, 9, 2016/02/02) */ We are in receipt of complaint #********. Our previous attempts to contact Ms. ******** by phone have been unsuccessful. On 02/02/2016, We sent an Email to Ms. *****, honoroing her request to be contacted by Email. We advised her of a resolution we feel is in her best interest and the best interest of our Company. We also sent our contact information and are available to discuss any further issue/concern she has with American Web Loan. We can be reached at **************. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday. Final Consumer Response /* (2000, 11, 2016/02/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the response and left a voice message to Mrs. ******** phone number and sent an email. AWL came to the agreement to mark account paid in full.

1/29/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Terms and conditions not adequately represented. I was given the loan under false pretenses. On 7/21 I got a loan from American Web Loan in the amount of $800.00. The loan was given under false pretenses. I was to make bi-weekly payments of $240 and pay on the loan for 7 1/2 months or until the loan was paid in full. Whichever came first. It was automatically withdrawn from my account. I made 8 payments totaling $1,920.00. It stated in the agreement that the financing would cost me an additional $240 dollars. After making 7 payments I realized that I had not paid on the principal at all. My bank account is in the negative due to the fact that they kept withdrawing funds from my account and I am having a very hard time getting it back to the positive side. After the 8th payment I called my bank and placed a stop payment on any automatic withdraws from AWL. Since then they have called me numerous times daily and from various numbers. Yesterday I got an email stating they were turning me into collections. I feel I have paid them more than twice of what I borrowed. I would like my account to be marked as paid in full and my account closed in good standing.

Desired Settlement: I would like my account to be marked as paid in full and my account closed in good standing.

Business Response: Initial Business Response /* (1000, 5, 2016/01/28) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (2000, 9, 2016/01/29) */ (The consumer indicated he/she ACCEPTED the response from the business.) I spoke with someone from the American Web Loan yesterday and they agreed to close my account as satisfied. I also received an email from them as follows: Dear Ms. ***** *****, Thank you for taking the time to visit with me today. As discussed, we have closed your account with American Web Loan and consider it settled in full. Your Loan ID is *******. Our Resolution Department is available at ************** from 8:00a.m. to 5:00p.m. CST Monday Through Friday. Thank you, ****** American Web loan Resolution Specialist Phone: ************ Fax: ************ All lenders are not created equal Thank you so much for helping me with this case.

1/25/2016 Advertising/Sales Issues
1/25/2016 Advertising/Sales Issues
1/21/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The website doesn't identify a 433.05% interest rate on loans, when a person agrees to the loan, they are unaware of the payment terms, or interest ra My wife filed for a loan in my name, I was completely unaware of this. When she filed for the $2500 loan, she was not notified before clicking accept of the 433.05% interest rate charge. Nobody on the planet would agree to these rates and terms. $880 a month with biweekly $440 payments are impossible to afford on our fixed income.

Desired Settlement: I want my interest payments returned as I feel we were completely taken advantage of for not identifying the payment loan rate prior to accepting the loan.

Business Response: Initial Business Response /* (1000, 5, 2016/01/08) */ We are in receipt of complaint #********. We attempted to contact Mr. *****************, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response. Initial Consumer Rebuttal /* (3000, 8, 2016/01/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) We spoke yesterday, and I strongly feel that there is a disconnect on my concerns. The person I spoke with from American Web Loan even stated nowhere on the website does it speak to the high interest rate for payback on the loan. Final Business Response /* (4000, 10, 2016/01/14) */ We are in receipt of complaint #********. We spoke with Mr. *****************, who states his wife submitted the loan to American Web Loan in his name, the goal is to arrive at a resolution that is fair to both to Mr. ********* and our business. However, Mr. ********* was not willing speak with the representative concerning why he has any issue with American Web Loan and work to arrive at a resolution. Therefore, we assume there is no issue to resolve. We are available to discuss any issue/concern he has with American Web Loan. We can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

1/18/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Business has failed to resolve or communicate with the a reasonable payment plan or settlement, business calls me at work Problem date June 2015, business states they deposited into my checking account $800 which was due and payable on my next pay day. By the time I heard from them account had already accrued $400 interest. Business states they deposited these dollars into a ******** account under my name. I do not have or have ever had an account with ********. I received a call, again at work today stating that the company was going to delivery law suit papers to my work address tomorrow, the person calling was giving me an option to have papers delivered to my home address as the caller was concerned I would lose my employment having such papers delivered to me at work. The caller gave me several numbers to call. I was able to contact a person at each number, each with a different company name, and was finally instructed to call ***************** at ************, call was answered by voice mail as '**********************' I have made several attempts and have not received a call back either at home or work. Additionally, I do not believe I would apply for and accept the terms of a loan with a balance due in full in two weeks including 40% interest. Finally, I when I filed my income tax with the IRS this year I was notified that someone else had filed under my SSN and had to file a police report in addition to preparing and certifying several documents to the IRS to prove my identity. I have documentation to support the issue with the IRS but cannot find anyone or any phone number for American Web Loan to verify that this amount owed is indeed mine.

Desired Settlement: I would like the companies (7 at last count) to delete any bad information the may have about me and any unsettled debt. I would like the amount (a final amount I am still trying to obtain from the company) deleted or considered settled in full.

Business Response: Initial Business Response /* (1000, 5, 2016/01/05) */ We are in receipt of complaint #********. The account we had for Ms. ****** is now with a 3rd Party Vendor. We tried to contact Ms. ****** via the Day Time Phone Number on the complaint and left a message including the Vendor's Name and Number. In addition, we sent Ms. ****** an Email to provide the new information. Let me know if you have any further questions or concerns.

1/18/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Terms of the loan were not explained clearly. Had I known at the time how their terms worked, I would have never gotten the loan. September 2015 I began paying $150.00 to American Web Loan biweekly on a $500.00 loan. I thought it would be monthly payments of $150.00 with a payoff of March 2016 for a total of $1050.00. It is now December 2015 and I have already paid $1050.00 and according to AWL I still owe the full principle of $500.00. They are really good at ripping people off. They are scam artists.

Desired Settlement: considering the amount I have paid, this loan should be paid in full according to the terms as I understood them

Business Response: Initial Business Response /* (1000, 5, 2016/01/05) */ We are in receipt of complaint #********. We attempted to contact Mr. *****************, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response.

1/15/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company says that I took out loan and I have never borrowed money from them. TMG American Web Loan has on my credit report that I inquired about a loan from them and I have not. Now Experian is taking points off of my credit saying that I did an inquiry with them on October 27, 2015. I would like for them to remove this inquiry asap. I am in the process of buying a home and do not need this on my report.

Desired Settlement: I would like for them to remove the inquiry from my credit report.

Business Response: Initial Business Response /* (1000, 5, 2016/01/04) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***********. As of 01/04/2016 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2016/01/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) The reason I do not except the response is that American Web Loan is wanting me to get in contact with **************** inwhich ******* is reporting to the credit bureau on their behalf. I don't feel it is my responsibility to do so, since they are working for them not me. I have attached documentation. Business Rebuttal Response /* (1000, 5, 2016/01/07) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. *********** on 01/04/2016. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Ms. ***** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions. Final Consumer Response /* (4200, 11, 2016/01/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because **************** has contacted me and said that the inquiry was done on behalf of American Web Loan and if this is not true, American Web Loan would have to contact them. Final Business Response /* (4000, 13, 2016/01/14) */ We are in receipt of complaint #********. We are in the process of following up with **************** to the inquiry on Ms. ***********'s Credit Report. We will do our best to assist Ms. ***** in resolving this issue.

1/12/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Interest rates not adequately explained at time of agreement. I've taken two loans with them previously and paid both in full at time of due date. Most recently (9/10) I borrowed $600 and was notified via the terms and conditions email that I would be charged a finance fee of $165 and would be charged biweekly until the loan was paid off or in 7 1/2 months- whichever came first. Imagine my surprise when I realized after making 7 payments of $165 ($1,155!) that the balance of my $600 loan, was in fact, still $600! The fact that none of my payments were going towards the principal was ever explained to me. I have paid nearly double what I've borrowed. This type of practice has to be illegal. I understood going in that the interest was higher than a typical loan, but figured that's the price you pay for convenience and expediency.I have paid almost 100% interest with my initial loan balance still exactly where it was on the day I borrowed.

Desired Settlement: I adamantly request that the $1,155 dollars that I have already paid towards my $600 loan be put towards my principal. I need for my account to be closed and marked "paid in full" (as it certainly has and then some!) and for any automatic drafts from my bank account to end immediately.

Business Response: Initial Business Response /* (1000, 5, 2016/01/05) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2016/01/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) They called me once on Monday and once yesterday; both times during work hours. I did leave a voicemail for ****** at 7:30 this morning suggesting that email may be a more effective form of communication. I look forward to hearing from her via email today. Final Business Response /* (4000, 9, 2016/01/08) */ We are in receipt of complaint #********. We sent a response via email to Ms. ****** *******. We offered a resolution that we felt was fair to both the consumer and our business. Let me know if you have any further questions. Final Consumer Response /* (2000, 11, 2016/01/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) I did receive an email from them stating that my account has been closed and marked paid in full. I am very happy with this response. Thank you.

1/6/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: 'American Web Loan' was not forthcoming with Appropriate Charges and Interest Rates on the $600.00 loan I received. 'American Web Loan' was not forthcoming with Appropriate Charges and Interest Rates on the $600.00 loan I received. I've been paying $180.00 every 2 weeks and have only paid back $48.94 of the balance according to them. Customer Service was unable to assist and stated they would continue to charge myself and apply unfair practices/fees against myself if not. Additionally Indiana State Laws are as follows (Where I reside). Oklahoma State laws are even stricter (Where they reside). Indiana State Information Legal Status: Legal Citation: Ind. Code §§ 24-4-4.5-7-101 et seq. Loan Terms: Maximum Loan Amount: $550 (not to exceed 20% of borrower's monthly gross income) Loan Term: Min: 14 days Maximum Finance Rate and Fees: 15%: $0-$250; 13%: $251-$400; 10%: $401-$500 Finance Charge for 14-day $100 loan: $15 APR for 14-day $100 loan: 390% Debt Limits: Maximum Number of Outstanding Loans at One Time: One per lender; Two total Rollovers Permitted: None (cannot renew, repay, refinance or consolidate) Cooling-off Period: 7 days after 6 consecutive loans Repayment Plan: After 3 consecutive loans, lender must offer an extended payment plan of at least four equal installments at no additional cost Collection Limits: Collection Fees: One $25 NSF fee; additional charges may apply when check or authorization to debit was used to defraud another Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Indiana Department of Financial Institutions Address: 30 South Meridian Street, Suite 300 Indianapolis IN 46204 Phone: (800) 382-4880

Desired Settlement: I would like my Account to be marked as paid in full and withdraws from my Banking Account to cease.

Business Response: Initial Business Response /* (1000, 5, 2016/01/05) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. *****************. As of 01/04/2016 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2016/01/06) */ (The consumer indicated he/she ACCEPTED the response from the business.)

12/29/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Explanation of Loan Repayment is Not Clear I filled out for a loan 9/8/2015 so that I could register my daughter in dance. I logged in to see what my balance due was because $142.50 has been deducted out of my account 6 times for a total of $855 paid. When I called them to ask why my balance due was still saying $500 they said because the option I chose would take 16 payments of $142.50 to pay it off. I told them that was ludicrous that I was not going to pay $2,280 for a $500 loan. They suggested that I make a payment of $642.50 and then the loan would be paid off and I said $1,497.50 for a $500 loan?

Desired Settlement: I want this to be marked paid in full right now and for them not to auto deduct this from my account. I talked to someone and they told me that this type of lending is illegal and that it is also illegal in the state of Maryland.

Business Response: Initial Business Response /* (1000, 5, 2015/12/16) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ******************** on 12/15/2015. We contacted her on the day-time phone number provided on the complaint but she stated she was not available to speak with us. Ms.*************a further stated she would return our call after 4:30p.m. on the same day to discuss her issue/concern with American Web Loan. We have not heard back from Ms.*************a concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to speak with Ms.*************a, we can amend the response.

12/28/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was not told most of my payment was interest only. I only wanted a $500 loan and recieved $700. I have paid back my principal. I have emailed them about having access to my account online and have finally recieved a response but i have to call them. I asked for my balance and how to register on the site so i can keep track. I was not informed that my payment will mostly be intrest. I am just finding out online payday loans or installments in VA are illegal and will report them.

Desired Settlement: I would like my case closed. Do not xontact my job or withdraw and ach i would like to use my debit card

Business Response: Initial Business Response /* (1000, 5, 2015/12/16) */ We are in receipt of complaint #********. We attempted to contact Ms. ***************, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response.

12/21/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Yes they stole my information of the internet from another loan company that I apply then cancel. Yes I got a postcard from ***************** I filed out the information they wanted they put the money in my checking account when I found out how much interest that they where going to charged me I got back on the internet and had them to take the money back out of my account and they did but I had to threaten them with a law suit and they did take it out.American Web Loan Company stole my information from them and put money into my checking account with out my permission.They put in$700.00 dollars could not get a hold of them when I was at the bank.It is a computer phone that didn't know my phone number they kept hanging up.I was told that they put a notice on my e-mail address and since I did not respond to there e-mail that they just decided to go ahead and start taking out $210.00 dollars every two weeks I ask my bank to stop but they told me that I had to get them to stop.I should have just closed my account like I had to back in 2013 cause then I was getting prescription help. That company didn't under stand the word NO. So the only way that i could think of just close the account and I did.If I would of thought about it with this loan company I would have closed it again. When I finally got a hold of the main person and her name is (******)I got just a little upset the whey that I was taken advantage of.The stole $2,530.00 dollars from me she told me that they would no give me my money back since I didn't respond to my e-mail so they just kept on stealing my money $210.00 every two weeks I can't afford the lost I live check to check I'm 62 years old and I have no family to go to or any body else.I haven't even turn my furance on this year I haven;t got the money to even put fuel oil in the tank.I'm Broke I'm Busted I eat peanut butter and potato chips for dinner.I NEED SOME HELP FROM SOME ONE.

Desired Settlement: I want my money back they took it my fraud and I shouldn't have to pay for this just because I don;t have the time to read all 200 e-mails I get every week

Business Response: Initial Business Response /* (1000, 5, 2015/12/17) */ We are in receipt of complaint #********. We attempted to contact Mr. ********** by the phone number on the complaint and received a recording that we have reached a Non-Working Number. Additionally, we tried to reach Mr. ***** by the phone number we have on file as well as by email and requested a return call. However, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/12/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't trust them at all want;s you have had your money stolen why should you trust them. I got on a web site and there must have been 50 of them just like them.7 different pages of the same type of crooks.

12/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Won't stop taking my money, can't get anyone on the phone, or by email. now they are harassing me at WORK I was going through a hard time and I needed some help. I received a loan for $500 and every 2 weeks money was taken out of my account. Ok, I agreed to pay back money. But now they have taken $1500 on a $500 loan. with the money that has been taken from my account I have paid back that $500 3 times now! Are you kidding me 1500 DOLLARS??? Robbery. when logging in to my account it always says I still owe $500 how can this be? then no one returns the multiple emails I have sent. I have tried calling numbers on their site and I can't ever talk to anyone! it has reached a point where they were overdrawing on my bank account causing me to pay fees to the bank on top of them taking my money and not speaking to me. I had to close my account just to avoid accruing anymore fines from the bank for over draft fees. people get loans because they are struggling and need a little help and these people have taken advantage of way too many people and continue to get away with it. my mistake for not doing more research. so after MONTHS of trying to speak with someone, they are now harassing me at WORK! so not only have they taken my hard earned money but they are now causing me issues at work. I have already been warned if I receive anymore personal non emergency calls at work I will lose my job. This is Ridiculous they have received their $500 PLUS and additional $1000. Never in my life would I expect to have been taken advantage of. How can they get away with this? They are basically thieves! It is absolutely Atrocious. I really hope that someday soon they are forced to have to close their so called trusted business.

Desired Settlement: I want the harassing phone calls to STOP and I want my account closed and marked as paid in FULL considering they have received $1500 on a $500 Loan. I did my part I paid back what I borrowed and then some. I need my Job and cannot afford to lose it because these people keep harassing me.

Business Response: Initial Business Response /* (1000, 5, 2015/12/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** **********, however, we have not heard back from Ms. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/12/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not received any phone calls from american Web loan in reference to this complaint. Nor have i received any emails to contact me. If calls are being made during my work hours i have not heard any voicemails from this company. It's kind of funny how when i needed help no one wanted to talk to me,couldnt get a person on the phone or an email back but now is supposedly attempting to contact me. If they are calling me at work and not leaving a message i cannot return the call. Has anyone tried to email me in regards to this? Final Business Response /* (4000, 9, 2015/12/15) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ********** by phone on 12/10/2015 and 12/11/2015, both attempts were unsuccessful but messages were left for Ms. **********. In addition, we tried to contact Ms. ********** on 12/15/2015, this attempt was also unsuccessful. We left a message and sent an email requesting a return call. We are available to discuss any issue/concern Ms. ********** has with American Web Loan. We can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday. Final Consumer Response /* (4200, 11, 2015/12/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I responded to the email on 12/15 when i was no longer at work. I have not received a response. I cannot use my phone and work and the times they are available is during my work hours. This is ridiculous.i get not voicemails or emails then i get an email amd am not even given time to respond to it. Im done every attempy i have made to reach out has been unsuccessful and i finally get an email and am not given the opportunity to respond before a rebuttle is sent? Its obvious this wont be resolved. They have received a lot of my hard earned money and im done. I work hard just to scrape by. Its a shame that this experience has left so many people disappointed and taken advantage of. I appreciate the BBB taking complaints and trying to help resolve issues. However, i will not play this game. There has been no resolution and the way things are going i feel there wont be. Im not really sure why i even tried I guess if I can get even one person to choose a different loan company I would have done my part. Oh well,live and learn.

12/15/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The terms of the loan was explained to me incorrectly. False statements were made to me via phone which I moved forward based on what was advised. The terms of the loan was explained to me incorrectly. False statements were made to me via phone which I moved forward based on what was advised to me. I requested $400 and was told that once the borrowed amount has been reached, no more funds would be taken out. So far, $241 has been taken out of my account. However, when I called to ask what the payoff was (thinking 400-241 equals about 150) and was told that $500 will be coming out of my account. This is not what was explained to me. I was under the impression that I'd be paying back what I borrowed. The customer service became terrible when I questioned this.

Desired Settlement: I would like to pay the remainder amount of my loan (totalling $400), be done with it, and no negative impact to my credit report.

Business Response: Initial Business Response /* (1000, 5, 2015/11/18) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 12, 2015/12/02) */ I was unable to connect with ****** as our work hours conflicted. The nature of my job requires me to be attentive to my employers needs and I do not get a long lunch break. The issue still has not been resolved. I call this a type of FRAUD when important things are not explained correctly leaving the consumer open to be ripped off of their hard earned money. After further research, again, I am not the only victim of this scam! Final Business Response /* (4000, 14, 2015/12/03) */ We are in receipt of complaint #********. We would like to speak with and/or coordinate a time with Ms. ******* ******* and discuss why she has any issue and/or complaint with American Web Loan. Our goal is to arrive at a resolution that would be fair to both Ms. ******* and our business. We can be reached at 866.304.1688 during our hours of operation 8:00a.m. to 5:00p.m. CST. She is welcome to let us know of her availability.

12/11/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: AWL disclosures are not spelled out in their contract. There is nothing in writing stating that you must make 13 payments before the amount decreases. I took out a loan from AWL in late August 2015 of 700. My first payment was made on September 22, 2015. I spoke with someone in early October discussing the terms of my loan. The rep stated that I would have to pay 210.00 every two weeks for 13 payments in order for the loan to be paid off. This wasn't in their disclosures. I have made over 6 payments which equates to 1260.00 I tried to contact them over the phone multiple times to get a a buy down payment, but no one every answers the phone, just an automated machine, which doesn't help.

Desired Settlement: I want my account settled and paid in full without any further collection. I don't want any phone calls to my home or place of business.

Business Response: Initial Business Response /* (1000, 5, 2015/12/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ****** on 11/30/2015 and 12/1/2015, both attempts were unsuccessful. We have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 8, 2015/12/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) First off I contacted American Web Loan back the following day and left message on December 1, 2015 at 12:10 p.m to the person that called me and left a message about my complaint. This person didn't call me back. I spoke with another person that didn't reference anything about my complaint to the BBB. Final Business Response /* (4000, 10, 2015/12/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ****** regarding her issue or complaint with American Web Loan. We received her voicemail and returned her call. In addition we tried to reach her on 12/11/2015 and left another message. We have not heard back from Ms. ****** concerning any issue or complaint. We are available to speak with Ms. ******, we can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

12/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: paid over 1500 dollars for a 500 dollar loan. Starting July 31 2015 awl starting taking 142 dollars ever two weeks out of my checking account for a 500 dollar loan. I am still having money takin out of my account 5 months later! The terms of the loan were never disclosed to me! No amount of my payments were going toward my principal! I have now paid over 1500 dollars to them for a 500 dollar loan!

Desired Settlement: I would like my account to be marked as paid in full and in good standing and for no more payments to be debited from my checking account.

Business Response: Initial Business Response /* (1000, 5, 2015/12/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ********. As of 12/08/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/12/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) American web loan closed my account so no more payments would be taken from my account. I am satisfied.

12/8/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My complaint is on billing/collection issues and the non-affordable interest fees charged which cause further debt I took out a loan with American Web Loan on 8/4/2015 for $500. I was told that my payments would be $142.50 bi-weekly and it had to be automatically debited from my checking account. I have had to call twice to get payments delayed because the payments were beyond reasonable and not affordable to me causing me to go into further debt. The last request was made a few days ago asking for a delay for 2 weeks but was told they could only give me a week. People don't realize what they committing to when they take out these payday loans, they only know that they are in a desperate situation and need a solution to their problems now. These loans charge outrageous fees for a small amount of money that is loaned to you. I asked when my last payment is and was told 19 Mar 2016, which means I would have payed approximately $2000 on a $500 by that time. I have already paid the $500+ that I have borrowed and don't feel that I should have to pay anymore than that. I have a tremendous amount of financial obligations, given that I am a single parent to someone who is disabled and my Mother recently passed away and had to take on the burden of the full financial aspect of that situation. I cannot afford these fees and am getting further into debt with other financial obligations. I am requesting that the amount owed, which are interest fees be forgiven and I am allowed out of this contract ASAP. These companies are unethical and feed of peoples vulnerabilities. These companies are illegal to individuals who live in the State of North Carolina

Desired Settlement: I want to be forgiven the remaining amount that the business has obligated me to, because I have paid the amount plus some that I have borrowed thus far. I also want the obligation of paying through automated payments through my bank account removed

Business Response: Initial Business Response /* (1000, 5, 2015/12/02) */ We are in receipt of complaint #********. We attempted to contact Ms. **** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Initial Consumer Rebuttal /* (4200, 9, 2015/12/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue was not resolved, it was simply pacified, by doing away with the payment that was due to be taken out of my account this week. The loan is unaffordable to me and I have met the obligation of the original loan amount of $500. I want out of the contract. Final Business Response /* (4000, 11, 2015/12/07) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. **** **** on 12/02/2015. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Ms. **** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions. Final Consumer Response /* (4200, 13, 2015/12/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The matter was not resolved to my satisfaction. One of my payments was simply extended. The only thing that was addressed was the fact that I had a loan with them before and it involved the same terms so this one is no different. All that was offered were the different methods as to how I could pay the loan off. This loan has become a grave financial hardship for me and my daughter due to changes in my circumstances. My Mother recently passed away and I had to take on the burden of paying for funeral expenses, which is costly. I can no longer afford this loan and massive fees associated with it.

12/8/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Deposited money to my bank account for a loan I didnt request. Then required a large fee for payment of balance or a cumbersome fraud claims process. I applied for a loan with another company at the end of October 2015. Not a marketing firm who matches you with lenders. This was a direct loan with a company I have done business with before. I signed and agreed with that company and the exact loan amount was deposited in my account. Then mysteriously a few days later a $500 deposit was made to my bank account by AWL. Then at my next payday a withdrawal was made by the same AWL company. I then searched the term AWL online and found American Web Loans. I then called AWL and the operator informed me that I did in fact have an account with them. Even though I had never applied to AWL or with a lender matching firm. I asked to have the balance of the loan removed from my account and was then informed of a $172 fee that would be applied in addition to the $500 loan amount. This was on top of the previous withdrawal that had already been made by AWL from my bank account. I clarified with the operator and was then informed if I wished to dispute this loan I would need to complete a cumbersome fraud claims process. which would cost me considerable time and the withdrawals would still take place. There is no doubt in my mind that this company is fraudulently issuing loans to people who have neither applied with their company or have ever even heard of them, then requiring a fraud claims process that nobody would want to complete. most people would just assume pay the fee then to deal with the fraud process. This place is scamming people and is not conducting business in a ethical manner. why on earth would somebody apply for a loan in my name and then have the money deposited to my own account???? Had the money been deposited into another account and then I was repaying it...maybe that would be possible. But obviously this company is the fraud here.

Desired Settlement: the only thing that would satisfy me in this situation is the business refunding me any fees that were assessed and simply take the $500 dollars that was deposited to my account.

Business Response: Initial Business Response /* (1000, 5, 2015/12/04) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I believe I explained "why" I have an issue/complaint with American Web Loan in the documentation filed here. Also there is a recorded phone conversation with American Web Loans that they have when I called them. So assuming there is no issue to resolve is almost comical. I have no doubt you would like to forget all about this since I had to pay off the loan and fees so that you would quit taking money out of my account. The loan and fees from American Web Loans that I did not want or request. Final Business Response /* (4000, 9, 2015/12/08) */ We are in receipt of complaint #********. We have tried to contact Mr. ****** ****** on 12/03/2015, 12/04/2015 and again on 12/08/2015; each attempt was unsuccessful. We are happy to speak with Mr. ****** regarding his complaint with American Web Loan. However, we have not heard back from Mr. ******, therefore, we assume there is no issue to resolve. We included our contact information in the voicemail and are still available to speak with Mr. ******. We can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

12/7/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for loan with AWL and did not know I had to pay back $5,000 for a $1,000 loan. They have been deducting $300.00 every two weeks from my bank since October. I check my account and saw that none of the money they deducted was put toward my loan amount. All of the money they took from me already is for interest. I called them to ask why none of the money was applied to the original loan and they said I had to pay the interest first or pay them $1,300. If I continue to have them deduct the $300.00 out of my account every two weeks the loan will not be paid off until May 2016 and I will have paid them close to or more than $5,000 for a 1,000 loan. At the time I needed a loan they provided it to me but in the end they are causing me more problems because I will not be able to pay my rent or any other bills if this continues.

Desired Settlement: I want AWL to stop taking payments out of my bank account and to close my account out as paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/11/24) */ We are in receipt of complaint #********. We attempted to contact Mr. ******** ***********., however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response.

12/7/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Payments are only going to fees and interest and never to the principle. I have paid $600 on a $400 loan. I want to be done. I received a $400 loan in June of 2015. I have made 5 payments of $120 thus far. None of this is going to the principal of the loan, which I did not know. Whenever I look up my account online, it doesn't show any payments that have been made, which where automatically deducted from my checking account every two weeks. I would like to be done with this loan and not have to deal with these people again.

Desired Settlement: To consider the loan paid in full with $600 that has been paid by automatic deductions from my checking account.

Business Response: Initial Business Response /* (1000, 5, 2015/11/17) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I had received several harassing phone calls per day, for over a week, prior to receiving three phone calls regarding my complaint. I will be calling g AWL today, on my break, to resolve this. I am not paying any more money and would appreciate not getting three phone calls a day including calling my work which is unacceptable business practice. Final Consumer Response /* (4200, 11, 2015/11/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received two calls regarding my complaint with the BBB, on 11/16 & 11/17, from ****** ********. I was at work both times and unable to answer. I returned her calls and have left two messages. I do not get home from work until 3:30 p.m EST. I would like to have this issue resolved. I will only speak to Ms. ******** as she is the one who actually received my complaint. Sincerely, ****** ******* Final Business Response /* (4000, 13, 2015/11/23) */ We are in receipt of complaint #********. Our previous attempts to contact Ms. ****** ******* by phone have been unsuccessful. On 11/23/2015, We sent an Email to Ms. ******* advising her of a resolution we feel is in her best interest and the best interest of our Company. We also sent our contact information and are still available to discuss any issue/concern she has with American Web Loan. We can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

12/3/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: American Web Loan has been calling my cell phone after I sent a letter to tell them to cease all communication. In May I took out a loan with American Web Loan of which I was unaware of the interest charges they charged on the account. The state I lived in at that time only authorizes loans like this to be a maximum percentage of 25% and they charged a 414.78%. This loan I feel is a scam and I reported them to the DIFS. This loan was taken out for $1700, they charged $7533.09. Of which $1158.96 was paid on this loan through my bank account before I clised it and I paid the remaining amount in October to total the principal amount of $1700. Taking the advice of a lawyer, I wrote a formal letter on Octobeer 25 indicating the contract was void due to a unconscionable contract, and to mark the money order "paid in full" and to request that no further contact me made to me as the loan was paid. Since then, I have recieved a total of 6 calls from American Web Loan violating my consumer protection rights of no further contact. This company is a fraud, and its clear if they were legit they would know what that letter meant and what it now means that they have violated a federal law. You are now my 3rd company I have reached out on the matter as I had stated I would do in the letter should they not follow my rights as a consumer.

Desired Settlement: No further contact be made, and the bill deemed paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/11/24) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ********** by phone and email, however, we have not heard back from Ms. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/11/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) The letter was clear, stop all contact. I don't intend to play games as they are doing. I forwarded and copied the calls I got from them to the appropriate agencies who deal with consumer rights, as stated that I would do in the letter. If further contact is made, I will begin legal action of harrassment charges. The loan is paid in full. Close it out. Final Business Response /* (4000, 9, 2015/12/01) */ We are in receipt of complaint #********. Due to the number and nature of complaints, we attempted to contact Ms. ******* **********, our goal is to resolve any issue/complaint she has with American Web Loan. However, she has declined to speak with us concerning why she has any issue and/or complaint with us. Therefore, we assume there is no issue to resolve. We remain available to discuss any issue and/or complaint she has with American Web Loan. We can be reached directly through our Resolution Department at 1.866.304.1688. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Final Consumer Response /* (4200, 11, 2015/12/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) And I will assume the matter has ended.

11/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Paid over $1400.00 on a $900 loan. I took out a loan for $700 loan in July 2014. I have upgraded it a few times, it is now at $900. After reviewing bank statements, to date I have paid $1492.60 in fees for a $900 loan. They have gotten $592.60 out of me. I think this is fair. It is almost like these loans are designed to make you default. I want my account closed, marked paid in full.

Desired Settlement: I want my account closed and marked paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/11/23) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** ******. As of 11/23/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/11/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) We have an agreement for me to pay $350 on 11/25/15, which has cleared my bank account. This will settle the account that I have with American Web Loan. I am waiting for confirmation that my account has been closed via e-mail.

11/30/2015 Delivery Issues
11/17/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Borrowed $300 from this company and have paid $650 just in interest and fees and I still owe the original $300. This company is not forthcoming in the amount of fees that will be paid. You end up paying a ridiculous amount of money back on a minimal loan. I sent an email to their customer service department indicating they can no longer debit my account.

Desired Settlement: I will like my account marked paid in full as I covered the principal of my initial loan as well as interest and fees

Business Response: Initial Business Response /* (1000, 5, 2015/11/17) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* *****. As of 11/17/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/11/17) */ Spoke with American Web Loan on 11/17/15. Discussed their lack of transparency when it comes to information on their website. Agreed to mark my loan paid in full. I am very happy with this decision

11/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Account#: ******* Billing issues I took out a $700.00 loan and was told the payments would be $210.00 biweekly until the loan amount was paid off. In 3 months I have paid $1,680.00 in total on the account. The company does not explain the fees. All the payment I have made are actually for finance fees. Then after checking if payday loans are illegal in the state of New Jersey. By New Jersey law, short-term interest rates are capped at 30 percent.

Desired Settlement: I am requesting the following from the company: -Please do not contact me by phone calls. - Please do not contact my employer and anyone else associated with me, including friends, neighbors, etc. - Stop all collection actions against me. Stop any bad credit reporting against me based on this illegal loan. Per New Jersey Law Long-Distance Payday Lending The Internet provides a way for payday lending operations to offer loans to New Jersey residents. An online lender may extend such a loan without verifying the borrower's state of residence, and require repayment by an electronic debit direct from the borrower's bank account. This is also barred by New Jersey law, however, which covers a lender "wherever located," who induces a borrower to a payday loan arrangement by phone, mail, broadcast advertisement or over the Internet. New Jersey Cap on Usury Rates By New Jersey law, short-term interest rates are capped at 30 percent. I would like this bill to be considered paid in in full with no negative remarks on or towards my credit and anything paid over $700.00 to be paid back to me.

Business Response: Initial Business Response /* (1000, 5, 2015/11/10) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Initial Consumer Rebuttal /* (2000, 8, 2015/11/12) */ 11/11/2015 @ 11:14 a.m. I spoke with ****** ******** a representative in the Resolution Department at American Web Loan. I expressed by concern regarding the complaint and my concerns. Per our conversation and a follow-up email, the account has been settled and closed. Please update the status of this case to closed.

11/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Not letting me pay off loan immediately. I tried to pay off my loan today, Thursday, 10/22/15 and they will not let me pay it off until Monday, 10/26/15. Thus charging me an additional 4 days interest.

Desired Settlement: I want to be refunded the additional $40 for interest I should not have been charged for.

Business Response: Initial Business Response /* (1000, 5, 2015/10/26) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** **********. However, we have not heard back from Mr. ********** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. **********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/10/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) 1st, I have not been contacted by them, 2nd, they obviously did not read my complaint. so I will just coy paste it. : Not letting me pay off loan immediately. I tried to pay off my loan today, Thursday, 10/22/15 and they will not let me pay it off until Monday, 10/26/15. Thus charging me an additional 4 days interest. So is pretty clear that I want to be refunded for the interest I was charged for not being able to pay off my loan earlier. Oh, the name is **********, not **********. Final Consumer Response /* (4200, 15, 2015/11/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I work during your business hours? Why can't you contact me email? Why can you not just fix the issue? All your doing is delaying this. This is unacceptable and the BBB should not tolerate it. I cannot call during the hours, as again, I work. Which I told you last time. Each time you respond it's the same thing over and over. I need a different resolution. Oh, I don't appreciate you lying as messages were NEVER left. This is another complaint I have towards your company with the BBB. Final Business Response /* (4000, 19, 2015/11/12) */ We are in receipt of complaint #********. We have sent a email resolution to Mr. ***** ********** as he requested. We have not heard back from Mr. ********** concerning the concern with American Web Loan. Mr. ********** is welcome to contact us at his earliest convenience. We can be reached at 1.866.304.1688, this is a direct line to our Resolution Department. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

11/3/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I received a $800 loan from this company agreeing to pay back $1040. Now the company is alleging I owe more. I received a $800 loan from this company agreeing to terms over the phone to have money taken out of my account bi-weekly until the loan is paid in full at $800 plus finance charge of $240, totaling $1040. The company has taken more than that amount from my account and is still alleging that I owe more. I agreed to terms over the phone and did not sign anything to the contrary. I was told during the conversation that the call was being recorded and would be kept for the record but the company has failed to produce that conversation or anything with my signature stating otherwise.

Desired Settlement: I would like the company to stop contacting me and close my case as loan has been paid in full plus financing charges.

Business Response: Initial Business Response /* (1000, 5, 2015/10/22) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ***, however, we have not heard back from Mr. *** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ***, we can amend the response.

10/28/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My complaint is about specific information not given Ive had a loan through American Web Loan since July. I am disatisfied and will never get a loan from them in the future. I got a $500 loan and im still paying on it every 2 weeks my bank account is automatically debited and i feel i have the right to get out of this loan..I was not told that none of my payments will go towards the principal i did not find that outuntil my first payment was made. Im paying $180 a month and that is just going for fees which is ridiculous especially since im on a very tight budgetbecause of rent and child support. I need to know how i can get out of this because i feel i paid this loan off already please help

Desired Settlement: Wanting to be done with this loan ive paid well over $600 already

Business Response: Initial Business Response /* (1000, 5, 2015/10/27) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** ********. As of 10/27/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/10/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/27/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Delivery of funds not as promised. Did not contact for any issues on my account. I applied for and was approved for a $400 payday loan through American Web Loan on Friday October 2, 2015. I was given the option for a same day wire transfer but advised that my bank might require a one day hold on the funds, which was fine at the moment. I checked my bank account at around 10:30 a.m. Monday October 5, 2015 to see that my account was $220 in the negative. I contacted my bank to inquire about a pending deposit for the amount to which they said they didn't have. I then contacted American Web Loan to address the issue. I was told that my bank, ********, did not qualify for the same day wire transfer and that she didn't know why it wasn't made known at the time I spoke with the previous agent when finalizing the loan. I asked why wasn't I called then when the error was discovered, the same day that the funds were denied because my bank didn't 'qualify'. She said she didn't know. When I informed her that my account was in the negative because of their lack of providing me with this information or calling to inform me of an alternative delivery method she proceeded to also inform me that they wouldn't be depositing the $400 because it wasn't their policy to deposit into an overdrafted account. The reason it is overdrafted in the first place is because they failed to deposit the funds when promised and did not inform me when they were NOT going to deposit the funds! I asked that they be responsible for my overdraft fee and they refused and continued to state that they would not release the funds until my account was back in good standing. I then called my bank back to inquire about these practices to which the representative stated that ******** would not deny any deposit let alone a deposit for an overdrafted account. I then asked if any information about the status of my account is released to a business just because of my status. He said that a company can inquire but no other information pertaining to balance is released. He also said they keep a record of inquiries for that information and that NONE had been listed for my account. I'm highly annoyed that this company did not inform me that my bank did not qualify for the same day transfer nor did they contact me to inform me of this. I have never heard of a business not sending a deposit to an overdrafted account, which she stated was their policy, and to be denied even the courtesy of covering my overdraft fee when they did not provide funds as stated and agreed to, is even more frustrating. I asked that they cancel the loan and to receive an email confirmation of the cancelation. I was informed that the loan was canceled and that getting an email would not be a problem. I have not yet received an email.

Desired Settlement: I would like for at least my overdraft fee to be compensated being that they did not deliver as agreed and did not inform me that the delivery would not take place.

Business Response: Initial Business Response /* (1000, 5, 2015/10/07) */ We are in receipt of complaint #********. We attempted to contact Ms. **** ***** on 2 separate days via the phone number on the complaint. However, we were not able to reach Ms. ***** or leave a message as her recording says no voicemail has been set up. We are available to discuss any issue and/or complaint Ms. ***** has with American Web Loan. We can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Initial Consumer Rebuttal /* (3000, 7, 2015/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Tried contacting me on two days? No I don't think so... There are NO calls from this establishment to my phone other than when I contacted them. My voicemail works being that I work overnight hours and sleep in day time hours ( usually between 530 am and 12 pm). SO I CAN RETURN ANY MISSED CALLS that happen during the normal business day. Disappointed in these pathetic lies to cover their lack of professionalism. Final Consumer Response /* (4200, 11, 2015/10/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) See...My daughter is in the care of my mother in law during the day...my phone is NEVER off anytime let alone during a normal day where normal business is conducted and SOMEONE HAD MY DAUGHTER...NEVER. Even if you were to call and I have a missed call, you will be called back. I have NOT ONE missed call from this company since we spoke that Friday and the loan was finalized and was told the money would be deposited as a wire transfer. I CALLED THEM the following Monday. And as for my voicemail...not set up? I don't think so...going in line with what I said earlier about normal business hours and making sure I can be contacted in case of my daughter. I also work nights and rest during the day so the voicemail is definitely set up because everyday business still needs handled despite my ' abnormal' shift. Please find another UNTRUE excuse. Final Business Response /* (4000, 13, 2015/10/15) */ We are in receipt of complaint #********. We attempted to reach Ms. **** ***** on 10/06/2015, 10/07/2015, 10/09/2015 and 10/15/2015 regarding the issue/complaint she has with American Web Loan. Each attempt to reach her, via the phone number on the complaint, (***) ********, has been unsuccessful as her recording says "The Voicemail has not been set up, please try your call again later." We are available to discuss any concerns from Ms. ***** but can not reach her or leave a message. Ms. ***** is welcome to contact us at her earliest convenience, we can be reached at 1.866.304.1688. This is a direct number to our Resolution Department, our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

10/26/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I had a $400 loan, they are charging more than they claim to be charging in june I got a $400 loan from AWL with the impression that I needed to pay $120 PER MONTH until it was paid off. BUT instead of taking automatic withdraws of $120 per month, they were taking $120 TWICE a month! when I called to ask about this (thinking I should be done or close to done paying the loan under the impression I had) they said they were only taking the withdraw once a month. then I was told that the minimum payment per month was $120, which ALL went towards the INTEREST, and anything more than the $120 payment would be put towards the actual loan - so if they were taking 2 PAYMENTS per month, then one of the two payments should have been going towards the loan - but wasn't. so I figured at that rate, and they told me the final payment would be in march of 2016, by then I will have paid over $1500 (making 2 payments a month!!) on a little $400 loan!! if I would have known THAT, I would have NEVER EVER gotten the loan! the reason for me wanting the load was cause I was in a financial rut - how am I suppose to pay at the rate they were taking it when I am already financially hurting and having to raise 2 kids?!! they were putting me in MORE debt than before the loan!

Desired Settlement: I would at least like for what I HAVE paid thus far to be considered "good" towards THE ACTUAL LOAN and the rest of the "payments" to be dropped/ cancelled since I am almost positive I will not be refunded.

Business Response: Initial Business Response /* (1000, 5, 2015/10/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/10/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) i do not accept their response because the last time I had talked with someone from AWL, all they could do to "help" was postpone payment to my next payday. they refused to accept what I have paid as "good" towards the loan itself and said that the only way to resolve this was for me to either pay in full or continue making the payments.. Final Business Response /* (4000, 9, 2015/10/14) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******* on 10/7/2015, 10/8/2015 and 10/14/2015 regarding the issue/concern she has with American Web Loan. Though each attempt was unsuccessful, we left messages for a return call. To date, we have not heard back from Ms. *******, therefore, we assume there is no issue to resolve. If we are able to speak with Ms. *******, we can amend the response. We are available during our hours of operation 8:00a.m. to 5:00p.m. CST Monday through Friday. We cann be reached at 1-866-304-1688.

10/26/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Feel like I am being overcharged and amounts were not properly explained. I took out a $500 loan June 2015, loan ID *******...have since paid back $1050. I understand these loans come with high interest but this is ridiculous. And NONE has been applied toward balance yet.

Desired Settlement: Would only like to have my account considered paid at this point and no further withdrawals from my bank account please

Business Response: Initial Business Response /* (1000, 5, 2015/10/13) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ****** on 10/08/2015, 10/09/2015 and 10/13/2015 in regards to this complaint. However, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

10/20/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My complaint that AWL never told me how much Interest I have to pay. On 04/01/2015 I did took out $300.00 Loan. Loan ID# ****** I was not being told about the Interest rate I had to pay. Loan Officer was misleading.

Desired Settlement: I want my refund back because the loan officer didn't tell how much interest I have to pay.

Business Response: Initial Business Response /* (1000, 5, 2015/10/08) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ****, we can amend the response. Final Business Response /* (4000, 8, 2015/10/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** ****. As of 10/08/2015 the concern has been resolved.

10/19/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Unfair loan practices included illegal / excessive interest rates and charges. Poor business ethics and unlawful lending terms. American Web Loan unlawfully provided loan at illegal interest rates. They did not explain nor did the spell out in the agreement about payments being made to loan principal, when I made payments to cover the principal they said that the payments made only went toward interest and I still owed the principal plus excessive (745%) interest. When I stopped the ACH payments they sold the loan to an Asset Recovery company and now they are threatening to sue us. Do not deal with these people.

Desired Settlement: We need a letter from them saying that the loan has been paid off. The principal loaned was $1400, within 4 weeks I paid back 4 weekly payments of $420 each for a total of $1680. This is excessive as it is but they still claim I owe them $1820. I need a letter from them saying the loan has been paid off.

Business Response: Initial Business Response /* (1000, 5, 2015/10/07) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. ******* ****** and advised him the account was sold to a 3rd Party Debt Purchaser. Mr. ****** is currently working with the Debt Purchaser to address any issue/complaint he has with the company. As of 10/07/2015 the concern with American Web Loan has been resolved.

10/19/2015 Advertising/Sales Issues | Complaint Details Unavailable
10/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Didn't knowingly sign any documents even electronically to obtain a loan. Outrageous interest rate resulting in $150 payments, none toward principle. 9/22/2015 called AWL to inquire about the balance of my loan. Loan was obtained on 5/19/2015, loan ID #******. My loan was in the amount of $500, since then I have made biweekly payments of $150, only yo discover that NONE of those payments have been applied to the principle. Therefore, AWL is charging the outrageous amount of $150 biweekly in interest charges. If you click on the "Rates & Terms" link on their website it tells you NOTHING about what they charge in interest and does not explain anything about the terms of the loan. They only email to you upon "signing" the loan application. I don't recall even clicking on the "Click here to Sign" link in the email. Total fraud and misrepresentation by this company!

Desired Settlement: Apply some of the $150 biweekly interest charges toward the principle to pay down this loan, which I didn't complete the application in the first place. I simply checked my bank balance one day and there was a $500 deposit from American Web Loans. Rates and Terms aren't made clear and, as I said, I didn't even complete the application process in order to obtain the loan.

Business Response: Initial Business Response /* (1000, 5, 2015/09/28) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/09/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) There WAS an issue to resolve, and when they attempted to contact me I was at work and could not respond or answer the phone. I did receive an email that they have closed my account and consider it paid in full. THIS is satisfactory to me. Every complaint/issue I had was spelled out in my original complaint. I have kept a copy of the aforementioned email in case I find my bank account being charged further. Final Business Response /* (4000, 9, 2015/09/29) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ******. As of 09/29/2015 the concern has been resolved.

10/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: AWL is a unethical company and rip off I took out a loan with this company thinking it would be a far loan due to seeing it advertised on T.V. my loan is for 1,100. When I talked on the phone to the agent they never told me I would have to pay 19 payments of 330 every 2 weeks. I had to call them back and squeeze a exact time my loan would be paid. I would have never taken a loan out with them if I had known they would literally be stealing from my bank account. Over 5000 will be what they will make off me. This is robbery. I don't mind paying the loan back and some fees of course for taking a loan. BUT REALLY 5000 for borrowing 1110! This should be illegal. I will have to close my bank account due to I can't afford to pay 5000 to a company that was not honest about its fees. I already have a great attorney that has settled harassment from a collection company before and if this company does me how I have read they do many. Harassment at work and so on I will do what I have to and then they will end up having to pay me! This place should be shut down they never told me the facts and only after weeks of paying have they finally told me the ridiculous amount I have to pay them back. I spoke to a rep #************* today who told me we still owe 16 more payments.

Desired Settlement: I expect them to except a far amount of payment to them for a very cheap loan. I don't mind paying back what I borrowed and far fees for the loan. I will not pay 16 more payments to them. I have paid them 3 payments already and am willing to pay what I borrowed and a amount fair for fees. I am willing to make 2 more payments to them which would bring my loan paid and 550 for loan fees... that is way more then any payday loan company would ask for.

Business Response: Initial Business Response /* (1000, 5, 2015/09/30) */ We are in receipt of complaint #********. We attempted to contact Mr. ******** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

10/5/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Over charged on a lone that's on herd of. They don't explain exactly what your receiving. I took this lone And it said it was 313.00 for 12 mouth and I except it believing it was for 12 mouth payment. No one contact me before receiving the money then I received the money and that's when I received more information saying that I had to pay back 313.00 for 52 weeks. This would add up two about more than 15,000.00 in 52 weeks. This is out ragegus on herd of. I can't believe that a company like this is even allow to give out bad loan like this. I ask the company what was the interest that they are charging me on this loan because I don't understand how I'm getting charged so much interest, I was never told how much. To this day I still don't know. No one should have to go Tru a situation like this it's wrong what this company is doing and I would like some one to look into this matter because I would not want anyone else to go thru what I went thru. All it does makes matter wrost for someone that is in need for a helping need of a loan. I can't not believe that that happened to me because if I knew the details I would've never never taken this loan. I would like to a refund back because I had pay 626.00 in interest and wasn't able to solve anything that the reason I took the loan for because I had to pay the loan back as soon as possible before I would go crazy try to pay a crazy loan like this one

Desired Settlement: I would like a refund if possible because I wasn't able to resolve my situation I just made it worse by paying out more money to pay back the loan. And if they can be more fare to the customers and be more reasonable with chargers alone is to help people when they need it not to abuse customers

Business Response: Initial Business Response /* (1000, 5, 2015/09/21) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* ****. As of 09/21/2015 the concern has been resolved.

10/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: When I got a loan from this company they did not disclose the interest rate they were going to charge me, or allow my online access until 09/21/15 I applied for a loan through this company. They did not disclose the interest rate to me nor did they disclose the correct amount of my "payments". They did not allow me access to my account until 4 days from the day they were going to take my first payment. I also found out a week after I received my loan they are not licensed in the state of Iowa to give loans. I called to request that they not draft from my account as I was going to pay them off and they advised they would not cancel the EFT from my account.

Desired Settlement: I want to be able to just pay off the 600 as I had the money to pay them off 3 days after I got the loan and they would not allow me access to my online account.

Business Response: Initial Business Response /* (1000, 5, 2015/09/23) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response.

10/1/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My purse was stolen and someone had my bank account number , my drivers license all my credit cards and an account was open with awl. my identity was stolen , and I let awl know what happened , My bank account has been withdrawln from awl for over 600.00 My bank stopped the payments , I had to close my account. I continue to be harrased by these people.

Desired Settlement: stop harrasing me and pay me back my money that has been withdrawln.

Business Response: Initial Business Response /* (1000, 5, 2015/09/25) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/09/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have tried to call and have been on hold. Final Consumer Response /* (4200, 11, 2015/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I called twice yesterday and left 2 messages for shiela. Final Business Response /* (4000, 13, 2015/10/01) */ We are in receipt of complaint #********. We received and returned calls to Ms. ******* *****, we left messages when we could not reach her by phone. On 09/30/2015 we had the opportunity to speak with Ms. *****. During our conversation, we offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ***** did not accept our good faith offer or provide a counter offer. Let me know if you have any further questions.

9/18/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Payed double the amount of my loan. I was not explained in detail the full terms of my loan. My payments went on the the principal and not the loan itself. If I would have known I would have never ever took out the loan in the first place.

Desired Settlement: I would like to settle my debt and be left alone

Business Response: Initial Business Response /* (1000, 5, 2015/09/04) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response.

9/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My loan was scheduled to be paid on 8/20/2015 and company continued to deduct funds from my account On 8/20/2015 my loan was paid in full. Company deducted funds on 9/8/2015 from my account. When I called regarding the payment taken the CS Rep stated that I missed a payment which was not true. The company attempted to deduct funds before the date I authorized and I made the payment 3 days later when I was made aware. My account was charged an overdraft fee, which was never recovered from the company. They stated that the missed payment (which was their error) cause my payment to be 3 days late and the account interest for the 4 days (16.89 per day) was outstanding resulting in 3 additional payment dates added on to the loan. When I asked how is that possible, because it was their error. This was 84.45 that I was told by the CS rep in January not to worry about because it was their mistake. This 84.45 was added to the principle and interest accrued according to the lady I spoke with name ****. I asked to speak with a supervisor, and another lady who stated her name was ******* was on the phone with the same tone as ****. She tried to explain that because of the post maturity interest clause 84.45 was now 1160.56 (4 additional installments bimonthly). They removed the additional installments but could not explain to me the one that was unauthorized to be deducted from my account on 9/8/15. She (**** posing as *******) gave me their web address to access my account and there was no history or account number listed to access payment information.

Desired Settlement: I want the payment deducted for 290.14 on 9/8/15, refunded to me. I met the terms of the contract. A 1300 loan cost me over 5000.

Business Response: Initial Business Response /* (1000, 5, 2015/09/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Initial Consumer Rebuttal /* (2000, 7, 2015/09/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I spoke with Sheila @ 866-304-1688, from American Web loan today 9/16/15. She stated that she will be sending me a check for the extra payment deducted for 290.14 in the mail to my home address. She also stated that she will be sending me a letter stating that the account is paid in full. I will consider the issue resolved once I receive the check and the confirmation letter that the loan is paid in full.

9/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: high interest fees and remaining balance more than what was borrowed I obtained a loan for $600 on November 20,2014. Interest and fees drawn from my checking account totaled $180 every two weeks ($360 per month). This got to be too costly that I couldn't keep up with the payments. The last $180 was drafted out of my checking account on January 30, 2015 which brought total payments since December to $540 and I made another payment of $50 in April. I called to discuss repayment and was told my balance was $960. This is ridiculous. Now they have turned my account over to an attorney called me and said my balance was $760 and who offered a settlement of $440 or make 5 payments of $150/month. Really!!!! Where's the $590 that I've already paid.

Desired Settlement: Adjust billing to reflect what I've already paid. Contact me with a reasonable offer to take care of this issue and close this case.

Business Response: Initial Business Response /* (1000, 5, 2015/09/04) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****-******, however, we have not heard back from Ms. *****-****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****-******, we can amend the response. Final Business Response /* (4000, 8, 2015/09/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** *****-******. As of 09/11/2015 the concern has been resolved.

9/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Being charged 458% on my 1000 loan totalling 3580, this info not given over the phone. Paid back over 1000.00 want acct setteled in full. I took out a pay day loan for a 1000.00 at the end of May. I was not informed that the interest rate was 458%, and that the total amount would total 3580.00. I am due for a payment this Friday 9/4/15 and called them to check on my acct thinking I was almost done with my loan (could not log on online) and was told that when I initally signed up for the loan I was given the above stated info I do not recall this info being given to me, there is no way in my right mind (no matter how desperate) would I have accepted those terms. I would like this loan to be setteled in full with American Web Pay. I checked online and they are not even legal with the state of Mass. I do not find the staff helpful and reading from a script. Again I would like all debited amounts from account to stop and for the account to state paid in full. being charged 458% interest rate not properly informed no where on their website, do I find a copy of the loan agreement all that is available is the amount that went towards the balance. I've paid back over a 1000.00 of the 1000.00 loan and it states I owe 951.00

Desired Settlement: I would like the debited amounts from my account to stop and to have this matter resolved, paid in full. Thank you.

Business Response: Initial Business Response /* (1000, 5, 2015/09/01) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ******. As of 09/01/2015 the concern has been resolved.

9/3/2015 Advertising/Sales Issues
8/24/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Incredibly vague and misleading terms of payment, customer service clerks do not offer solutions, or seem to care. May 2015: I made an effort to read the terms and conditions of the repayment of this $500.00 loan. I will admit I was in a hurry, but I was comfortable with what I had believed to be the payback process. I was more than willing and thought it more than fair to pay the $150.00 service fee for the $500.00 loan. I did find it strange there was no confirmation of payment recieved after they automatically removed funds from my bank. Upon paying the $500.00 plus the $150.00 there is still a $150.00 charge coming out of my account (August 4th) I called today, the woman on the other line says: "You are paying $150.00 biweekly to keep the loan open, none of it goes toward principal." I am not stupid, I can read, and the way these terms were presented to me were completely misleading, and dishonest. I am totally ok with paying American Web Loan the loan amount, and the $150.00 processing fee. I am not ok with them continuing to take money from my account to keep a loan open. Who in their right mind would want that as an option. To top it off, she said I have a three day grace period after each payment, to pay the full original amount. She actually asked me if I wanted to pay it all in full at the time. Who on earth would knowingly sign up for a loan with these terms and conditions? This company needs to be stopped, we are hard working people being taken advantage of.

Desired Settlement: I would like for American Web Loan to stop charging my account, I would like for them to consider my loan paid in full, which according to the way I understood the terms and conditions, is paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/08/10) */ We are in receipt of complaint #********. We attempted to contact Ms. ********* ******* on 08/05/2015, she returned the call and left a message requesting a email. We sent emails on 08/05/2015 and 08/10/2015. We provided our information and requested a return call at her earliest convenience. We are currently awaiting the return call to discuss any issue and/or complaint Ms. ******* has with American Web Loan. We are happy to speak with her, we can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

8/17/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: AWL is an illegal lender, not licensed in my state or any other. After having overpaid the loan, still trying to collect illegally. I never signed a contract with AWL. I spoke to someone in April over the phone who told me the fee for an $800 would be $164. It was ridiculous, but because of a family emergency and the need for quick funds, I took it. AWL proceeded to debit my account every 2 weeks. I came to find out that AWL is an illegal lender and that none of the payments had gone to principal. (Lenders to residents of my state of Wyoming are required to be licensed for the loan to be valid, enforceable, and collectible. ) I contacted AWL by email with this information and ACH revocation (having already paid the full principal plus an extra $21 at that point.) Then AWL debited my account again despite the revocation. I emailed them again about their dishonesty and did receive a confirmation of ACH revocation. However, at this point, I had paid the original $800 plus $185 in "fees". I have made AWL aware that I know they are an illegal lender and that while I had a moral obligation to repay the original principal, I had no legal obligation to pay fees on an invalid loan. I would like for AWL to mark this account which has the principal fully paid plus exorbitant fees as paid in full with a zero balance. I also demand that they cease and desist from calling me at any contact numbers at home or work. Such calls are prohibited in my place of employment. No matter how many times AWL says it, they are not a legal lender. Their laws apply only to tribal members and to those on their tribal lands. I am neither. Account #****************

Desired Settlement: I demand to be no longer contacted by this business as my obligation is concluded (though I had no legal obligation). I demand to not be called at home or work numbers as such contact is prohibited by my place of employment. I also expect a statement of zero balance and/or paid in full as the principal balance of this illegal loan has been fully repaid plus an extra 23%.

Business Response: Initial Business Response /* (1000, 6, 2015/08/13) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 9, 2015/08/13) */ Communication from AWL needs to come via EMAIL. Their propensity for trying to do phone by business where there is no paper trail or way to confirm what was and was not said is a large part of the problem. Final Consumer Response /* (4200, 13, 2015/08/17) */ I do not accept the response from AWL. I received 2 voicemails from AWL after telling them repeatedly that I am not able to speak by phone. I have repeatedly requested for email contact. AWL had no problem contacting me via email before I took out the loan asking if I was "still looking for a loan" and communicating via email to handle the process. Why they will not email now is beyond understanding. Speaking by phone offers no protection for anyone and is always advised as the way *not* to take care of business matters. It seems as if AWL never actually reads what is reported or communicated to them. (Especially since they have the same canned response for their BBB comlaints.) Final Business Response /* (4000, 12, 2015/08/17) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** Becket on 08/12/2015, 08/13/2015 and sent an Email on 08/17/2015 but our attempts were unsuccessful. We have asked that he contact our Resolution Department concerning why he has any issue and/or complaint with American Web Loan. We are available to speak with Mr. ******* and can be reached at 1.866.304.1688. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

8/5/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a 900.00 loan and my payment was to be 300.00/week. I have made payments as of 1200.00 so far and I called today and they stated non of th Non of that went tot the principle, all fees and the 600/month in fees continues.

Desired Settlement: We need to have some kind of a reasonable amended payment plan, 600/month in fees is insane!

Business Response: Initial Business Response /* (1000, 5, 2015/08/04) */ We are in receipt of complaint #********. We attempted to contact Ms. **** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (2000, 10, 2015/08/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) We have a temporary agreement and I hope to count this as resolved. ***

7/27/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Although I arranged to have this loan paid off they have taken out more than 3x the loan amount without contacting me and now say I still owe the loan I took out a $600 loan, was set to pay the loan back and was told the interst fees would decline as the loan was repaid. However, only fees have been taken out and now months later they say I still owe the full loan amount. They have now been paid over 3x as much as the original loan but still show no decrease in loan amount (despite me asking for part of the loan to be paid bi weekly with the fees) and thus want more money and will not work with me to bring down the cost of repaying this loan.

Desired Settlement: Consider the loan repaid based on all of the money paid to company over the last 6+ months which totals at least $300 per month.

Business Response: Initial Business Response /* (1000, 5, 2015/07/15) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response.

7/23/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: a loan for $1700 and it did not spell final payment amount. I ended up paying 30% on every $100. The company is a rip off and not a protected class. I took out a loan for $1700 and they never told me that I would be paying 30% on every $100. The company is a rip off and not a protected class. Just because they are Indians make them richer and caused me to pay $600.00 more interest. I am request that the fiduciary final interest rate be give in writing before the terms of accepting the loan and my refund of overpayment of $600.00

Desired Settlement: I am request that the fiduciary final interest rate be give in writing before the terms of accepting the loan and my refund of overpayment of $600.00

Business Response: Initial Business Response /* (1000, 5, 2015/07/21) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* *****. As of 07/21/2015 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2015/07/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) All I am requesting that all loans being applied for by ANY person should be explained and not just sent to a person or thought to have been sent that understanding is paramount. The rates need to fully disclosed upfront via phone and emailed in bold print before someone signs for this type of loan.

7/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Unreasonable interest rates being charged to my account for months. Almost tripling the amount borrowed. I requested a loan of $600 from American Web Loan in January 2015. I was advised that a minimum installment payment of $180 will be charged to my account until the loan is paid off. I wasn't made aware that I will continue making this payments for several months until only the last three payments will go toward the principal. When I added up all the payments made on the account, the total over $1,500 in interest only! I have been unable to pay my other essential bills such as utilities and car payment because of the unbelievable interest charged by AWL. Please, I caution anyone trying to take out a payday or installment loan to consider all other available options before getting a loan with AWL. I am an honest individual and I believe in paying back my debts; however, due to the intense financial hardship created by this, and a couple more payday loans from different providers I had to have my bank account frozen. I simply cannot afford to pay these continuing high interest rates which have, frankly, gotten out of control. Now I am in a bind and have received some calls about my account being sent off to collections. I sincerely hope that AWL will have the courtesy to waive the ongoing interest rates and let me pay off my balance (which I have already paid well over what I initially borrowed). This is simply not fair business practice or lending. I understand that the laws of Otoe-Missouria tribe govern their lending practices, but for the sake of fairness and justice I am disputing the continued interest rates bearing on my account. The breakdown is as follows: Every other Friday beginning 01/30/2015 $ 180 drafted from my account until 05/15/2015 for a total of $1,440. I made an extra payment (to bring down the principal balance) on 05/18/2015 for $125.00. Interest charges thus continued as of 05/22/2015 for $142.50 supposedly until the end of August 2015. I believe I have within reason and fairness paid this debt back with an exhorbitant interest. This is simply put usury and should be made illegal. I respectively request that AWL refund the excessive interest charges and pay off my balance. I have paid this lender more than enough.

Desired Settlement: I would like for my principal balance of 475 to be forgiven at this time as I have made extra payments resulting in financial hardship for me and my family. If AWL cannot do this for me, I am requesting that they consider lowering the principal balance or outright not charging any more interes to my account.

Business Response: Initial Business Response /* (1000, 5, 2015/07/02) */ We are in receipt of complaint #********. We reached out to Mr. ******** ***** by phoone and left a message. Mr. ***** returned our call and left a voicemail stating he is available after 5:30p.m. Cemtral Standard Time. Another Phone attempt has been made to Mr. *****, we are currently awaiting his call and would like to know of his availability during the day. Our hours of operation are 8:00a.m. to 5:00p.m. Central Standard Time, Monday through Friday. We would like the opportunity to speak with Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313.

7/13/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My husband took out a $400.00 loan in MY name with American Web Loan. He paid over $2,000.00 towards payoff in 4 months. They state he still owes. My husband took out a loan in MY name without signature around Christmastime 2014. I knew nothing of this alleged loan until I received a phone call at my place of employment in May 2015. My husband had already given them over %500.00 per month for 4 months & they state he still owes $1,000.00 for a $400.00 loan. They have been told NOT to contact me at work since it is a busy Operating Room environment. They continue to call anyway. Their loan practices are deceptive and outright outrageous. I consider it to be consumer fraud since they will not provide documentation of this alleged loan taken out by a man in a woman's name!!!

Desired Settlement: My husband took out this loan in MY name without SIGNING a thing! There is no copy of the loan to refer to. They state he still owes $1,000.00 after paying over $2,000.00 in 4 months for a $400.00 loan. They are calling me repetitively at work (an Operating Room) after being told NOT TO CONTACT me at that location. My husband told them he WILL NOT give them another dime since they have received more than 100% of their money back over 4 MONTHS!!! They continue to call the house, cell phone, and my place of employment without sending any type of documentation to us!!! Also, how can they approve a loan from a woman when speaking to a man without verification, signatures, or a copy of the loan in writing. Also, collections are not in writing. Just telephone calls!!! I do not know the loan number since I DID NOT TAKE OUT THE LOAN!!! They don't identify themselves, and are rude when you do speak to anyone.

Business Response: Initial Business Response /* (1000, 5, 2015/07/02) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** **********, however, we have not heard back from Ms. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/07/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) My husband took out a loan with American Web Loan in December 2014 for $1,000.00. This "company" took payments of $300.00 every 2 weeks for a total of 7 payments totaling $2,100.00 starting on January 2015 & ending in April 2015. He revoked their authority to take any more payments dating April 6, 2015 after complaining to them that he had given them more than double the amount loaned in 3 months yet they were telling him that he still owed them $1,000.00!!! My husband also told a "manager" at American Web Loan to STOP calling me at my place of employment as "I" had nothing to do with this loan and that I worked in a busy Operating Room with Traumas and that I could not be disturbed at work. Despite this conversation, American Web Loan continues to call me at work with the most recent of calls on June 21st by a man named **** ****** @ ************ and another call on June 24th by a man named ******* **** @*************. I called both of these numbers only to be greeted by robotic voicemail stating "---- is at home; please leave a message". Neither voicemail message stated that I was communicating with anyone from American Web Loan. I left a message for both men to quit calling me at work. After submitting my complaint with the BBB, I received a message on my home number from a woman named "******" stating that she received my complaint with the BBB, and she wanted to speak to me about it. I returned her call @ ************ to be greeted by "dead air". The number never rang, had voicemail, NOTHING!!! There was not anything or anyone there!!! I went to the American Web Loan website which did not explain anything about loans with percentage rates, etc. After "clicking" onto the contact us "link", it only reveals phone & fax numbers and an email address for you to contact them @ "customerservice@americanwebloans.com" but you cannot "click" on it ~ you have to physically type in the above email address into your browser. This website also states that it is covered by the OLA aka "online lenders alliance" and some type of Indian Reserve. When you click onto the OLA "contact us" link, it states the page is no longer available. I emailed American Web Loan to request a written copy of this loan and also a "cease & desist" communication, but I did not receive any type of response. My husband does not have any "written" loan documents ~ American Web Loan has not provided any type of written agreement of this "loan" and I can guarantee I DID NOT SIGN ANYTHING!!! Irregardless, American Web Loan has received MORE THAN DOUBLE the amount given to my husband which is also illegal. The percentage rate for anything in my state and according to the Bankers Association is 7%. That would equal $70.00. Even if the percentage rate for a loan was 30%, that would equal $300.00. American Web Loan has received more than $1,100.00 on top of the amount loaned!!! If you "******" American Web Loan, you will see complaints from tons of people claiming the same complaints that I have!!! American Web Loan DOES NOT have a license to operate in the state they are located (which I think is Oklahome) or in any state within the United Sates of America. They "pretend" to operate under some type of Indian Tribe alliance which they state supercedes any lending law within the United States!!! American Web Loan is just a loansharking front who believes they can collect more fees than allowed legally because they are an "Indian Tribe". How is this business able to operate and not be arrested!?! If I would loan money to people without a license and at these exorbitant rates I would be arrested for extortion!!! Bottom line, my husband IS NOT giving this place another dime, and I want American Web Loan to stop contacting me, especially at my place of employment, return any funds over and above what they are legally entitled to, to be unable to post any negative remarks against my credit score, and to be at least disbanded if not arrested for extortion and harassment!!! Final Business Response /* (4000, 9, 2015/07/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ********** via the phone number we have on file and left messages on 06/30/2015, 07/02/2015 and 07/08/2015. However, each attempt was unsuccessful and we have not heard back from Ms. **********. We are available to discuss any issue and/or complaint she has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Final Consumer Response /* (4200, 11, 2015/07/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Every time I call American Web Loan at the number that they provided to me, I am unable to reach them as there is no voicemail & at times there is just dead air. This business contacts me at home during the day when I am at work which is why I don't answer the phone when they call ~ I am at work & not at home. As previously stated, when I return their call, there is just "dead air", & no way to leave a message. On their website, they have a "Contact Us" link. When you click on it, there is not a link. You have to physically type in their address from your email browser. I have done that as well on July 2nd, but have not received a response. In fact, any "links" they have on their website just lead you to their phone & fax numbers. I find it hard to believe that a "legitimate" company calls people Monday thru Friday during the hours when most people work 9am-5pm and have no answering machine or voicemail type of system to return their calls. I also find it suspicious that a "legitimate" company does not have a link in which to contact them from their website and that you HAVE to physically type in their email address from your internet browser. Not to mention, any communication that is sent to "said" email address does not get returned. I am positive that this "company" only communicates by phone at THEIR convenience without any consideration for the working class individuals that work normal business hours. I am unable to receive calls or communicate from my place of employment ~ the environment that I work in prohibits that. So, if I am unavailable during THEIR business times, they consider me as being non-compliant to communication to resolve this matter. I find that as suspicious that there is NO WAY to communicate with them other than the hours of 9am-5pm Monday thru Friday only. They have never sent any letters to my home or contacted me by the U.S. Postal system EVER!!! All other legitimate companies have some type system to be able to communicate with them outside of normal business hours to resolve matters ~ American Web Loan does not. They also do not provide any type of paperwork to review & as stated in previous comments to the BBB, there is not a contract with them or any statement of what they are claiming that any agreement exists. I would believe that that would be illegal. I would presume that American Web Loan conducts their business by phone only so that there is no way there would be any evidence against them should law enforcement get involved with disputes. If American Web Loan believes that they are a legal company with a legal dispute, then they should send me something either by email or the postal system. If they do not, then I believe that my complaints are valid and there is nothing for me to discuss with them.

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

Complaint: borrowed 800 and have paid almost 1500 and i called and was told\i still owe 800 nothing has went toward principal as i said i borrowed 800 and after paying almost 1500 i am told i still owe 800

Desired Settlement: I feel i have paid enough i want it finalized and no further contact from them

Business Response: Initial Business Response /* (1000, 5, 2015/06/16) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ****** by phone and email, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

6/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Overpaying a loan On March 16, 2015 we obtained a loan for the amount of $400 from American Web Loan not knowing their horrible reputation. My agreement was that the first $120 deducted would be the interest and that the subsequent amounts would be the principal. In total $600 was deducted from my account. When I contacted the company to request an email showing that my account had been paid in full I was told no, I had only been paying interest and that I still owed $400. No, this is not right and I will not pay anymore. The reason I let the payments continue was that after the first payment, the rest were to go to the balance. That is what I was told my an agent for their company. When an additional $120 was deducted after I should have had a $0 balance that is when I called the company and was told different.

Desired Settlement: I want this account to be considered paid in full and no negative response listed on my credit report. The company received $200 more than their initial loan amount in a 5 week turnaround time. I want no further contact from them at all and no negative placed on my creidit report.

Business Response: Initial Business Response /* (1000, 5, 2015/06/11) */ We are in receipt of complaint #********. Our records do not reflect an account for Ms. ****** *****. However, we used the information on the complaint and located a Mr. ******* *****. We attempted to contact Mr. ***** on 06/10/2015 by phone and when we could not leave a message we sent an Email. We received a reply email stating Mr. ***** was not available. We made another attempt to reach Mr. ***** on 06/11/2015 and left a message on the phone number we have on file. We We have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Final Business Response /* (4000, 8, 2015/06/11) */ We are in receipt of complaint #********. Our records do not reflect an account for ****** *****. However, we used the information on the complaint and located a Mr. ******* *****. We have reviewed the complaint, spoken with Mr. ******* ***** and as of 06/11/2015 the concern has been resolved.

6/22/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company is robbing people. It says it is a loan company, but payments are considered a "fee" and you do no pay off the "loan". I paid over 1320 on a 1100 loan and did not even touch paying off the principal. In total I paid $1120 to borrow $1100 for 90 days.

Desired Settlement: I would like a refund of the amount that was not explained would be a "bi-weekly" and would not be used to pay down the original bill in the slightest. Total of 990 in "fees" that should have been put towards my principal.

Business Response: Initial Business Response /* (1000, 5, 2015/06/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

6/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The contract was not provide at the initiation of the loan. When questioned about it approximately 90 days later, still not sent and rude service Loan ID ************* contract not provided at loan initiation. when contacted approximately 90 days and greater than $2000 later the "manger" was rude and stated "too bad" in regards to attempts to rectify the situation. I contacted the company on 5/4/15 to discuss the terms of the loan and requested an amicable resolution and was told $1300, the amount of the loan was $1200.00. At that point I terminated the call and responded in writing that the amount was in dispute and to discontinue to withdraw payments from my account. on 5/15/15 $390 was again withdrawn from my account bringing the total amount paid to AWL to $2730.00 during the time period of 2/17/15-5/15/15. I have forwarded a letter to the organization noting my position on this matter and notifying them that I will be making a formal complain to BBB.

Desired Settlement: this loan be recognized as settled in full. Additionally I would not like any further contact from this organization. They are absolutely awful!

Business Response: Initial Business Response /* (1000, 8, 2015/06/04) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ****** by the Phone Number on the Complaint on 05/20/2015 and 05/21/2015. Messages were left on each attempt. In addition, an Email was forwared to Ms. ****** on 05/21/2015. We have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan, however, we are available to discuss any concerns. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

6/15/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The terminology of the loan is not adequately explained in terms understandable to consumers prior to making the agreement. The terminology of the loan is not adequately explained in terms understandable to consumers prior to making the agreement. The interest rate and the terms on how the "flex" payments are applied to the loan are not notated in a way that is clear with the initial transactions. It took two people to properly explain the number of payments I'd be billed for abd in what amount. A $700 will result in then taking $3,000 from me. The longer the loan is open the more they charge. The first 12 payments don't go to the principal it all goes to interest. This is entrapment.

Desired Settlement: The pay off amount if I paid it today would be $923.76 or so. I have already paid them $840.I will settle for the $1563 amount.

Business Response: Initial Business Response /* (1000, 5, 2015/05/27) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/05/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) They have only called me once. I just received the message. I will call them back today. Final Business Response /* (4000, 10, 2015/06/01) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ******. As of 05/29/2015 the concern has been resolved.

6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed $400.00 from the online loan company by the name of American web loan and unbeknownst to me I electronically signed to pay back over time a total of $1960.00, interest of $1560.00 and the $400.00 loan amount, the customer service representative Ron emailed me the agreement and the annual percentage rate is 777.61%, which is outrageous, every two weeks my checking account is being debited $120.00 until the loan is paid off which will be 06.18.2015, I arranged with my bank to have a stop pay placed on the last two payments which would have been on 06.04.2015 & 06.18.2015. I feel that I am owed a refund for any nominal amount I paid over the $400.00. Please help me in my fight to get my money back.Thank you,**** *****

Desired Settlement: DesiredSettlementID: Refund Refund of the monies I overpaid.

Business Response: Initial Business Response /* (1000, 6, 2015/06/02) */ We are in receipt of complaint #********. We attempted to contact Ms. **** ***** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Interest charged on loan exceeds state maximum. Unfair lending practices. On 1/16/15, I borrowed $700 dollars from American Web Loan. At that time they required automatic withdrawals in order to qualify for the lending. To date I have paid back $1890, of which none has been applied to the principle. I have attempted several times to revisit the terms and conditions of the this loan and there is nothing in the confirmation email nor on their website. I have paid back nearly three times the amount that was borrowed. I do believe that this exeeds the allowed limit within the state of Pennsylvania.

Desired Settlement: I would like to close the account with the $1890 considered as paid in full. Even though I believe I may be entitled to reimbursement for three times the amount overpaid under Pennslvania state law.

Business Response: Initial Business Response /* (1000, 5, 2015/06/03) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have taken out a loan for 600.00 and they are charging me 180.00 every two weeks for interest only. I can't pay any principle after 3 days. I have taken out a loan for 600.00 and they are charging me 180.00 every two weeks for interest only. I can't pay any principle after 3 days. Acct# ****** American Web Loan 03-16-2015 $600.00. I have only 3 days after the interest is taken out to pay any of the principle. the next payment is 5/21 of 180.00 and I wanted to pay some off prior to that date and they said I cannot do that. I feel this is loan sharking and illegal they are making each month 360.00 every month if I don't pay on the principle. can they do this???

Desired Settlement: I need to know if this is legal and if they can continue to do this with such a limited window to pay the loan. I have other bills and this is affecting my credit along with my means to pay.

Business Response: Initial Business Response /* (1000, 8, 2015/06/01) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** ******* on 05/15/2015 and 05/18/2015; we left messages each time requesting a return call. In addition, we attempted to contact Mr. ******* again on 6/1/2015 and left a message. We have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

6/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Loan specifications via phone was greatly different then the written version and/or contract. Bait and switch. In October 2014 I applied for a "web loan." After further consideration, I decided to decline the loan amount. A day or so later, a representative called me and spoke with me about my loan options. At the time, she indicated there was no penalty for prepaying, paying early or paying in installments. She also indicated that there was no additional fee for choosing the installment loan. I asked if there were additional fees aside from the loan amount and she indicated there was a one time fee of $249 which had to be paid first and the interest for the loan would be billed at one time, making the loan amount approximately $1,082, which was $482 more than my loan. While extremely high, I agreed to it once she offered no the no penalty option and to pay it back into equal installments until paid in full. I made a payment of $400 the first week it was due and calculated that I would pay off the entire loan by January 9, 2015 based on the terms that were provided via telephone. Unfortunately, when I made what I thought was my last payment, I received an email from American Web Loan that stated I owed an additional $770. It was if I never paid on the loan. When I called the 800# to get some assistance and clarification, I received robotic answers and no assistance with this matter. I explained to them what was explained to me and the amounts I paid. I was told that I didn't pay on the loan, only the interest and fees for paying in installments. I explained to the call center manager and the escalation manager what I was told and they said I should have did a better job at reading. I explained to both of them when the loan terms were read to me, I was NOT in front of a computer but I was in fact driving when the rep went over the terms and I trusted she was telling the truth. Both managers were not willing to do anything even though I also explained that this loan had been paid back plus interest and they were merely tacking on additional charges and that it wasn't fair. I had requested they discontinue debiting funds out of my checking account and that request fell upon deaf ears even though it was in writing. I contacted my back and to request several refunds. They are scrupulous, prey upon the desperate and are dishonest in there practices.

Desired Settlement: I should not owe them any additional funds. This account should state it's paid in full. I never want to hear from them again and I wish they would stop calling and emailing me. I will NEVER use their services again or any other webloan service.

Business Response: Initial Business Response /* (1000, 5, 2015/05/29) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

6/11/2015 Delivery Issues
6/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Collection practices are false and they are violating SC state law in regards to these practices. AWL was obtained by a family member without my authorization. They have taken out 303.00 out if my account. I have attempted to make contact upon review of my account and was told to call back on Monday. I did not obtain this loan and would like this cleared from anything that is attached to my name or social security or I will sue AWL. I am a victim of identity theft and all of this is reflected on my credit report through *******. i will be contacting my credit union and attorney. i know my rights according to the State of SC.

Desired Settlement: My desired settlement is to have this account closed and all information pertaining to my name and social security sent to me in writing that all this has been cleared and no further action will be taken. If I do not receive something in writing within 30 days from the date of this complaint, I will move forward with any legal action necessary upon the advice of my attorney. I will be contacting the AG office for the state of SC and OK and also Consumer Affairs.

Business Response: Initial Business Response /* (1000, 5, 2015/05/28) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** ********. As of 05/28/2015 we have spoken with Ms. ******** and the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2015/06/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) This cases is not closed until a satiafactory resolution has been given that is suitable for both myself and American Web loan. I need some form of document outlining what the resolution is and that is was resolved once that has been determined Final Business Response /* (4000, 9, 2015/06/09) */ We are in receipt of complaint #********. Previously, on 05/28/2015, we spoke with Ms. ******** ********. We addressed the issue and/or complaint she had against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. We followed up with Ms. ******** on 06/09/2015 for the resolution fulfillment (production of documentation of the evidence/indicia of fraud) and learned she declined AWL's good faith offer and did not inform of us of that decision. Since all known issues and/or complaints were addressed in our conversation with Ms. ******** and a resolution was agreed upon, we moved forward as if this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions.

6/8/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: This company gives Shady loans. It never tells people there direct deposit payments are for interest payments only and do not go towards the loan. There is nothing on the Web site to explain there loan practices. It is entrapment.

Desired Settlement: I have made 3 payments of $360 each and my $1200 loan is still $1200 and those payments were bi-weekly. I seek to freedom from there undesirable practices and the ability to have companies like this exposed as the frauds they are.

Business Response: Initial Business Response /* (1000, 5, 2015/05/27) */ We are in receipt of complaint #********. We attempted to contact Mr. *********** *********, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response.

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

Complaint: THE LOAN WAS PAID BACK EXACTLY HOW SHE EXPLAINED. LEGAL ONE SERVICES NOW CALLING AND THREATENING ME WITH FRAUD CHARGES. We did a pay day loan which was a huge mistake and I will never do again this was back in April of last year. We are getting harrassed and threatening phone calls from a guy claiming to be ****** ***** from ********* Services . He says we didn't pay the loan that we did indeed pay back. We had to close our account to get them to stop taking money from us. AMERICAN WEB LOAN company out of OK . These people from ********* are calling from all different numbers the most frequent is ************. Saying he is filing fraud charges and that he is coming to our home today between 1200 and 5 pm. I called them back and of course they wanted me to make a payment over the phone of 1,275 .00 ( we borrowed 500.00 and payed back 750 plus before we closed the account which is what we agreed to ) I told him I would not pay anything over phone as that got us in trouble in the first place . I asked them to send us something they said they already have... I have not got anything from them. Now they are calling everyday . ​Thank You

Desired Settlement: I would like them to aknowledge the debt is payed , that there was no fraud done by me and I would like the phone calls to stop.

Business Response: Initial Business Response /* (1000, 5, 2015/05/19) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ****** via email due to no phone number in our files or on the complaint. However, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) Please send something via mail. How come you don't have a contact number for me but someone continues to call trying to collect money ? Final Business Response /* (4000, 9, 2015/05/21) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ****** via email on 05/18/2015 and 05/19/2015 and requeted return calls. The phone number we had on file is invalid and there is no updated phone number on the complaint. Mr. ****** has requested USPS Mail, however, due to the length of time to resolve any issue/concern he has with American Web Loan, we think it would be in the best interest of both parties if he could contact us. We sent another email on 05/21/2015 including our information. To date, we have not heard back from Mr. ******, we are available to discuss any issue and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

6/1/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Applied for loan. Was told would receive call before finalization never Did. Loan terms never truly outlined to me. Will not respond to emails. Applied for loan on internet on Feb 11th with American Web Loan. At end of application process w as s told would be contacted via phone call. Never happened. Set up on flexible payments bi-weekly. It is now May 14th. Have paid 1440.00 with none of payments going towards principle. Have not been responded to from emails I have sent. Customer Service is very rude. The loan was for 600. They take out 180 every two weeks. They do not have full disclosure of their payment schedule. I knew there would be interest and fees. Had they called and fully disclosed or responded to my emails I would have never chose to work with them. I feel that this is a scam to make them money. The loan number is ******. I havent even been made aware of when the payments will stop it if they ever will. I am looking to have this debt considered paid or at least close to it. Their lack of communication and failure to act in a professional manor is unexceptible.

Desired Settlement: I am seeking the loan to be paid in full. I have paid close to triple the amount borrowed. I have also read other consumers complaints regarding this business. Amounts higher then the amount borrowed with cheaper payments and once a month. With their disclosure that credit doesn't matter. This company is not doing right by me or any other consumer. If there is any legal action that can be taken I would like to be made aware.

Business Response: Initial Business Response /* (1000, 5, 2015/05/19) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response.

6/1/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took a loan for $600 on 1/23/15. Was told the repayment to be 6 payments of $180. I made 7 payments totaling $1175. I took a loan of $600 on 1/23/15. I was told the repayment plan would be $180 every two weeks for six payments. My first payment was made on 2/6/15 for $180. Then on 2/20/15 I made a larger payment of $350 to try to help pay off the loan sooner. I was told that my remaining payments would be $129 each (I had 4 payments left). They have now taken a total of 7 payments out of my account for a total of $1175. I called them today and they told me the agreement was for 16 payments not 6. I am not crazy and would never agree to this. 6 payments was bad enough. According to them I will be paying an additional $1161 on this account totaling $2336 on a $600 loan. I did not agree to this.

Desired Settlement: They should close my account and consider it paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/05/18) */ We are in receipt of complaint #********. We attempted to contact Ms. **** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

5/29/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My complaint is misrepresentation of loan services and repayment interest and loan amount. This complaint is on AWL. I requested a 400.00 loan in February. , with biweekly flex payments of$180.00.. At which time I was in agreement thinking it would be 3 installments starting on 2/27/2015. Actual and no penalty for early payoff or additional principal payments. They said I could review my loan acct online at anytime to track payment history and Interest terms. Sounds great huh...? not exactly!,!! I believe it was the following 48hrs, I received confirmation by email that my loan was activated and to log onto MyAccount to view terms mad contract payment schedule. Upon doing so! I was totally dumbfounded to find the loan amount to be 600.00. At which time I contacted them to decline the loan. Gave the complete we can't honor your request due to contractual agreements. But that additional 200.00 would be taken out Immediately for 1st installment. At my own ignorance believed this to be true,and basically went on with my day to day rituals, thus forgetting to check my bank account throughout the week to confirm their promise... By then the 1st original installment of 180.00 was taken out on 2/27/2015 and has continued biweekly to present, with most recent payment on 5/8/2015. Mind you,this entire time trying to get customer service to address my concerns and misrepresented information. This most recent payment deduction on 5/8/2015 makes 6 installment payments of $180.00 making a $400($600.00) loan now $1,080.00. I don't see where in any state or law compliance that an interest rate of that substantial amount would be legal. By way of "my Account " online loan website account, paying my loan off in full. Would be $780.00. I'm appalled first at my own blind ignorance that I didn't follow through when the loan amount was incorrect from get go, but 2nd, if this cycle doesn't stop this is just a ring a round ***** no end situation, ending in my bank account of 30yrs being in negative arrears!!! Please Please Help me with a solution and resolution to this **** I've found myself to be living in!!?? Thank you. ***** ******

Desired Settlement: Payments made to date be offered as Final Payment, Account Paid In Full as of 5/8/2015. thank you very much with your assistance in this matter.

Business Response: Initial Business Response /* (1000, 5, 2015/05/15) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** ******. As of 05/15/2015 the concern has been resolved.

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

Complaint: This company is operating illegally in the State of Ohio. In order to provide loans to residents in Ohio, you must be licensed. Stupidly, I took out a loan from this company on March 5, 2014 for $400. I made 5 payments of $120 and a final payment of $520. Since they are not licensed in Ohio, they are not allowed to charge me the $120 in fees. This means I over paid them $620 over what I should have because of their illegal operations. Broken down: $120 x 5 + $520 - $400 principle. Overpayment: $620. Stupidly again, I took out another loan in August 2014 for $300. I made 4 payments of $85.50 which means I over paid the loan by $42. At this time, I finally figured out that they are operating illegally and addressed it with them. They proceeded to tell me about Tribal Law nonsense of which has no meaning to me or any law official. At this point I asked for a paid in full letter. They continued to ignore me and proceeded to threaten collections. I sent them all of the documentation that I had showing that I had overpaid. As a side note, I never even received a hard copy of the contract. Any legit company would send this to the customer. I have tried to log in and my account with them is open with no loan documents. How is that legal? well it is not. So today I receive a call from a collection agency by the name of ************** LLC. claiming that I owe American Web Loan $385.50. Really? This collection agency called my family members of which they said AWL provided them with the phone numbers. I want my money back and I want the collection activity to stop!!!

Desired Settlement: I want the collection activity to stop and I want my money back less the principal. That would be $662. and I would like it ASAP.

Business Response: Initial Business Response /* (1000, 5, 2015/05/11) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. **** ****** on 05/07/2015. Ms. ****** advised us she could not discuss the issue/concern she has with American Web Loan at the time but she would call back. We have not heard back from Ms. ****** so we sent her a email of our resolution. If Ms. ****** still has questions, we are available to discuss any issue and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

5/22/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The company fails to explain their terms to you properly. They did not explain their terms properly. I took a 600 dollar loan out and was unaware of the amount I would have to pay back until after I signed up for the loan. I would of never done this if I knew how much I would have to pay back from the beginning. I was then told that the money they take every two weeks doesn't go toward the actual loan, it goes towards interest. They need to be shut down.

Desired Settlement: I want my loan to be withdrawn and to have no further responsibility to pay beyond my loan amount of 600

Business Response: Initial Business Response /* (1000, 8, 2015/05/06) */ We are in receipt of complaint #********. We attempted to contact Ms. ******' ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 10, 2015/05/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not received any calls from them. They should have my correct number on file, if not, I can update with them. Final Business Response /* (4000, 12, 2015/05/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ******' ****** by phone. After each unsuccessful phone attempt on 4/22/2015 & 04/24/2015, we sent Emails. In addition, on 05/08/2015, we left a message for Ms. ****** by phone and sent another Email to contact us at her earliest convenience. However, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. We are available to discuss any concerns, we can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

5/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On Dec. 04 2013, incomplete application for an online pay day loan, which was not deposited into my bank account. They are threatening me with court. Upon the alleged deposit of the money into my account, there were two payments later on that were taken out. There was no money/services provided by American Web Loan. Allegedly my "account" with them went delinquent after January 03 2014, due to having to close my old bank account from fraudulent activity by the fore mentioned company. I am now being threatened at work and home by a second company titled NCI to take legal actions to claim the money I "owe" AWL. There was no initial police report filed due to advisory from our bank officer, and I am seeking all information from the bank about the incident.

Desired Settlement: For the company to quit harassing me.

Business Response: Initial Business Response /* (1000, 5, 2015/05/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response.

5/21/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed money form this site years ago and they still are trying to get money from me by threating me with arrest jail time contacting my employer. it has been so long ago I dont have dates I paid them back and they kept taking the money out of my checking account I had to close account and go to a new bank I paid them back over and above the amount I owed them

Desired Settlement: just to leave me alone

Business Response: Initial Business Response /* (1000, 5, 2015/05/18) */ We are in receipt of complaint #********. We attempted to contact Ms. *** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/05/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not want to talk to any of these nasty people the y call me at work and say they are coming to have me arrested and they are coming to my house. I have been having anxiety over this and it is so bad I do not leave my house I go to work come home and I talk to no one and i don't leave the house. The person name is ******* ******. Final Business Response /* (4000, 9, 2015/05/20) */ We are in receipt of complaint #********. We contacted Ms. *** ****** on 05/15/2015 and 05/18/2015 and left messages both days. In addition, after receiving the attached reply, we attempted to contact Ms. ****** again on 5/20/2015 to ensure her we are trying to resolve the issue/concern she has with American Web Loan. Ms. ****** has declined to speak with American Web Loan concerning why she has any issue and/or complaint. We are available to discuss any issue and/or complaint. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Final Consumer Response /* (4200, 11, 2015/05/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) but when I can speak with the I will call it will take me awhile to build up the courage after all the anxiety the put me thru

5/21/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Took out 800$ was told I would pay 233.00 biweekly until the loan paid off. I have now paid over 2200$ on this loan when the terms were not explained. They do not explain the fees and that none of the payments are actually going to interest. I had to stop payment since I could not afford this loan and I have already paid almost triple the amount I first borrowed. The company is rude when you call and offer no help. Now I just received a message that I owe 1400+ still. This makes no sense they are not upfront about the fees. I would have just went with another company if I had known this.

Desired Settlement: Just seeking that my bill be set to paid no more payments. almost 2500 for 800 loan is more than enough since the practices the company uses to get business is wrong. I will also be filing a complaint with my attorney general.

Business Response: Initial Business Response /* (1000, 5, 2015/05/19) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/05/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) They could not reach me by phone but they emailed me and the issue was resolved from the email I received from the company they closed my account paid as agreed so there was a issue to resolve and it was resolved by them closing my account. There response should be amended to show they contacted me by email which is communication and the issue was resolved.

5/21/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Loan officer was misleading. Loan was suppose to be for 3 months. I took out a modest $500.00 in January 2015, I was told $138.00 biweekly. I was told that was going to be for 3 months and that was it, but they are still taking my money it is the 19th of May 2015.I checked online and another payment is due on the 22nd of May 2015. I never received any type of loan agreement that was supposed to be emailed according the customer service rep. I called to see why they were still collecting they said I still owe in full $500.00. Please someone tell me how they are getting away with this ? I am very frustrated since they said the loan would be paid off in 3 Months. I feel like I was given false information since the loan has been well over 3 months and nothing paid towards principal.

Desired Settlement: I am requesting that payments stop being debited from my account. I have paid far more than I should have for a $500 loan. The Bi-weekly payments of 138.00 is putting me in a financial hardship, I can not pay my electricity bill because of the funds being debited every two weeks and is currently facing a termination of service.

Business Response: Initial Business Response /* (1000, 5, 2015/05/20) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********* *********. As of 05/20/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/05/21) */ (The consumer indicated he/she ACCEPTED the response from the business.) AWL has agreed to stop funds from being debited from my bank account with the last one being debited on 5/22/15 for 138.00 which will satisfy my account with them.

5/19/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I feel this company did not explain their conditions in full. They were very vague in their terms and conditions even when I asked. I barrowed $600 from this company for a little extra help for Christmas for my kids as I am a single mom working 2 jobs to take care of them. I feel that they are trying to take advantage of me. I have paid back the $600 on top of an extra $300 plus $10.95 fee every time they withdrew from my account. Come to find out that because I didn't change my payment amount they are now charging me triple the amount I barrowed. I am currently 8 months pregnant and they are now harassing me and my place of employments causing me a lot of stress. My loan ID is ****** and my first payment was made on 12/26/14.

Desired Settlement: I want them to leave me alone as I am not goin to pay them anymore money. I've paid back the $600 on top of an extra $300 plus the $10.95 fee they charges every time they withdrew from my account. I feel I have paid them back and that they are ripping people off that are trying to work hard for their family when companies like this try and take advantage of them!! I don't feel I still owe them $980 that they are wanting me to continue paying. They charged me well over $1200 on a $600 loan!!

Business Response: Initial Business Response /* (1000, 5, 2015/05/07) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********* *****. As of 05/07/2015 the concern has been resolved.

5/18/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company trying to collect usurious funds from a loan I tool out a loan with them for $1,400 in June of 2014; which appeared to have generally reasonable terms. I never got a copy of the loan agreement from them and they were deliberately vague about the overall cost of the loan. I have repaid the company more than twice the principle that I borrowed from them; which is several hundred times more interest than the state of Maryland, where I live, allows by law. Despite this, the company has been hounding me with phone calls at work and at home, emailing me constantly asking for another $2,400. I finally told one of their agents that they were trying to collect on an illegal loan and that they should take me to court and make a case for why I should pay these kinds of ridiculous fees. They them added a collection agency called Admin Recovery and a man named Mr. ****** called my home, work and cell phone yesterday demanding the money. I explained to him that I'd already paid over twice the principle and that the loan terms they're trying to collect from me are illegal. HE then stated that the State of Maryland wouldn't protect me and that he could collect whatever he wanted. I told him that he was a liar and was trying to intimidate me. He them said that he is going to call my job, ask for employment verification and then try to collect as much money as he could from my pay and them slammed the phone down!

Desired Settlement: I'd like the following from the company: -Stop all phone calls, emails and letters to me and do not contact me in any manner - Stop contacting my employer and anyone else associated with me, including friends, neighbors, etc. - Cease any attempts to execute a wage assignment or other methods to gather funds from my pay or contact my employer in any way to collect funds from my pay. They do not have my consent to do any kind of wage assignment against me - Stop all collection actions against me. Stop any bad credit reporting against me based on this illegal loan. - Reimburse me for all funds that I paid them that are higher than what the state of Maryland legally allows them to collect.

Business Response: Initial Business Response /* (1000, 5, 2015/05/15) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* *******. As of 05/15/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/05/18) */ (The consumer indicated he/she ACCEPTED the response from the business.) I spoke to the company representative who agreed that I do not owe them any additional funds and that they would cease all direct and/or third-party collection activities.

5/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Have overpaid for loan would like amount settled. I took out a loan in Feb.for 800.00 have paid over 1200 soon to be 1400 and none has gone to the principal of the loan which I have clearly repaid.There is no documents online when you try to look it is blank to explain anything. Would like to settle the loan for a reasonable amount or have it satisfied.

Desired Settlement: Would like to settle the loan for a reasonable amount or have it satisfied.

Business Response: Initial Business Response /* (1000, 5, 2015/05/13) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. *********** *****. As of 05/13/2015 the concern has been resolved. Initial Consumer Rebuttal /* (2000, 7, 2015/05/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) Spoke with a very nice lady name ****** we were able to come to a mutually beneficial arrangement. I appreciated her help.

5/5/2015 Advertising/Sales Issues
5/4/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I never received a contract. i was told on the phone that the fees for $500 loan were $150 the first payment in full, then $30 for each pay till paid In January, I was given an offer for a loan from AWL. The "loan agent" contacted me by cell and advised me the loan would be issued for $500. The payment terms were the 10th and 25th of the month and for $150. The first payment of $150 was my "loan fee". Then, each further payment would cost $30 for interest until I paid in full. I could also prepay or pay the $30 interest out of each $150 payment.

Desired Settlement: when i went online to pay the loan off; it said i had to pay $650. according to what i was told; the loan should have only had a small balance. after reviewing all the debits. I show i overpaid by $20 on their last withdrawal.

Business Response: Initial Business Response /* (1000, 5, 2015/04/22) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** *******. As of 04/22/2015 the concern has been resolved.

5/4/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Contract clarity. Loan amount $800, been paying $456 PER MONTH GOOD FAITH PAYMENTS for 5.5 months? CLARIFY ... CLARIFY ... CLARIFY and consider making money without practicing such predatory business practices.

Desired Settlement: It would be great to have "good faith payments" applied to principal of loan $800, take an additioal $800 as the loan fee and simply return the $1108 of payments as it is a fair market practice rate.

Business Response: Initial Business Response /* (1000, 5, 2015/04/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** *****. As of 04/14/2015 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2015/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) While the company called and agreed to close the account, but offered no refund. Final Business Response /* (4000, 9, 2015/04/20) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. **** ***** on 04/15/2015. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Mr. ***** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions.

5/4/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: did not disclose all information that I needed to make a informed choice. never sent the contract. advertised one thing and said another. in oct of 2014 I thought I had paid off this loan I took a loan of 500.00 dollars and on the web site it says the first loan will cost you 400.00 dollars and the second 300.00 dollars I said ok just this once I thought when they talked about the payments it was once a month they did not tell me they would take out 150.00 every other week I could not keep up with the payments I had to make to keep us on our day to day living I paid over 1200.00 for this loan before I new that this was still coming out of our account. I called awl and that is when I was told that the loan was not paid off I was very confused and the man I talked to could not tell me why the web site said one thing and then they were telling me the other. I put a stop payment on this so they would not take any more money I got phone calls and I explained why I had stopped payment and said I had paid this in full and I was not going to give them any more money. they are now sending me threating emails I can prove that I had paid this.

Desired Settlement: I would like them to agree that this loan was paid in full and not contact me again

Business Response: Initial Business Response /* (1000, 5, 2015/04/22) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response.

4/28/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: took a $500 loan was told to repay $650 back. Ive been pay the company back bi-weeekly from deductions from my pay. now they say i owe $1200 took a $500 loan was told to repay $650 back. Ive been pay the company back bi-weeekly from deductions from my pay. now they say i owe $1200 . The company says I was making the Minimum payment amount. i was never told a set amount to pay and I was never given diffrent options just as long as i payed $650 also they even stopped withdrawing from my account for like 2 months so i feel they are stealing from my account. Account # *******

Desired Settlement: I just want them out of my account and of my credit report . I've paid them 650+ . I'm not paying them $1200 for a $500 loan that insane

Business Response: Initial Business Response /* (1000, 5, 2015/04/15) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

4/27/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: In December of 2014 I searched online for a company that could give me a loan. American Web Loan called me and asked my pay information and how much money was I wanting to borrow. I told them $400 The customer service rep that I was working with took all my information and asked me to hold on so she could see if the loan would be approved. She came back on the phone and told me the loan was approved. I asked her what was the interest and she told me $120 She told me the loan would be deducted from my checking account in the amount of $120 every two weeks until the loan was repaid. She told me I had to go online and fill out the application and the money would be deposited into my bank account. I filled out the application and they deposited the $400 into my account. However they have taken 9 payments of $120 out of my account and tell me that I owe 7 more. I spoke with customer service today and was told that unless I pay the entire $520 at one time. She says that they will continue to deduct $120 out of my account until 16 payments of $120 is reached or I pay one lump sum of $520 This is not the agreement I made with them and I definitely cannot afford to pay $1920 back for a $400 loan. The bank tells me that I cannot stop the payment because I authorized it. Please help me stop them from taking money out of my account. I have already paid $1080 back on a $400 loan. No one would agree to this amount of interest and neither did I!!! If they are allowed to continue deducting money from my account I will have paid $1920 for a $400 loan. PLEASE HELP!!!!Sincerely,******* *********** Product_Or_Service: $400 loan Account_Number: taken off website so

Desired Settlement: DesiredSettlementID: Refund I would like the money over the $520 that I owed them given back to me. I know I owed them $520 and I am not trying to get out of my responsibility of paying my loan. I just want the deductions from my account to stop and give me the over payment money back.

Business Response: Initial Business Response /* (1000, 5, 2015/04/07) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* **********. As of 04/07/2015 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2015/04/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) A woman named ****** called and spoke with me about the loan. She agreed to let the loan be considered as satisfied and no further payment needed to be made. I agreed to these terms. However when I spoke with her I was just so happy to get the money to quit coming out of my account that I didn't address the issue of the money I paid over the $520 that I was supposed to pay. This is a significant amount of money to me. I paid $560 more than I should have. She told me she was going to send me a email that the loan was satisfied and wanted me to contact the BBB and tell them that I am satisfied. I have not gotten any email from her. I also have tried to reach her so we could finish the discussion about the money I overpaid. I am grateful that she called to discuss this but I was at work and didn't have the correct mind frame to complete the conversation like I should have. I am very happy that she considers the loan paid off but I still believe they should not be allowed to keep the money I paid over the $520. I work very hard for my money and every penny of it counts. All I would like to resolve this case is the email she promised me saying the loan is satisfied and the money I paid over the agreed upon $520. Thank you very much for your help in this matter. Obviously I would have continued to get no response if the BBB had not helped me. It is greatly appreciated!! Final Business Response /* (4000, 9, 2015/04/14) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ******* ********** on 04/07/2015. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Ms. ******** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions.

4/22/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Took out a loan for $400 I have paid back $1,200 since NOV. & AWL refuses to give me details about how much I owe and when I'm paid off. My mom referred me to AWL in November and let me know of the referral plan they had going on--Neither one of us received that $100. Also when signing up, I knew I would pay back $120 until I was paid off but it never specified how much until I was paid off. I have been paying $120 every payday since NOVEMBER... Totaling $1,200. I have reached out MULTIPLE times for an explanation but they refuse to give me details via email and their website tells you ABSOLUTELY NOTHING and there is NO way to stop them from debiting that amount each paycheck. I've borrowed before and understand the rates. There is no way I would ever have to pay back more than twice what I borrowed. I am also aware that in the state of Ohio the loan company must legally have an office in the area and AWL does not. This is the biggest **** I've ever had to deal with. They should also be required by LAW to state what your payback amount is, payback options (lump sum amounts, in full, etc etc) I have experience with ******************************.com and they are GREAT about all of that. I despise this company and they deserve to be shut down. There is NO reason they should not have their payback details online or communicating via email the details.

Desired Settlement: As much as I feel I deserve money back... I just want this company to STOP stealing from me.

Business Response: Initial Business Response /* (1000, 5, 2015/04/15) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/04/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) The only way they have offered to reach me is if I call them. They have not attempted to call me and they had never responded to an email (other than 'Call us') until after the complaint was filed which was an 'agreement' I never agreed to. I'm supposed to pay back a total of $1,950 when I borrowed $400. No one in their right mind would agree to that. The only way to resolve this matter would be to stop me from finishing out that repayment. I have already paid back about $1,300.00 And if that can't be done, there will be no resolution. No reason in making a phone call. Final Consumer Response /* (4200, 11, 2015/04/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I didn't choose "yes" simply because I wasn't quite sure of the resolution offered. I received an email that my account had been closed but no further details. I would assume this means I am not held to pay the remaining $600? Please confirm then I will resolve the complaint. I appreciate your working with me. However I will still steer anyone away from this company going forward because everything I've experienced has been very illegitimate. But again, I appreciate your working to resolve this with me. Final Business Response /* (4000, 13, 2015/04/22) */ We are in receipt of the Complaint Case #********. Per the consumers recent request, we sent an updated response via email to Ms. ***** ****** and offered a resolution that we felt was fair to both the consumer and our business. Let me know if you have any further questions.

4/13/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In Oct. 2014, American web Loan lent us $600, telling us it would be $800 to pay back. They have deducted 1,080 and keep upping that. In Oct. 2014, American Web Loan loaned us $600 and said it would be $800 to pay back. They deducted $180 every two weeks from our checking account for 6 weeks before we caught it. Before we knew it, they had deducted 1,080 from our checking account, causing us to have 6 overdrafts on bills at $30 each. Upon calling them, they said we owed them another $600, then a 2nd call, they said it was $800. Now they keep calling several times a day and have begun calling our work. Caller id there showed it was the same number. We want the calls to stop and we consider it paid in full. In fact, we feel they owe us money back, but we more want the calls to stop and it be considered paid in full, thus we have paid the original $800 back.

Desired Settlement: We want the calls to stop and considered paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/03/30) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

4/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Misleading when disclosing repayment options. Customer pays interest ONLY every 2 weeks with nothing being credited towards your principal balance. December, 2014, I was faced with a financial crisis. I turned to AWL for help. I borrowed $1300 understanding that the interest rate was extremely high. When I agreed to the bi-monthly payments, it was not clear that absolutely none of these payments were going towards the principal balance. Therefore, I have been paying $780 amount ($390 every two weeks) since December, 2014. Therefore, I have paid triple the amount of the original loan. I understand that interest rates on these types are loans are higher than usual, but this company DOES NOTE make it clear that your monthly payments are INTEREST ONLY AND NOT REDUCING THE PRINCIPAL BALANCE AT ALL. I have paid this loan in full and strongly advise everyone NEVER to use this company for financial assistance. Total rip off and don't understand how this company can continue to mislead and take advantage of innocent people who are in need. When the terms and conditions where presented to me, I understood that the interest rate was $30 per hundred per month not bimonthly. I have paid a total of $2,370 in interest alone for this loan.

Desired Settlement: I expect a refund due to misleading and unclear terms and conditions of this loan. I have paid a total of $390 per pay check for three months totally $2370. I feel that I should only be responsible for paying the $390 per month that I was lead to believe would be the fee. Therefore, I expect a refund of at least $1,185 which I believe is fair.

Business Response: Initial Business Response /* (1000, 5, 2015/03/27) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** *********. As of 03/27/2015 the concern has been resolved.

4/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The interest rate's can't be legit or legal and how they explane there lone's are not explained. I feel and know I'm being charged way over a normal interest rate. I borrowed 500 dol. on jan 12 2015 first payment due 2/6/15 made 5 payments of $150 each so that's $750 I called them 3/21/15 and was told I still owed $500 I told them that's not possable and they informed me and explained how there loan's really worked I asked why wasn't this explained to me in the begining all they keep saying over and over was I owe them 16 payment's of $150 each until it's paid off. That's $2400 for a $500 loan. This is not legal

Desired Settlement: That were even $150 for a 2 month loan Is sufficent. I'm just so glad I caught this before they broke me. I Pray this issue can and will be resolved

Business Response: Initial Business Response /* (1000, 5, 2015/03/27) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr ******* *****. As of 03/27/2015 the concern has been resolved.

4/7/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This company is a scam. They sent me 400 and have taken over $600 out my accout an still trying. They said that is just interest i paid.no principal This campany gave me a short term loan in December 2014 for $400. I agreed every other week they would take out $120 to pay back the loan.After 4 payments i figured they were done.well they are still takeing money out my account. I called them and they said that was interest only payments that i did not touch the principal yet. That if i dont go on line an pay the $400 balance, even though already gave them $600 so far they will continue to take money out my account. I dont think so if i would of known the bs this company is i would of never delt with them. They are takeing advantage of people an scamming them.

Desired Settlement: I want my extra 200 dollars they took out my account. Did not authorize them to take more then what i was given.

Business Response: Initial Business Response /* (1000, 15, 2015/03/24) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 17, 2015/03/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) The calls and emails i am getting from web loans is to take a settlement for $650 and saying im in default.i have also forwarded them to the sheriff department. The only person i talked to told me none of my payments went to the principal and that to stop them from sending me to a debt collector they want another $650. Which is not happening. Im not giving them 1250 for a 400 dollar loan that was repaid plus interest. An i will not take a threaten to push me to give them more money.they are a fraudulent company that needs to be stopped. Final Business Response /* (4000, 19, 2015/03/26) */ We are in receipt of complaint #********. We used the Phone Number on the complaint and attempted to contact Ms. ***** ***** on 3/23/2015, 3/24/2015 & 3/26/2015. Each time we have left a message requesting a return call to adderss any issue/concern she has with American Web Loan. However, we have not heard back from Ms. ***** and, therefore, we assume there is no issue to resolve. We are available to discuss any issue and/or complaint she has with American Web Loan. We can be reached at 1.877.636.1353 Ext ****. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

4/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Did not request service, tried to return the deposit money I had noticed a deposit into my account $1100.00 from American Webloan into my bank account. I called to ask what this was and told that I applied for a loan at 750% and would have $330 taken out of my account every other week. I advised I did not request this and would return this money. I sent a check for the amount but it was not deposited, and instead $330 was taken out. I called again and was advised that the check arrived too late and needed to be sent 2 days before the withdrawl. the check was not cached and instead they continued to take out money and have done this 7 straight times. I had called and left voice mail messages w/this sup and only last week did they stop. but now they want the $1100.00 and still had to pay over this $330.00 7 times for a total of $2300.00 and they say I still will owe $2000+. I did not request this. I sent emails to stop. I called them and I am being charged for a service I did not want and request.

Desired Settlement: I want my money back. I did not want their service. I did not need their service and I did not request their service

Business Response: Initial Business Response /* (1000, 8, 2015/03/24) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. ******* ****** on 03/02/2015, we discussed his concerns and requested additional information. Since we had no reply, other attempts were made to contact Mr. ****** but we have not heard back from him concerning any issue and/or complaint with American Web Loan. We are available to speak with Mr. ******, we can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

4/3/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: American Web Loan fails to disclose full contract terms and obligations prior to an agreement. I contacted AWL back in August to take a small cash advance. I was approved for a loan amount higher than what was needed so I took a $400 loan. I was told the payment would be $120 every two weeks. After multiple payments I decided to check my balance online and was shocked to find out the loan amount had not gone down a cent. Upon contacting them I was told that the payments I was making were only interest to keep the loan in good standing.I stated that I wanted part of the amount withdrawn to apply to the principle.After several more months of payments, I again saw that the balance had not changed. I contacted my bank and had them place a stop payment on the withdrawal. Immediately following the stop payment I have been contacted several times by phone, email and also my place of employment. To date I have paid $1320.00 on a $400 loan. I was told in order for the loan to be paid in full I would owe them another $520 or if I allowed the loan to reach the full term I would have paid out over $2000. This company is in no way honest and up front about the services they offer. I will be joining a class action lawsuit against them.

Desired Settlement: I am requesting a refund in the amount of $590. At an interest rate of 30% and including a 30% transaction fee the total amount to be paid to American Web Loan would be $640 due to the loan being paid in full within the two week term which would have been the case had we been aware of the actual terms of the loan. If the company declines this request, or continues to harass me in anyway following my stop contact notice, I will pursue the matter civilly.

Business Response: Initial Business Response /* (1000, 5, 2015/03/19) */ We are in receipt of complaint #********. We attempted to contact Mr. *** *********, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response. Final Business Response /* (4000, 8, 2015/03/20) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. *** *********. As of 03/20/2015 the concern has been resolved.

4/3/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: misrepresentations regarding the terms of the loan for $400 prior to the agreeing to the loan. My complaint is misrepresentations regarding the terms of the loan for $400 prior to the agreeing to the loan. After I received the loan undisclosed charges and/or payments are automatically withdrawn out of my banking account, which often result in negative balances and/or overdraft fees. They also charged me exorbitant interest rates that sales representatives neglect to disclose; and/or neglect to explain how payments will be applied towards the loan in regards to principal or interest. At this point they state I owe them $1120 for a $400 dollar loan.

Desired Settlement: I've paid them $720 and they state I still owe them$1120. I'm seeking all charges to be dismissed.

Business Response: Initial Business Response /* (1000, 5, 2015/03/20) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response.

4/1/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Never actually disclosed that the 180 that has been taken out of my account every two weeks since the first of January does not count toward principle I entered into an agreement in December due to financial difficulty in taking care of my terminally ill Mother in Law, borrowed $600 on that date. I have since made 5 payments totaling $900 and when I realized that on my bank statement I reviewed my AWL account online, which states I still owe the $600. I had spoken with a rep initially because I wanted to make sure I understand what I was getting into; she told me i can make "extra" payments with the $180 to pay my loan off faster. Never did she say that no part of the $180 paid bi-weekly was actually applied to the loan itself. I have sent an email to the company demanding they stop, but have not received anything back from them. According to their site, I have another $180 that will be deducted tomorrow. They are preying on desperate people in desperate situations. This type of "interest" should be illegal. I intend to request my bank stop payment if this is not resolved TODAY! They should have to clearly divulge this information so people know what they are getting into for a mere $600. Now at a very difficult financial position due to my Mother-in-laws illness, this is putting more strain on our family.

Desired Settlement: I want this account noted as paid in full after receipt of the $900.00 and for them not to take another dime from my account; including the payment scheduled for tomorrow. To not report any negative history to the credit bureau's as every one of my 5 payments have been paid on the date required.

Business Response: Initial Business Response /* (1000, 6, 2015/03/23) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 8, 2015/03/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) We have been playing phone tag for the last couple of days. Have not had opportunity to discuss a potential resolution. Please leave case open. Final Business Response /* (4000, 10, 2015/03/30) */ We are in receipt of complaint #********. We have made 7 attempts by phone and email to reach Ms. ****** ***** but each attempt was unsuccessful. In addition, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. We are available to discuss any issue and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

3/31/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Unclear information and will not provide information in writing. Said they would email terms and conditions but did not This company is a rip off. I took a $500 loan to which I have paid back $750 and they still say I owe the 500 and the 750 was just interest. How is this legal...I have yet to see there terms and conditions which I have in an email that will not open. They take 150 every 2 weeks out off my account. I will be stopping this. when I got the loan k was told it was a fee of 150 on top off the 500 and I am still getting billed. What good is the bbb if you can't put a stop to companies like this.

Desired Settlement: Just want to be marked as paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/03/19) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** ****. As of 03/19/2015 the concern has been resolved.

3/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Applied for $600 loan on 11/21/14, Ended up having a total of $1860 deducted from my acct. Applied for $600 loan on 11/21/14, was told that interest would be additional $180, for a total of $780. Installments would be deducted from my checking acct in the amt of $180 until the loan was paid off. There were 10 installment loans taken from my acct for a total amt of $1080, I was told the loan was paid off in full, then today, 3/6, my acct got hit with an additional $780 payment. SO for a $600 loan, I paid $1860. There was no loan agreement emailed to me. Only email asking me to contact them to finalize the loan. In addition, the Rates and Terms link on their website states NOTHING at all about rates and terms. Their are only 4 bullet points. Loan amounts starting at $400 for new customers, $300 for returning customers Competitive rates Easy to understand terms Self-managed loans - manage your loan online The woman I talked to on the phone today about this was very rude and kept trying to Rush me off the phone. Her name is ****** ext 1313

Desired Settlement: I am seeking a refund of $1080, which is the difference between the original loan of $780 and the $1860 they took from me.

Business Response: Initial Business Response /* (1000, 5, 2015/03/12) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. *** ******* on 03/09/2015, she advised us she was not available and would return the call later that day. We have reached out to her again, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. We are available to speak with Ms. *******. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Initial Consumer Rebuttal /* (3000, 7, 2015/03/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Ian working with my bank right now and a lawyer and was advised not to have any direct contact with American Web Loan. This case has yet to be resolved. Please do not close it. Final Business Response /* (4000, 9, 2015/03/16) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. *** ******* and are still awaiting a return phone call. We attempted to contact Ms. ******* by both the Phone Number and Email on the Complaint. However, since we have not heard back from Ms. *******, we assume there is no issue to resolve. We are available to discuss any issue and/or complaint she has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

3/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They word their agreements the charges are very misleading. American web loan are thief's! The $180 payments that they automatically take from your account is just for interest. In the agreement they word it so it does not appear that way. They have now taken $1800 for a $600 dollar loan. I did not pay close enough attention until I realized my account was empty. After not being helped over the phone (the lady on the phone told me I had to pay an additional $600 to pay off the loan)I was finally directed to someone who could "help". She had no problem closing the loan because of how much I paid. But she still insisted that they were doing me a favor. I would not recommend American Web Loan to my worst enemy! I would sue them but the fees would just cost me more money that I don't have. I hope someone with the knowhow can shut them down so they can't rip off anyone else!

Desired Settlement: I would like a refund of my money. I took out a $600 loan. Over the phone I was told there would be a $10 fee. That seemed cheap so I went for it. Then after I received the loan I was sent an email saying the interest would cost $180. So I let it go. It does not say its $180 every two weeks for interest. The have not taken $1800 for the $600 loan. Once I called them and complained they wanted me to pay an additional $600 to pay off the loan. I asked to speak with the resolutions department and they had no problem closing the loan but had no interest in giving me any money back. I looked into other reviews and this had happened to many other people. They are completely unethical and take advantage of people.

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/03/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not received any calls from this company trying to resolve this problem. Final Business Response /* (4000, 9, 2015/03/17) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. **** ******** on 03/10/2015. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fait to both the consumer and our business. After receiving this complaint we attempted to contact Mr. **** ******** by phone and left messages on 03/12/2015, 03/13/2015 & 03/17/2015. We used the phone number we have on file as no new number was provided on the complaint. However, we have not heard back from Mr. ********, therefore, we assume there is no issue to resolve. We are available to discuss any additional issues and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

3/30/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The American Web Loan representative who helped me failed to disclose how payments are applied to the principal balance, resulting in a huge loan. I borrowed $300 from American Web Loan on December 29, 2014. At present, I have made $427.50 in on-time payments, but currently have a balance of the FULL $300 principal remaining. However, federal law - and the law in Louisiana, where I live and American Web Loan is presumably licensed to lend - clearly prohibits payments to these types of short-term loans that do NOT include payment of principal. As of yet, my $427.50 in payments have reduced my principal by $0. I have spoken with their online customer service and left several voice messages asking for a return call to address this issue, but I have been ignored and threatened. I was told many times that American Web Loan is "a tribal lending entity" and that their loans "are subject exclusively to the laws and jurisdiction of the Otoe-Missouria Reservation." However, I know for a fact that the laws of the tribe do NOT supersede state laws as they have no jurisdiction. Additionally, when I go to the company website and log into my account there is no option available to view my loan documents! It is required that I may a special call to do this, which is impossible as no one answers the phone or returns my calls. Meanwhile, my only option has been to continue paying interest/fee-only payments! I am very frustrated with the inability to reduce this debt and their steadfast refusal to admit it's not only deceitful, but also illegal! This is incredibly poor lending practice and a deceitful way to ensure that people pay 2-3 times as much as the original loan amount.

Desired Settlement: Given that I have now repaid the full $300 that was originally loaned to me with over $120 in interest as well, I wish to have American Web Loan waive the remaining balance of this loan and consider it paid in full. I think this is an EXTREMELY fair compromise.

Business Response: Initial Business Response /* (1000, 5, 2015/03/16) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******** *****. As of 03/16/2015 the concern has been resolved.

3/26/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I got a loan for 400 dollars with this company they continue to take money from my bank account totalling 900 dollars. I borrowed $400 dollars from America Web Loan. They charged me $565 dollar's which I thought was a high amount to pay back. However, I payed them $600 dollars back and they continue to take money from my bank account. When I called to ask why this was still happening. They said that the interest was the money I was paying on this loan and that the I will not be done paying off the $400 dollars until I pay 16 payment of 120 totalling 1,900. I said this makes no since to me what so ever. I will not pay a total of 1,900 when all that I borrowed is $400 dollars. The customer service rep could not help me all she kept doing was rebutal from the script that she is supposed to read. I asked to speak with a manager. The lady was very rude talking over me and said that when I called to talk to a custmer service rep about the loan and agreement standards that I agreed to this. I said no I didnt or however, If someone would have clearly said Mrs. **** you need to understand that if you borrow $4oo dollars from us we will take 1,900 from you. I said if this was clearly said to me I would have not borrowed money. I also mentioned tht I have borrowed money from other institutes and I have always payed back never ever have I had a institute take more money then what was borrowed. It's obsurb; I felt like I was dealing with the mob. The manager was once again rude and rebutel with talking over me and said I have a recording would you like to hear your agreement. I said yes. Then she said well I cant let you listen now because we are on the phone but I can call you back so that you can hear that you agreed to these terms I said ok. It is three weeks and I have not received a recording of what I agreed to. This company is misleading and over charging people. People who have issue's with surving. I explained to her why would someone who is in a finanical situation would agree to pay 1,900. The lady said unless I pay extra $400 dollars that day that next week i will be charged a extra $1oo dollars. So I was forced to pay $400 dollars extra to get them to stop taking money from my account to get out of this money situation with America Web Loan. This company has taken $500 dollars extra from me. I feel violated and robbed. I am a single mom taking care of five people off of one income. My situation for the moment is trying and to have the stress of this company taking and misleading me was devestating for me. It put tramendous stress on me and my family; this has put me back in a finanically difficult situation. I felt like a gerbal spinning my wheels with this company. I felt like I would never get away from oweing them money. All I did was cry all day and stay in prayer and faith that something will be done to stop this company or shut them down. I pray that no one else get cought up in this misleading company and the ways that they are. I dont understand how a company can charge so much interest and preciple fees to a consumer that is looking for a little help but then make it impossible for them to get out of oweing them money. This is clearly robbery pont blank period. I pray that this company get shut down and get penalized for the misleading and grief that they put on people such as myself that is in a finanical bind and have already payed them what I owed them. This is a devestating experience for me and my family. I am back at square one trying to figure out my fiance's now and working over time to get back the extra $500 dollars this company have taken from me.

Desired Settlement: I want back my extra $500 dollars I was forced to pay this company because if not they would have keep taking 120 dollars out from my checking account totalling 1,900. the customer service rep said I had no other option. Then I spoke with the manager she said the same thing either I pay extra $500 dollars or the will take out 120 dollars from my checking account for 16 weeks total of $1,900 dollars. I borrowed $400 dollars from this company the agreement was I pay back $560 well they continued to take out over the amount I payed them. This company has taken from me a total of $600 dollars. This company has put tramendous stress on me and my family and have put me back in a finanical bind. They should pay me extra for the pain and suffering that they have caused me and my family.

Business Response: Initial Business Response /* (1000, 5, 2015/03/23) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ****, however, we have not heard back from Ms **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Final Business Response /* (4000, 8, 2015/03/24) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** ****. As of 03/24/2015 the concern has been resolved.

3/24/2015 Delivery Issues
3/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I got a 500.00 dollar loan back in dec 2014 and I didnt get any paper work telling me anything about the loan and they keep taking 150.00 dollars out I want them to quit taking the money out of my account they already got 900.00 dollars out of me and I think they are a scam if this does not get resolved I will stop payment at my back they just need to take the money I payed them and pay the loan off and close the loan out

Desired Settlement: Just take the money I payed them and close the loan

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ********, we can amend the response. Final Business Response /* (4000, 8, 2015/03/19) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ****** ********. As of 03/19/2015 the concern has been resolved.

3/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was promised a promotion code special of $40 which was not honored. I am a New Customer to this Company as of 02/23/15 and I would not refer anyone nor would I ever use this Company again based on the horrible service and none commitment from the Representative that I spoke with *****. She was suppose to input a promotional code on my account and it was suppose to be honored, however I did not show the $40 as promised in my account. I had tried to access the promotional code within the allotted timeframe but was unsuccessful. I called back and spoke with ***, Rep on 03/03/15 at approximately 7:00pm, however I recall ***** stating that she would input in the code because when she called me regarding the application for the loan I was driving. While talking to ***, he was unable to assist me and all he kept saying was he was sorry which did nothing to resolve my issue. I asked him to escalate this issue to a Supervisor and he transferred me to *********. I discussed my situation to her and she supposedly was going to listen to the call between ***** and I and get back in touch with me within 24-48 hours. She called me back only to happily inform me that she would not accommodate my request to honor the promotional code and issue the cash bonus. I did see the promotional bonus code but when I went back to write the information down I could no longer see nor retrieve the code . When I spoke with ***** it was communicated that she would input the code for me as she had assessed it, however per ********* I'm a liar basically because all I got from her was that she was not going to honor your promotional code which as far as I'm concerned is FALSE ADVERTISING! I feel as though ********* went out of her way to be difficult with me and exercising her authority to not bend. The mistake is not on my part but a mistake by your employees. I find it very unprofessional to give me, a new customer with potential referrals and reoccurring business to flat out deny my request to honor your promotional ad. Your Supervisor, ********* flat out refused to answer my question if your Company was a member of BBB she told me to look it up very unprofessional and rude. I trust that you will go back and review the call as mentioned by her all calls are recorded. I even stated my extreme dissatisfaction with your company and her attitude was basically one of no concern as if this wasn't ever going anywhere and no actions would be taken to resolve this issue. I find it very disturbing that your Company would want to lose a new customer over not honoring a simple request such as honoring your own promotional ad. I seems very petty to not want to satisfy your customer when the big picture is being over looked. I was solicited with several e-mails after I had initiated the application on line but had not finished it because I felt leery knowing nothing about your company which I had never heard of and nobody else that I've talked to has heard of your Company either, however I will be circling back and informing all of my family and friends of the bad experience that I've encountered and I will definitely advise them against taking out any loans with your Company. Once I filled out the application on line, I was swamped with e-mails soliciting me to finish it which I now regret. Once our business has officially concluded with me paying off this loan, I will never ever seek assistance from your business again unless this matter can be resolved favorable, if not I guess my business is not as valuable as your Company claims and I hope it is worth it to you to have lost a customer who could have sent additional business your way and/or became a reoccurring customer. I find it a very unprofessional way to handle business and your unwillingness to accommodate a simple request. I'm sure $40 as listed as a promotional bonus is not going to bankrupt your Company, otherwise why offer it other than to entice and bait a customer in. It is a very unethical and deceitful way to conduct business to say the least.

Desired Settlement: I am seeking for this Company to honor their own promotional ad and do right by the customer which is me by submitting the $40 cash bonus into my checking account as was originally stated. Promotional ads should not be utilized as a way to entice and/or bait customers in only to deny honoring the very tool that was used to entice them in the first place. Employees should be held accountable and uphold ethical practices if there is any in place. The customer should not be interrogated nor made to feel like she is lying.

Business Response: Initial Business Response /* (1000, 5, 2015/03/10) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Final Business Response /* (4000, 8, 2015/03/11) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* *****. As of 03/11/2015 the concern has been resolved.

3/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This was misrepresented as a payday loan where in fact the payday payments are only toward service charges On 12/11/2014 I received a loan for $1300. The Loan ID is ****** and I spoke with ******* *****. This was represented as a pay day loan as I was directed here from moneymutual.com. I was told my payments would be $390 per pay day. I was not told that none of this went towards the principal of the loan. At this point I have paid over $2000 dollars and my balance is still $1300.

Desired Settlement: I have already paid over $2000 for a loan of $1300. I am willing to make one more payment for $390 at which point they will have made 100% profit on the loan in 3 months

Business Response: Initial Business Response /* (1000, 5, 2015/03/09) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

3/19/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: USURY On 10-29-2014 I received a payday loan for $700. $193.20 was the finance charge fee for 14 days. They have continued to withdraw $193.20 from my checking account totaling $1,738.80 and informed me that I still owe them $700 plus another $193.20.

Desired Settlement: $772.80 refund and I will never ever do a payday loan in life again!

Business Response: Initial Business Response /* (1000, 5, 2015/03/17) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* *******. As of 03/17/2015 the concern has been resolved.

3/18/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Received a pay day loan from American web loan. Misrepresentation of contract payments and payment schedule. Received a payday loan end of December we were told that on 1/2/2015 $180.00 would be taken from my account. Sales rep stated that the payments were $180.00 every 2 weeks and that if we wanted to pay more we could. After 4 payments I checked to see how much i had paid off when I went to the site it said I still owed $600, so I called the company and questioned why nothing had been taken off. She said that the $180 was just extending my loan for 2 weeks and that the only way it would be paid down is if I paid more on top of the $180. After 5 payments and $900 later we went to the bank to have the payments stopped. Our banker told us that this company is listed as a fraudulent company, so I checked out other reports and they all had the same thing happen to them. My bank can not get any money returned to me which I understand, but I don't feel I or any other person should have to continue paying into this company. I was also told that if I wanted to pay off the loan I owed $780, well I have paid that and then some. If I were to receive any type of refund it would be the $120 that I have over paid this company. I was also told by my banker that even though I put a stop on the account they could come in under a different name and take my money.

Desired Settlement: If any refund could be given it would be the $120 that I have paid over the amount. Not expecting one, but again this is what I would want back.

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ We are in receipt of complaint #********. We attempted to contact Ms. ********** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Final Business Response /* (4000, 8, 2015/03/16) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********** *****. As of 03/13/2015 the concern has been resolved.

3/18/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan with this company on Sept 29th 2014. The loan # is ******. the amount was for 500.00 with 150.00 fees. Or that is what I understood it to be, and that my mayments would be 150.00 until the 650.00 was paid. the endo ffe.2015, there was fraudulent activity on my bank account which my bank has frozen my account for that reason. No fault to this company, but it caused the automatic payment from my account bnot to go through. this was on Feb 27, 2015, my last payday. I did not find this out intil later in the day. So i had many things that were scheduled to go through my bank account for that day. After dealing with my bank which took a few hours, i tried contacting as many companies as I could, starting with the most important, which was not this company. I work 12 hour graveyard shifts 65 miles away. So yes I drive 130 miles to work everyday, so when I work, that is all I do. I work three days one week and 4 days the next. I just finished my 4 day week, which started on Saturday Feb.28, 2015. I did not get off work and home for the week until 100:00am Wed. March 4rh 2015. At which time I went right to bed. I slept for 15 hours. I now see that this company has contacted me via e-mail, and are telling me that my loan is overdue, and that 500.00 is due on 3/13/2015.I have been paying this company 150.00 every pay check Since 10/10/2014. That is 300.00 a month since October. I went into their site to see a copy of my loan. There is no place wehre I can do that. I was not given a copy of the loan agreement by this company. I have paid $1350.00 to this company so far without any problems. And now they are threatening to send it to a collection agency. As far as I'm concerned this loan has been paid in full. The original 500.00 plus $850.00 over that amount. Payments were Automactic out of my checking account every two weeks( every other firday since 10/10/2014.) Order_Number: loan # ******

Desired Settlement: DesiredSettlementID: Other (requires explanation) I think this loan is more than paid in full. There is no place for me to view my original loan documents for this loan, which makes me skeptical of the legality of this company. I believe that this loan was not clearly explained to me,a nd I was mislead as to the repayment of this loan. My desired settlement for this is the loan is now paid in full. And that is why i am making a complaint to the Better Business Bureau.

Business Response: Initial Business Response /* (1000, 5, 2015/03/09) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/03/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have done research on American Web Loan. They are not LICENCED in the state of Oregon. I will no longer pay any money amount to American Web Loan. I went to their website, and discovered that there now is no record of my loan, no loan number or anything. As long as this company no longer calls me on the phone, or tries to collect any money that they think is owing, I will not look into recovering any of the money that has been paid to American Web Loan. In otherwords I consider this matter resolved. If I get any more phone calls from American Web Loan it will be considered Harrassment, and I will then prosecute to the full extent of the law. I will attempt to e-mail american web loan as well. Final Business Response /* (4000, 9, 2015/03/16) */ We are in receipt of complaint #********. We will honor the request from Ms. ***** ****** and not try to reach out to her by phone. At any time, we are available to discuss any issue and/or complaint she has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

3/16/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan, but never received a written contract on the terms, asked for it 4 different times. I was not told interest would be 30%. I took out a loan 12/24/2014, but never received a written contract on the terms,conditions,or payment agreement. I have asked for it 4 different times. They send notices and everything else to me email except that, and I was told that they can not send me a payment history. The percentage that they are charging was 30% and I don't think that was what we discussed, but I have no contract that was made between us to discuss. They will not send me anything in writing concerning this loan. The payment information on line does not have payment information. I want to see my information and what the agreement was. They take out $150.00 a month and I have no idea if this is right or not!

Desired Settlement: I want a copy of the agreement that we agreed upon, in writing, where I agree to the terms. I want to see my payment history in writing. I want the terms and conditions of this agreement in writing and the information that was given to me by the representative on how they came up with paying $1350 on a $500.00 loan. I need this information! On company letter head, based on legal information.

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ We are in receipt of complaint #********. We attempted to contact Ms. **** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Final Business Response /* (4000, 9, 2015/03/02) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. **** ******. As of 03/02/2015 the concern has been resolved.

3/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: they took $180 out of every paycheck since October! For a 600 dollar loan that I could have just paid off I contacted the business,no response! I left a voicemail, no response!they have taken$2000 for a 600 dollar loan. This is the worst company ever and they are taking people for all of their money!there are over a hundred twenty unresolved customer complaints against the same company for the same reason!

Desired Settlement: I have no problem with paying interest for a loan! But that is just ridiculous, they need to make it more clear what they are going to do instead of taking it every two weeks like they did!my loan was paid off months ago!

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ******** ******* briefly and are awaiting the promised return call concerning why she has any issue and/or complaint with American Web Loan. We are happy to discuss any issue and/or concerns she has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

3/13/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company charges $150 every check and does not tell you that it does not touch the principle balance. They want over $3000 for a $500 loan borrowed. I was in a bind and needed money to help give my child a nice christmas. The company approved my $500 loan and told me each payment would be $150 from my check. I figured that was ok at the time because it wouldn't take long to pay it back. I then noticed that my payments were not lowering. I called the company and they finally disclosed to me that the $150 payment does not touch the principle balance of the $500. I would have to pay extra each time for the balance to lower. I was NOT aware of this upon finalizing the loan. If I had that money I would not have needed a loan in the first place. This is loan sharking! They are harassing me at my place of employment. After 2 payments of $150 they are expecting me to pay another $800 as a settlement. That equals out to double the amount of what I borrowed. This is outrageous.

Desired Settlement: I borrowed $500 and seeing where they were not clear on the terms and I already paid off $150 before canceling payments at the bank, I would like a settlement of $50 from each check to pay them until the $500 is paid off with no other interest included.

Business Response: Initial Business Response /* (1000, 5, 2015/02/27) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** *******. As of 02/27/2015 the concern has been resolved.

3/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Horrible.Took a loan out for $500. I've made 5 payments of $150 and the loan payment has not gone down.DO NOT use these people!!They are a scam!! I've been paying on my loan of $500 for over 3 months. I log in to check my balance so I can see how many more payments and they told me my payoff balance is $650!! How could that be when I've been paying $150 every 2 weeks.Found out the $150 only going towards my interest not the loan at all...They never told me that when setting up a payment plan we agreed $150 bi-weekly I assumed a portion of that was interest and portion going towards loan NONE OF MY PAYMENTS WENT TOWARDS MY LOAN.... I would never recommend this company nor would I ever use something like this again.They are scammers, and fraudulent..

Desired Settlement: Settle for the amount already paid to date.

Business Response: Initial Business Response /* (1000, 5, 2015/02/24) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* *********, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response.

3/6/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: overcharging intrest charging over 3,000 dollae intrest on a 800 loan

Desired Settlement: refund on overcharged payments

Business Response: Initial Business Response /* (1000, 5, 2015/02/16) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ****** ********-******, however, she refused to discuss the account concerning why she has any issue and/or complaint with American Web Loan. We have since sent her an email offering a resolution that we fell is fair to both the consumer and our business. If she is willing to discuss the account further, we can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Initial Consumer Rebuttal /* (3000, 7, 2015/02/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) They did not include a dollar amount in their response for a final payment Final Business Response /* (4000, 9, 2015/02/19) */ We are in receipt of complaint #********. We updated our email response to Ms. ****** ********-******. We also included the infromation requested by Ms. ********-******, we feel this resolution is fair to both the consumer and our business. If she is willing to discuss the account further, we can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

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

Complaint: Never agreed to an interest rate of over 700% on $1000.00... May have digital signature but I wouldnt be dumb enough to ever agree to this. Loan # ****** Loan Date: 10/08/2014 Problem: 1/23/2015 Payment amount: $270.00 bi-weekly Payment type: ACH, *** bank I have used American Web loan in the past and have never had any problems. For the most part I paid off my loans within 2 weeks. The last few times I have used them my payments have had a significant amount applied to the principal. Just like everyone else here I applied for a loan and it took me months to realize I was compleltey ripped off. Borrowed 1000.00 early October 2014. knew my payments were going to be 270.00 bi-weekly just like my previous loan which was satisfied within two months. Back to my current loan, i'm figuring a significant amount of this 270.00 was being applied to my principal these last few months. I log on in January and see my balance is still 1000.00. A complete rip off and based on my past encounters I can see that their practices changed without notice. I have called them multiple times and they give me the whole, "I'm not sure why it was that way in the past" or "you had different terms in the past" pretty generic answers. $1890.00 is what I had paid in January when I checked into my account. Up until this last month where I paid 300.00 rather than this B.S. Interest only payment that aint even in the contract. Anyway, as it stands today I have a nice 961.00 balance on my principal. It's beyond ridiculous.

Desired Settlement: I want this loan satisfied at once. 400% is already beyond nutts and I have pretty much already met that, you all requiring 750% is impossible... I used you guys for help and that's the last thinkg you all have done for me. I asked how my last loan was paid of so quicky and I was advised it was under a different kind of payment plan... What are these other plans? Im requesting we call this loan satisified. Have sent emails and have talked to numerous reps who have all told me different things. I'll go my way and you all can go yours. Never will I turn to you all for help again.

Business Response: Initial Business Response /* (1000, 5, 2015/02/19) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/02/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) Attempted to call back ****** two stright days. Extension advised she was training or in training. Received this email from them on 2/19: ------------------------------------------------------------------------------ From: customerservice@americanwebloan.com To: **********@*******.com Date: Thu, 19 Feb 2015 17:46:29 -0600 Subject: American Web Loan Dear Mr. ****** ****, Thank you for your recent correspondence from The Better Business Bureau. We have been trying to reach you regarding the issue and/or concern you have with American Web Loan. We have closed your account on 2/19/2015 and consider it settled in full. Your Loan ID is ******. Our Resolution Department is available for questions at 1-877-636-1353 Ext. 1313 from 8:00a.m. to 5:00p.m. CST Monday Through Friday. Thank you, ****** American Web loan Resolution Specialist Phone: 877-636-1353 Ext 1313 Fax: 855-275-9717 All lenders are not created equal *** Based on the response I received from American Web Loan and the one they submitted here I'm quite confused. Final Business Response /* (4000, 9, 2015/02/27) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ****** ****. As of 02/27/2015 the concern has been resolved.

3/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took a loan out and have made 3 payments of $390. I was told that these payments do not count against loan or principal. I was told all payment of $390 would not go towards loan or principal until I made the payment in full. I asked where the $390 payments were being applied, I was told they weren't. This is the fee to keep the loan open. I requested a copy of an agreement I signed and they could not provide it.

Desired Settlement: I would like the amount I have paid of $1170.00 to be paid towards my loan of $1000 and the loan fee for a total of $1300. I would like to pay my balance of $130 and not keep paying payments of $390 forever. This is a consumer trap.

Business Response: Initial Business Response /* (1000, 5, 2015/02/26) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ******. As of 02/26/2015 the concern has been resolved.

2/27/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Took out a loan and was mislead to the terms and conditions of the loan. I feel like I have fulfilled my obligation of the loan. I took a loan out for $600 and made 3 payments of $180 totaling $540.00. I called to check on the remaining balance and was told I still owed $620.00 for a loan that was originally for $600.00. Apparently all my money paid was going towards the interest only which was never explained to me. I made another payment of $300.00 which would bring the total paid to $840.00 on a $600.00 loan. I have since notified my bank to not allow this entity to take anymore money from my account. I am also in the process of alerting my Attorney's State General Office.

Desired Settlement: I would like the loan to be considered paid in full.

Business Response: Initial Business Response /* (1000, 5, 2015/02/12) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** ******. As of 02/12/2015 the concern has been resolved.

2/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have been scammed by this company. Took out a $1000 loan, have already paid $2700 and they state I still owe the original loan amount plus $300 fee. I took out a $1000 loan back in April. The loan agreement stated I would pay a $300 fee on top of that and was ok with it. Since that point, american web loan has taken $2700 from my account ($300 every TWO weeks.) I called thinking it was an error and she informed me the $600/month was interest only on the loan and I still owe the original $1300 on top of the $2700 pulled from my account. That would equate to $4000 on a $1000 loan. I stated that in no way was this communicated to me and it's a total scam.

Desired Settlement: I am happy to pay the initial $1300, but want reimbursement for the additional $1400 they pulled from my account.

Business Response: Initial Business Response /* (1000, 5, 2015/02/09) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** **** via the phone number on the complaint and received a recording each time that the Mailbox is full and can not accept a message. In addition, we sent emails after each phone call requesting a return call from Ms. ****. However, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response.

2/23/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: loan was for $800.Paid bi monthly for 5 months over 250 each. Couldnt make a payment tried to make arrangement was denied. collection threatening job. took a loan for 800. made bi monthly payments over 250 each payment for 5 months. was not able to make payment put a financial strain almost lost my home, could not make my credit card payments and credit is now ruined. tried to make an arrangement but was denied. could no longer afford to make payment.Now I am getting threatening calls that they are going to contact my employer and that they will be sending someone to my place of employment. Any documentation that they need to give me can be sent to my home and that has not happened yet. i have paid over 2500 on a 800 loan in 5 months. at a normal interest rate that would have been paid 3 times over in that short number of time. if they would have worked with me I probably would still be paying on a loan that seems like it would never get paid off. It was not made clear that the company would try to extort outlandish fees and charges. there is no way possible that it is legal to collect XXXX-XXXX on an $800 loan. then the threatening collection efforts do not make it any better. if you go to someone's job and calling their job, that is a good way to get them fired and if you are trying to collect a debt you can collect from someone that is not working. bottom line if you tell someone that they will be paying $4500 on a $800 they probably wont take it.

Desired Settlement: loan to be cleared and paid for. no additional funds to be received. already paid over $2500 towards an $800 loan. Even at an interest rate of 20%. the loan still would have been paid already.

Business Response: Initial Business Response /* (1000, 5, 2015/02/09) */ We are in receipt of complaint #********. The account is currently owned by a third party. We are in the process of retrieving the account so that we can attempt to reach a resolution with Ms. **** *****. Final Business Response /* (1000, 8, 2015/02/10) */ We are in receipt of complaint #********. We attempted to contact Ms. **** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

2/17/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan from this company and was mislead drastically in the requirements for paying back the loan. On October 26, 2014, I took a loan out from American Web Loan for $500.00 and ***** is the representative I spoke with. My loan number is ******. To date I have paid AWL $900.00. The payments started 11/21/14. They say I still owe $650.00 as a one time payment to be paid in full, or keep paying $150.00 every 2 weeks till June 2015, for at total of $2700.00 - on a $500 dollar loan!!!! I did not know that this was the loan agreement as I was told over the phone that this was an installment loan, and that I would be paying back the 500 and the 150 fee for a total of 650.00. I was never told the interest rate was going to be at least 700.00%!! I never would have accepted those terms. I told the agent when she told meabout the re-payment plan that I would agree to 150 every 2 weeks untill it was paid off. When after 6 payments came out of my bank account, I called and spoke to ******** who had told me that I had to pay the total payments or pay $650.00. She said she would not take a payment out on 2/13/15 so I can save up to pay off the loan. I already paid $900.00 and I can't afford anymore payments. If I had been explained to that I would be making only interest payments in the amount of 2700.00 I would have never gotten the loan!! I know they are not licensed in my State of Illinois either. This has put a financial strain on me. I have paid 900.00 to date. Not one penny of that has gone to the principal amount!!!This company is deceptive in its practices and I believe there is confusion as to the terms and agreement. They misrepresent themselves and what they tell you over the phone is different from what they claim is in the fine print.A fair resolution would be for them to accept the $750.00 out of the $900.00 that I have paid so far, and that is $100.00 over the amount of 650.00 I was told I would be paying back!! I would also like for them to cease and desist the withdrawals from my bank account, and I have contacted Bank of America regarding this situation. I have also contacted the Oklahoma Attorney General and the Illinois Attorney General. I am requesting your help in this dire situation. Please

Desired Settlement: I have paid $900.00 but would like $150.00 back which is $750 they can keep. The loan was for $500 with a fee of $150. Total $650.00. So they would get $100 over the agreed amount.

Business Response: Initial Business Response /* (1000, 5, 2015/02/13) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** ********. As of 02/13/2015 the concern has been resolved.

2/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: i was advised by the indiana dept of financial institution that this business is not licensed in the state of indiana. the contract is invalid. the fees that the business charges are not valid and this business is not licensed in the state of indiana. i was advised by the indiana dept of financial institution to advise this business not to contact me. i advised not to contact my place of employment on two seperate occasions when speaking with rep vanessa and still keep receiving calls which violates the FDCPA. this company is unethical and needs to be reviewed.

Desired Settlement: i would like the company to quit contacting me via email,via phone, via correspondence. this company is not licensed in my state of indiana therefore the contract is not valid. the fees that they impose on people are not ethical and please deminish any forms of commmunication

Business Response: Initial Business Response /* (1000, 5, 2015/02/03) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ***** via the phone number on the complaint and left a message. However, we are awaiting a return call due to Ms. ***** requesting no contact via Phone or Email in the complaint. We are available to discuss any issue and/or complaint Ms. ***** has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday

2/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Failure to disclose complete terms and charging more fees than expected On November 19, 2014 I got a loan from American Web Loan. When I spoke to them on the phone they indicated I would be paying a $120 fee on a $400 loan. I also got a confirmation email (see attached) that had this listed: "Your loan has been approved for $400.00. The finance fee is $120.00. The due date for your loan will begin on 12/5/2014 and will be due on a bi-weekly basis for 7 1/2 months or until your loan is paid in full, whichever comes first." They have since withdrawn $120 (per pay period) four times for a total of $480. I called to confirm my remaining balance and that they would only take out another $40 but was informed I owe $800 (instead of $520 as originally quoted). She said if i paid the $800 that day then I wouldn't owe any more than that but if I continued the payments of $120 month it would be $1800 I'd have to pay in total. NOTHING in the phone conversations or emails gave me ANY indication that I would pay more than the $120 fee (on top of $400 loan amount). I just did a google search and am seeing where others are reporting them as scam artists: ********************************************* There are a lot of others too.Even the BBB reports them at a D- due to a lot of complaint filings. Wish I had researched them beforehand.

Desired Settlement: I would like to only pay the remaining $40 and close out my account with AWL as paid in full, and in good standing.

Business Response: Initial Business Response /* (1000, 5, 2015/01/27) */ We are in receipt of complaint #********. We had an opportunity to speak with Mr. ***** ****** on 01/26/2015 and address the issue/concern he has with American Web Loan. We offered a resolution and Mr. ****** agreed to return our call in 2 hours. We attempted to reach Mr. ****** on 01/27/2015. We have not heard back from Mr. ******. If we are able to reach Mr. ****** we will complete the resolution process.

2/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I borrow $500 from the loan place. I ask them how do I paid it back. I had her on the phone for hours, so she can explain it to me right. I borrow $500. I had check the account it Said, I had to pay more money. I had paid $150 out my account every two weeks. I paid $900 to them. Now they said, my balance is $1,246.00 more that I had to pay them. I call in explain to them. How much I paid them. They told me I was just playing the interesting back and not the balance. I let them no that she didn't explain to me that I had to paid the full balance back. Customers serve told me that they was sorry. That they worker didn't explain it to me correctly but I have to paid them the money to them.I let them no that wasn't fare that they didn't that to me. American web loan phone number 1-866-523-8654 ID number is ******. I got it in September 2014

Desired Settlement: Not to give them more money that I don't have. They told me that I would've to paid them $650.00 for borrowing the $500 dollars loan. They was only was charging me a $150 for borrowing the $500 so altogether it was $650.00 that I had to paid back. Now I had paid them $900.00 and now they want 1,246.00 more from a $500 loan. Can you please help me.

Business Response: Initial Business Response /* (1000, 5, 2015/01/21) */ We are in receipt of complaint #********. We attempted to contact ****** ****, however, we have not heard back from ****** **** concerning why they have any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach ****** ****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/01/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) First and foremost the customer service rep. Explain it to me as if I was only paying 650 dollars all together . Not that if I didn't pay it back all at once I would be charged every two weeks a fee until it's paid off. If this was the case I would have not got the loan. If these places simply explain that you get this much you pay this much or if paid in full it would be this amount this world would be a whole lot better. I don't understand why these places make things hard I now they have to make money but I think that's just a scam . Final Business Response /* (4000, 9, 2015/01/27) */ We are in receipt of complaint #********. We attempted again to contact ****** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response.

2/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: When applying via the telephone for this loan the way the payment details to pay off the loan were completely different from what the company offers. On November 29, 2014 I spoke with ******** ****** via the telephone concerning a loan of $700. As ******** and I discussed the details of the loan she assured me that I was approved and that I would very easily be able to pay off the loan amount in very easy pay installments bi-weekly. We set up auto payments to come out of my account bi-weekly. after about 3 payments I went online to see the remaining balance only to see that the money paid didn't go towards the loan at all and that it was only being paid on the interest of the loan. Immediately I called them to see what was going on. I then asked for them to replay the phone agreement between ********* and I but I was dismissed and told that I could only leave a message with their boss ****** ********. After repeated attempts to contact her and only getting the voice mail I decided to stop payment on the remainder of the loan.

Desired Settlement: As I explained to them, if I was properly instructed on the high way robbery charges of this loan then I would have never have accepted it. What I want to happen is to the loan to be considered paid in full and applied to the principle balance as I was lead to believe that's what would be occurring anyway.

Business Response: Initial Business Response /* (1000, 5, 2015/01/23) */ We are in receipt of complaint #********. We attempted to contact Ms. ********** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Final Business Response /* (1000, 8, 2015/01/28) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ********** ****. We offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. **** did not accept our good faith offer or provide a counter offer. Let me know if you have any further questions.

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

Complaint: This company has had the loan paid back and is continuing to debit my bank account In early November 2014 I took a loan for 600 dollars. I was told my bank account would be debited 180 dollars every 2 weeks for a total of 4 payment equaling 720 dollars. Now they are changing the story and telling me that the 720 I have already paid is interest only and I am still responsible for 2 more payments PLUS the original 600 dollars. This company does not explain things properly, they take advantage of people having a hard time financially and they change their story. I am sickened by this company and I hope they are put out of business.

Desired Settlement: I have stopped payment on this account, and I have paid back the loan plus interest. They are threatening collection proceedings. All I want is for them to acknowledge that the debt is settled.

Business Response: Initial Business Response /* (1000, 5, 2015/01/21) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********* *******. As of 01/21/2015 the concern has been resolved.

1/28/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I have been scammed, they people are loan sharks. I took a loan from this business with the understanding that I would be paying the loan back with interest. I was lent 900 and have so far paid back 2,430 dollars and they say I haven't paid back one cent! If that isn't loan sharking I don't know what is. This should be illegal.

Desired Settlement: I have more than paid them back by double! They should stop taking money from me as I have paid back the loan twice already.

Business Response: Initial Business Response /* (1000, 5, 2015/01/27) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 9, 2015/01/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have called them back repeatedly. They leave a message to call back along with an extension, however there is no way to enter an extension when you call, I have left them a voicemail message explaining this. More smoke and mirrors. They claim I won't respond when they make it impossible to do so! They will only transfer you to voicemail and then claim I am not responding. Final Consumer Response /* (3000, 12, 2015/01/28) */ I never was able to call them back, just directed to voice-mail, they did reach out to me via email though. We were able to reach a resolution that I am satisfied with. I appreciate their attempts to resolve the issue and would like this complaint closed. Final Business Response /* (4000, 13, 2015/01/28) */ We are in receipt of complaint #********. We attempted again to contact Mr. ******* *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. If we are able to reach Mr. *****, we can amend the response.

1/27/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Calling place of employment after written request to stop. Took out an $800 loan, with payments of $240 to be deducted from bank account bi-weekly. Loan ID ******. After paying several payments, one of the payments was missed and the collection calls began. MULTIPLE calls to multiple telephone numbers (including my place of employment).

Desired Settlement: Stop calling place of employment. Discuss settlement options.

Business Response: Initial Business Response /* (1000, 8, 2015/01/15) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response.

1/27/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Have paid $2400 on a $1K loan taken out on 9-8-14. Continue to take $300 every two weeks out of our account. Web loan for $1K was taken out on 9-8-14. We were told that there was a $300 charge and then $300 would be taken out of our account every two weeks until loan was paid off. $300 was taken out of our account on 9-24-14 and every two weeks thereafter until the present. I spoke with two representatives regarding this and both explained to me that we still owed over a $1K. They state that the $300 that is taken out every two weeks is "charges" and that to pay off the loan we would need to pay above and beyond the $300 every two weeks. We have paid $2400 in the last 3 months on a $1000 loan. How they think that we still have over a $1000 balance?

Desired Settlement: This balance of this loan should have been paid off on December 3, 2014. They have taken another $600 from our account since then.

Business Response: Initial Business Response /* (1000, 5, 2015/01/09) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Have returned phone calls and have not received a return call. Final Business Response /* (4000, 9, 2015/01/15) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ******* again via the Home and Cell Numbers we have on file and was only able to leave a message on the Cell Number. We are available to discuss any issue and/or complaint Mr. ******* has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

1/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: OVERPAYING ON A LOAN INTEREST CHARGES WAS WHY TOO MUCH...MIS-REPRESENTATION I received a loan from AWL Sept. 2014 for $500 we set up payments for $120 weekly to go towards loan and interest. I called today 1-7-15 to get a balance so I can pay loan off and they told me my balance was $520 or I have 12 more payments of $120 weekly. I asked how could that be the guy told me today that all the payments I've been making have only been going towards Finance charges nothing being paid for loan. I was very very upset to find out a loan i've been paying for 4 mos no payments went towards it. I feel they were not honest at all. I understand taking these loans out on loan and finance charges are high but to have been paying and to find out nothing went towards the principal loan was very upsetting.

Desired Settlement: I would like for them to settle my payments with payments already made and put towards my loan.

Business Response: Initial Business Response /* (1000, 5, 2015/01/12) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

1/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Failure to insure clarity of policies and procedures and financial restitution. For emergency funds I applied for a pay day loan with AWL in the amount of $600 on September 22, 2014. After being approved to complete the loan application process a representative phoned me to gather final information for application completion and same day funds transfer to my bank account. AWL withdrew $180 each pay cycle over a sequence of 7 bi-weekly pay days resulting in a total of $1020. January 2, 2015 Thinking that the loan should have been paid off I called AWL to inquired about the matter of the amount of funds that were taken from my account. I talked to customer service and i was told that the accumulation of the $1020 could be applied to my loan but I would have to authorize the transaction by communicating with AWL and I could get my replacement funds that exceeded the loan amount but this had to be expedited by a supervisor, I requested and was transferred to a supervisor that then explained that the funds taken did not go toward the principle of the loan it went towards the loan fee and that every 30 dollars went toward every $100 of the loan amount equaling $180 as the loan fee and that the $180 were to be taken over a total sequence of 13 cycles but the collection of money would never apply to the initial payment of the loan and that when the $180 was withdrawn from my account I was obligated to then pay toward the $600 loan which was called "flexible payment" and this particular policy was understood prior to the $600 funds transfer. On September 22, 2014 the representative never explained this policy & procedure to me, otherwise I would have gotten my emergency funds else where, if I had funds like that I would have not needed the loan. I asked for my money replacement but was insensitively informed I would never get my funds replaced that exceeded the $600 loan. The dynamics of this loan payment, fees, policies and procedures did not make honorable business sense to me. I also asked the supervisor why didn't I receive phone calls of collection in regards to my loan payment delinquency and I was told that notifications of payment is not the obligation of AWL it is the responsibility of the customer. The conversation became unsavory. After continuous questions on my end of why the fees are what they are she abrasively said that due to the high risk of no background and credit checks it allows them to do so whether the customer understood or not. I reported the incident to my financial institution to prevent future withdrawals.

Desired Settlement: Financial refund compensation and contribution to the demise of this loan company fore I was being robbed without the gun!

Business Response: Initial Business Response /* (1000, 6, 2015/01/12) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 10, 2015/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the response fore it is false. AWL was calling during work hours where I was unavailable however On the evening of January 12th I called 4:40 pm and left a voice mail message and was called back 6 o'clock pm the Matter was settled with AWL. I talked with a representative and my case was closed and satisfied with an email confirmation (attached) Final Business Response /* (4000, 11, 2015/01/13) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** *****. As of 01/12/2015 the concern has been resolved.

1/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Terms of the loan were not explained. When I obtained the $400 loan it was not explained to me that the $120 per paycheck payments were merely interest only payments. I was led to believe that I would make four payments of $120 and I would be paid off like a normal payday loan. When they took a 5th payment, I called and then it was explained that they $120 payments were only minimum payments till the $400 was paid back in a lump sum. I told the representative this was not explained to me before I took out the loan otherwise I would never had agreed to these terms. She only said don't know what to say. I have since put a stop payment with my bank and I fully expect to file a complaint about their collection practices next.

Desired Settlement: I have paid them back $600 on a $400 loan. They need to go away now.

Business Response: Initial Business Response /* (1000, 5, 2014/12/19) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. ****** ***** and attempted to address his issue and/or complaint with American Web Loan. Mr. ***** advised us he is not available today but will be available to discuss the matter on Tuesday, 12/23/2014. We are available to discuss any issue with Mr. ***** and, as requested, we will resume the conversation on 12/23/2014. Please let us know if you have any further questions. Initial Consumer Rebuttal /* (4200, 10, 2014/12/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have called them back and left a voice mail with detailed information of my issue with them. They have made no attempt to contact me. I also requested in that voicemail that they email me a copy of my contract and terms and still have not received. Final Consumer Response /* (4200, 18, 2015/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I spoke with ****** in recovery. I expressed my concerns and disappointment with her company. She advised that to resolve my situation, she would close my file and consider my loan "satisfied", and she would send email to confirm. I agreed. When I got email, it stated account was " settled" which will mean charge off and a harsh mark on my credit. Again American Web Loan misstating terms and not informing consumers. Final Business Response /* (4000, 20, 2015/01/12) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. ****** *****. As discussed, we offered, agreed upon and honored a resolution we felt was both fair to our consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Mr. ***** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions.

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

Complaint: Website not showing what was paid back. Said that the $300 which has been applied to principal, this is BS. I have paid back $300 the website shows nothing what i have paid back, when I called to ask they said the the is the principal. I only borrowed $500, basically I was told that I could pay back $150 16 times before the load would be paid back, that the only way to pay it is all at one time, so how is that a loan??? Please help I feel this company is taking advantage of me!!!

Desired Settlement: I want what was withdrawn from my account $300 to be paid toward my loan of $500.

Business Response: Initial Business Response /* (1000, 5, 2015/01/09) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/01/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have nothing to say to AWL unless they are going to refund some of my money! Loan amount $500, 2 withdrawls from my Checking account of $150.00, I went to pay this off and they added another $150 to the $500 = $650, so to date I have paid $300.00 + $650.00 back for a total of $950. You are going to tell me that all of the extra is principal. I personally call it a rip off and I will let as many people as I can know about this!!! Final Business Response /* (1000, 12, 2015/01/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** *******. As of 01/13/2015 the concern has been resolved.

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

Complaint: Illegal loan, improper collection, overpayment of loan On August 2, 2014, I applied for an installment loan with another company, and was automatically directed to American Web Loan. It stated I was approved for $600, however, no loan documents were ever given to me. Between the dates of 8/22/2014 and 10/31/2014, I have repaid a total of $900.00 from my ******* Checking Account. I received a call from company representative **** ****** on 12/22/2014. I returned her call that same day. She stated that I owed over $1000 plus on this loan. She stated that if I did not pay that amount on that day, I would be referred to "outside collections" and would owe over $1800. I advised her I would not be paying that, and she could refer me. She stated no further calls would be coming from their company. Since then, I have had daily emails and phone calls to my work number and home. After speaking with the Kentucky Department of Financial Institutions (DFI), American Web Loan does not have license to lend in the state of Kentucky. According to the attorney general's office, lenders must be licensed in KY to lend to residents. I sent an email to this company on 01/07/2015 stating I will not pursue complaints to the Attorney general as long as we can make an amicable resolution to this loan. I asked for no phone calls to my work, family, contacts, or myself. I have already overpaid on the amount loaned to me, as can be verified by my banking records. Internet loans, as I was informed by the Kentucky Attorney General office, are also illegal in Kentucky. You can refer to Kentucky law here: http://migration.kentucky.gov/newsroom/eppc_ofi/collection100710.htm I am not asking for refund of the amount I overpaid, I am asking that this matter be settled and closed as paid in full. I have discussed this matter with my bank, their legal department, and an attorney. If the company is willing to do this, and submit this in writing to me, I will not pursue further action.

Desired Settlement: Loan to be closed, marked paid in full, no further contact from the business via phone. Contact via email only.

Business Response: Initial Business Response /* (1000, 5, 2015/01/14) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/01/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Per my complaint, I had requested a response in writing ONLY. I received a voicemail from ****** with American Web Loan on 1/13/15. I called back twice (and I have cell phone record to prove) and the office was closed. My work schedule does not allow me to take time to discuss personal matters over the phone. I have already tried to reach a resolution with this company via phone (on 12/22/14 with rep **** ****** who was very harassing and insulting to me) and via emails I sent them prior to filing with BBB (they gave no response at all). A review of BBB shows this company has numerous (over 200) complaints of the same nature. Because you make a phone call (after I requested a response in WRITING only) does not mean that "there is no issue" to resolve. I stated what my issue was to the company, and now to the BBB. I have already overpaid on this loan, they received back the amount borrowed plus an additional $300. I have bank records to prove. The FTC just won a huge case against another loan company similar to American Web Loan due to the violation of the Truth in Lending Act, among other violations. http://www.ftc.gov/news-events/press-releases/2015/01/online-payday-lending-companies-pay-21-million-settle-federal Please respond to my complaint in WRITING only via the BBB process. Due to my past experience with this company, I do not wish to speak to them directly. I appreciate the BBB assistance with this matter, and I hope to reach resolution with American Web Loan by them marking my account paid with no further collection activity. Thank you. ******* ******* Final Business Response /* (4000, 9, 2015/01/21) */ We are in receipt of complaint #********. As requested we contacted Ms. ******* ******* by Email. We are available to discuss any issue and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

1/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Sir; I was under duress at the time of the review of the documents of this product they were selling to me. I am having mental health issues. Sir: My major complaint is that they misrepresented their product they were trying to sell to me. The loan agreement has some 14 pages but online, they only showed a couple of pages. At the time, I was experiencing anxiety issues. I Had money taken out of my checking account at the wrong time. They have left me penniless. I am confused and cannot afford to pay back at those usury interest rates. I need money to pay my regular living expenses. I called but they told me that is the way it is. My wife can't work now so it is a hardship. Can you help me? Sincerely, **************

Desired Settlement: If I can reduce the payments by half and/or pay a lump sum back say 500 dollars by April.

Business Response: Initial Business Response /* (1000, 5, 2015/01/09) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ********, we can amend the response.

1/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company failed to debit loan and interest amount on agreed date. Instead choose to continuously debit account for far more greater amount of money. Original request to debit account in two weeks made on date of transaction. Full loan and interest totaling $520 was to be debited from account on 10/13/14. Instead of debited the agreed amount a lesser amount of $120 has been debited from this date to present. I've called to get this cancelled but was told that on top of the $120 bi-weekly debit I still need to pay $520. They have collected more than $600 already and continue to do so. Need these automatic debits to cease now due to overpayment and error on AWL part for not deducting full amount on 10/13/14.

Desired Settlement: I would like automated debits to cease. Payment made in full and overpayment which I'm not requesting refund.

Business Response: Initial Business Response /* (1000, 5, 2015/01/22) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* *******. As of 01/22/2015 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2015/01/23) */ Thank you for acting as mediator in this case. I'm happy to report that the account resolution team contacted me and have closed my account. Although I'm at a lost I have agreed to these terms as it will close out my account with them in full. My Loan ID is ****** is now settled via telephone and confirmed via email.

1/22/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Decided I did not want to go through with loan so both called and emailed customer service to cease communications I originally went online and did an application for a short term loan, but after investigating this company further I decided I did not want the loan. I first sent an email to customer service informing them I do not want the loan and to stop calling and emailing me. This continued though. I then, this morning, called the customer service number and got a recording; I left a message per the instructions. I again stated do not contact me in either way; I do not want the loan. Does no one there listen to messages!! They are still calling and emailing me. This is harrassment after they have been told to stop. I want your help to get AWL to stop bothering me.

Desired Settlement: Stop calling and emailing me; remove my information from your records and dispose of it.

Business Response: Initial Business Response /* (1000, 5, 2015/01/21) */ We are in receipt of complaint #********. We have sent a Decline Letter to Ms. ***** *****. We are available to discuss any other issue and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Let me know if you have further questions. Initial Consumer Rebuttal /* (3000, 7, 2015/01/22) */ I do not know if you have received any response from AWL, but I received an email below from their Resolution Department. They now seem to understand that I do not want the loan and I have not received any communications today. Dear Ms. ***** *****, We have received your Better Business Bureau Complaint and have declined your application with American Web Loan. Our Resolution Department is available at 1-877-636-1353 Ext. 1313 from 8:00a.m. to 5:00p.m. CST Monday through Friday. Thank you, ****** American Web loan Resolution Specialist Phone: 877-636-1353 Ext 1313 Fax: 855-275-9717

1/20/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Fraudulent/Deceptive Loan Practices. On September 29, 2014, I took a loan out from American Web Loan for $600.00. My loan number is ******. To date I have paid AWL $900.00 and they say I still owe $780.00 as a one time payment to be paid in full, or keep paying $180.00 every 2 weeks for 15 payments and the last payment to be for $240.00, for at total of $2940.00 - on a $600 dollar loan!!!! I did not know that this was the loan agreement as I was told over the phone that this was an installment loan, and that I would be paying back the 600 and the 180 fee for a total of 780.00. I was never told the interest rate was going to be 718.27%!! I never would have accepted those terms. When after 5 payments came out of my bank account, I had to request a copy of my loan agreement, which I received via e-mail on 1-8-2015, as I have never received a copy of the contract that I electronically signed. And you can't get a copy by going to your account. And you don't get a detailed payment summary online either. I have taken pictures of my account on line for proof. If I had been explained to that I would be making only interest payments in the amount of 2940.00 I would have never gotten the loan!! I know they are not licensed in my State of Illinois either. This has put a financial strain on me. I have paid 900.00 to date. Not one penny of that has gone to the principal amount!!!This company is deceptive in its practices and I believe there is confusion as to the terms and agreement. They misrepresent themselves and what they tell you over the phone is different from what they claim is in the fine print. A fair resolution would be for them to accept the $900 that I have paid so far, and that is $120.00 over the amount of 780.00 I was told I would be paying back!! I would also like for them to cease and desist the withdrawals from my bank account, and I have contacted Bank ********** regarding this situation. I have also contacted the Oklahoma Attorney General and and the Illinois Attorney General. i am requesting your help in this dire situation.

Desired Settlement: I want American Web Loan to accept the $900.00 they have taken from me already to be payment in full, and I am asking that AWL cease and desists from debiting my bank account.

Business Response: Initial Business Response /* (1000, 5, 2015/01/14) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2015/01/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I sent them a cease and desist from debiting my bank account by fax, that was successfully submitted. I will contact them by phone today and will update the BBB. They will not take 1 more penny from me. They did not disclose the Interest Rate of 718% when Electronic documents were signed or when we were on the phone and lied about the payback of the installment loan. They only said there was a interest charge of $180.00 on top of the 600. Trying to charge me $3000.00 for a 600.00 loan is sheer thievery. Final Business Response /* (4000, 9, 2015/01/16) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ********. As of 01/16/2015 the concern has been resolved.

1/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I was under the impression I was taking a pay day loan to cover some unexpected bills. I was under the impression that the $180 this company has been taking out of my account would be going towards paying down the loan. When I called customer service today I was told that this was a flexible payment loan and not a payday loan which I thought I had taken. The payments that have been taken from my account only pay interest. I took a loan for $600. They have taken $720 from me and this is all interest. I don't understand how this can be and I feel like I am being scammed by a "loan shark" The terms for this loan was not clear that the money they are taking from my checking account every two weeks would be interest only payments. I would have never accepted this type of loan. I think this company needs to make sure that consumers understand how their system works because this has left me in a worse situation then when I took their loan. If I had not contacted the company how long would they have taken money from my account. Product_Or_Service: Pay Day Loan Order_Number: unknown Account_Number: unknown

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like this company to be fair. There needs to be a cap on how much interest can be charged for a single loan. I think this company falls under the terms of "Loan Sharks". I would like if they can apply a portion of the money they have already taken to the principal of the loan. Again the loan I took was for $600. I have paid $720 in interest over a period of 2 months. How can I ever pay this loan back if they are not applying any of the payments they are taking to the principal.

Business Response: Initial Business Response /* (1000, 5, 2015/01/14) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. ***** ***** ******* and he needed to return our call. However, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 10, 2015/01/14) */ I had the pleasure of speaking with Ms. ****** ******** with American Web Loans. She was very pleasant and was able to help resolve the issue I had with their organization. I want to thank ****** and American Web Loan for remaining professional and adressing my complaint in a very efficient and timely manner. Complaint has been resolved. Thank you, ******** ******* Final Business Response /* (1000, 7, 2015/01/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** ***** *******. As of 01/14/2015 the concern has been resolved.

1/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Unfair loan practice Repaying loan the payment I was only paying interest. When they explained. They talk so fast you can't understand.

Desired Settlement: The money paid covered the loan

Business Response: Initial Business Response /* (1000, 5, 2014/12/31) */ We are in receipt of complaint #********. We attempted to contact Mr. *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******* we can amend the response. Thank you Resolution Specialist.

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

Complaint: I asked on three separate occasions to not contact me via telephone. They continue to harass me both on my personal phone and my work phone. I have asked on three separate occasions for American Web Loan to not contact me via telephone. They ignore these requests and continue to harass me via telephone on my personal phone as well as my work phone, which causes stress and embarrassment at work. I have emailed, faxed and emailed again and they choose to ignore my request.

Desired Settlement: American Web Loan to stop the telephone harassment as requested three times and compensation for the time and embarrassment they have caused by choosing to ignore my requests.

Business Response: Initial Business Response /* (1000, 5, 2014/12/24) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** **********. As of 12/24/2014 the concern has been resolved. Thank You Resolution Specialist

1/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This "business" keeps harassing me by sending me constant emails and calling my employer when I have asked them to stop and I have declined their service. I have not asked them for a loan and I am not required to contact them to cancel it since I never asked them for it in the first place. They keep sending me emails saying I have to call them to cancel. I am unable to do that as I only have a work phone that is working and I should not be "required" to call them when I never asked for their business to begin with. They are harassing my employer trying to contact me and I've asked them numerous times to stop with their correspondence and strong arm tactics. I do not owe them anything and they refuse to follow my wishes.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I just want them to stop harassing me and my employer and to stop trying to contact me.

Business Response: Initial Business Response /* (1000, 5, 2014/12/19) */ We are in receipt of complaint #********. We have declined the American Web Loan Application from Mr. ***** ****** ********* and sent him a confirmation email. We are available to discuss any further issue and/or complaint he has with American Web Loan. We can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

1/5/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Overcharged on loan. Loan terms not disclosed. I received an loan from this company on 7/28/14 in the amount of $1400. On August 15th I paid the loan back in the amount of $1400. They claim that $420 of that was for interest. Since then they have withdrawn from my account

Desired Settlement: On 7/28/14 I received a loan in the amount of $1400. On 8/15/14 I paid the loan off in the amount of $1400. They claim that $420 of that was for interest. leaving me with a balance of $420. Since then they have withdrawn $126 from my account every two weeks, for 8 payments totaling $1008. None of that was applied to the $420 balance. I called the company and they said that the $1008 was interest on the loan and I still have 6 more payments of $126 due. This will mean that will end up paying $1764 in interest which was never disclosed to me. I have no copy of an agreement, nor did I authorize this loan in the first place. I would like to see this loan paid off in full.

Business Response: Initial Business Response /* (1000, 5, 2014/12/22) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *********, however, we have not heard back from Ms. ********* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *********, we can amend the response.

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

Complaint: American Web Loan misrepresented their contract agreement. What I agreed to repay via telephone on 9/24/14 is different from what was emailed 12/16/14 I took out a loan of $800 with American Web Loan on September 24th. I was told over the phone that I would have to make 4 payments of $240 every bi-week plus an additional $240 for the fees. I agreed to that and provided my back account information. However on 12/16/14 I noticed that American Web Loan has deducted a total of $1200 from my account. I contacted the company and was told that I had agreed to pay 15x 240 plus additional fees which makes my repayment total $3920. I denied this agreement and requested a loan agreement which they sent via email. Yesterday was the first time I had seen or received that contract. I would have never agreed to pay $3920 for an $800 loan. I saw that American Web loan is not an accredited business and I'm sure they have had several complaints. They should not be allowed to operate their business and defraud customers into paying these ridiculous interest. I believe there is confusion as to the terms and agreement. They misrepresent themselves and what they tell you over the phone is different from what they claim is in the fine print. A fair resolution would be for them to accept the $1200 that I have paid so far since that is what I agreed to. I would also like for them to discontinue the withdrawals from my bank account. I hope you can assist in this matter.

Desired Settlement: I am asking that American web Loan accept the amount of $1200 which I have re-paid so far and that the cease and desists from debiting my account.

Business Response: Initial Business Response /* (1000, 5, 2014/12/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** ******. As of 12/18/2014 the concern has been resolved.

12/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Paid loan in full in 4 payments, as per agreed, and they are still withdrawing money from my account. I got a loan for $800. Per our phone conversation 8/14/14 I was to pay back the loan in 4 payments of $240.00 every 2 weeks automatically to be withdrawn from my checking account. Well after 4 payments I thought I was done. I then found another $240 deducted from my checking account which was not authorized. I need this money refunded as I have already paid back the loan per the terms I agreed to on 8/14/14. I paid back $960.00 for my $800 loan. I am very upset and I was lied to. Now I have to change my banking information in order to have these payments stop.

Desired Settlement: I got a loan for $800. Per our phone conversation 8/14/14 I was to pay back the loan in 4 payments of $240.00. Well after 4 payments I thought I was done. I then found another $240 deducted from my checking account which was not authorized. I need this money refunded as I have already paid back the loan per the terms I agreed to on 8/14/14. I paid back $960.00 for my $800 loan. I am very upset and I was lied to. Now I have to change my banking information in order to have these payments stop. I am looking to have $240 reimbursed to me as this was the additional amount the company took without authorization

Business Response: Initial Business Response /* (1000, 5, 2014/12/16) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

12/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Improper collection of loan They deposit money without any paperwork, call multiple times a day, can't log into the website, call family members and are not licensed in my state. The interest rates are insanely high. Can't get them to send an email instead of calling. Harassment all around

Desired Settlement: To stop calling me and my family

Business Response: Initial Business Response /* (1000, 5, 2014/12/16) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* *****. As of 12/16/2014 the concern has been resolved.

12/26/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Cannot get a live person on the phone to get my account fixed. Have tried for 4 days and nothing! I have 2 payments remaining on my balance at AWL. These payments are scheduled to come out automatically. I have tried calling every day since Sunday, November 30, 2014 and left messages with no reply to help me. I was not able to make my rent payment due to another garnishment and wanted to get this payment that was scheduled for December 2nd cancelled and moved to December 30, 2014. Mr. *** is who I normally speak to and he will not even return a call. Please help! I may be homeless when this is all over with unless I get that $360 payment back ASAP!

Desired Settlement: I only want the $360 payment that was taken on December 2, 2014 to be returned and rescheduled to be taken on January 13, 2015. This would close my account and all money I owe will be repaid.

Business Response: Initial Business Response /* (1000, 5, 2014/12/12) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ********* via Phone and Email, however, we have not heard back from Ms. ********* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *********, we can amend the response.

12/23/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: American Web Loan calls and harasses me at my work number for debt collection. I've asked them to stop and they wont. I've received numerous calls at my work number after I told American Web Loan that they can not call me at work. Please help me stop this harassment. I don't know what else I can do.

Desired Settlement: The settlement I am seeking is for American Web Loan to follow the federal Fair Debt Collection Practices Act and to stop calling me at work.

Business Response: Initial Business Response /* (1000, 5, 2014/12/18) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/12/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) The only issue is that I don't want American Web Loan to call me on my work number. I'm currently playing phone tag with Sheila at American Web Loan. I left her a detailed message stating I do not want American Web Loan to contact me on my work number. I don't understand why AWL is stating they assume there is no issue to resolve. The issue is, "I do not want American Web Loan to call me on my work number". Your response should be, "Ok, American Web Loan will not call you at your work number". It's that simple. Final Business Response /* (4000, 10, 2014/12/22) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** ******. As of 12/19/2014 the concern has been resolved.

12/23/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: actually explaining methods of payment recovery from the repayers. this company has a interest fee of $120.00 of principle loan of only $400.00. My payday loan I asked for on 10/27/2014 was only for $400.00 dollars and I am 100% ok with that and I was advised that $120.00 is being attached to the loan as a interest payment and my entire balance will be $520.00 (Again I am ok with that)... I was lead under the impression of every 2 weeks on payday $120.00 will be debited from my account and pay towards the principle balance if at all keeping tab on my story there has been 2 payments made of $120.00 each total of ($240.00)....I made a phone call on 12/05/2014 to finish off the balance which to my knowledge is $280.00 if my math is correct and the representative advises me that I would have to pay $400.00 to finish repaying back my loan, which in all honestly absurd. if I just kept allowing them to debit $120.00 from my account 3 months in I would be $720.00 of still I will have to pay off $400.00 to pay off principle balance.

Desired Settlement: To allow me to pay off my true current balance of $280.00 which would give them a total of $520.00 which I agreed from day 1 that I would pay back.

Business Response: Initial Business Response /* (1000, 5, 2014/12/11) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***********. As of 12/11/2014 the concern has been resolved.

12/22/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I received a loan in the amount $500 from American Web Loan on September 30th. I was told my checking account will be debit $150 each pay period until my loan was paid back plus additional $150. I look online to review my account because with AWL because my loan should be paid off but notice that my balance still was showing $500. I thought maybe it's not showing on the main screen so I click on view details. It showed the same screen with no payment history. Then I called customer service and ask the representative ******** to explain why my balance is still showing $500 when $600 has already been collected. The representative stated "your checking account will be charged 16xs for $150 in order to pay off the loan". I said to the representative that is $2450 total which is $1900 more then a borrowed and already paid $600 back". The representative tried to explain the payment options to me and the one I was put on which leave me owing AWL $2450 minus $500 that I borrowed. I asked to speak with a manager one was not available at that time and to call back during central time. Then the representative said I can pay the whole $500 now which would make a total of $1100. I told the representative that I am being rob because should I pay $500 more on top of $600 that they collected already from me. I thank the representative for her time and hung up. Then next thing you notice I get a email stating here is the agreement that you requested. Showing interest of 812% and a total on $2450 for a $500 loan and a $150 monthly payment. When I seen this agreement I was in shock because I would had never agreed to anything like that in my life. I just started a job and was only trying to pay a bill at that time. I need help because this company is going to put me in debt. AWL not a solution it is highway robbery to put you in more debt then what you where in before.

Desired Settlement: Just want AWL to stop robbing me because they are going to put me in a real bad financial situation.

Business Response: Initial Business Response /* (1000, 5, 2014/12/05) */ We are in receipt of complaint #********. We attempted to contact Ms. *********** via the phone number on this complaint and by email. However, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **** we can amend the response.

12/22/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Misrepresentation of terms. Outrageous interest. So far $782 as of today on a $700 loan. I borrowed $700 from American Web Loan on 11/5/14. They told me they would withdraw 4 payments of $210 from my checking account. Found out at second payment that the $210 payments were interest only. Have been unable to pay on the principle. Was told Mondays were the cut-off date and I would not be charged interest if paid by Monday. Called today to pay off principle. Was told that I owed $882 - $700 principle plus $182 interest.

Desired Settlement: Feel I should only have to pay the four payments of $210 - total $840. Already have paid three $210 payments, to cover the $700 loan and $140 interest.

Business Response: Initial Business Response /* (1000, 5, 2014/12/17) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. *****************. As of 12/17/2014 the concern has been resolved.

12/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Predatory lending, violation of 15 U.S.C. §§ 41-58, Federal Trade Commission Act This is the 3rd time we have used AWL in an emergency. Our first loan was prepayed without issue. Our second loan was prepayed as well however AWL engaged in deceptive practices to insure our loan was a couple less days prepayed. We borrowed 1000 on or about 11/19. I attempted to prepay the loan on Wednesday, Thursday and Friday. (Internet search history available for documentation). I also tried to call to no avail. (phone records available). I decided to contact my bank and stop payment on any AWL automatic debit as I have never utilized same in the past and because they ignored my attempts to prepay in a willful and wanton matter for financial gain. In addition to this complaint, I have filed a complaint with the NJ Department of Banking and Insurance as payday loans are illegal in this state and subject to a 30% surety cap on interest. Further, 15 U.S.C. §§ 41-58, Federal Trade Commission Act Under this Act, the Commission is empowered, among other things, to (a) prevent unfair methods of competition, and unfair or deceptive acts or practices in or affecting commerce; (b) seek monetary redress and other relief for conduct injurious to consumers; (c) prescribe trade regulation rules defining with specificity acts or practices that are unfair or deceptive, and establishing requirements designed to prevent such acts or practices; (d) conduct investigations relating to the organization, business, practices, and management of entities engaged in commerce; and (e) make reports and legal claims. Further, The FTC alleged that the defendants violated the FTC Act by piling on undisclosed and inflated fees, and by threatening borrowers in debt collection calls with arrest and lawsuits. The FTC also alleged that the defendants violated TILA by giving inaccurate loan information to borrowers, and violated EFTA by requiring consumers to preauthorize electronic withdrawals from their bank accounts as a condition of obtaining credit. According to documents filed by the FTC, the defendants' deceptive and illegal tactics generated thousands of complaints to law enforcement authorities. In many cases, the defendants' inflated fees left borrowers with supposed debts of more than triple the amount they had borrowed. FURTHER, Federal Case law now supports the above position: U.S. District Judge ***************** handed the Federal Trade Commission a significant victory in its crackdown on deceptive payday lenders, affirming a magistrate judge's finding that the defendants in its AMG Services case are within the reach of FTC enforcement actions, even if they are affiliated with American Indian tribes. Note the following passage from the AWL website FAQ: That depends on the amount of your loan- our finance charge is based on the amount you choose to borrow. At AWL, we fully comply with the Truth in Lending Act (which is available in full text on the FDIC government website). Your finance charge and APR will be fully disclosed to you on your loan agreement. To learn more, talk to one of our friendly lending agents at 877-636-1353. Please refer to the FDIC Truth in Lending Act. YET, IN 2013 Otoe-Missouria Tribe, located west of Tulsa, Oklahoma, doing business as AWL, filed suit against NY and asserted the following: The tribes, however, say they don't need to don't need to comply with the law of New York or other states because they enjoy sovereign status under federal law. "The states have no authority to regulate these tribes in a way that limits their sovereign rights," said *********************************************************, who represents the tribes. "That is a bedrock principle of law." I plan on utilizing every state and federal civil remedy available to me to pursue charges against AWL for their actions. I am also advised the BBB they have been apprised of the above and notified not to contact us unless it is by CERTIFIED MAIL ONLY.

Desired Settlement: In the interest of the covenant of good faith and fair dealing, as well as mitigating our damages, I am offering AWL $500.00 in settlement of our claim. This offer will expire Friday, December 12, 2014 at the close of business. Please be advised breach of the NJ Consumer Fraud Act and Department of Banking & Insurance Surety Act on Interest Cap can result in TREBLE DAMAGES when proven in a court of law.

Business Response: Initial Business Response /* (1000, 5, 2014/12/11) */ We are in receipt of complaint #******** from Mrs. ******* ********. We attempted to contact our customer, Mr. ***** ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/12/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) The complaint and e-mail were forwarded on behalf of Mr. & Mrs. ********. American Web Loan was advised ONLY to contact ***** ********, ******* ********, their employers or their references by United States Postal Service only. They were advised any/all communications may be used as evidence against them. Further, the New Jersey Department of Banking and Insurance as well as Bank of America has advised Mr. & Mrs. ******** of the unlawful bate and switch/predatory lending tactic of multiple payee identifiers used in the unauthorized debit from their BOA account. If resolution of this matter is not complete by 12/23/14 ***** ******** will pursue federal litigation against AWL as well as a formal complaint with the NJ Dept. of Banking and Insurance against AWL. Final Consumer Response /* (4200, 12, 2014/12/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not wish to speak with American web loan directly due to their predatory, fraudulent, and unlawful practices. I have previously proposed a resolution through the BBB and I will await a response to same. Final Business Response /* (4000, 14, 2014/12/17) */ We are in receipt of complaint #********. We are not able to locate an account for Ms. ******* ******** in our files and we understand she is not willing to speak with American Web Loan. We have attempted to contact our customer, Mr. ***** ********, via the Phone Number and by Email; we are willing to speak with him and address any issues/concerns he has with American Web Loan. Since we have not heard back from Mr. ********, we assume there is no issue to resolve. Mr. ******** is welcome to contact us at his earliest convenience, we can be reached at 1.877.636.1353 Ext 1313. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

12/16/2014 Delivery Issues
12/15/2014 Advertising/Sales Issues
12/10/2014 Advertising/Sales Issues
12/8/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan for $400. I was charged 770.91% interest rate. I took out a loan for $400. I have come to understand that the documentation I electronically signed was fraudulent. According to the "loan agreement" (i.e., the Federal Truth-in-Lending Disclosure) states that I agreed to pay interest in the amount of 770.91%, with a pay off balance after 16 payment of $120 Bi-Weekly beginning on 10/3/13 thru 10/17/2014, ending/final payment of $160 on 5/1/2015. Final pay off on the $400 payday loan $1,960. I would have never ever agreed to pay $1,560 in interest for $400. If this is not outright fraud, I don't know what is. My aim and purpose is to shut this company down. I don't care if it is an Indian Tribe or not. If this is an Indian Tribe scamming people out their money. I most definitely want the owners brought up on criminal charges for scamming people across the state.

Desired Settlement: I am seeking are refund of $480 in interest they have collected from me. I plan on paying off the principle on November 28, 2014. I will pay the fee on the $400, but I want my $480 worth of interest they collected back. I also want this company shut down and their Florida license to do business revoked.

Business Response: Initial Business Response /* (1000, 5, 2014/11/17) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ****** *******. We offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ******* did not accept our good faith offer but provided a counter offer that was unreasonable to our business. Let me know if you have any further questions. Initial Consumer Rebuttal /* (3000, 7, 2014/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) Please be advised that I do not accept this response from American Web Loan. American Web Loan is a loan shark entity where they charge consumers exorbitant high interest rates. For example, in my complaint. I took out a $400 loan, they charged me 770.91% interest, then placed me on installments, which will intern garner them a $1,560 profit. Anyone in their right mind would never take a loan out. I have an account with ************. I pay a fee of no more than $60, which amounts to only 12%. This percentage is reasonable and allowable. Also, the Truth-Lending Statement is upfront before submitting. I did not see the TILS until the loan was approved, smh. In terms of my talk with ****** ******** on Monday, November 17, 2014. The only thing she discussed with me was my scheduled payment on November 28 to pay the origianl loan amount of $400, but refused to refund me $480 they stole from me. I told her they could keep the $80 as a fee for loaning me $400, but I demand the $400 profit they stole from me by charging me 700.91%. The only resolution for me is the return of my $480 minus the fee of $80 I will gladly give them, but I want my $400 back. If not, I intend on filing a class action lawsuit in federal court against the Otoe-Missouri Tribe of Indians. This loan sharking disguised as payday loans is unethical and I want this organization shut down. I have Twitted this issue and I am getting a lot of hits form victims of American Web Loan and I am gathering information in preparation of legal help. Final Business Response /* (4000, 9, 2014/11/21) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ****** ******* again to arrive at a resolution. We revised our offer and presented it to Ms. *******, this offer was in Ms. *******s favor but we felt it would still be fair to both the consumer and our business. Unfortunately, Ms. ******* did not accept our good faith offer. Let me know if you have any further questions.

12/8/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: AWL is not applying any of the funds withdrawn from my bank account to principal. I received a loan of $1100 from American Web Loans. They have not applied any of the $1320 withdrawn from my bank account in the last 2 months to that principal amount.

Desired Settlement: I would hope that they could provide a proper accounting as to why they will not apply any of the funds withdrawn to the principal. I also want to resolve any outstanding principal repayment issues without their threats of FBI lawsuits, arrests and criminal action. It would be helpful if I could communicate via email with their representative and reach an amicable solution to this.

Business Response: Initial Business Response /* (1000, 5, 2014/11/24) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

12/3/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Two months ago I took out a loan with this agency. It was a last minute loan that was (at the time) a necessity. Every two weeks, they company has been drawing out $150 towards, what I thought, was my loan amount. It turns out that every payment was just keeping the $500 I originally borrowed still active. Therein meaning that I still owe the company $500 even after they have taken $600 out of my account since then. I am not the only one that has been burned or is currently being burned by this company. Here you will find MANY people in the same position as I am. I called them to talk to them about the terms and they said that there is nothing they can do. They offered to extend my loan out further than the December 12th deadline to have it paid off in full. I don't know what to do! Half way to Christmas they plan on taking all of my money out of my account. Help Product_Or_Service: American Web Loans

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to settle with the amount of money that they've gotten. I could even accept one more payment of $150 to complete out the loan. That would mean that they received $750 on a $500 loan thus receiving their funds back along with 50% interest. If I pay them the $500 on the 12th, they will have received (with another $150 payment) $1250 which would be a 150 percent interest! This cannot be legal or ethical business practice. I am considering terminating my checking account.

Business Response: Initial Business Response /* (1000, 6, 2014/12/03) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ** **********. As of 12/03/2014 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2014/12/03) */ I was contacted today by ****** (877)****************** of American Web Loans. She has agreed to settle the accout on the 12th of December with one more Payment of $150 to close out the account as paid in full. I will be satisfied with this agreement upon the close of this account.

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

Complaint: I received a $600 loan from this company, have paid a total of $540, but was informed I still owe $600. This company is a scam filled with LIARS. On 10/9/14 I received a loan for $600, and have made 3 payments of $180 biweekly, for a total of $540. I was informed this morning that none of the payments made went towards the loan, and in fact I still owe $600. I was also informed that the only way to pay off the loan is to pay $600 in full 3 days before my next payment due date. This is CRAZY! I was never informed before the loan started that nothing would go towards my loan when I made my loan payments. I should be almost done paying on this loan not starting over with every payment I make. This company is a sham, and I something should be done about the way they take advantage of people's hardships.

Desired Settlement: I want my loan to be paid in full by the next billing cycle. I'm willing to pay what I borrowed, but I shouldn't have to pay over, and over, and over, while my payments don't move or mean nothing. If I had that type of money I would not have needed the loan. My payments have been on time, never late, and the amount agreed, but the company LIED.

Business Response: Initial Business Response /* (1000, 5, 2014/11/26) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/12/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) No not true I responded to an email sent to me from Sheila thanking her for marking my account closed and paid in full. Why are these people at this company telling lies in fact I saved my email response. I accept once again that they are willing to close my account so please do what you said you would and close it.

12/1/2014 Advertising/Sales Issues
11/28/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Repayment of $2000 on a $500 loan. DO NOT BORROW OR DO ANY BUSINESS WITH THIS COMPANY UNLESS YOU LIKE GIVING YOUR HARD EARNED MONEY AWAY!!! I applied for a $500 loan on 7/25/14. My first payment I set up was for $200 and $50 of that I was told went to the principle balance. Every payment after that was the automatic payment of $135. Thinking that I should be done with the payments I went on to the website and it showed that I still owe $450 towards the principle. I called customer service and I found out that everything I have been paying til now has been a refinance fee to extend the loan when you don't pay it off immediately. Nothing has been paid towards the actual loan of $500, the $150 fee or the principle balance which no one could tell me what the actual total is on the balance after the $650 is accounted for. As of today I have paid this company $1,010. I was told that the last 3 payments of the loan (payments 13,14 and 15) will pay off the loan. So a $500 loan is actually a $2000 that will be paid back to this company. I WILL MAKE SURE I TELL EVERYONE I KNOW AND ON SOCIAL MEDIA ABOUT THIS COMPANY AND THEIR UNFAIR PRACTICES TO SCAM PEOPLE OUT OF THEIR MONEY. THEY AREN'T TRYING TO HELP ANYONE BUT THEMSELVES TO YOUR MONEY.

Desired Settlement: They have received more then their fair amount for this loan. I want this loan to be considered paid in full with what I have paid already and any other payments that is due to be null and voided.

Business Response: Initial Business Response /* (1000, 5, 2014/11/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. Final Business Response /* (1000, 8, 2014/11/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** ********. As of 11/13/2014 the concern has been resolved.

11/21/2014 Advertising/Sales Issues
11/21/2014 Advertising/Sales Issues
11/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan in July for $600.00. To date I have paid AWL $900.00 and they say I still owe $780.00 as a one time payment to be paid in full. This was my first experience with a pay day loan. I will never do it again, I had a bill that needed to be paid and thought this would help. It has really made my life worst.The loan amount was $600.00. Not one dollar of the $900.00 dollars that they have collected from me has gone towards my balance of $600.00. When I called to inquire about it, I was told it is a revolving line of credit not a pay day loan. I can't borrow anymore money without having to pay even more money. This is crazy. I asked why haven't my $600.00 balance been paid. I'm not understanding this. She said I had to pay more money in order to get this cleared up. I feel this is worst than a loan shark which is an illegal operation. I do not understand how this company is able to operate with this type of dealings. I went to my bank to stop them from taking more money from me. I can't afford to pay my rent if I have to continue to pay this company for 7 1/2 months to pay off a $600.00 loan. I hope you can assist me with this situation.

Desired Settlement: I feel that the $900.00 is more than enough for a $600.00 loan. If they can accept that as payment in full. I will accept the lost of my money.

Business Response: Initial Business Response /* (1000, 6, 2014/11/03) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

11/3/2014 Problems with Product/Service
11/3/2014 Problems with Product/Service
11/3/2014 Advertising/Sales Issues
10/31/2014 Delivery Issues
10/31/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was told by an American Loan Representative that the loan would be paid off with 4 payment. Spoke to a call center rep today and I was told that I had to make 16 payments which totals $3360 for a loan in the amount of $700.00 The interest rate is 30% which is illegal. I've paid thus far a total of $630.00 and was told in order to pay it off in full I would still have to pay $970.00.

Desired Settlement: I should not have to pay $3360.00 for a $700.00 loan. The money is deducted directly from my bank account twice a month and I've paid a total of $630.00 as of 10/15/2014. I want to pay the remaining balance of $70.00. not $970.00.

Business Response: Initial Business Response /* (1000, 5, 2014/10/17) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* *****. As of 10/17/2014 the concern has been resolved.

10/28/2014 Advertising/Sales Issues
10/28/2014 Delivery Issues
10/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Outlandish Interest Rate, Terms and Conditions of the loan borrowed. I was in desperate need of cash, and I decided to take out a loan with americanwebloan. NEVER did they ever discuss the interest rate that I would have been charged. I took out $900, and paid my loan on time. I paid $270 on a biweekly basis. My fourth payment came out, and I logged into my account to see whether or not my loan was paid off. I noticed that it still showed that I owed them a total of $900. I called to find out why, and I was told that my interest rate was 730% and my $270 was going only towards the interest and not the principal. I never knew or was told anything about the interest that would have been charged. I have taken out pay day loans in the past, and I figured that the loan would have been paid off, being that I have now paid a total of $1,080, which is $180 more than what I took out.I was also tod that if I were to pay off my loan today, then I would still have to pay $900 plus $270, which is OUTLANDISH and RIDICULOUS. I am now having to cash out my ******** to pay off this loan, and I would have never agreed to such a loan, if I knew that the interest rate was that high and if I knew that they would have be pay on a loan for seven months, when I only took out $900.

Desired Settlement: I want them to consider my loan paid off in full.

Business Response: Initial Business Response /* (1000, 5, 2014/10/23) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* ******. As of 10/23/2014 the concern has been resolved.

10/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Not being made aware that the bi-weekly payment was a "fee" for lending the money. That none of the payment was going towards the principal. I took out a loan on 7/3/14 for $800. First installment of $240 was on July 25, 2014. This amount gets taken out of my checking account every two weeks. When the loan was first taken out, it was not explained to me that the bi-weekly payments were a "fee" and nothing was going towards the principal. I called them approx. a month ago to find out when the last payment would be, and was told the last payment would be in February, 2015. I called last night (10/20/14) to find out what the payoff was, and was told $800. This is ridiculous. As of 10/17/14 I have paid $1680. My next payment is 10/31/14. This would make a total of $1920 on an $800 loan. I have never received a copy of the contract that I electronically signed. And you can't get a copy by going to your account. If I had been explained to that I would be making only interest payments, I would have never gotten the loan. This has put a financial strain on me.

Desired Settlement: I would like to have the loan cancelled, showing paid in full.

Business Response: Initial Business Response /* (1000, 5, 2014/10/24) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** *****. As of 10/24/2014 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2014/10/27) */ I spoke with American Web Loan today and the loan has been noted as Paid In Full. No further payments will be taken out.

10/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has been contacting me at my place of employment and has left messages on our answering machine that is accessible by all employees. By leaving messages at my place of employment that all employees can access and hear the message is a violation of privacy. I want the phones calls to stop at my work and only to be contacted on my home phone.

Desired Settlement: Phone calls to stop at place of employment.

Business Response: Initial Business Response /* (1000, 5, 2014/10/14) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

10/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On loan agreement they have me signing the contract by name being typed in on a date that I was at work? Interest rate of 809.28 %. borrowing $500 When going to thier site it doesn't show the amount owed or what your payments are. CONGRATULATIONS, ****** *****! Your $500.00 loan has been approved. The regular payment for your loan is $150.00. Your first due date will be 8/15/2014. Should you need to contact customer service about your loan, please have your loan number ready. Your loan number is ******. You will manage your American Web Loan Flex Loan account online. Please follow this link: https://customer.americanwebloan.com to register for online account management. Once you have registered, you will receive a confirmation email of your registration. Your confirmation email will contain a link that will help you manage your account online. Once registration has been completed, you can begin using this link to manage your account online: https://customer.americanwebloan.com. All payment selections should be chosen at least 4 business days prior to each due date. You have the option to visit www.americanwebloan.com to create an account. Once you have registered, you have the option to log into your account to select a repayment method. The options are: Regular or Flexible Payment - $150.00 will be due on each regular payment due date. The only amount that will automatically be debited from your checking account is this regular payment amount. This option is the default payment selection on your account for each regular payment due date, and it will not decrease your principal loan balance until your final 3 payments according to your Payment Schedule which appears in your Loan Agreement. Prepayment - Any amount paid in addition to your regular payment will apply to the principal balance, reducing the principal balance and regular payment amount for the remaining payments. Pay in full - The entire loan balance plus a prorated regular payment amount may be paid at anytime and will cause your loan to be paid off in full. New features on the American Web Loan website include: Ability to apply for a new loan Receive information about our new Preferred Customer Program View your current account balance View your due dates and account history Make a payment Update your account information Once the balance of this loan has been paid in full, you will be eligible for an increase of $100, up to a maximum loan amount of $1400. You may also be eligible for our Preferred Customer Program, which allows you to receive discounts on new loan fees. To learn more about your benefits please visit https://customer.americanwebloan.com. You may also receive an Upgrade on your current loan once you have made 6 payments or the principle balance has been paid down to at least half of the original loan amount. And don't forget about our industry leading Customer Referral Program - where you can earn $110 for each new customer you send our way. Your unique referral code to share with friends and family is: (ReferralCode). The complete details and the Terms & Conditions of our Customer Referral Program are available once you create and login to your account at https://customer.americanwebloan.com. Thank you for being our next valued client! American Web Loan 877-636-1353 877-636-1353 Fax www.americanwebloan.com ****** *****, We received your loan application. If you haven't already done so, please visit https://agreement.americanwebloan.com/agreement.aspx?refid=4e1d05f7-d82d-455a-8453-073e6dba63d0&verifykey=1&source=2 to complete the application process. Thank you for being our next valued client! American Web Loan 877-636-1353 877-636-1353 Fax www.americanwebloan.com

Desired Settlement: To have the money applied to loan amount not just all too the interest which would bring the loan down faster.

Business Response: Initial Business Response /* (1000, 5, 2014/10/03) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

10/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The account they are attempting to collect is fraud, requested original ap etc & never received but they continue collection efforts January 2014 a collection agency contacted me about a declined ACH to pay a loan taken out. I have never opened said loan nor banked with the bank they had attempted to draft. My husband and I requested documentation to file a police report for fraud since the police stated we needed something like the original application to take the report. The company never provided the information, only kept moving the account to other firms and now are threatening legal action for an NSF autodraft payment on an account that I have never owned. Again I have requested the information and all we get is arguements, accusations and threats. We want the original application so that we may prove it is not my account and do so the correct way to clear my name and that they may write it off to fraud as they should do. It is obvious that their screening process for opening an account has serious issues that need resolving and their handling of fraud is to press the customer to pay using fear tactics instead of resolving to avoid writing off the debt.

Desired Settlement: We want the original application used to open the account so that we may file a police report and handle this properly.

Business Response: Initial Business Response /* (1000, 5, 2014/10/13) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ******** via the Email Address on the complaint, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we ***ume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. We can be reached at ***********************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Initial Consumer Rebuttal /* (3000, 7, 2014/10/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) My husband did call them and they refused to speak to him even though it is legal to do so. They want me to give them my social security number to discuss the matter which under the circumstances I am not willing to do. Our request was stated in the complaint, they have my email and can send me the requested documents without a phone conversation. All I want from them at this time is the original application so that we may file a fraud case but all they want is for someone to pay this be it right, wrong or indifferent Final Business Response /* (4000, 9, 2014/10/16) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ******** via the email address on the complaint. Due to the sensitivity of the account, we would like to speak only with Ms. ********. However, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we ***ume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. We can be reached at ***********************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Final Consumer Response /* (4200, 11, 2014/10/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) One attempt and you presume no issue? Ridiculous not that it means anything to you but I will deal with this when my father gets out of ICU as that is my priority. The "issue" exists and will be addressed. Sorry I wasn't able to drop everything just because you sent 1 lousy email in a half *** attempt to contact me

10/16/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: This complaint involves the pay day lending Company American Web Loan, charging around 800% interest. The state in which I live caps interest at 30% This complaint involves the pay day lending Company American Web Loan, charging around 800% interest. Connecticut, the state in which I reside and have resided for the past 15 years caps interest on small loans at 30%. Therefore high interest payday loans are defacto illegal in the state of Connecticut. I was not aware of the egregious terms of the contract, i.e., far into the triple digits interest rate, at the time I took out the loan. It was not until after I signed and finalized the documents that I was advised by an AWL Rep that I would need to make 16 payments of $114 to pay off the $400 I borrowed. This fact was not revealed to me at the time I borrowed the money. I am reporting the 1) lack of transparency at point of contract sale 2) illegal interest rate charged to resident of state where interest is capped at 30% for small loans.

Desired Settlement: I have sent American Web Loan outlining the facts as described here. I have also agreed in that letter to pay back the original principal amount of the loan, in three monthly installments.

Business Response: Initial Business Response /* (1000, 5, 2014/10/08) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. **** *******. We listened to her concern and offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ******* did not accept our good faith offer and discontinued the conversation. Let me know if you have any further questions. Initial Consumer Rebuttal /* (3000, 7, 2014/10/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) The American Web Loan Representative I spoke to did not acknowledge the basis of my complaint. I explained to her that the State of Connecticut has a law which caps interest rate on loans at 30%, and that therefore the contract I have with AWL is unenforceable. I also explained to the Rep what I explained in certified letter that I am willing to pay back the original principal balance of the $400 loan in three monthly installments. She counter offered that I pay back the full balance of the loan right then over the phone with a debit card. This is not a fair settlement as it continues to involve an illegal rate of interest by Connecticut statute. In fact, it is not a settlement at all but merely an offer to avoid an additional fee by repaying the loan prior to the first renewal date. This "settlement offer" was already part of the egregious and illegal terms of the loan. The $230 of "fees" (plus $400 principal) I paid on $800 borrowed over an approximately one month and a half month period equates to triple digit interest. Substituting the word interest for such terms as renewal "fee" does not avoid the fact that it is indeed interest, and interest at an illegal rate. I continue to stand by my original complaint. Final Business Response /* (4000, 9, 2014/10/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. **** *******. As of 10/14/2014 the concern has been resolved.

10/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for $600loan and was advised that I would be making 4 payment of $180 biweekly to pay the loan in full. today I was told I still owe $600. i was approved for a Loan on 7/18/2014 for $600. Loan number 651535. On 7/17/2014 I was advised by there representative that all I had to do was make 4 bi-weekly ACH payments of $180 to pay my loan in full . On 8/8/2014, 8/22/2014,9/5/2014,& 10/3/2014 my account was charged $180.Today 10/4/14 I called American Loan to inquire why did that take another payment on 10/3/14 if my loan was to be paid in full with the payment made on 9/19/2014 and was advised that I still owe $600. On 7/18/2014 I specifically asked the loan representative how much would it cost me to pay this loan in full and was told that I needed to make 4 payments. They have lied to me and know I've been told that the loan will be paid in 7 months.

Desired Settlement: all I am asking for is for 10/3/2014 payment of $180 be returned to my bank account.

Business Response: Initial Business Response /* (1000, 5, 2014/10/09) */ We are in receipt of complaint #********. We attempted to contact Ms. ********* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

10/13/2014 Advertising/Sales Issues
10/7/2014 Advertising/Sales Issues
10/6/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I also took a loan out with these people for a measly $800.00 and they take $240 out of my checking account every two weeks. They have taken 8 withdrawals out of my checking account for $240 each. That is a total of 8 x $240 =$1920.00 for a $800 dollar loan and they say I have another $2000 to go before my loan is completely paid off. Where do they get off getting back $3920 on a $800.00 dollar loan. There have been several cases just like this in the BBB history on this company and I want to know how many cases I need to take to my lawyer in order to file a class action lawsuit against these people.

Desired Settlement: I would like a refund of $920.00. Since I borrowed $800 I think $200 is enough interest. So if they've already taken $1920 out of my account they can put $920.00 back in and closed this loan as paid in full.

Business Response: Initial Business Response /* (1000, 5, 2014/09/22) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** **********, however, we have not heard back from Ms. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **********, we can amend the response.

9/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: AWL has withdrew funds from my personal checking acct including fees and interest over and above what is owed and now state that was interest only AWL ************* was taken out for 800 with agreement to pay 240 every other week till paid back. After loan was paid AWL still took payments out causing bank fees for insufficient funds

Desired Settlement: Refund of bank fees and close account as it has been paid in full and then some.

Business Response: Initial Business Response /* (1000, 5, 2014/09/23) */ We are in receipt of complaint #********. We attempted to contact Ms. *** *********** via the phone number on the complaint and the number we have on file, however, she declined to speak with us concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. Initial Consumer Rebuttal /* (3000, 7, 2014/09/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue is clear as well as desired resolution. AWL of $800 has been paid in full plus all interest and fees and yet AWL refuses to close account and accept this loan has been paid in full by me. Instead AWL is looking for more than double the amount of loan stating what was taken from my checking account was merely interest only payments. I refuse to accept that AWL is choosing instead to attempt to ruin my credit by fraud. AWL has not contacted me in fact I have contacted them in regards to why they have kept debiting my checking account after the loan was paid in full. They have instead sent an email stating I now owe more than double the amount. This is a fraud. Account is paid in full and closed and AWL should not attempt to try and ruin my credit. This is not fair business practice. Final Business Response /* (4000, 9, 2014/09/25) */ We are in receipt of complaint #********. We attempted again to contact Ms. *** *********** via the phone number on the complaint. Each attempt to contact Ms. ***********, via the phone number on the complaint or the number we have on file, have been unsuccessful as the call was disconnected when requesting to speak with Ms. *** ***********. We are willing and available to discuss any issue and/or complaint she has with American Web Loan. We can be reached at ***********************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday. Final Consumer Response /* (4200, 11, 2014/09/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) To date AWL has not attempted to contact me to resolve this issue accept via email in which they suggest nothing has been paid back on the loan they have withdrawn funds from my check account and was paid in full plus interest and fees on August 22nd which was over and above what was available in my personal checking which caused me extra bank fees. I contact AWL and a representative apologized and stated the loan was paid in full and no further automatic payments would be taken from my checking account. On September 5 AWL attempted to withdrawl funds from my checking account and the bank contacted me to let me know so my only choice after contacting AWL again and having a representative apologize and assure me this was simply a mistake on their part is to place a Stop Payment cause me more bank fees in effort to stop any further automatic withdraws from my checking account. AWL responded by sending me an email stating that I now owed them more than twice the amount due immediately.

9/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: NEVER STATED THE OUTRAGEOUS INTEREST RATE WAS HIT WITH VERY HIGH INTEREST RATE NEVER STATED TO ME.CALLED IN THINKING I WAS CLOSE TO PAYING LOAN OFF TO FIND OUT I THEY HAVE ME AS NOT PAYING ANYTHING. VERY MISLEADING I WOULD HAVE NEVER TOOK OUT THIS LOAN IF THESE RATE WAS TOLD TO ME .

Desired Settlement: I WOULD LIKE FOR MY PREVIOUS PAYMENT TO GO TO ORIGINAL LOAN.

Business Response: Initial Business Response /* (1000, 5, 2014/09/16) */ We are in receipt of complaint #********. We attempted to contact Mr. **** *********, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/09/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I haven't talk to anyone related to this matter. I was looking for a loan to help a financial situation not fall further in debt from being took advantage off.I would have never accepted loan if these rates was mentioned.I called in to see what my balance was knowing I paid the full amount that I borrowed off I surely didn't expect to hear I haven't paid anything towards what I borrowed.If this company has done this before it needs to be stopped. Final Business Response /* (4000, 9, 2014/09/18) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ********* on 3 separate occasions to the phone number provided on the Complaint. However, we could not leave a message as the recording advises the consumer is not available. Therefore on each occasion, we reached out to Mr. ********* via the email on the complaint. We included our contact information in each email and requested a return call. We are available to discuss any issue and/or complaint he has with American Web Loan. We can be reached at ***********************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

9/30/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The company is charging 356% interest on a 500.00 loan. The company offered a $500 loan with a $142.50 interest charge with the rest of the loan being paid of in increments of $142.50. Unbeknownst to be, there was a 356% interest charge and 16 payments until the $500 principal is paid off, which would equal $1780 in interest paid for a $500 loan over the lifetime of the loan. I called to pay my loan off and was told I paid $285 in interest and that I still owed $500. This was absolutely ridiculous to me that no payment applied to principal, and that I paid $285 interest on a $500 loan.

Desired Settlement: I would like the second $142.50 payment to be applied to principal, as I've already paid $142.50 in interest alone. I will pay the difference of $357.50 as required.

Business Response: Initial Business Response /* (1000, 5, 2014/09/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mrs. ******* *****. As of 09/18/2014 the concern has been resolved.

9/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I've asked them to stop contacting me numerous times. Unsubscribed from their emails and they continue to send way to many. I just want them to stop Numerous emails daily

Desired Settlement: Stop emailing

Business Response: Initial Business Response /* (1000, 5, 2014/09/19) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** ********. As of 09/19/2014 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2014/09/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I've Still Gotten Emails From Them Over This.Past.weekend Final Business Response /* (4000, 9, 2014/09/23) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ********, all previously scheduled communication have been terminated. As of 09/23/2014 the concern has been resolved.

9/29/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The company does not disclouse all terms and conditions nor is it located anywhere on there website to refer back to. The company does not disclouse all terms and conditions nor is it located anywhere on there website to refer back to. The company is misleading. They stated that I filled out an application on line, did no such thing. I called and spoke to someone over the phone. Once the tranaction was completed I recieve an email stating payment of $120 for a loan payment of $400. No where in the paperwork does it give you a total of the loan amount.

Desired Settlement: Since the loan amount requested have been repaid, I would like to close any outstanding amounts American Web loan requesting.

Business Response: Initial Business Response /* (1000, 5, 2014/09/24) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

9/29/2014 Billing/Collection Issues
9/23/2014 Advertising/Sales Issues
9/22/2014 Advertising/Sales Issues
9/16/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I WAS NOT TOLD EXACTLY HOW IT WORKS I WAS TOLD IT WOULD BE 210 PAYMENTS UNTIL 800 WAS PAID OFF I WAS TOLD THAT THERE WOULD BE 800 LOAN AND TO BE PAID OF WITH 210 DEDUCTED FROM MY ACCOUNT UNTIL THE 800 PLUS 210 INTREST WAS PAID OFF. AFTER 3 PAYMENT I LOOK AT ACCOUT AND SAW THAT THERE WAS NO CHANGE TO BALANCE. AFTER CONTATCING CUSTOMER SERVICE I WAS TOLD THAT IT WOULD BE 15 PAYMENT OF 210 BEFOR IT WAS PAID OFF. THAT WAS NOT HOW IT WAS EXPLAINED TO ME AT THE TIME OF THE LOAN.

Desired Settlement: JUST PAMENT OF THE 800 DOLLARS PLUS THE 210 INTREST

Business Response: Initial Business Response /* (1000, 5, 2014/09/04) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ********, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Final Business Response /* (4000, 8, 2014/09/04) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******e *****. As of 09/04/2014 the concern has been resolved.

9/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I borrowed $500.00 that ended up costing me $2800.00. They did not explain terms and conditons of the loan very well I was ripped off for $2300.00 I took a loan from AWL in May 2014. I borrowed $500.00 and they deducted from my account twice a month $150.00. I didn't read their terms and conditions very well. If I had I would never borrowed from them in the 1st place. That $500.00 c/a cost me over $2800.00. I called them July 2014 as I was wanted to know why my owed balance was more than I borrowed. I had to close out my bank account so they would stop taking money from my account.

Desired Settlement: All I want is the loan closed out and all payments over and above what I orginally borrowed of $500.00 be refunded back to me. They were very vague and sneeky with explaining terms and conditions. I do not want any negative reporting to credit bureaus from AWL. Thank You

Business Response: Initial Business Response /* (1000, 5, 2014/09/05) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Final Business Response /* (4000, 8, 2014/09/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ******. As of 09/08/2014 the concern has been resolved.

9/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Interest rate was not disclosed until after funds were deposited & AWL would not reverse the transaction. AWL failed to disclose the interest rate on my loan for 800.00. I was told that the interest rate was over 700% and I will be paying back over $4000.00 when it is paid in full. My bi-weekly payments are 240.00 and I have paid at least $1200.00. I do not remember the loan origination date but I called the day it funded as I had no documentation, and I was told the interest rate after funding.

Desired Settlement: I am requesting a full or partial refund for payments made. A full refund based on failure to disclose t&c prior to funding; a partial based on excessive interest rates.

Business Response: Initial Business Response /* (1000, 5, 2014/08/28) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Final Business Response /* (4000, 8, 2014/08/29) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** *****. As of 08/29/2014 the concern has been resolved.

9/9/2014 Advertising/Sales Issues
9/8/2014 Advertising/Sales Issues
9/8/2014 Advertising/Sales Issues
9/5/2014 Problems with Product/Service
9/1/2014 Advertising/Sales Issues
9/1/2014 Advertising/Sales Issues
9/1/2014 Advertising/Sales Issues
8/29/2014 Problems with Product/Service
8/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I feel that American Web Loans is scam artist that have very misleading reps. The beginning of June I checked into a few loans online to catch up on some bills that were behind I decided that I would not get one.For about a week I was contacted by American Loan Web on June 10,2014 I decided to take advantage of a 700.00 loan.I was misled about the terms and conditions over the phone by to representatives I have made 3 payments of 210.00 none of that amount has been used towards my loan I was told today when I called that it would not go towards my balance. When I took the loan out I was that the loan would be paid off within 6 months. I was not made aware that there was no other options as far as paying this loan.This company sent me no paperwork I was told to go online to check on the payments and payment arrangements, When I went to the website I didnt see anything that showed me interest or anything else the only thing it showed is the original 700.00 dollars. Learn About Our Referral Program View Documents View Details Make Payment Loan ID Owner Date Flexible Payment Amount Scheduled Due Flexible Payment Amount Scheduled Flexible Payment Amount Scheduled View Details Make Payment ****** American Web Loan 06-11-2014 $700.00 08-15-2014 $700.00 $0.00 Customer Loyalty Program customer loyalty icon For a limited time, once you pay off your first loan, you may qualify for our Customer Loyalty Program. Learn More Here » ..... Above is what is on the website. CONGRATULATIONS, ***** *****! Your $700.00 loan has been approved. The regular payment for your loan is $210.00. Your first due date will be 6/27/2014. Should you need to contact customer service about your loan, please have your loan number ready. Your loan number is ******. You will manage your American Web Loan Flex Loan account online. Please follow this link: https://customer.americanwebloan.com to register for online account management. Once you have registered, you will receive a confirmation email of your registration. Your confirmation email will contain a link that will help you manage your account online. Once registration has been completed, you can begin using this link to manage your account online: https://customer.americanwebloan.com. All payment selections should be chosen at least 4 business days prior to each due date. You have the option to visit www.americanwebloan.com to create an account. Once you have registered, you have the option to log into your account to select a repayment method. The options are: Regular or Flexible Payment - $210.00 will be due on each regular payment due date. The only amount that will automatically be debited from your checking account is this regular payment amount. This option is the default payment selection on your account for each regular payment due date, and it will not decrease your principal loan balance until your final 3 payments according to your Payment Schedule which appears in your Loan Agreement. Prepayment - Any amount paid in addition to your regular payment will apply to the principal balance, reducing the principal balance and regular payment amount for the remaining payments. Pay in full - The entire loan balance plus a prorated regular payment amount may be paid at anytime and will cause your loan to be paid off in full. New features on the American Web Loan website include: Ability to apply for a new loan Receive information about our new Preferred Customer Program View your current account balance View your due dates and account history Make a payment Update your account information Once the balance of this loan has been paid in full, you will be eligible for an increase of $100, up to a maximum loan amount of $1400. Also above is the email

Desired Settlement: I would like for the money I have provided go towards the loan that was taken out

Business Response: Initial Business Response /* (1000, 5, 2014/08/15) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response.

8/28/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: i borrowed money on pay day loan and awl told me 243 a month would be the payment with 63 dollars going to the principal of the loan which was 900 my complaint is they gave me a 900 dollar loan with 243 dollar payments coming out of my account bi weekly ( every two weeks on pay day). They told me 63 dollars would be going to the principal of the loan. I have made over 2000 dollars in payments to them and they tell me that I still owe 900 dollars plus 243 interest and fees. I am upset that all that money I have been paying has not taken and paid the loan and that is wrong and fraudulent. They misrepresented themselves and lied to me on where my payments have gone to and not to my loan but to just interest is crazy and fraudulent. they lied to me on the payment arrangement and nothing is been paid to on the loan.

Desired Settlement: I want my loan done and paid for and that they were fraudulent in my payment on my loan and told me it was being paid down the principal on the loan and not at all and all of it went in there pockets on interest. They told me I would have to pay until December and that is crazy.

Business Response: Initial Business Response /* (1000, 5, 2014/08/26) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* *****. As of 08/26/2014 the concern has been resolved.

8/25/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I scheduled a payment to payoff a loan in which the website told me my payoff was $600.00. a week & 1/2 later they deducted $780.00 from my account I took out a loan the money was depostied into my acct. on 6/12 for $600.00. On 7/7 they took out a payment for $180.00. One week later I went online to payoff the loan. The payoff amount listed was $600.00 so that was the amount I did the payment for. The payment screen didn't give me an option to pick a date for the payment to come out so I assumed that the payment would be scheduled for that date. They didn't take the payment out for another week & 1/2 (on the day my next draft was scheduled). They deducted $780.00 from my account when the payoff amount the day I paid the loan in full said $600.00. I called the company after I received my statement on 8/6/14 & spoke with a supervisor. All she kept telling me was that if I called & paid it over the phone or if I paid with my debit card that the payment would've been immediate & the extra $180.00 wouldn't have been assessed. She said the $180.00 was fees for having a balance on the loan until the next draft. When I made the payment to payoff the loan it didn't tell me that the payment wouldn't be made until the next draft date & that additional fees would apply. It didn't say that if I made a phone payment or paid with my debit card it would be immediate. If it had stated any of that I would've done that because I didn't end up needing the loan which is why I paid it back in full. I'm fine with the original $180.00 payment being taken out on the 7th of July because they did disclose when applying for the loan that there would be a $180.00 fee for recieving the money. Their website gave me the option to payoff the full loan amount in the amount of $600.00 so that is all they should've debited from my account.

Desired Settlement: I would like the $180.00 dollars refunded back to me. Their website said my balance was $600.00 so that was the payment I scheduled. Their website should be more detailed in letting people know that the payment won't be made until the next draft date in which an additional charge will be assessed for having the loan longer. They had no right to deduct $780.00 from my account when they told me the balance was $600.00.

Business Response: Initial Business Response /* (1000, 5, 2014/08/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ***********, however, we have not heard back from Ms. *********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ***********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/08/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I already spoke with a representative & a supervisor from the company. They just kept repeating themselves trying to explain why they charged me the extra $180.00. They weren't listening to what my issue was. When I scheduled my payoff amount which their website said was $600.00 that is all that should have been deducted from my account. Their website didn't give me an option to pick a scheduled date for the payment nor did it disclose that the payment wouldn't be taken out till the next payment date so I would be charged another $180.00 nor did it tell me that if I paid with my credit card the payment would be immediate. This was everything they told me when I called to find out why I was charged more than the $600.00. If this is how their payment process works then it should be disclosed on their website prior to the payment being made. I work 2 jobs if they've called it was probably when I was at work. They couldn't solve my problem when I called the last time so that's why I've decided to go this route. I think its bad customer service. They're clearly trying to rip off hard working people. Final Business Response /* (4000, 9, 2014/08/12) */ We are in receipt of complaint #********. We attempted once more to contact Ms. ****** ***********, however, we have not heard back from Ms. *********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ***********, we can amend the response. Ms. *********** is welcome to contact American Web Loan at her earliest convenience. We are available to discuss any issue and/or complaint he has with American Web Loan. We can be reached at ***********************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

8/25/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: No loan disbursed Contacted American Web Loan for a loan and was informed that I was eligible for $1100. No transaction ever occured, but I am receiving bills for a disbursed loan.

Desired Settlement: I would like the business to quit calling me and would request this item not be attached to my credit under Fair Credit Reporting Act.

Business Response: Initial Business Response /* (1000, 5, 2014/08/13) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ***********, however, we have not heard back from Mr. *********** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ***********, we can amend the response.

8/22/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I would like a paid in full acknowledgement and no further harrassing phone calls. I borrowed 1200. I have since learned this company is an illegal lender in the state of Texas, as Texas law requires them to carry a license in the state of Texas. I sent 5 emails all stating the same. I have revoked their rights to continue ACH drafting. I have asked them to Cease and Decist and stop all phone contact. I only wish to be contacted via email or mail. They are illegally continuing to contact me via phone. I have offered to make the final payment to cover the principal owed. I have paid a total of 1080.00 and have offered to pay the remaining 120.00, which would cover the prinicipal borrowed. Since they are illegal, this is my only obligation. They have failed to communicate with me via mail and / or email. I would like an email / mail acknowledgement that my paying the final 120.00 via money order, would resolve my account and would be considered paid in full and closed and that they would stop the illegal contact practices, after I issued a cease and decist letter.

Desired Settlement: I would like my account to be considered paid in full once I submit my final payment of 120.00. I will pay the final amount once I receive, in writing, their agreement to close my account and consider it paid in full. I also wish to no longer be contacted by phone.

Business Response: Initial Business Response /* (1000, 6, 2014/02/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/02/11) */ The company is still trying to contact me via telephone. I have asked them several times to not contact me via telephone. I would like them to contact me via email or USPS regarding this complaint. My contact information has been provided. Please let me know if it is still needed. Final Business Response /* (1000, 17, 2014/08/20) */ We are in receipt of Complaint #********. We have made 6 attempts to contact Ms. ***** ******, however, all attempts to reach her and arrive at a resolution have been unsuccessful. In addition, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. If we are able to speak with Ms. ****** we can amend the response. Ms. ****** may contact us at her earliest convenience; we can be reached at ***********************. Our hours of operation are 8:00a.m. To 5:00p.m. CST, Monday through Friday.

8/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: MY NAME IS ******* I GOT A LOAN FOR $400 AND I HAVE MADE 10 PAYMENTS OF $120 AND I SEE NO IMPROVEMENT OF MY LOAN GOING DOWN. THEY STILL WANT ME TO MAKE 6 PAYMENTS OF $120 BUT I HAVE NOT SEEN THE $400 LOAN GO DOWN IT'S BEEN THE SAME.I PAYED THEM THE $400 3 TIMES THAT'S $1200 AND I STILL HAVE 6 PAYMENTS LEFT THATS TO MUCH.THAT WILL BE ME PAYING MY LOAN OF $400 ALMOST 5 TIMES. THAT'S 16 PAYMENTS IN TOTAL. $120X16=$1920 THAT RIDICULOUS

Desired Settlement: I JUST WANT THEM TO DROP THE LOAN BECAUSE THIS IS A FROD WHAT THEY ARE DOING

Business Response: Initial Business Response /* (1000, 5, 2014/08/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr ******* *****. As of 08/14/2014 the concern has been resolved.

8/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Falsely issuing arrest warrant fake documents regarding a payday loan that I intended to pay back. Threatening my work place and my home. American Web Loans is contacting me claiming to come to my job or my home and sending threatening FALSE documents to me via email. Their collection practices are fraudulent and if they do not cease and desist these false claims I will sue them for damages.

Desired Settlement: Send me a bill (like any other agency) and I will make payments as I can. Or write it off completely. I know they they are NOT allowed to harass me nor can they make false claims stating they are going to have me arrested.

Business Response: Initial Business Response /* (1000, 5, 2014/08/07) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *********, however, we have not heard back from Ms. ********* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *********, we can amend the response.

8/18/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Made multiple request to stop all attempts of contacting me particularly at my workplace both in writing and verbally but they continue to harass me. AWL continues to ignore my request to stop contacting me especially at my place of employment. My employer has asked them not to call anymore also but they continue to do so. I have mailed two certified letters requesting to stop calling and have also asked them over the phone to stop with four different collections representative.

Desired Settlement: Please just stop trying to contact me. I will contact them at my discretion.

Business Response: Initial Business Response /* (1000, 5, 2014/08/04) */ We are in receipt of complaint #********. We attempted to contact Mr. **** **, however, we have not heard back from Mr. ** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. **, we can amend the response.

8/18/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Unauthorization of Debit from account. They took $300 from me while I was asleep. I set up payment arrangements with American Web Loan on June 30, 2014 arount 4:00pm with a gentlemen named **** ******. I agreed to pay 3 payments of $150 and one payment of $200 to settle my account. After checking my account on 8/3/2014 i notice 2 debits both for $150 whith i did not and which were not in the agreement we had. Loan ID: ****** Customer Name: *****,****** Purchase Date: 6/18/2014 Collections Rep: **** ****** Payment agreements: 6/30/2014 $150 7/11/2014 $150 7/25/2014 $150 8/8/2014 $200 Payment was scheduled to be paid via automatic bank draft. however on 8//3/2014 I viewed my account and 2 payments for $150 each had been charged to my account. My bank account is now overdrawn.

Desired Settlement: I want refunds of all unauthorized debits as well as compensation for any charges received by my bank.

Business Response: Initial Business Response /* (1000, 5, 2014/08/06) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response.

8/12/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: advertised coupon for a credit not issued ever american web loan solicited new loans by advertising a 50.00 credit coupon when re loaning this coupon solicitation is sent via my email. Not anytime have I received the promised credit from american web loan as advertised. Only once after contacting someone by phone did I receive the promised credit when re loaning. Today 7/28/14 at approx 10am PST I called to inquire why I have not received my advertised credit and was told that it takes 14-21 days after the loan is funded to receive the credit? the coupon states 10-14 days? after requesting to speak to a supervisor the supervisor "****" told me he saw that I had used the same coupon code on my current loan and that the code can only be used once? **** said he would give me a 30.00 credit not the 50.00 advertised on the coupon I used? **** also said that I would receive the 50.00 for my current loan in 14-21 days!! Now I have experience with this company and their deceptive practices and cannot believe I will ever receive the 50.00 promised

Desired Settlement: I want the 50.00 credit as advertised/promised in the coupon they sent me to entice me to barrow from them again!!!

Business Response: Initial Business Response /* (1000, 5, 2014/07/31) */ We are in receipt of complaint #********. We attempted to contact Ms. ********* *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Final Business Response /* (1000, 8, 2014/07/31) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********* *******. As of 07/31/2014 the concern has been resolved.

8/11/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: loan co. takes more than 100.00 more than authoorized amount from my checking then takes too long too put bck, putting me in rrears and getting fees. Today, my withdrawal amount was suppose to be $160.00. Instead $280.00 was withdrawn. This must be rectified at once. Thank you. ****** ***** <***************.com> Jun 10 to customerservice Today, my withdrawal amount was suppose to be $160.00. Instead $280.00 was withdrawn. This must be rectified at once. Thank you.first time ****** ***** <***************.com> 6:20 AM (1 hour ago) to customerservice AWL, Today, a payment of $121.00 was supposed to be withdrawn from my account. Instead, $222.80 was withdrawn. This is the SECOND time that this costly error has happened with your company. The difference of $101 MUST be returned to my account this morning. I refuse to wait for this error to be corrected. You will also cover any wire bank fees that my bank charges me to correct your error. Also note, that I will be filing a complaint against your company for doing this AGAIN. The first time, I was understanding, this time, I AM NOT. Below is a print screen of my bank record from this morning. By the way, your apologies for this error is NOT ACCEPTED. All I want is this matter to be resolved at once. That's the best apology you can give me at this point. 2nd time today

Desired Settlement: we need the money replaced back immediatley, payment of bank fees from last time and this time if any more occor, nd another form of repayment to them as we don not trust them going into our account. Thank you

Business Response: Initial Business Response /* (1000, 5, 2014/07/28) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mrs. ******* *****. As of 07/28/2014 the concern has been resolved.

8/11/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Be careful with this company. They target seniors and young people. They have predadory lending practices and violate the Fair Debt Collection Act. failure to Cease and Desist upon written request, leaving terrible voice mails to employers, contacting and accusing and violating collections Act.

Desired Settlement: a refund in full. A penalty for violating the Fair Debt Collection Act. and punitive damages for affecting the health of a senior. BBB DOES NOT SEEK PUNITIVE OR COMPENSATORY DAMAGES

Business Response: Initial Business Response /* (1000, 5, 2014/08/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/08/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) They're "attempts to reach Ms. ********" is based on their clear harassing tactics. This company hides behind the veil of Tribal Lending-but, they forget that they are not above the law. All a consumer has to do is read all the complaints filed about them. If they want to communicate they need to put it in writing. They will have a response. I already sent them a Notice via U.S. Mail, they must Cease and Desist. They have recieved numerous emails with the same message and they ignore it. At least, this is all documented-Thank you BBB. All they want to do is intimidate by using bad buisness practices, hiding behind Tribal Lending.

8/11/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Over charging for a $500.00 loan. Now I have to pay back almost $2000.00. I borrowed $500.00 for an unexpected emergency. They took out an wire fee, and set up a payment plan for $150, which is payed every other week until 16 payments are made. This company takes advantage of people in need. I want to pay back what I borrowed not 4 times the amount. This is highway robbery. CONGRATULATIONS, ******* ****! Your $500.00 loan has been approved. The regular payment for your loan is $150.00. Your first due date will be 5/22/2014. Should you need to contact customer service about your loan, please have your loan number ready. Your loan number is ******. You will manage your American Web Loan Flex Loan account online. Please follow this link: https://customer.americanwebloan.com to register for online account management. Once you have registered, you will receive a confirmation email of your registration. Your confirmation email will contain a link that will help you manage your account online. Once registration has been completed, you can begin using this link to manage your account online: https://customer.americanwebloan.com. All payment selections should be chosen at least 4 business days prior to each due date. You have the option to visit www.americanwebloan.com to create an account. Once you have registered, you have the option to log into your account to select a repayment method. The options are: *Regular or Flexible Payment - $150.00 will be due on each regular payment due date. The only amount that will automatically be debited from your checking account is this regular payment amount. This option is the default payment selection on your account for each regular payment due date, and it will not decrease your principal loan balance until your final 3 payments according to your Payment Schedule which appears in your Loan Agreement. *Prepayment - Any amount paid in addition to your regular payment will apply to the principal balance, reducing the principal balance and regular payment amount for the remaining payments. *Pay in full - The entire loan balance plus a prorated regular payment amount may be paid at anytime and will cause your loan to be paid off in full. New features on the American Web Loan website include: *Ability to apply for a new loan *Receive information about our new Preferred Customer Program *View your current account balance *View your due dates and account history *Make a payment *Update your account information Once the balance of this loan has been paid in full, you will be eligible for an increase of $100, up to a maximum loan amount of $1400. You may also be eligible for our Preferred Customer Program, which allows you to receive discounts on new loan fees. To learn more about your benefits please visit https://customer.americanwebloan.com/Login.aspx. You may also receive an Upgrade on your current loan once you have made 6 payments or the principle balance has been paid down to at least half of the original loan amount. And don't forget about our industry leading Customer Referral Program - where you can earn $110 for each new customer you send our way. Your unique referral code to share with friends and family is: (ReferralCode). The complete details and the Terms & Conditions of our Customer Referral Program are available once you create and login to your account at https://customer.americanwebloan.com/Login.aspx. Thank you for being our next valued client! American Web Loan 877-636-1353 877-636-1353 Fax www.americanwebloan.com

Desired Settlement: For me to pay back what I borrowed, which is $500.00. I have already made 3 payments of $150.00, which leaves me $50.00 left to payback.

Business Response: Initial Business Response /* (1000, 5, 2014/07/28) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ****, we can amend the response.

8/8/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: American Web Loan didn't let me know my $400 was going to cost me over $2000. I borrowed $400 from American Web Loan in February. Twelve $150 payments ($1800) have been taking from my account as of yesterday 8/1/14 and they say I still owe $500. They never explained their interest rate or sent me anything in writing. I would have never opened an account with them if I knew it was going to cost me so much.

Desired Settlement: The settlement I seek is closing my account and calling my loan paid in full. I have already paid $1800 on a $400 loan.

Business Response: Initial Business Response /* (1000, 5, 2014/08/06) */ We are in receipt of complaint #********. We attempted to contact Mr. **** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Final Business Response /* (1000, 8, 2014/08/06) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** *****. As of 08/06/2014 the concern has been resolved.

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

Complaint: AUTHORIZED AMERICAN WEB LOAN TO ACCESS MY ACCT FOR 8 PYMT OF 262.00 EVERY 2 WEEKS. THEY WD 9 PYMENTS 4 OF THEM IN THE SAME WEEK. THEY WERE NOT AUTHORIZED TO TAKE 4 PYMT AT ONCE. WHICH PUT MY ACCT IN THE NEG AND MADE ME UNABLE TO FULFILL MY OTHER FINACIAL OBLIGATIONS DATE OF WD ;05/23;05/09; 06/06; 07/11; 07/04 AND 08/01 AND 3-WD ON 08/03 PYMT METHOD WAS POS # ****** PHONE # **************

Desired Settlement: I WANT THE EXTRA PAYMENT OF 262 RETURNED ASAP

Business Response: Initial Business Response /* (1000, 5, 2014/08/06) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********* *********. As of 08/06/2014 the concern has been resolved.

8/5/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Over Charged! I was charged for an extra payment and was denied a refund. Horrible! This company is a bunch of crooks! I was charged $210 weekly for 2 weeks and I get paid bi-weekly. I tried to get a refund on the extra payment and was told there was nothing they could do. Not only do they charge ridiculous interest but they robbed me of $210. That's stealing in my book!!!!

Desired Settlement: My wife recently lost her job, this was the reason for the loan. It would really help my situation if I could get a refund for the $210 I was over charged. This is my money and I didn't authorize the payment debit. I don't see what the issue is with AWL not giving me a refund!

Business Response: Initial Business Response /* (1000, 5, 2014/07/23) */ We are in receipt of the Complaint Case #*********. We have reviewed the complaint submitted by Mr. **** ******. As of 07/23/2014 the concern has been resolved.

8/4/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Calling me at work when I have advised them they are not permitted to. Acct# ******: I cancelled my ACH via email and advised them at this time not to call my work number or any numbers they had on file, and to only send correspondence through email on 6/15/14. In the email I wrote regarding why I was cancelling the ACH, I advised them that I am now aware they are not licensed to do business in my state (WI) and therefore the transaction was null and void, however I would pay them the remaining balance of the principal amount loaned; loaned $800 and made 3 payments of $240. Because they were not licensed in WI, I should not have to pay them anything other than the principal amount since the transaction was not legally completed. On 6/16/14, I received a call at work stating I was in default; I also did not receive this call myself. My co-worker took a message and left it for me since I wasn't at work that day. On 6/17/14, I received an email stating I was in default already. I have refused to pay them the remaining $80 balance on the principal because they insist on sending me emails stating I owe $1000+ even though they are not legally allowed to conduct business in WI. I have been getting constant calls to my cell phone daily; 11 calls just yesterday. My phone blocks any suspicious or spam numbers. This week, I have been called 3 times at work. When I advised the caller "****** *******" that they are not allowed to call me at work and I cannot receive personal calls, he told me, "I know, but this is the only number I can get through at. You phone number only goes to voice mail and your voice mail is not set up." The company is calling me after I have advised them to no longer call my phone or work numbers. I believe this practice does not abide by the Fair Debt Collection Practices Act. Here is the email I sent to them on 6/15/14: To Whom it May Concern, I am writing today to revoke the ACH permission on loan account# ******. I have recently found that American Web Loan is not licensed to do any business in my State, therefore making the transaction null and void. If in fact, this information is incorrect, please supply the Wisconsin Department of Financial Institutions (DFI) license for my review and confirmation. My loan was opened 4/23/14 for $800USD. To date, I have made 3 payments of $240USD each. The total amount paid on this loan is $720USD, yet no amount has been applied to the principal. Because American Web Loan is not licensed to do business in Wisconsin, I only agree to paying back the loaned amount of $800. REMINDER: I am revoking American Web Loan's right for ACH withdraws to my bank account. Payment will be made through prepaid card or other means to satisfy the initial $800 loaned amount. Furthermore, I am advising a cease and desist order for any further communications to my phone number, work number or any phone numbers you have on file for my account. I may only be contacted through email at: ****************.com. Please confirm and acknowledge. Regards, ******

Desired Settlement: I would like American Web Loan to stop contacting me at work and on my phone. I would like the company to remedy the loan as my email request since they are not allowed to do business in my state.

Business Response: Initial Business Response /* (1000, 5, 2014/07/22) */ We are in receipt of complaint #********. We attempted to contact Ms. *** ** by phone and received no answer and could not leave a message. However, we also tried to reach her by email but have not heard back from Ms. ** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **, we can amend the response.

8/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On May 9, 2014 I took out a web loan in the amount of $1300. I've since paid $1,170 - all interest. For a $1,300 loan, I will pay $2,860 OR MORE! On May 9, 2014 I took out a web loan (Account Number ******) with American Web Loan LLC in the amount of $1300.00. I understood there was going to be a high interest rate but for a quick fix I decided to pay the price. My first payment of $390.00 was paid on May 25, again on June 10 and June 25, 2014. There is a payment of $390.00 also due on July 10, 2014. I managed my account online but began to notice there is no place that actually showed the updated balance. Today, July 5, 2014 I contacted the company at (877)636-1353. I was told the $390.00 I pay twice a month is only the interest and that was all explained clearly in the paperwork. So, I have paid $1,170.00 in interest fees and still owe the original $1,300.00. If I wanted to pay the loan off today it will cost me $1,690.00. Total amount of payments for a $1,300.00 loan will be $2,860.00. Every two weeks another $390.00 is added. So in another months time the payoff would be $3,60.40. I am a disabled veteran and cannot afford to continue paying these exorbitant fees. This is more than 3 times the amount I borrowed.

Desired Settlement: I would like to have a firm amount commensurate with the amount I borrowed rather than the $2,860.00 which is about a 371.8% interest rate. Their website states other entities using their name, steps to guard against fraud, and seemed legitimate. Please help me and the other people caught up in this outrageous business practice. I am paying $780.00 per month for a loan that will drag on and on until its' paid thousands over the amount borrowed.

Business Response: Initial Business Response /* (1000, 5, 2014/07/14) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** **********, however, we have not heard back from Ms. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/07/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Their response has been they could not reach me to find out "why she has any issue and/or complaint with American Web Loan." This answer is unacceptable since my complaint itself has been clearly identified in my initial complaint #********. As far as I am concerned my complaint HAS NOT been adequately addressed by American Wen Loan therefore there is no resolution. Again, I would like to have a firm amount commensurate with the amount I borrowed rather than the $2,860.00 which is about a 371.8% interest rate. Their website states other entities using their name, steps to guard against fraud, and seemed legitimate. Please help me and the other people caught up in this outrageous business practice. I am paying $780.00 per month for a loan that will drag on and on until its' paid thousands over the amount borrowed. I am a 100% disabled black female veteran. The money they are taking is from my disability check which I use to support myself and year 76 year old mother. I will be paying this company for the rest of my life for the small amount which I borrowed. Please readdress this issue to resolution.INITIAL COMPLAINT: On May 9, 2014 I took out a web loan in the amount of $1300. I've since paid $1,170 - all interest. For a $1,300 loan, I will pay $2,860 OR MORE! On May 9, 2014 I took out a web loan (Account Number ******) with American Web Loan LLC in the amount of $1300.00. I understood there was going to be a high interest rate but for a quick fix I decided to pay the price. My first payment of $390.00 was paid on May 25, again on June 10 and June 25, 2014. There is a payment of $390.00 also due on July 10, 2014. I managed my account online but began to notice there is no place that actually showed the updated balance. Today, July 5, 2014 I contacted the company at (877)636-1353. I was told the $390.00 I pay twice a month is only the interest and that was all explained clearly in the paperwork. So, I have paid $1,170.00 in interest fees and still owe the original $1,300.00. If I wanted to pay the loan off today it will cost me $1,690.00. Total amount of payments for a $1,300.00 loan will be $2,860.00. Every two weeks another $390.00 is added. So in another months time the payoff would be $3,60.40. I am a disabled veteran and cannot afford to continue paying these exorbitant fees. This is more than 3 times the amount I borrowed. Final Business Response /* (4000, 9, 2014/07/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** **********. As of 07/18/2014 the concern has been resolved.

8/1/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Took out a. $600.00 loan back in February and been paying $180.00 bi weekly ever since. I feel they have been paid back with all the money they took out

Desired Settlement: $400.00

Business Response: Initial Business Response /* (1000, 5, 2014/07/28) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response. Final Business Response /* (1000, 8, 2014/07/30) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** *******. As of 07/30/2014 the concern has been resolved.

7/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: *************************** claims my bank denied their transcations several times, it was a lie. The error was probably on their end and blamed me. I have been dealing with American Web Loan since January 2014. They have called me twice before 8am, called me at work and advised it was urgant matter (I am not allowed to receive personal calls at wor unless it was an emergency). All of the calls at my place of employment are recorded because I work for a law form. My superviosr and human resources heard the call because we have a secuirty sweep of our calls every night to make sure proper procedures are followed on the phone.I left a message with ****** ******** on 5/9/14 and I advised her of my work hours but I was called recently while I was at work on my cell phone. They also claimed my bank declined several transcations of theirs but I went into my local bank branch went htrough all of my tranactiosn and there was enough moeny to cover their transactions and I use my debit card all of the time. I check my balance at least twice a day because part of my employment with my law firm is I can't bounce checks and I signed that agreement February 2014. My bank advised me they did not declined several transactions from American Web Loan, they took $220 on 4/25 so my debit card and they were suppose to take $160 but I called me to change the pay date because I had to put money in the account to cover that transcation and I left a message for ****** ******** to do that. American Web Loan also has a habit of putting words in my mouth, I had reps telling me I am not interested in paying this. I borrowed $400 from this company and I have paid $340 so far and I am willing to pay the remaining $60 but I am not paying any more than that. This issue with Americna Web Loan has went on long enough and I have also complained to the Federal Trade Commission because they violated the FDCPA on at 2 different occassions. I have also spoken with an attorney that advised there are several complaints against this company.

Desired Settlement: I will pay the remaining $60 I owe and I wnat a letter showing the account is taken care of. I will not pay any interest fees because of the questionable business actions of this company. It is illegal what they are doing, I just want to be over so I can move on with my life.

Business Response: Initial Business Response /* (1000, 5, 2014/07/17) */ We are in receipt of complaint #********. We attempted to contact Ms. ********* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

7/28/2014 Problems with Product/Service
7/28/2014 Delivery Issues
7/28/2014 Problems with Product/Service
7/25/2014 Advertising/Sales Issues
7/21/2014 Problems with Product/Service
7/21/2014 Problems with Product/Service
7/18/2014 Advertising/Sales Issues
7/16/2014 Advertising/Sales Issues
7/14/2014 Advertising/Sales Issues
7/14/2014 Advertising/Sales Issues
7/10/2014 Advertising/Sales Issues
7/10/2014 Delivery Issues
7/2/2014 Advertising/Sales Issues
7/2/2014 Advertising/Sales Issues
7/1/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed from americawebloan, I paid off my balance in bi weekly payments but had to pay double. second time around I borrowed $600 and thought I paid it off like the first loan but this time I get a call from ***** **********************. He tells me that I still owe them $1284. I asked how come because my loan was only $600 and I paid double that amount. He then tells me that the money I paid was not going to my balance. Which was crazy to me because that is how I paid my balance off the first time. He says the first time my balance really was not paid in full and that they wrote it off due to that I did not understand the loan terms. My bank statement does not show that it was a write off, with all the money I paid them. I paid $171.00 bi weekly for 5 months so far. Can they do that?

Desired Settlement: DesiredSettlementID: Other (requires explanation) this loan should be considered paid in full

Business Response: Initial Business Response /* (1000, 5, 2014/06/19) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/06/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received a call from ****** while I was at work. She left a message on my cell. I returned her call on my break and got her voice mail. I left a message with my work hours and the best time to reach me. She turns around and calls my cell again while I'm still at work when she have the best time to reach me. I returned her call again, of course I got her voice-mail again. Its like we playing phone tag or they don't want to be reached. I can not be on my cell at work. Final Business Response /* (1000, 12, 2014/06/27) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** *****. As of 06/27/2014 the concern has been resolved.

7/1/2014 Advertising/Sales Issues
7/1/2014 Advertising/Sales Issues
6/30/2014 Delivery Issues
6/30/2014 Problems with Product/Service
6/30/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Took out payday loan was under the impression that my $120 payments bi-wkly were paying the loan, it's just paying the interest. $400 loan=$1960. I took out a payday loan #****** over the phone with the company on September 16, 2013. The representative made it sound as though after 4 payments of $120 the loan would be satisfied. I called on 11/1 to reschedule my payment for the last payment and was informed there were 16 payments unless I paid more than the $120 payment. I was shocked! So I have paid to this point $360 and NONE of it was applied to the loan, it was just a fee to continue to extend the loan. In order to pay the loan off i need to pay OVER the $120 up to the loan amount of $400. For example, in order to pay the loan off the first payment it would have required a payment of $520!!!

Desired Settlement: I want my contract paid in full after this final payment to come on out 11/15. They will have received $480 of my money. $80 is sufficient interest on a $400 loan.

Business Response: Initial Business Response /* (1000, 5, 2013/11/06) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ****, however, she has blocked our number and we are unable to reach her to determine why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. Initial Consumer Rebuttal /* (3000, 7, 2013/11/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I am at work I am not allowed to answer to answer my personal phone. The number has not been blocked. Call before 10am or after 7pm est and I will answer Final Business Response /* (4000, 9, 2013/11/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** **** on the provided number and the number remains invalid. We are happy to speak with Ms. ****, she is welcome to contact us at 1.877.636.1353 Ext 1313. Consumer Response /* (3000, 16, 2014/06/30) */ Please mark this case resolved after making an resolution with ******.

6/25/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The wording in their contract is very misleading and are not clear. I I took out a loan of 900.00 with knowing I had to pay back 1170.00. We'll I'm sure anyone would say that's a good deal. We'll I've called a couple weeks ago to inquire how much I had to pay sine I all ready paid like three payments. The customer service person says to me then it's 1170. So in my mind I just got a payment and some change. We'll to my surprise yesterday I got paid and what I see another payment coming out so I inquired again how much do I owe. ******* says to me today we'll I can't tell you. It depends when you wanna pay the loan off. I asked then to speak with a supervisor. **** then explained to me all the payments I was making were to the interest and to keep the loan current. I was suppose to pay the 270. Plus 900.00 in one month otherwise they just keep taking the 270. Now they have taken a total of 1350.00 from and **** said he's willing to just skip my next payment and then I owe 630.00 I say no. I've paid the loan and some I should be done.

Desired Settlement: My settlement is that we are done. I owe them nothing more.

Business Response: Initial Business Response /* (1000, 5, 2014/06/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** ****. As of 06/18/2014 the concern has been resolved.

6/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I got a loan from them for $600, they told me I would pay the$600 back plus $210 for interest. I have now paid $1980 they state I owe them $600. This place is a loan rip off, they do not even follow state guidelines.

Desired Settlement: I would like to pay the$600 I borrowed and the additional $210 charge, have them STOP charging my account, and get a refund for my overage.

Business Response: Initial Business Response /* (1000, 5, 2014/05/19) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will call them back, they just called today. Final Business Response /* (4000, 12, 2014/06/03) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** ****. As of 06/02/2014 the concern has been resolved.

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

Complaint: Taking funds from my checking account with no knowledge of who the company is. Have provided no communication methods. Thsi company has been taking money from my checking account with out my knowledge. They put money into my account and I have been trying to 1. Find out who they are 2. How they obtained my account information. 3. How to clear this before filing criminal charges. They deposited $500 into my bank account in December and have made withdrawals since. My research has come up with this company being some kind of payday loan for which I have never applied. They have received their $500 back that should not have been put into my account in the first place.

Desired Settlement: To settle this I just want them to remove my information and stop the withdrawals from my account. It is my error to have not paid closer attention to my bank account until now, so I will not request refunds. I will be contacting my bank to put a fraud stop payment against them so no further funds will be removed from my account.

Business Response: Initial Business Response /* (1000, 5, 2014/05/28) */ We are in receipt of complaint #********. We attempted to contact ******** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response.

6/2/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: When trying to find the terms of my agreement with the business.the contract agreement was not made avail.to me until the 8th payment by cust. service In February 2014 I needed a loan for car repairs. Tried my bank 3 times was denied. I found a company online called ********* that sends you names of companies that could lend you money. I found American web loan who approved me for 800.00. Your agreement is signed by clicking a submit button. When making an account from AWL you never saw the contract agreement. If you clicked on it nothing was there. After 3 payments I called for my payoff amount for the last payment or two. The rep I spoke with deferred my payment for May 09 and said the next payment would be May 23. I explained to her my electricity would be shut off if I didn't make a payment. I explained to her I never saw the agreement and had I known it was at 791.37% for $3,120.00 when I only borrowed 800.00 I would have never gone thru with this loan. I do not want to pay $3,920.00 for 800.00. I have stopped the payment from coming out of my checking acct for May 23 and only think I should not have to pay that exuberant amount. Hoping to come to some resolution as I am single and have Multiple Sclerosis and have medicines and an apartment that I am trying to afford.

Desired Settlement: To come to a resolution of paying maybe 300.00 to end this Loan Shark loan.Taking advantage of people.

Business Response: Initial Business Response /* (1000, 5, 2014/05/21) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *****, however , we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

6/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They called and harassed me at my job to the extent i was being told if they continued i would be fired, and they would not work with me. THis company tried to charge me $1000.00 for a $400.00 loan that i held for 4 months and not the 10 months that was outlined in contract, they would not work with me on a payment plan and turns out they don't have authorization or license to issue loans in my state of residence. They called and harassed me and my co-workers calling 10+ times a day and were so rude!

Desired Settlement: I need these people to stop calling and harassing me at work before they get me fired and to quit threatening me.

Business Response: Initial Business Response /* (1000, 5, 2014/05/16) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/05/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) They always call while I am at work I can not accept their phone calls while on the clock I have explained this to that Carson lady, I have offered to correspond through email they say this is not an option. Final Business Response /* (4000, 9, 2014/05/20) */ We are in receipt of complaint #********. Our previous attempts to contact Ms. ******* ****** have been unsuccessful. We have sent an Email to Ms. ****** requesting her availability. We will make every attempt to coordinate a reasonable time to discuss any issue and/or complaint she has with American Web Loan. We have also sent our contact information. We can be reached at 1.877.636.1353 Ext. 1313. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

6/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Improper collection practices Should be illegal I took out a loan for $600 dollars only to find out that I would have to pay back $2700 dollars before my loan would be paid back in full. This payback amount was no express to me one time over the phone, she only told me i would be paying back $180 every 2 weeks. I know there are a lot of fake reviews on this site about this company FROM THE COMPANY, but any real person knows that, no one in their right mind would accept a loan with these terms unless they are hidden. I spoke on the phone with one of the Supervisors and she told me If i paid the loan back in FULL in ONE PAYMENT then that would really reduce my rate. Who in the hell takes out a loan and pays it back IN FULL? If i had the money to pay back in FULL i would not have needed to borrow the money to begin with. I really hate and despise this company and their practices. They go after people with bad credit and who are in bad financial times and get them hooked into their system without going over the real issue that we will have to pay back an out of the world interest rate. I have already made 4 or 5 payments of $180 and none of that has been applied to my original loan of $600 dollars. I borrowed $300 from ACE CASH and the payback amount was $350. These people are legally stealing money from average everyday people who are just looking for a break to get them to the next check. I literally hate this company and everything is stands for.

Desired Settlement: I need NORMAL terms. Tell me whats the interest rate on a $600 dollar loan and a payback of $2700, that is unheard of, Take what i have paid out of my $600 balance.

Business Response: Initial Business Response /* (1000, 5, 2014/05/19) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response.

5/23/2014 Advertising/Sales Issues
5/23/2014 Delivery Issues
5/19/2014 Delivery Issues
5/12/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Loan processed over phone/email and never received the loan paperwork until after the 3rd payment when I called to inquire about how they apply I made a loan with this company in Sept 2013. I was told that I would make biweekly $120 payments towards the loan and not that the payments would equate to over $2000 for a $400 loan. After paying $360 to the company when I called I was informed that none of the payments I made to the company applied towards the principal balance and that I still owed $400 to them as well as if I wanted to pay the loan off I'd have to pay 16 payments of $120 OR pay more than $120 per payment to get anything over the $120 to apply towards the principal. Now I have some locator guy calling me and waking me up trying to serve me some documents for a claim #XXXXXXX. I called the company they told me has the claim called "Accurate" They told me to stop this claim i needed to pay AWL another $500. It was a $400 loan, not a $850 loan. I refuse to pay anymore than $400 to them. Their representatives do not explain how the payments apply to the prinicipal and the paperwork for the loan looks like a standard payday loan paperwork. There wasn't a listing of how many payments etc on the paperwork. Also as I stated above I didn't get that paperwork until the 3rd payment was taken from my account and they were about to take the 4th. The supervisors I spoke with were not very nice and chided me about taking the loan if i wasn't going to fulfill the terms of the contract. This claim is supposedly because i defaulted on a loan. A loan that the terms were not clearly explained to me when I entered into the contract. After the 3rd payment was removed from my bank account I went to the bank and closed my checking account and established a new one. I will not pay them any more money than

Desired Settlement: I am willing to pay them an additional $120. That gives them $80 for interest on a $400 loan which is feasible. I want paper documentation that the loan is paid in full and I want my information removed from their Database as soon as it's paid. I want this companies "locator" to stop calling me every morning trying to serve their documents and telling me once the documents are served that I owe some astronomical figure of fees, etc.

Business Response: Initial Business Response /* (1000, 5, 2014/04/25) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response. Final Business Response /* (1000, 8, 2014/04/28) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** ****. As of 04/25/2014 the concern has been resolved.

5/12/2014 Advertising/Sales Issues
5/9/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They wont let me pay the bill with credit.there just take it out of my account.180 every two weeks.i just dont have it. loan #****** 3/24/14 $ 600 loan with them charging me 180 bi weekly for interest and wont let me pay it with credit.

Desired Settlement: Take my bill away or let me pay it with credit.

Business Response: Initial Business Response /* (1000, 5, 2014/04/23) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/04/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Ive talked to them at least 3 times with no results.and tried to pay them .but they wouldnt take credit Final Business Response /* (4000, 9, 2014/04/25) */ We are in receipt of complaint #********. All conversations with Mr. ******* ****** were prior to the attached complaint. We attempted to contact Mr. ****** and left messages. However, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response.

5/5/2014 Advertising/Sales Issues
5/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This company has collected $750 dollars for a $500 payday loan and says the $750 is interest for a two month loan. A stop payment has been issued. Repayment was $150 every two weeks from my bank. The terms that I was told that it would be $500 and interest of $130. After payments equal to $750, they are trying to collect more. I have issued a stop payment through my bank and they are still trying to collect more money.

Desired Settlement: The settlement I am looking for is to stop the calls to my job, home and the threats.

Business Response: Initial Business Response /* (1000, 5, 2014/04/30) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. **** *******. As of 04/30/2014 the concern has been resolved.

5/2/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Was told was paying loan back in increaments of $120 bi monthly. Was today that was only paying the principle loan have paid a total of 480 as of tomorrow. Was told total loan was $480 and now am told it is $520. They did not send me a contract to sign or anything as I requested in the mail. Thinking it is a giant fraud at this point in time. Product_Or_Service: web loan Account_Number: ******

Desired Settlement: DesiredSettlementID: Other (requires explanation) Would like debt settled according to terms agreed upon origionally

Business Response: Initial Business Response /* (1000, 5, 2014/04/18) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response.

5/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Obtained a $500.00 loan from American Web Loan 12/6/2013. None of my bi-weekly payments have gone towards my loan amount. Obtained a $500.00 loan from American Web Loan 12/6/2013. Since 12/27/13 I have paid $150.00 every two weeks, total of $1,200 in which $0 have gone toward my original loan. As of 4/4/2014, I still owe 500.00. When I called customer service they said they were charging me 30.00 per 100.00 and that I had chosen to just pay interest only. This payoff agreement was never explained to me in these terms. Anyone in there right mind would not agree to pay 150.00 every two weeks and not pay down their loan. I also found that in this company is not licensed in Kentucky and the max they can take in finance charges is 17.65 per 100.00. I want my 1200.00 back and to be marked as paid in full with this company due to illegal practices.

Desired Settlement: As of 4/4/2014, American Webloan has taken 1,200 from my account. I am seeking a full refund.

Business Response: Initial Business Response /* (1000, 5, 2014/04/08) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/04/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) My issue is stated in the complaint. I contacted American Web loan on 4/4/2014, via phone and was told that this is how i set up my payment and was not offered any resolution. I was never told when I opened the loan that my bi-weekly payment were not being applied to my principle balance. I was told that I need to pay the 150.00 bi-weekly that is it. American Web Loan is charging me 30.00 per 100.00 borrowed. The max they can charge me is 17.66. I want my 1200.00 back and to be marked as paid in full with this company due to illegal practices. I have not received any voice messages from American Web Loan. I also found that in this company is not licensed in Kentucky and the max they can take in finance charges is 17.65 per 100.00. I want my 1200.00 back and to be marked as paid in full with this company due to illegal practices. Final Consumer Response /* (3000, 16, 2014/04/16) */ American Web Loan contacted me to offer a settlement. They offered me $400.00 which is not acceptable. She indicated that the nature of their loans are set up as interest only payment unless you pay you loan off in full on first due date. I was not made aware of this at the time of agreement.I will accept 700.00 to settle. I can agree to pay original loan amount of 500.00, 700.00 is the difference of the 1,200 they have taken out of my account. Final Business Response /* (4000, 18, 2014/04/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** *****. As of 04/18/2014 the concern has been resolved.

5/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I accepted an installment loan offer from company but they are a predatory pay day loan company instead. On january 23, 2014 i accepted installment loan. Was supposed to may monthly payment of $120.00. Instead this company began taking money from my account every two weeks. I paid $120.00 for 4 weeks. But each time my account did not reflect any payments made. As of 4-4-2014 I now still owe $400.00 as if I never paid anything. I feel they misreprsented themselves. Installment loans are not payday loans. I stopped payment with SunTrust Bank for all future payments. ****** is my account # with this company. They have contacted me at work and home on numerous occasions.

Desired Settlement: I feel I owe this company nothing because of the misrepresentation.

Business Response: Initial Business Response /* (1000, 5, 2014/04/09) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/04/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have stated my concern about this company. I have paid $480.00 which should be sufficient for a payday loan. They took $120 from my checking account every two weeks until payment was stopped. Due to excessive payment, I stopped payments. Payday loans should not be this expensive. I checked with local payday loan companies in my area and for a $400 loan, the max payback is $78. I feel I have paid this. An installment loan is totally different as I would not have made bi-weekly payments but a monthly payment. Final Business Response /* (4000, 9, 2014/04/18) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******. We have left messages three times via the phone number provided on the Complaint. In addition, we also sent Ms. ******* an email including our contact information. We are available to discuss any issue and/or complaint she has with American Web Loan. We can be reached at ***********************. Our hours of operation are 8:00a.m. to 5:00p.m. CST Monday through Friday.

5/1/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Failure to disclose loan information, harrassing phone conversations, not following written direction, or providing confirmations. Took a payday loan from american web loans, after research realized this is illegal in the state of Connecticut, I received the loan at ($700) 8:00am 4/29, I paid it back 5 hours later, AND paid an extra $2 in the processing fee. When I sent them emails to not deduct any money from my account as I paid it back way before the maturity date, (oh they also never sent me a confirmation email of my payment). They then called all my numbers I provided when I specifically told them in writing only to contact me through email, to proceed to tell me my loan was in default?!?! what? a loan I paid back in 5 hours was in default? oh and this is illegal!. So I called them, was transfered around 5 times, until I got a woman who said I still owe the $210 in "fees", I said this is illegal and she responds "well if you knew this was illegal, why did you apply for a loan with us", what?!?!?! OK so she admited what they were doing was illegal!!! I was going to just pay the $210, so I wouldnt have to deal with them anymore, but she came back and said "I will write this off, but you can never do business with us again!" before I could get a word in she hung up. How do I know this is resolved! I want something in writing confirming this, I will be sure to never do business with them again!

Desired Settlement: All I want is in writing/email from them that my account has been paid in full and closed. From one of their customer service reps mouth, I agree not to do business with them ever again, as that extra "$250" fee is written off. I also want confirmation that my loan was paid and debited that same day. I never got a confirmation email that they PROMISE on their website when you pay it off.

Business Response: Final Consumer Response /* (3000, 6, 2014/05/01) */ I have received confimration from the business that my account is paid in full, I consider this complaint closed

4/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have been paying on a 400 dollar loan. I have already paid 1080 dollars and still Have a 400 dollar balance. Delivered false info and is committing fraud. They are charging over 1500.00 dollar interest on a 400.00 loan and do not state that upfront. The company takes money from your account on a bi-weekly basis but does not go to the principal. they give you three options but only tell you the one option upfront that could make you pay up to 1920.00 for a small loan. I did not even know they were still taking money out until I changed bank accounts and there collections called me. I realized that I have already paid $1080.00 and was told my balance is still $400.00 and that I still had 7 more payments of $120.00 Wow how can this be legal by any means.

Desired Settlement: I now understand that I have been had. I believe that I should receive some of this money back. If I would have known that the loan had this outrageous repayment terms I would not have ever taken it no matter what the circumstances that I needed the money.

Business Response: Initial Business Response /* (1000, 5, 2014/04/17) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response.

4/28/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I received a loan that I never authorized and they are taking money out of my account I never knew of this until today they have all my info illegally I went online looking for car loans and filled out my info this company amwebloan llc put a loan of 400 in my name off of the information that was sent to them I went to my bank to find out what these 120 deduction where and that's when I found out that they illegally signed me up for a loan and now want me to pay back 2000 for 400 I have no knowledge of this company or would ever get a loan for 400 and would of never authorized a 792.percent payback

Desired Settlement: they need to stop taking money out of my account and take this loan that I did not authorize out of my name and of my credit

Business Response: Initial Business Response /* (1000, 5, 2014/04/09) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response.

4/28/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: American Web Loan company is making false claims against and I was called before 8am on 3/14/14 @ 7:32am and on 4/17/14 @ 7:53am. American Web Loan located in OK called on 3/14/14 @ 7:32am which I have saved in my phone, the rep that called was named ******* **** plus he called my employed and left a message on a recorded line for me even though I told I advised the company I was uncomfortable giving out my work #, but the gentleman that I applied for the loan with advised me they needed for verification of my employment. Then I was advised I can't call any 855 phone # from my cell phone which I told the rep this info on 2/28/14 @10:12am when I talked to him. They even advised that I refused to pay which I never said that and I asked for a supervisor on Thursday but the rep advised me they were not available. I understand that I owe the money but there I do not need anyone to make false about anything I said. I also left a message after hours on 3/25/14 to a rep named Barbara advised I will consult with an attorney because I almost got in trouble at work for the personal call, we are not allowed any personal calls @ work unless it is an emergency which this was not. I had to explain to my human resources supervisor why this company left an urgent message on my phone #. This was not an urgent matter per human resources or myself. I advised them of what went on. I also advised the rep I spoke named ******** on 3/19/14 and 3/21/14 of the fdcpa violation and that needs to be addressed. I talked with a supervisor named ******* yesterday and she agreed to a settlement of $380.00. I have spoken with a collections attorney and he advised they should be more willing to settle for a lower amount due to the FDCPA (attorney can confirm the 3/14/14 call because I saved it in my phone). I have never said on any call that I was not going to pay but I wanted to speak with attorney which I advised the rep on 3/21/14 and also 3/25/14 therefore I did contact them on this. Per attorney they can't say that I am not willing to talk with them because I have talked them at least 4-5 times and never hung up on them. Every time they called me, I was given a 855 number which I told the first rep I talked to, my phone will not let my dial that #. I found a 800 phone number via the text messages they sent me. They can listen that call if they did not believe me This is about a(n) Debt collection: Payday loan Which of these best describes your issue? Communication tactics: Called outside of 8am-9pm Where did you get the payday loan Online Desired resolution What do you think would be a fair resolution to your issue? I am willing to do a settlement of $300 once I file taxes later today, I should receive it in about 14-21 days as long as the IRS accepts my return. I may receive it sooner but based on what I was advised by ************** (they do my taxes every year) because I am filing my taxes later this year, it could take longer. I am not comfortable giving them my debit card but as long as we can agree on that settlement in writing, I can do it once the money is deposited into my checking account. I am unable to do anything until them which I advised them of this yesterday. I even received calls on 4/17/14 even though I had arrangements set up. They kept claiming I am not returning their calls but I have the save times in my phone to prove it. I already paid them $120 back in January and will pay the remaining balance of $300 for a total of $420 to settle the account.

Desired Settlement: I want the settlement in writing for $300, I have spoken with an attorney and he states several people complained to him about American Web Loan. This company has violated my consumer rights and if this continues, I will have to take legal action. I was called twice before 8am which is a clear violation plus being called 3 times on 4/17/14. I have recorded a few of their calls so if I need to take legal action, I will do so. I just checked the ratings for this company and they are horrible. Per the attorney I spoke with, I was advised to submit a BBB complaint and FTC complaint.

Business Response: Initial Business Response /* (1000, 5, 2014/04/23) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ********* ******. As of 04/23/2014 the concern has been resolved.

4/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: on 12-5-13 i borrwd $400 frm AWL they have since taken $840 from my bank stating that was for interest i still owe the loan i spoke with rep on 4-2-14 asking why they were still debiting my bank account i was inform that i still have an outstanding loan of $400 and the interest of $840 cannot be transferred over to the loan that was just to make sure the loan dont default. so now i am being asked to pay over $1200 for a $400 loan i took. this has cause my bank acct to be over drawn and nsf fees for other bills.

Desired Settlement: i am requesting that AWL refund me back the excess of what they took plus the bank fees they have caused which total over $240. i am will to pay back the $400 they loan me.

Business Response: Initial Business Response /* (1000, 5, 2014/04/08) */ We are in receipt of complaint #********. We attempted to contact Ms.******* *********, however, we have not heard back from Ms. ********* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/04/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) i have never been contacted by american web loans, i spoke with an associate there on 4/2/14 and explain my situation and concern. i also ask rep to stop auto draft but on 4/4 they took another $120 from my bank account that's a tota of $960 for a $400 loan, and still no contact from company. i would like to know when and how they have contacted me. Final Consumer Response /* (3000, 20, 2014/04/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am still awaiting a copy of my contract or terms and agreement that was promised to be emailed to me on April 10th Final Business Response /* (4000, 22, 2014/04/24) */ We are in receipt of complaint #********. As requested from Ms. ******* *********, we have once more sent the Agreement to the email address on this complaint. Since all known issues and/or complaints were addressed in our conversation with Ms. ********* and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions.

4/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Recived a call on my cell stating that I was getting served in regard to breach of contract and fraud on behalf of American Web Loan. In Ponca City OK I recieved a phone call on 03/31/14 at 12:22pm on my cell phone. At the time I was at work. The women on the phone asked me that she was looking for a **** *****. I told her that this was not my name but i've been recieving phone calls for years looking for this person, THIS IS DEFINATELY IDENTITY THEFT. She then tried to confirm the last 4 digits of my SS# which was wrong at first then she switched the numbers which turned out to be the actual last 4 digits of my SS#. She said I was in persuit and I will be getting served at my place of employment and my address on file however did not confirm either addresses. She then gave me a phone# I could call to resolve the problem(866) 247-0920. I had NO IDEA WHAT SHE WAS TALKING ABOUT. I called the number and a person named *** from ****** on behalf of AMERICAN WEB LOAN said I am in breech of contract and have comitted faud from a loan I took out on JUNE 10TH of 2013 for $400 with AMERICAN WEB LOAN. I told him that I HAVE NEVER HEARD OF THIS COMPNAY,I HAVE NEVER TAKEN OUT A LOAN WITH THIS COMPANY, I HAVE NOT SIGNED ANY CONTRACT, NOR HAVE I RECIEVED ANY MONIES. He basically ignored me and asked if I was interested in resolving/settling the issue. I told him that I never signed a contract nor recived money so I don't owe anything. SO if I don't owe anything why would I settle for anything???? He then told me since I am REFUSING TO RESOLVE THE ISSUE THAT I AM ACCUSED OF FRAUD AND BREECH OF CONTRACT AND WILL HAVE TO APPEAR IN COURT. He also stated that the new payment due was for $1240. I HAVE NO IDEA WHAT THIS PERSON IS TALKING ABOUT. I ALSO TOLD HIM THAT I AM A VICTIM OF IDENTITY THEFT. HE ALSO STATED THAT HIS COMPANY WILL BE CONTACTING MY EMPLOYER TO LET THEM KNOW THAT I HAVE COMITTED FRAUD AND BREECH OF CONTRACT.

Desired Settlement: I WANT MY NAME AND INFORMATION OFF THEIR FILE OFF EVERYTHING. I HAVE NO IDEA WHO THIS COMPANY IS NOR DO I OWE ANYTHING. THIS IS IDENTITY THEFT. I HAVE NO IDEA WHO THESE PEOPLE ARE. THESE PEOPLE NEED TO BE PROSECUTED. I HAVE CONTACTED MY BANK, CREDIT REPORT AND EMPLOYER.

Business Response: Initial Business Response /* (1000, 5, 2014/04/07) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *****, however, he/she declined to speak with us concerning why he/she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. Ms. ***** can reach us at ************** Ext ****.

4/21/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Loan conditions were mis-represented by rep. A yearly interest rate of 812% cannot be legal?? Took a $900 'pay day' loan from them. Was told by rep *********** ****** that loan required FOUR payments of $270.00 bi-weekly deducted straight from bank acct upon my authorization to be paid in full. I called to make arrangement for what I thought would be the third of four payments to be told that I was only paying interest and that the principle had not reduced at all. I was then sent a statement of loan conditions that I had never seen before and if I had would NEVER have agreed to. It stated that I would be paying $270 biweekly fr 7 months...a total of over $4000 on a $900 dollar loan!!! This cannot be legal? I never would have agreed to this!. This is outrageous!! How can this be legal??? I am just sick over this!

Desired Settlement: I want this loan to be thru after the four payments I expected to pay. I never agreed to loan conditions that were sent to me after inquiry. I think that repaying a loan of $900 with $1080 should be sufficient, since repaid in less than 2 months. I absolutely cannot afford to pay any more as my teaching contract has ended and I do not have any additional classes scheduled at this time. Please let's settle this so that I can get on with whatever is left of my life!

Business Response: Initial Business Response /* (1000, 5, 2014/04/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** *********. As of 04/08/2014 the concern has been resolved.

4/18/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I applied for a loan and received 700.00 i have paid over 600 dollars to find out that I stilled owed the 700. Even though I have paid them at least 600.00 towards the loan it was only a finance fee i am being told. I would like them to settle this loan out since i have already paid them at least 90% of the loan. They are stating that i still owe them 900.00. I would like them to settle this loan for 350.00. I think that the information is not explain correctly and the give you false information on the loan.

Desired Settlement: Even though I have paid them at least 600.00 towards the loan it was only a finance fee i am being told. I would like them to settle this loan out since i have already paid them at least 90% of the loan. They are stating that i still owe them 900.00. I would like them to settle this loan for 350.00. I think that the information is not explain correctly and the give you false information on the loan.

Business Response: Initial Business Response /* (1000, 5, 2014/03/28) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** ********, however, we are unable to reach him to determine why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. Mr. ********'s recording says his voicemail box has not been set up yet. If we are able to reach Mr. ********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/03/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was not reach. American Web Loan has my email address and Phone number. I feel that this is an excuse not to resolve the matter at hand. any other time they would send me an detailed email if they could not reach me by phone. I am not understanding why they would not do the same when they are trying to resolve a matter with me to close out this account. I feel that it is an excuse to try and charge me more money are place this into an outside collection agency and try to mess up my credit.I feel that they should be able to amend my response via email since their original contract with me was done via email and not over the phone. Their has to be some fairness with this company , if its ok to only contact me via email with your contract then it should be ok to contact me via email with your response. I will submit another complaint if need and also contact the attorney general. I have asked this company several times to settle this matter with me due to low income they have just suspended payments instead of giving me a settlement to pay this debit off. They were very misleading in their contract and i feel that they should be able to send me a settlement for this debit through the bbb. Because knowing their motives they are not going to allow me to settle they are going to try and bully me like before and refuse to settle this account. that is why i have asked the bbb to get involved this is not the first time i have requested or advised of the issues at hand. I would like them to agree to a settlement with me through this line of communication through the bbb because of this companies bullying motives. Final Business Response /* (4000, 11, 2014/04/04) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** ********. As of 04/03/2014 the concern has been resolved.

4/18/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Jan 2014 I called and was approved for a loan in the amount of 400.00. I was told 5 payments a $125.00 loand fee would be 175.00. I have called the company they told me I have 46 paymetns at 30% percent rate that my payout would be $400.00. I have all ready paid them back $625.00 with the amounts changing each week and dates. Then I called back and was told payment would be over $5,520.00. I understand this was high risk loan. I dont want to stop the payment's becuase of calls to work or some one comming to my house. I pay my bills.. They never sent me documents, My online account is all ways locked and no one can tell me how to pay this acount off. Please help thank you

Desired Settlement: I was told fraude informatoin when they open this account. This contract has been paid.. Please help me get them to stop / close my account.

Business Response: Initial Business Response /* (1000, 5, 2014/04/01) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response. Final Business Response /* (4000, 7, 2014/04/04) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* ******. As of 04/01/2014 the concern has been resolved.

4/18/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This company does not reveal all details of this loan process loan for $400 require payback of $1,320. must be a way to retrieve some of monies back. applied on 1/10/14 for 400.00 loan as of 3/24/14 have paid 720.00 on my loan#****** requested pay off amount was advised if paid off with in 3day additional 400.00 which I have done, total of 1.120 for 400.00 loan is this legal? was pay day loans not find for such high interest rates, should they not have to provide you detail and interest in writing of some sort?

Desired Settlement: am seeking settlement for at the least of interest I was charge as was not honest in providing all information in a lay mans terms, this company takes advantage of those who credit rating is not where it should be, which does not give them the right to take advantage of someone.

Business Response: Initial Business Response /* (1000, 5, 2014/03/26) */ We are in receipt of complaint #********. We attempted to contact Ms. **** **********. However, based upon all identifying information, the name the consumer provided to American Web Loan is Ms. **** **********. Ms. ********** or ********** declined to speak with us and did not advise us of her future availability concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to speak with Ms. ********** or **********, we can amend the response. Final Business Response /* (4000, 8, 2014/03/31) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. **** ********** or Ms. **** **********, the name she provided to American Web Loan. As of 03/31/2014 the concern has been resolved.

4/7/2014 Delivery Issues | Read Complaint Details
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Complaint: I was.made to believe or fast talked into thinking this would be paid off in early march I got the loan right before Christmas and the way the woman explained the contract was id receive 400.00 and make 4 payments of 120.00 therefor paying 480.00 back. I go to the loan Web page after each payment and it keeps saying I owe the original 400.00 after this week I'll have payed 720.00 with no end date in sight.there trying to.make me pay nearly 2000.00 for 400.00. When you apply for the loan they call you and talk really fast thru details say you got it and THEN your sent the details.all I want is for them to stop taking money I've already payed back nearly twice.

Desired Settlement: Just stop call the loan repayed and anything taking out after this Thursday will be related.

Business Response: Initial Business Response /* (1000, 5, 2014/03/26) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ****** ********. As of 03/26/2014 the concern has been resolved.

4/7/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I borrowed 1200 dollars from American Web Loans and did not recieve accurate inforamtion on the payback other than it would be $360.00 bi weekly I thought from talking to there customer service that it would be 360 every 2 weeks when in fact it is 360 for 14 pay cycles. this is ridiculous. Why would I pay over 4000 in finance charges for a $1200 loan. Very decieving and inappropriate to try and charge this and I would like full resolution.

Desired Settlement: I would like the loan to be considered paid in full since I have paid $1444 back to them on a $1200 loan that was made in early february. I never missed a payment and have satisfied the loan.

Business Response: Initial Business Response /* (1000, 5, 2014/03/25) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* ****. As of 03/25/2014 the concern has been resolved.

4/1/2014 Problems with Product/Service | Read Complaint Details
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Complaint: This company has been having a 3rd party company call my mothers cell and harrass her, they are sending people to my house claiming iowe 980.00 This company has been sending harrassing workers to my home, threatning to come to my housr and serve me. I dont owe anything, they said this alleged loan is from 10/2012 and the 3rd party says they got the file on their desk on wed march 12, 2014. They are calling my mother who is disabled and elderly from a************* number-the name given is a ***** ****** and the other numbers are:************ and ************. They have even been emailing claiming they are a employment temporary service-these people are indian.

Desired Settlement: I want them to stop harrassing and sending people to my home and stop calling my mother as this is not a legitimate claim

Business Response: Initial Business Response /* (1000, 5, 2014/03/20) */ We are in receipt of complaint #******** for Ms. ********* *******. However, based upon all identifying information, the name the customer provided to American Web Loan is Ms. ********* *******. We attempted to contact Ms. *******/*******, however, we have not heard back from Ms. *******/******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******/*******, we can amend the response.

4/1/2014 Problems with Product/Service | Read Complaint Details
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Complaint: $500 loan that I am to pay 700% interest or a total principal plus interest of $2450.Not good--extremely exorbitant rate.Terms not explained clearly. Loan #******. I borrowed $500 online in 12/24/13 with the understanding I would begin making payments of $150 starting in January through auto-deduction from my checking account. I received the $500 and begin making payments of $150 January 15th. I have made $150 payments 1/15, 1/30, 2/15, 2/28, and 3/15. I was thinking I was done, and really didn't even think the last payment would be $150--that is a total of $750 and is well over what payment would be even to a payday advance company.

Desired Settlement: I would like further payments stopped and my account settled. I would also like to see the total I paid to be $500 principal plus $65 interest, or $565 rather than $750+ already paid, which is line with my expectation of terms of a payday advance company.

Business Response: Initial Business Response /* (1000, 5, 2014/03/20) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ******, we can amend the response.

3/26/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Final payment was made via money order and harassing phone calls continue. The phone calls have become threatening. Reference #****** I mailed a ************* money order via certified mail to close this account. I have made numerous phone calls to **** ******* and have left several messages to cease any further contact with me. He is calling my place of employment and speaking to the receptionist in a harassing and threatening manner after she has informed him numerous times that I was not able to receive personal calls while at work. I have left specific times that American Web Loans (**** *******) can contact me via my personal cell phone. This has become harassing and is illegal per the Fair Debt Collections Practices Act. I have receipts of the money order as well as the return acknowledgment showing the money order has been received at their office. This matter is also being sent to the Attorney Generals office for further review.

Desired Settlement: I want confirmation sent to me showing this account is closed and no further contact from American Web Loans.

Business Response: Initial Business Response /* (1000, 5, 2014/03/25) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ******* ***** and offered a resolution that we felt was fair to both the consumer and our business. We are still awaiting for Ms. *****'s follow up. Let me know if you have any further questions. Initial Consumer Rebuttal /* (3000, 7, 2014/03/26) */ 3-25-2014, ****** with American Web loans called and left a message on my cell phone requesting receipts of payment made. I scanned copy of ************* money order and the return acknowledgment from the certified letter showing proof of service. I then emailed receipts to customerservice@americanwebloan.com attn. ******. I have also requested that all further communication is to cease.

3/25/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Advised I was taking out a $400 loan and that total of 4 payments would be required in the amount of $120 each. 10-16-2013 I received a $400 loan from AWL and the representative on the phone made it seem as if the payment each pay period would be in the amount of $120. She notified me that I would have to make that payment 4 times which would in turn pay off my balance. Here we are in March, 2014 and I am still paying $120 per every 2 weeks. I have paid a total of $1200 (10 payments of $120) with another scheduled payment to be withdrawn from my account 3-14-14. Anytime I log into my account only I notice that my principal balance is still at $400 and hasn't moved. This was not what was conveyed to me by the sales rep. Anytime I call I seem to get the same answer and brushed off. I don't feel that I should be having to make anymore payments seeing that I have paid triple the amount that I requested. This is higway robbery, and they as a business just turn the other way when I try to express my concern and act as if they do not want to work with me on this. I didn't mind for a while and actually can't believe I waited this long to file a complaint. I will never do business with this company again and will definitely spread the word about how they mislead you when explaining the loan terms.

Desired Settlement: I would like to receive some kind of payments back for the massive amount of overpayments that I've made. And I would not like to have payments deducted from my account anymore. I want this to be done with. As it should have months ago.

Business Response: Initial Business Response /* (1000, 5, 2014/03/13) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

3/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The Director for my department at my work, was contacted and threatened, which puts my job in danger. My complaints started over a year ago I do not have the date. The last two calls were made to my work in Jan.2014 and today March 10, 2014. I was called by a **** *****, identifying himself as a Private Locator for AWL, I was not in the office so he asked for my Director who in turn notified me of the threat that "things could get ugly" if I do not allow them to serve me with papers. These papers have been threatened to be served for over a year, they have my address, why don't they just deliver them and get it over with. They (AWL) have used approximately 3 different locators and each one finds my phone number to harass and threaten me every hour on the hour. My personal phone number is not available for them to call so now they are calling my job.

Desired Settlement: To just stop calling my Director at work, if I am unemployed I can't pay anyone.

Business Response: Initial Business Response /* (1000, 5, 2014/03/12) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** ****. As of 03/12/2014 the concern has been resolved directly with the customer.

3/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have been receiving phone calls from this company for an account that has been disputed. They call at least once a day, and are now threatening. I took out a loan with the company American Web Loan in Nov, 2013. Account # ****** in the amount of $900.00. I was making regular payment to them, and when I checked my balance thinking that I was almost paid in full. Imagine my surprise when contacting the company they told me that no of the $810.00 I had paid to them so far actually applied to my loan. I was all what they called renewal fees. I told them that was not what I agreed to, I was made to believe that this was an installment loan. With a portion of each payment going toward the balance. I stopped payment to them with my bank and no receive multiple calls from them everyday. They are usually very aggressive in nature, and they have now stated that they intend to contact my employer. Which could of course cost me my job. I have since found out that they are a scam payday loan lender, which is actually illegal in the state of Pennsylvania, and I will be filing a complaint to the Pennsylvania Department of Banking in regards to this company.

Desired Settlement: I want this company to leave me alone, and stop threatening me. I have also been told that because they acted in a fraudulent manner, I could be entitled to all monies paid to them being returned. I think that other people in my state should be made aware that what they are doing is in fact illegal, and should be stopped. No one should be a victim of their predatory lending practices.

Business Response: Initial Business Response /* (1000, 5, 2014/03/19) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ***** ******. We offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ****** did not accept our good faith offer or provide a counter offer. Let me know if you have any further questions. Initial Consumer Rebuttal /* (3000, 7, 2014/03/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did speak with a representative of the company and they told me I would have to pay an additional $370.00 in order for the loan to be considered paid in full. The representative did not in any way address the issue of the harassing phone calls or the threats to contact my employer. She also did not acknowledge that this account has been disputed formally, with a request for any all contact be in a written form. When I stated that I had not heard from the Attorney Generals office from my state in regards to their legal rights to issue loans in my state, her response was simply to state that I was being uncooperative and she would notate the account as such. In conclusion I feel that their response to my complaint has been completely inadequate, and has failed to address the core issues. Final Business Response /* (4000, 9, 2014/03/21) */ We are in receipt of complaint #********. We attempted again to contact Ms. ***** ****** regarding why she has any issue and/or complaint with American Web Loan. Previously we spoke with Ms. ****** and offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ****** did not accept our good faith offer or provide a counter offer and we have not heard back from Ms. ******. Let me know if you have any further questions.

3/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Violation of cease and desist letter, illegal collection practices. Took a loan with this company. Repaid the principal to them. Do not agree with excessive fees and charges. Sent previous cease and desist. Family, work and friends have since received calls from collection companies working on their behalf. Very clear FDCPA violations.

Desired Settlement: Honor ceast and desist immediately. Not paying this company another dime. If they feel I owe then they can sue me in a non tribal court with applicable jurisdiction. Any more FDCPA violations I'll contact my State Attorney General and/or file suit in state/federal court to include all attorney fees and damages.

Business Response: Initial Business Response /* (1000, 5, 2014/03/07) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ****, we can amend the response.

3/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I HAVE RECEIVED SEVERAL CALLS AT MY WORK NUMBER, AND EACH TIME, I ADVISED THEm I CAN NOT RECEIVE CALLS AT WORK. I HAVE RECEIVED SEVERAL CALLS AT MY WORK NUMBER, AND EACH TIME, I ADVISED The caller that I CAN NOT RECEIVE CALLS AT WORK. WHILE I UNDERSTAND THERE IS AN OUTSTANDING DEBT, i have asked thm to not call my job. MY OTHER CONTACT INFORMATION IS CURRENT AND I CAN BE REACHED AT MY HOME number, which this company has. they also contact me several times a day via my cell phone, at least 3. i have spoken spefically with *********** ********, who is extremely rude. several times, she has placed me on hold for long periods of time, she pick up the phone receiver, but then place the call on hold immeieately, or, have on of her nearby coworkers answer my call(i assume she has caller id)

Desired Settlement: id like my work numBer to be removed from information i have with this company. again, my home telephone number they have on file is valid. the number im requesting removed is ************. thanks

Business Response: Initial Business Response /* (1000, 5, 2014/03/06) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/03/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) the 'issue' is that im being called at my work number. again, PLEASE REMOVE MY WORK NUMBER, WHICH IS **********, as i cant NOT have calls at this number. Final Business Response /* (4000, 9, 2014/03/10) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ****** on the number provided on the attached complaint, we also have this listed as a home phone number. We have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. We can be reached at ************ Ext ****. If we are able to speak with Ms. ******, we can amend the response.

3/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company does not disclose loan percentage interest,misleads customers on loan repayment. I got offered a loan amount of $400.00.I was told the payment rate would be $120.00 for 6 payments,to cover the interests plus the principle. After payment of $360,the principle was not deducted.I contacted the company via 877-636-1353 ,the number on its website and i was told "Too bad.Either pay it all or we keep getting $120.00 from your account forever." I decided to find money and pay $520,$400 principle plus an extra $120 interest to avoid being charged the $120.00 forever. At this point,i will have payed a total of $880.00,over a 100% interest. This is a blunt lie,and a misleading practice.Granted i was in a financial crunch,but this is taking advantage of customers.

Desired Settlement: I would like a refund of the $ 360.00 Interest,due to the lies and misleading advertisement.

Business Response: Initial Business Response /* (1000, 6, 2014/03/05) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** *******. As of 03/05/2014 the concern has been resolved.

3/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This componay offered me a loan and has failed to provide loan documents as requested. I have taken out several loans and while speaking with the rep and on the website it indicates that the amount of the loan would decrease with payments however I have not found this so they have taken several 120 payments but the 400 loan amount has not decreased. when I asked for loan documents showing I agreed to this I have been refused. I have no problem repaying the 400 plus 100 for interst but I think they have gone overboard.

Desired Settlement: repayment of the amount of the load and an accpable amount of interest which I feel should not exceed 500

Business Response: Initial Business Response /* (1000, 5, 2014/03/06) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. Final Business Response /* (1000, 7, 2014/03/06) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ****** ********. As of 03/06/2014 the concern has been resolved.

3/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They failed to send me the contract as requested several times. As of today, 2/25/2014 I received a call on my job from ****** ******* speaking aggressively and trying to belittle me over the phone. The $600.00 loan was repaid with interest. I was told that they could take up to 16/18 payments of $180.00 from my account unless I wanted to pay the $600.00 loan back in one lump sum. I informed they had already received their money back from my account. They are harassing me on my job and I would like for that to stop immediately. What can I do?

Desired Settlement: For them to stop contacting me and accept that they have been paid back already. Leave me,my account/job alone.

Business Response: Initial Business Response /* (1000, 5, 2014/02/27) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ***** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/02/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) Please see below for the response from the AWL via email to me. If I read the email correctly, AWL will no longer pursue additional funds from me and the case has been closed. Can you please confirm that this is the case? Thank you Dear Ms. ***** *****, Thank you for your recent correspondence. We have closed your account with American Web Loan on 02/26/2014 and consider it settled in full. Your Loan ID is ******. Our Resolution Department is available at ************** Ext. **** from 8:00am. to 5:00p.m CST. Thank you, ****** American Web loan Resolution Specialist Phone: ************ Ext **** Fax: 855-275-9717 All lenders are not created equal Final Business Response /* (4000, 9, 2014/03/03) */ We are in receipt of complaint #********. We sent a response via email to Ms. ***** ***** *****. We offered a resolution that we felt was fair to both the consumer and our business. Let me know if you have any further questions.

3/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: AWL misrepresented the terms of the loan, and fraudulently overcharged us. On 12-13-2013 we applied for an 'E-Loan' from American Web Loan. We were told we could borrow up to 1,000, but we only needed four hundred. After the first four payments, we were sure we had paid the loan off, four payments of $120. When a 5th payment was taken from oour bank account, we contacted AWL, and were told we had paid NONE of the balance, that $120 dollars was pure interest and did not effect the principal balance. We found this to be absolutely preposterous. AWL's explanation was that 'we know we have to talk very fast...' however, the terms and conditions of this loan are SO obtuse that no person with a sound mind would ever possibly consider agreeing to them. AWL took advantage of us by fraud, and we will be pursueing relief in court.

Desired Settlement: Since our account was accessed without our consent, and money basically swindled from us, we would like our $120 overpayment refunded. Also this has caused us re-adjustment of fifnancial payments we will seek restitution.

Business Response: Initial Business Response /* (1000, 5, 2014/03/04) */ We are in receipt of complaint #********. We attempted to contact Ms. ********** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

3/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Was improperly informed initally on payback terms. Was improperly informed initally on payback terms. I needed a payday loan back in December of 2013. I talked to someone who help me setup a loan for $400. They told me my first payment would be 120.00 for interest and then all the following 120.00 payments would go towards my principal balance. They said they were setting up my payments online as we were speaking and I thought that was it. Two weeks later 120 came out directly from my checking as expected. Today 3/05/14, I went on their website only to see my balance was still 400.00 and upon calling them I was ignorantly informed the 120.00 they were taking were all extension fees and none of that money was going towards the principal balance. I explained I was not made aware of this and was confused and would never agreed to terms if the were made clear. I told them I felt ripped off and that they need to properly inform people of exactly what they are getting themselves into. It's a sad experience for people who need money quickly and are taken advantage of. My account number with them is ******. The loan was taken out on 12/18/2013. I have given them 4 payments of 120.00 and the principal balance is still 400.00.

Desired Settlement: I would like them to dissolve my account and accept previous payments as completion of my agreement.

Business Response: Initial Business Response /* (1000, 5, 2014/03/07) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** *****. As of 03/07/2014 the concern has been resolved.

3/13/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Debited from my account without providing any information on the payment schedule. Took out a $600 loan. I had a payment schedule of $180.00 every other Friday. After 5 payments, I opted to pay my loan in full thinking it was another payment of $180.00. The company then debited $780.00 for my account. After talking to a representative, I was informed that payment was to cover the entire loan and interest. I asked what the other 5 $180.00 payments were and he said interest. So I paid $1080.00 in interest to top the $600 loan. I told him that I never received a payment schedule and was unable to obtain a payment schedule via their website. The representative was unresponsive in getting me any kind of document showing where I agreed to such a large interest rate.

Desired Settlement: I agreed to a loan of $600.00 and an interest of $180.00. However, I paid $1680.00 in total payment. I would like to be refunded for $900.00.

Business Response: Initial Business Response /* (1000, 5, 2014/02/26) */ We are in receipt of complaint #********. We attempted to contact Ms. *** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

3/13/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Terms and conditions of the loan were not fully disclosed. I was not advised of exhorbitant interest rate and that payments would be triple the loan. I wish to file a complaint against American Web Loan for not disclosing the terms of my loan. My account number is ******. At the time when I took out the loan it was an emergency situation. I took out the loan in the amount of $600 in October 2013. This is an internet loan and when the representative from American Web Loan called to provide approval, the terms of the loan were told to me over the phone. The representative of American Web Loan advised that the contract would be sent to me via email. I never received this agreement. The representative explained that my payments would be withdrawn from my checking account beginning in November in the amount of $180 every two weeks. To date I have paid $1,440 for a $600 loan. The next payment to be deducted will be Friday February 21, 2014. I recently went online to view my account to see when my loan would be paid in full. I was shocked to see that none of my payments have been applied to the loan and that the principal was still $600. The website does not list payments made, it only shows the principal balance of $600. It does not show any information about the loan other than my account number, date of the loan, and amount. Upon viewing this information, I called American Web Loan. On Tuesday February 11, 2014, at 8:11 pm I spoke with a representative by the name of ****. I asked **** to explain why none of my payments had been applied to the loan. She said that when I took out the loan, I was advised that for every 2 weeks my loan was not paid in full, I would pay $180, a service fee and nothing would be applied to the loan. This was not explained clearly to me in October 2013. I asked **** the interest rate and was shocked when she advised that it was 770.91%. **** further explained that in order to pay off the loan, I would need to pay $780; $600 for the loan, and an additional $180 fee. She explained that by making the bi weekly payments, my loan would be paid off in May of 2014. That would mean I would have made 16 payments in the amount of $180 for a total of $2,880 for a $600 loan. At the conclusion of our conversation I asked **** to email me the Loan Agreement conditions as this was never sent to me. I also asked if there were any other options regarding payment, such as considering it paid in full or if there were other terms to be considered. She connected me with her supervisor. Unfortunately it was the voice mail of her supervisor which indicated she was not home at the time and leave a message. I left a message and ****** ******** returned my call however I was at work. I called ****** back at ext ****, left another message and have yet to hear from her. At this point I have paid $1440 and have 2 options: * If it were paid today, pay it in full by paying $780, which would mean in total I would be paying $2220 for a $600 loan or; * Make all 16 payments (final payment of $240) totaling $2940. Had the full terms of the loan been clearly explained to me in October 2013, I would have never agreed to the terms and would not have taken out the loan. I don't know what I can do at this point and have no idea what my options would be. Is this legal? Can a company charge such an exorbitant interest rate; 770.97%. Is it legal for none of the payments to go to principal or to pay so much and then have to pay $780 to pay it off. I regret taking out this loan and for not being more diligent in reviewing my account. I have learned a valuable lesson. What I thought was a reputable company clearly was not. I appreciate any direction or assistance you can provide me in resolving this matter as soon as possible.

Desired Settlement: To date I have paid $1440 and borrowed $600. This is more than twice the amount of the loan. I would like the loan to be considered paid in full and no further monies taken from my account. It makes no sense that to date having already paid $1440 that I would pay an additional $780 to consider a $600 loan paid off. If the terms were clearly explained, I would never have taken the loan out. What person in their right mind would pay an interest rate of 770.91%. If additional payments are deducted after today February 18th, I want them refunded as well.

Business Response: Initial Business Response /* (1000, 5, 2014/02/19) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** *******. As of February 19, 2014 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 7, 2014/02/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) While I accept the response that my loan is closed and no further payroll deductions will be taken by American Web Loan, I request this in writing. At this time, American Web loan has agreed to consider my account paid in full and will deduct no further payments from my account. I am requesting that American Web Loan acknowledge this in writing. While I received a phone call resolving this matter, for my protection, I am requesting a letter in writing. Final Business Response /* (4000, 9, 2014/02/26) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** *******. As of 02/26/2014 the concern has been resolved. Let us know if you have further questions.

3/13/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: they don't tell you the full deatails of the loan.I was told they would take payments out bi-weekly. I recieved a loan for $1400 on 12/21/13. When this loan was processed I was told they would take out payments for $420 bi-weekly.I took a look at my acct# XXXXXX on the web site to see what i owed so i could pay it off. The site shows i still owe 1400 I have already paid back $1260. I called customer servive now they tell you the money i paid back is only interest, that i still owe 1400. This was never disclosed when the loan was taken out.Customer service tells me its in the loan doc's the problem is you can't even find these on the web site,you can't even see a detailed acct statement. I can't beleive they can do this i'm paying $840 a month for a $1400 loan and none of this money goes to the loan amount!

Desired Settlement: I would like to have a reasonable settlement amount. I can't afford to keep paying $840 a month for nothing.

Business Response: Initial Business Response /* (1000, 5, 2014/02/24) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by *********** ******. As of February 11, 2014 the concern has been resolved.

3/11/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: We never received terms of loan or right of rescission. Loan was for 1000.We have now paid 1,500. They are still taking 300 from our acct biweekly. On Dec.9, 2013, I applied for an 800 loan online. They immediately called and said I had to take 1000. They took our checking acct number to deposit the money. We were told terms would be sent to us. We never received anything, nor did we sign anything. We have contacted customer service multiple times to ask rates and terms to no avail. To date, we have paid 1500 for a 1000 loan. They automatically withdraw 300 every 2 weeks without our consent and said we have to pay this amt for 6 months. Our online acct shows no payments made, nor can payments be made online. I feel I have more than paid back this loan and need these automatic payments to stop.

Desired Settlement: I want these automatic withdrawals from my bank account stopped. I feel at this time this loan is paid in full and no terms were ever disclosed.

Business Response: Initial Business Response /* (1000, 5, 2014/02/25) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by **** ******. As of February 25, 2014 the concern has been resolved.

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

Complaint: CSR did not explain terms completely. I had no idea this was an interest-only loan - the rep did not explain that to me. I now have made 6 payments of $150 each on a $500 loan & nothing has been applied to the principal. I feel that their sales practices are unethical because they don't give the customer nearly enough information to make an informed decision. I feel that they are taking advantage of people. I was in a position to be able to afford to pay back $500 with some interest but I feel that after paying them $900 my debt should be considered repaid.

Desired Settlement: I am requesting a refund of the amount over and above what is customary for a loan of $500 at the agreed upon interest rate in the state of Missouri for a short term payday loan.

Business Response: Initial Business Response /* (4000, 8, 2014/03/03) */ We are in receipt of complaint #********. We sent a response via email to Ms. ***** *********. We offered a resolution that we felt was fair to both the consumer and our business. Let me know if you have any further questions. Final Consumer Response /* (3000, 6, 2014/02/28) */ Today 2/28/14 I received the following email: Dear Ms. ***** *********, We have been trying to reach you regarding the issue you have with American Web Loan. We have closed your account with American Web Loan on 02/27/2014 and consider it paid in full. Your Loan ID is ******. Our Resolution Department is available at ************** Ext. **** from 8:00am. to 5:00p.m CST. Thank you, ****** American Web loan Resolution Specialist Phone: ************ Ext **** Fax: 855-275-9717 All lenders are not created equal

3/6/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed $400 12/17/2013 and was told they would take $120 on the 1st and the 31st of every month I have made four payments of $120 and my account still shows a balance of $400. I was told when I borrowed the money that the "payments" I was making would be paying my loan. I feel I have paid this loan in full and will not be able to pay anymore. There loan practices are not clear and when you look at the website, the "rates and terms" link does not provide any information about how the loan program works. My loan Id is ******

Desired Settlement: I want my account to read paid in full and no further collection or withdrawals from my account

Business Response: Initial Business Response /* (1000, 5, 2014/02/19) */ We are in receipt of complaint #********. We attempted to contact ******* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 13, 2014/03/05) */ Complaint has not been resolved. I have recently closed all bank accounts and will be sending the final payment with a money order to American Web Loans via certified mail. This should end all contact between AWL and myself. They have mis-represented themselves as a "loan provider" and I feel they have acted illegally as well as unethically. I will never do business with this company again...consumer beware! Final Business Response /* (4000, 15, 2014/03/06) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ******* ***** on 02/20/2014. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Ms. ***** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions.

2/27/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: AML (American Web Loan) did not disclose full terms of loan offer When I agreed to a loan of $600.00 in August 2013 I was informed that an fee of $150 would be applied. I was informed that every 2 weeks (based upon payroll) that $150 would be deducted until the loan was pad in full. I have paid $1220 to date (2/15/14). I mailed them a letter 1/7/14 informing them they are no longer have my permission to make deductions to my checking account. I have not heard back from them. However, they continue to do make deductions on my checking account. I contacted my bank today (2/15/14) to apply stop payments for future withdrawals with my bank as well. In addition, I have emailed American Web Loan. They failed to disclose the full terms at the time of the loan and were misleading in their explanation of the loan agreement. I would like to dispute the amount I have over paid to date. My understanding is that I would have owed $650. I have paid $1220. Thank you for looking into this for me.

Desired Settlement: At minimum I would like my loan to be considered paid in full and closed. If possible, I would like the amount I've overpaid according to the terms explained to me at the time of the loan to be refunded.

Business Response: Initial Business Response /* (1000, 5, 2014/02/20) */ We are in receipt of complaint #********. We attempted to contact **** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/02/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not heard from this business at all regarding this matter. Final Consumer Response /* (3000, 9, 2014/02/27) */ I rec'd this email Tue 2/25/14 3:50 PM from the business. I will consider the matter now closed. Dear **** *****, We have been trying to reach you regarding the issue you had with American Web Loan. Please be advised, we have closed your account with American Web Loan as of 02/20/2014 and consider it paid in full. Your Loan ID is ******. Our Resolution Department is available at ************************ from 8:00am. to 5:00p.m CST. Thank you, ****** American Web loan Resolution Specialist Phone: ********************* Fax: 855-275-9717 All lenders are not created equal

2/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The creditor uses harrassing phone calls, threat of jail time, claiming they issued a warrant for my arrest. ********** is representing them? The Creditor was contacted when my account at the bank was breached so I could give them payment information. They never called me back to get it, when I tried to log in online and request a settlement it told me to call but I was never able to reach anyone at the # provided, just answing machine. ********** contacted me, after at least 5 calls a day leaving NO MESSAGE they proceeded to use a fake # locally to get me to answer the phone. Than informed me they needed to know where I was so they could serve me with my warrant! I was given a phone # and claim # to call "**********" in regards to this loan! Never heard of them. After the woman on the phone was totally horrible I requested a settlement and asked about payments. I made the first payment and was contacted a few days later by my bank to inform me my credit card # has been stolen and ********** is indeed the culprit that caused it. Therefore, when they called on the 14th expecting another payment, they were not polite as the charge did not go through, they left a message stating you didn't pay. You will be arrested and charged. GOOD LUCK! and Left a # for me to call. I called them to tell them indeed my card # was stolen due to them and that I had no card and was not providing them with another #. They told me I had until 2/26 to make a payment or I will be arrested! This is bull. If AWL wants to settle the debt with me, contact me with directly and politely with a payment/settlement offer and I will indeed pay this. But being threatened to be arrested and have a warrant of debt against me when they are not even in my state is ridiculous. I am a single mom of 3 kids. Originally took the loan because my ex stole all my money and than proceeded to do it again afterwards. I barely can put food on the table and DO NOT need to be threatened to be arrested etc. when all my kids have is me. Be polite and professional and AWL contact me, not some witch from another company and I will set up a payment plan

Desired Settlement: REASONABLE payments and a knocked down amount of interest instead of $900+ Dollars on a $500.00 loan which payments were made a couple times before my money was stolen and my account was closed and they never contacted me back.

Business Response: Initial Business Response /* (1000, 5, 2014/02/19) */ We are in receipt of complaint #******** for ******* *******. The account is currently owned by a third party. We are in the process of retrieving the account so that we can attempt to reach a resolution with Ms. *******. Final Business Response /* (1000, 8, 2014/02/19) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* *******. As of February 19, 2014 the concern has been resolved.

2/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I was lead to believe my loan would be paid off in 4 automatic payments. Not true! On 11/21/13 I went online to American web loan and submitted an application for a loan. I then received a phone call from this company and he verified my personal information including my banking information. I was approved and accepted a $900 loan. He asked if I wanted the payments automatically withdrawn from my bank account and I said yes please. I asked him how many payments and he said after the first repayment on 12/6/13 which was my next payday there would be 3 more repayments. Then last night I was updating my banking and noticed there was another (5th withdrawl) taken from bank account. I thought that was odd and called American web loan this morning. I explained to them that I wanted a refund because there should have not been a 5th repayment. This company has withdrawn $270 five times for a total of $1350 out of my checking account. I was told by ***** the service rep. and her supervisor *** this morning that I have an outstanding balance of $900! I was so confused and said what? I told them that I have paid them $1350 which consisted of 5 payments of $270 each. They both told me that those paymnets of $270 every two weeks coming out of payday checking account was only interest! They said I still owe $900 plus another $270 on top of that if I do not pay it by tommorow. I am so sick to my stomach and can not believe this. I would have paid this off sooner had I fully understood this. The gentleman spoke so fast on the phone and was quick talking. Never in the conversation did I understand that these were the terms of the repayment program. I feel extremely deceived and scammed about this. I have had a payday loan in the past and this never happened. I can not believe this type of practice is legal. I understand that these types of loans are high risk and carry a higher interest rate. I am willing to pay for that risk with a higher than normal rate. I thought interest was $20 for every $100 borrowed. If I did not call about this and left go it would have totaled $4320.00 for a $900.00 loan! This is absurd! All I wanted was $900 and I was under the impression that the money of $270.00 taken out of my checking account for 4 consecutive pay periods would have paid the loan back. This would have totaled $1080.00. Again, I believe in fair practice and I have paid $1350.00 to date on this loan and none of this money has paid off the principal balance. This is wrong. My loan ID number for this is XXXXXX.

Desired Settlement: I should not have to owe any more money or payments since I have paid the principal value of the loan and an additional $450 on top of that. I would have NEVER agreed to these terms had I fully been made aware that these payments taken from my personal checking account would not be paying the principal amount of the loan but instead interest only. I thought the loan would be paid off in 4 repayment withdrawls of $270.00 each making the loan total with interst $1080.00. I have met this threshold and I feel I should not be forced to owe any more money going forward as of 2/4/2014. I also feel I should be refunded $270.00. I hope this matter gets resolved and I do not need to take further action.

Business Response: Initial Business Response /* (1000, 5, 2014/02/07) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ****, we can amend the response. Final Business Response /* (4000, 8, 2014/02/07) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** ****. As of February 07, 2014 the concern has been resolved.

2/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: False advertisements, misleading customer service representatives, prey on the poor!! ON 12/30/13, I applied on American Web Loans website for a $500.00 loan. Moments later, a sales rep called me back and said that I have been approved for a $400.00 loan. He explained that the loan would be paid in bi-weekly installments. I called today and spoke with ***** at AWL and she tells me that the $120.00 that I pay every 2 weeks out of my measly paycheck is not going towards my principle, and that it could take 16 weeks to pay off a $400.00 loan......well $120.00x16=$1,920.00!!! This is a scam preying on the poor and needy!!! I want to pay this loan off like it was presented to me and not may 1920.00 for a 400 loan!!!

Desired Settlement: I would like American Web Loan to admit to unfair business practices and preying on the poor and needy while speeding through policies and procedures and poorly explaining the loan. I want the loan paid off like it is represented to be, 4 bi-weekly payments of $120.00, which is $480.00, is what I should only be paying!!! I am also on Social Security Disability!

Business Response: Initial Business Response /* (4000, 5, 2014/02/04) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ********. As of February 4, 2014 the concern has been resolved. Final Consumer Response /* (3000, 3, 2014/01/31) */ Here is the original email from them about receiving the loan: CONGRATULATIONS, ***** ********! Your $400.00 loan has been approved. The regular payment for your loan is $120.00. Your first due date will be 1/24/2014. Should you need to contact customer service about your loan, please have your loan number ready. Your loan number is ******. You will manage your American Web Loan Flex Loan account online. Please follow this link: https://customer.americanwebloan.com to register for online account management. Once you have registered, you will receive a confirmation email of your registration. Your confirmation email will contain a link that will help you manage your account online. Once registration has been completed, you can begin using this link to manage your account online: https://customer.americanwebloan.com. All payment selections should be chosen at least 4 business days prior to each due date. You have the option to visit www.americanwebloan.com to create an account. Once you have registered, you have the option to log into your account to select a repayment method. The options are: * Regular or Flexible Payment - $120.00 will be due on each regular payment due date. The only amount that will automatically be debited from your checking account is this regular payment amount. This option is the default payment selection on your account for each regular payment due date, and it will not decrease your principal loan balance until your final 3 payments according to your Payment Schedule which appears in your Loan Agreement. * Prepayment - Any amount paid in addition to your regular payment will apply to the principal balance, reducing the principal balance and regular payment amount for the remaining payments. * Pay in full - The entire loan balance plus a prorated regular payment amount may be paid at anytime and will cause your loan to be paid off in full. New features on the American Web Loan website include: * Ability to apply for a new loan * Receive information about our new Preferred Customer Program * View your current account balance * View your due dates and account history * Make a payment * Update your account information Once the balance of this loan has been paid in full, you will be eligible for an increase of $100, up to a maximum loan amount of $1400. You may also be eligible for our Preferred Customer Program, which allows you to receive discounts on new loan fees. To learn more about your benefits please visit https://customer.americanwebloan.com/Login.aspx. You may also receive an Upgrade on your current loan once you have made 6 payments or the principle balance has been paid down to at least half of the original loan amount. And don't forget about our industry leading Customer Referral Program - where you can earn $110 for each new customer you send our way. Your unique referral code to share with friends and family is: (ReferralCode). The complete details and the Terms & Conditions of our Customer Referral Program are available once you create and login to your account at https://customer.americanwebloan.com/Login.aspx. Thank you for being our next valued client! American Web Loan 877-636-1353 877-636-1353 Fax www.americanwebloan.com American Web Loan - Not all lenders are created equal

2/17/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Never received loan agreement, they have no records of my payments, did not disclose APR, not able to tell me balance and other fraudulent practices. I took out the loan on 12/17/13. I have already paid $540. When I asked for the balance they state $600 and that is the same exact amount that I borrowed. Therefore, something is very wrong. I have had this loan for almost six weeks and there is no way that much interest can accrue. Furthermore, the rep did not disclose APR, any fees, stated no prepayment penalty and never sent a loan agreement. Then when you go to the website it still shows balance of $600 and no payments applied.

Desired Settlement: I do not want them to take anything else out the account. I would like to pay it off before the next payment is due which is 02/14/14. I read all these bad reviews that state even when it is paid off they still take out account. From my experience they have deceptive selling practices and customer service is no help. They are unethical, can not be trusted and a sham. Misleading, do not disclose all pertinent and relevant information.

Business Response: Initial Business Response /* (1000, 5, 2014/02/05) */ We are in receipt of complaint #********. We attempted to contact ******* ******, however, we are unable to reach Mr. ****** due to his recorded message which says he is unavailable. Since we are unable to reach Mr. ****** to determine why he has any issue and/or complaint with American Web Loan, we assume there is no issue to resolve.

2/14/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: The company has taken over $1400 away from me when I had only borrowed $500. I borrowed $500 from American Web Loan in November 2013. I was told to go to the web site to pick a payment option. I have been to the website numerous times and it has never worked. There is no way to pick an option. I called back a customer service rep and left a message asking for help and no one ever returned my voice mail. Since then, they have taken $900.00 out of my account which I thought was for the payment of the $500 loan. THE WEB SITE HAS NEVER WORKED AND THIS IS UNFAIR AND RIDICULOUS! This should be illegal- they get you to borrow money and then fool you into believing their website works- then they don't return phone calls when you ask for help and blame you for it. I think that they should give me some of my money back- I understand that they should get interest, but not $900 worth. 11/29-$150.00 12/13-%150.00 12/27-$150.00 1/10-$150.00 1/24- $150.00 2/7- $150.00 This is all the money they took from me and they are taking the $500 now- this is awful

Desired Settlement: I would like to at least have $600 back- that still gives them the $500 for the loan plus $300 more a total of $800. I think it's a scandal and illegal to take an extra $900 from a good hard working person.

Business Response: Initial Business Response /* (1000, 5, 2014/02/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, we have not heard back from Ms. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Final Business Response /* (4000, 8, 2014/02/12) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** *******. As of February 12, 2014 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

2/11/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Misrepresentation of Loan agreement. In November 2013 I received a $1000 payday advance loan from American Web Loan. I spoke to a representative on the phone who implied that payments of $300 would be automatically deducted from my account until the loan was paid in full. When what I thought was the final payment was coming due, I called to find out the exact amount of the final payment, I was informed at this time that the $300 that had been deducted from my account was interest only. I was shocked to find out that the $1200 I had paid was ONLY INTEREST and that this loan had an annual interest rate of 761.06%. This was not made clear to me at the time I agreed to the loan. The max amount allowed in the State of Iowa for payday loans is $15 for the first $100 and $10 per $100 following. This means they should only be allowed to charge a total of $105 for finance charge/interest according to my state law. According to the loan documents that they just sent me today at the request of my bank, it states they are not held to State of Federal regulations but only "Tribal Law". I would never have agreed to this loan had I know there was an interest rate of 761%!! I do not understand how this can be legal. I have paid a total of $1200. The original amount of the "advance" was $1000. According to Iowa law I have already paid more than what is allowed by law on a payday loan. This loan should be considered paid in full. When I contacted the company today on a conference call with my bank, I was told that my only option was to pay the loan in full plus another $300 in interest. This is absolutely ridiculous and I feel that this business practice targets people experiencing hardships. The rep I originally spoke to led me to believe that the terms of this payday advance were much different than what they actually are.

Desired Settlement: I want this loan forgiven. I want it in writing from American Web Loan that the loan has been paid in full and I want no further contact from this company. Additionally, I would like this business flagged for fraudulent practices so that no other consumers are affected.

Business Response: Initial Business Response /* (1000, 5, 2014/01/30) */ We are in receipt of complaint #********. We attempted to contact ****** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

2/10/2014 Delivery Issues | Read Complaint Details
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Complaint: on dec 6th 2013...I received a payday loan from American web loan and I was misinformed on the rules and regulations they have...I had an understanding with one of theyre representatives that this loan would be paid off in 4 payments of $240.00 bi-weekly (the loan was for $800.00) which was very understanding...which this is what the representative at the time discussed with me. I was not given a specific due date of when it was due..i had an understanding that 4 payments of $240.00 was towards the loan. I checked my account every other week when I made a payment to follow up on the status of this loan. until Saturday of feb 1st 2014. my account viewed $3,914 with 16 payments. I was extremely upset when I seen this, because this was the first time this was on my account portfolio on their website. I then notified American web loan, and they told me the $240.00 every other week was not being paid towards the $800.00 loan. which to me is very absurd considering I was never given a due date for the loan to be due in full. which I had an understanding this $240.00 bi-weekly was paying the loan, which to them it wasn't, even though the representative at the time told me it was. and now another representative told me I had 16 more payments of $240.00, which to me this is a scam, its robbery, and its criminal. I do not want anymore money to be deducted out of my bank account from American web loan until this is resolved. American web loan has charged me a 802% interest. which is more than my house loan and car loan combined. I want this issue resolved the way I was informed when I first purchased this loan, which I have already paid $960.00 to American web loan. which is what the representative told me this was what I was to pay back. I believe the people of American web loan make their money and commission off scamming people. this is what I believe because paying $3,900 for a $800.00 loan is theft.

Desired Settlement: DesiredSettlementID: Refund I would like this matter resolved with the amount I have already paid to American web loan due to the fact that the representative who issued the loan to me told me $240.00 in 4 payments would pay off the loan. considering that this person never gave me a due date to when the loan was due in full. they told me the $240.00 every other week would go towards the principle of the $800.00 which at the time made sense. I was misinformed by one person and told another by a different representative.

Business Response: Initial Business Response /* (1000, 5, 2014/02/06) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** *******. As of February 06, 2014 the concern has been resolved.

2/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Company makes harassing phone calls to my place of employment and placing my job in jeopardy as well as hurting my companies business with each call This business has made a number of harassing phone calls regarding a debt that I am not liable for under state of IL provisions. American Web Loan has called my personal cell phone as well as my employer's phone a number of times. There are ramifications I could suffer if they can continue to call my employer. It could result in suspension or job loss. My employer can not be subject to collection calls as it is a place of business. The stress in receiving the calls has already caused me to miss work due to anxiety and possibility of getting in trouble as a result of these harassing calls not to mention the embarrassment it has caused as my boss has heard several of them. Tracked Calls and Saved Voicemails 12-27-2013 ph:XXX-XXX-XXXX XX:XXam left voicemail at place of business/employer 12-27-2013 ph:XXX-XXX-XXXX XX:XXam left voicemail on personal mobile phone 12-30-2013 ph:XXX-XXX-XXXX X:XX am left voicemail at place of business/employer 12-30-2013 ph:XXX-XXX-XXXX X:XXam left voicemail on personal mobile phone 1-6-2014ph:XXX-XXX-XXXX-X:XXpm left voicemail on personal mobile phone 1-8-2014ph:XXX:XXX-XXX XX:XXam left voicemail on personal mobile phone 1-8-2014 ph:XXX-XXX-XXXX XX:XXam left voicemail on employer/place of business phone 01-20-2014 8:01am left vm with place of employment XXX-XXX-XXXX 01-22-2014 Called my employer phone, I picked up told NOT TO CALL MY JOB ANYMORE 1:37pm ph:XXX-XXX-XXXX 01-24-2014-left vm with my employer 9:00am ph:XXX-XXX-XXXX Calling my employer and references HAS to stop. This company is reckless and abusing the fair debt collection practices. They putting me in danger of losing my job. If I get reprimanded or suspended or lose my job due to this I will take legal action. I will only communicate with them via mail. I have yet to receive any type of settlement in writing regarding this debt. I have only received ********, patronizing, harassing, voicemails. All of which I have saved for court should this go thee. I will no longer be subject to this. Every time my employer or references are call, I will lodge a complaint. You cant let this company abuse and ignore collection practices.

Desired Settlement: I have paid this company $261.00 of the $400.00 they loaned me. They were attempting to collect over $1000.00 based on "indian/tribe" laws. I offered to pay them my balance plus the initial interest which would be another $259.00 from me. They did not accept that offer and have since harassed me. For the pain and stress they have caused. I simply asked that the remainder of the debt requested be forgiven and they cease and desist from contacting me.

Business Response: Initial Business Response /* (1000, 5, 2014/01/29) */ We are in receipt of complaint #********. We attempted to contact ******* ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ********, we can amend the response

2/4/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: i keep getting this call from this company stating I owe 1000.00 and I will need to go get a pre paid credit card and send them the payment. a I keep getting this call from this company stating I owe them 1000.00 and I don't believe I do. they will not email me a statement or they will not mail me a statement showing that I even owe this money they tell me to get a pre paid credit card to pay it that way. the number that keeps calling me is 18668754552 when I called this number it was a claims and legigation dept. so I don't know what is company is doing.

Desired Settlement: I just want them to stop calling me and harassing me stating I owe money that I never received.

Business Response: Initial Business Response /* (1000, 5, 2014/01/23) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ****** by Email due to the contact information she provided is invalid. we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

2/3/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Opened a payday loan for 200.00 and told had to take 400.00. Payments of 120.00 until paid off. Terms were not what they said. My reference code with AWL is ******, when asked what my balance was, I was told that none of the payments were put toward the balance, these were put towards the interest only.

Desired Settlement: Will pay the 40.00 owed to the actual balance and be done with the misrepresented loan.

Business Response: Initial Business Response /* (1000, 5, 2014/01/29) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ********. As of January 29, 2014 the concern has been resolved.

2/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: Extremely high interest rates. Billing practices are unclear. Interest rates this high are illegal in this state. On 12/06/2013 I applied for and received a payday loan in the amount of $500 with the understanding that repayments were made every 2 weeks in the amount of $150 a repayment. My account number with AWL is ******. Having made 2 payments (12/20/2013, 01/03/2014) for $300, I decided to try and go back online and pay the remainder($300). After logging in, i saw a payment of $650 to pay it of. This was confusing. So I called the customer service line. As it turns out, the $300 that was paid only was for interest. The principal $500 still remained. And the next scheduled payment (01/17/2014) of $150 was interest only as well. Thats $450 in interest on a $500 loan After speaking to the customer service agent, i learned that a principal only payment had to be made over the phone. So if i pay $200 towards the principal, my bank would be charged a total of $350($200 for principal and $150 interest) and my next interest payment would be $90, plus anything i pay towards the principal. So far, thats $690 in interest, assuming the principal is paid in full on 02/07/2014.

Desired Settlement: i would like the current payments to be credited towards the principal, and the extreme interest to be lowered. I want to be able to repay the $600($500 principal $100 interest) as the understanding on the application for a loan led me to believe.

Business Response: Initial Business Response /* (1000, 5, 2014/01/15) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** *******, however, there was no answer nor could we leave a message. We are unable to reach Ms. ******* to determine why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/01/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) was unable to receive phone callswill attempt to call next week Final Business Response /* (4000, 9, 2014/01/21) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ******* again, however, her phone will not accept incoming calls and we could not leave a message. We are unable to reach Ms. ******* to determine why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *******, we can amend the response. We can be reached at 1.877.636.1353 Monday through Friday 8:00a.m. to 5:00p.m. Central Standard Time.

2/3/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This company should be shut down! I have paid $450 toward a $500 loan and was told today my balance is $950!! I took out a $500 loan and was told that $150 would come out of each pay check. I have already paid $450 in 6 weeks and was told today my balance is $950. **** ******* told me I should have gone online and specified a payment amount above and beyond the $150. I asked what the $150 each paycheck was for? He claimed it was a fee for taking out the loan. I was NEVER told any of these terms and certainly would NOT have gone through with this!!! This should be illegal to charge that much interest!! I put a stop payment on the $150 charges. I am willing to pay the difference of what I still owe, but no more. I feel they are very deceptive and cannot believe they can get away with this. I have read countless complaints on this and other websites regarding American Web Loan.

Desired Settlement: I am willing to pay the difference of what I borrowed but no more!!!

Business Response: Initial Business Response /* (1000, 5, 2014/01/22) */ We are in receipt of complaint #********. We attempted to contact ******* ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

1/30/2014 Delivery Issues | Read Complaint Details
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Complaint: I was told by there customer service rep that I only had to pay8 payments of 120 dollars I am on payment 12 no contract was sent to my residence they loan money under false pretenses aqnd do not make it clear how long you are paying for. a 4hundred dollar loan should have to be paid for at their exorbitant interest rates

Desired Settlement: i'm not looking for cash back but I don't want to make 120 dollar bi weekly payments the rest of my life

Business Response: Initial Business Response /* (1000, 5, 2014/01/29) */ We are in receipt of complaint #********. We attempted to contact *** **********, however, we have not heard back from Mr. ********** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. **********, we can amend the response

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: This business has made a number of harassing phone calls regarding a debt that I am not liable for under state of IL provisions. American Web Loan has called my personal cell phone as well as my employer's phone a number of times. There are ramifications I could suffer if they can continue to call my employer. It could result in suspension or job loss. My employer can not be subject to collection calls as it is a place of business. The stress in receiving the calls has already caused me to miss work due to anxiety and possibility of getting in trouble as a result of these harassing calls not to mention the embarrassment it has caused as my boss has heard several of them. Tracked Calls and Saved Voicemails XX-XX-XXXX ph:XXX-XXX-XXXX XX:XXam left voicemail at place of business/employer XX-XX-XXXX ph:XXX-XXX-XXXX XX:XXam left voicemail on personal mobile phone XX-XX-XXXX ph:XXX-XXX-XXXX X:XX am left voicemail at place of business/employer XX-XX-XXXX ph:XXX-XXX-XXXX X:XXam left voicemail on personal mobile phone 1-6-2014ph:XXX-XXX-XXXX-X:XXpm left voicemail on personal mobile phone 1-8-2014ph:XXX:XXX-XXX XX:XXam left voicemail on personal mobile phone X-X-XXXX ph:XXX-XXX-XXXX XX:XXam left voicemail on employer/place of business phone

Desired Settlement: I have paid this company $251 of the $400.00 they loaned me. They were attempting to collect over $1000.00 based on "indian/tribe" laws. I offered to pay them my balance plus the initial interest which would be another $269.00 from me. They did not accept that offer and have since harassed me. For the pain and stress they have caused. I simply asked that the remainder of the debt requested be forgiven and they cease and desist from contacting me.

Business Response: Initial Business Response /* (1000, 5, 2014/01/13) */ We are in receipt of complaint #********. We attempted to contact Mr. **** ********, however, we have not heard back from Mr. ******** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ********, we can amend the response.

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This company has been calling my job several times a week to collect a payment. They also ask personal questions while I was at work. They also threatened me and questioned me as if I was on trial. I felt as if this was very inappropriate and caused disruption at my job. Product_Or_Service: payday loan

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need them to stop calling my place of employment.

Business Response: Initial Business Response /* (1000, 5, 2014/01/07) */ We are in receipt of complaint #******** for Ms. ******* *******. However, based upon all identifying information, the name the customer provided to American Web Loan is ******* ******. We attempted to contact Ms. ******* ****** and have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/01/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) My issue with AML is that they have repeatedly called my job several times a week on a weekly basis asking me personal questions in a hostile manner which was inappropriate and unethical. I have explained to several of the staff that I plan to resolve my debt, but at this time I am recovering from lack of work and income. Once I gave them my response, Ms ****** felt the need to continuously call my job with a hostile demeanor and harass me about my explanation. This is the only company that I have experienced such harassment with. Ethics is an issue with this company and they along with other payday loan companies should be banned for unethical practices. Final Business Response /* (4000, 9, 2014/01/14) */ We are in receipt of complaint #********. We attempted again to contact ******* *******, however, based upon all identifying information, the name the customer provided to American Web Loan is ******* ******. Our attempts are unsuccessful and we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan, therefore, we assume there is no issue to resolve. Ms. ****** is welcome to contact us at 877.636.1353 Ext 1313. If we are able to reach Mrs. ******, we can amend the response.

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: They failed to tell me all of their charges and lied. On 8/21/13 I was approved for $700.00 that I needed in a hurry for my best friends wedding and groceries for our house. I told the woman on the phone that I did not want that much and only wanted $500.00, though she was very persistent. She said it is $30.00 charge per $100.00 or I could avoid that fee by paying the entire $500.00 back before the first payment was to come out of my account on 9/13/13 so I figured I would just make the $150.00 payments towards what I owed bi-weekly because I am a single parent of three girls. I thought after 2 months of payments I should be almost done paying and felt very relieved and called to check my balance. He said I never payed anything towards my payments and I was horrified! He said that until I pay the full $500.00 upfront that they will keep taking $150.00 out of my checking account and all of my payments went to absolutely nothing! I had already paid them $600.00 at this time. I just could not believe it, there is no way I could afford to keep doing that until I can come up with the 500.00 which I already paid back and that was NEVER told to me, only trying to get me to take more money. I was scammed and payed back the money like I was supposed to. I am a hard working single parent and I feel completely taken advantage of. I went to my back and they said they have seen this before and the only thing they could do was to shut my checking account down. Please help me. My account number with american web loan is ******

Desired Settlement: I just would like my account with them closed in good standing.

Business Response: Initial Business Response /* (1000, 5, 2014/01/09) */ We are in receipt of complaint #********. We attempted to contact ****** ***, however, we have not heard back from Ms. *** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ***, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/01/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did speak with a gentelman who told me there is nothing I can do and that he cannot change anything either. He was sorry that the matter was not explained to me differently but that was all. Final Business Response /* (4000, 9, 2014/01/13) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ***, however, her voicemail is full and she has not responded to our inquiries. We have not been able to speak with Ms. *** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve.

1/21/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I have been experiencing a connection error today when trying to file a complaint online. I would like to file a formal complaint against American Web Loan 522 N 14th St # 130, Ponca City, OK 746014654. I took a $600 payday loan from them. At first everything worked properly. I could see adjustments to my loan as they were taking payments every two weeks. When the loan got down to the $600 principal amount the website stopped making proper adjustments to my account. It would say there was nothing due but still had a payment scheduled. They have taken $1,620 from my account for a $600 payday loan. They are still trying to take more money and keep calling saying my account is past due. Luckily my bank is working with me and helped me put a stop payment for any amount they try to withdraw. Please let me know what else I need to do to ensure my complaint is filed. Thanks for your time and efforts.

Desired Settlement: To have AWL stop calling me and asking for more money. My loan is not in default. I took out a $600 payday loan and AWL has withdrawn $1,620 from my account. I would like a refund of my principal amount ($600) and to have AWL stop harassing me. Thanks for your time and efforts.

Business Response: Initial Business Response /* (1000, 5, 2014/01/07) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) It is true that the organization has tried to contact me. They send me emails I can't reply to and they call me when I am working and cannot talk. There is a big issue that needs to be resolved. Not sure why AWL believes there is no issue. Have them explain why they are saying my loan is in default. I took a $600 payday loan and they have withdrawn $1620 and still want more. Final Business Response /* (4000, 9, 2014/01/09) */ We are in receipt of follow up Complaint #******** for Mr. ***** *******. We are happy to speak with Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Mr. ******* is welcome to contact us at his earliest convenience. We can be reached at 1.877.636.1353 Monday through Friday 8:00a.m. to 5:00p.m. Central Standard Time.

1/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Got an $800 loan from them June 2013, I have been paying $228 twice a month since that time, I have made 13 payments, yet my balance still shows $800 I have so far paid $2964 in payments to this company on an $800 loan. The rep I talked to says the payments I have made so far dont decrease the balance of the loan. Then when I got really upset she suddenly said she had "good news" and I only owe three more payments. Hopefully she is telling the truth. Still I will have paid almost $4000 on a $800 loan. This is rediculous!

Desired Settlement: I just want my balance to be 0.

Business Response: Initial Business Response /* (1000, 5, 2014/01/07) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ****, however, we have not heard back from Ms. **** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ****, we can amend the response.

1/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Constantly debiting my checking account large amounts of interest fees which do not apply to the principle balance at all. This company targets people who are in financial binds and may or may not need a small loan to help with bills. I paid off my first loan of $300 through this company after paying back over $1000. Immediately after completing my contract they began contacting me through email and by phone to get me to apply for another loan. After a lengthy phone conversation I reluctantly agreed to another $300 loan in July 2013 because they said some of the biweekly payments would go towards my principle balance. I wasn't receiving emails regarding these transactions this time and when i accessed my account status through the website I discovered I had paid almost $800 to this company ($82 every other week) and my principle balance is still $300! THIS COMPANY CHARGES VERY HIGH INTEREST FEES 2X PER MONTH MAKING IT NEARLY IMPOSSIBLE TO AFFORD TO PAY ON PRINCIPAL!! This business practice is highly unethical and needs to be stopped. The fact that many people are also confirming being misled about the debits being partially credited towards the principal should escalate the government to take action. This company is a predatory lender taking advantage of people who are obviously in a financial bind and slaving their account.

Desired Settlement: I believe with the total of the two loans ive taken out with this company ($600), and the estimated total ive been automatically debited ($2000+), all further transactions should cease. My family has suffered this company's exploits long enough.

Business Response: Initial Business Response /* (1000, 5, 2014/01/07) */ We are in receipt of complaint #********. We attempted to contact Mr. ****** **********, however, we have not heard back from Mr. ********** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. **********, we can amend the response.

1/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Payday Loan that didnt disclose terms until after agreed to loan and was then disclosed in confirmation email. $700 payday loan. have been paying $225 every two weeks for the last 6 months. outrageous interest. They have n o contact info to call to find out how much time is left on paying. Have payed of loan and $2000 more. Enough is enough.

Desired Settlement: Loan amount plus legal interest allowed . differnece refunded. (Almost 300% interest doesn't seem legal)And they need to disclose their rates prior to accepting loans for others who live out of their state.

Business Response: Initial Business Response /* (1000, 5, 2014/01/07) */ We are in receipt of complaint #********. We attempted to contact Mr. ***** *********, however, we have not heard back from Mr. ********* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *********, we can amend the response.

1/20/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I chose not to receive their "loan" and they are constantly harassing me with emails and phone calls. they won't stop emailing and calling as request I was trying to get a loan but after realizing the exorbitant interest rates they were charging I changed my mind about wanting their "loan". I have sent repeated emails to customer service asking them to stop harassing me. But still the phone calls and the emails continue. I don't want anymore correspondence from them. I asked them to remove my name and information from their system and still they call and email. Please make them stop!

Desired Settlement: I just want them to remove my information from their system and leave me alone! I am sick of this harassment! They are a rip off and they should be put out of business.

Business Response: Initial Business Response /* (1000, 5, 2014/01/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ******** ******. As of January 8, 2014 the concern has been resolved.

1/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Took a loan out for $500 and not knowing the whole terms. I took a loan out of $500 and not knowing the loan terms and i was improperly informed on the payback terms.This so called term said that i would take out $500 and payback $150 out of my pay for the next 3 weeks to pay back loan. Now not knowing that everytime they were taking this out that this money wasn't even going towards the payment. it was all going for extension fees??? Ifeel this company is a fraud and taking people(honest) people that need loans and improperly helping them but making them even more in the hole for money. I have suggested to them that I will pay back $50 a month or the $500 that I owe within a couple months. I have seen several others on here with the same exact complaints.. Please help me as soon as possible. I have talked to an Attorney and they told me this is such a fraud scheme.. and i don't want to go that route but I will to shut this down for not only me but everyone else that has gotten screwed.. I spoke to a Freeman and he gave me the address to mail payments and then they continue on harrassing me.

Desired Settlement: I would like to be able to payback the $500 in installments. I have had my checking acct compromised and I'm also not working. I'm willing to make amends the honest way however not being taken by these extensions and terms they don't make aware to their customers. Please contact me at your earliest convenience. Thank you ****

Business Response: Initial Business Response /* (1000, 5, 2014/01/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by **** *******. As of January 08, 2014 the concern has been resolved.

1/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: American Web Loan over charging me with a very high annual percentage rate. Hello..In October I have gotten a loan from American Web Loan in the amount of $400. I've realized that I would have to pay this back. When I signed up with them they never emailed me any contract. I contacted them yesterday January 09, 2014 and spoke with *****. I had asked her how many times does $120 will be taken out of my account because I have paid $600 already and am very confused as to why I'm still have money drafted out. She explained to me it was 30% interest and that I would have to pay 16 payments of $120. I got upset and told them that is the most ridiculous thing I have ever heard. I only got a loan for $400! When I received my documents I opened it and ***** lied about the % my % states 794.89%, finance charge is $1560.00. I told her I'm pretty sure if I received this document the very first time I would have never went forward with this. ***** told me I can pay it off if I pay $520. Again, I already paid $600 and the $400 is still not paid off. I'm am very upset and very confused and how they come up with these numbers. Can someone please help me??

Desired Settlement: I just want them to stop taking money out of my account because I can't pay some of my real bills!! Please help me!!

Business Response: Initial Business Response /* (1000, 5, 2014/01/14) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ******, however, there was no answer nor could we leave a message. We are unable to reach Ms. ****** to determine why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2014/01/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with the business response. American Web Loan has not tried to contact me on either my home number, my cell or via email. There is still an issue with this company because I am very upset with how they operate there. As I spoke with my bank and they stated, I have had $840 drafted out of my account since October from American Web Loan. This company has lied about contacting me and is a rip off. Some thing has to be done ASAP. Final Business Response /* (4000, 9, 2014/01/16) */ We are in receipt of complaint #********. We attempted again to contact Ms. ******** ******, however, there was no answer and Ms. ******'s phone will not allow us to leave her a message. We are unable to reach Ms. ****** to determine why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. Ms. ****** is welcome to contact us at 877.636.1353 Ext 1313. Final Consumer Response /* (4200, 11, 2014/01/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I'm confused as to why American Web states they have been trying to call me as there are no missed calls on either my home or my cell. However; American Web Loan did email me a copy of a letter stating "the account has been closed and paidin full". I'm hoping that is true as I did receive a PDF stating that. I will be giving the company a call to make sure.

1/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Agent failed to fully explain payments and how it would not be applied to loan balance. Agent explained that principal could be paid first andthen bal Agent explained principle on loan could be paid first and then the loan balance could be paid in installments. Did not state that every payment would be only.for principle on loan. They want me to basically pay almost triple the loan amount in order for it to be paid off. Agent failed miserably to explain this, as had that been known I would not have barrowed from this company in the first place. This is basically entrapment as I was in dire straits due to the death of my dad and they payback for the loan was really not explained well at all. The supervisor ***** did nothing to try to rectify the situation and just kept stating the same thing instead of trying to fix the issue. Really really poor service and it will be put out to the public to watch out for this rip off. I was in dire need and I thought they were there to help, but they basically ripping me off.

Desired Settlement: Have the $180 payments, go toward the balance until loan is paid off. And also better train agents on explaining process and supervisors on better customer service skills. This is a grave inconvenience.

Business Response: Initial Business Response /* (1000, 5, 2014/01/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ********. As of January 08, 2014 the concern has been resolved.

1/10/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Did a pre application to see if I quaified for the loan. Never agreed to anything. Now they are saying I am being sued for fraud! I did a preapplication to see if I quailified for a loan. I was told I would be contacted. I did receive calls the next day. However, I never answered the calls. I received emails. I never opened them. I assumed they would leave me alone and realize I was no longer interested in the loan. I then received a phone call from a man with broken english stating that I was being sued for fraud from the payday loan I received from american web loan. I stated that I never completed the loan process and he said I am still responsible because the money went into my account. I never received anything from them. I told them to send me the information to my address and I will have my lawyer look at it. He then told me good luck and that I would be going to jail. I never agreed to any terms with this company. I never recieved any money from them. I tried to email them and I got a response that my email failed because its not a valid email address. Please help me with this matter.

Desired Settlement: I just want them to leave me alone. I dont owe them any money so they have no reason to contact me. I hope they dont remove money from my bank account. I want to stop being harrased by this company!

Business Response: Initial Business Response /* (1000, 5, 2014/01/09) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ********* **********. As of January 09, 2014 the concern has been resolved. Initial Consumer Rebuttal /* (3000, 8, 2014/01/10) */ I got a call from ****** at AWL. She said that whoever called me was in no part of AWL. She then gave me a number to call to report the fraud. What would have been better is if they dont give your information out to people like that. That is how these people got my information! I think this comapny is still full of it. I have read so many complaints its sad. This company should not be doing business.

12/31/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The payment amount has increased due to American Web Loan continually debiting my checking account with flexible payments instead of the full amount. The payment amount of the loan has increased substantially from $1,100 to $2,667.50, due to American Web Loan continuously debiting my checking account with what they call "flexible" payments. I've now paid $313.50 in 5 installments, which equals $1,567.50. Each time that I've gone on their website to choose a payment option and chosen the full amount, it says that the full amount will be debited on the date scheduled to be debited and that no flex payment is due to be debited. I have done this the correct way and paid more than what I owe American Web Loan and they are now saying that I still owe them an additional $1,100. This is fraudulous on their end. I've paid them more than what I borrowed and they need to stop debiting my checking account. I've notified my bank to not pay any more items from American Web Loan.

Desired Settlement: I want American Web Loan to close my account and mark it paid in full.

Business Response: Initial Business Response /* (1000, 5, 2013/12/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******** *******. As of December 18, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

12/30/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Did not consent to accept loan Researching on line web loans. Gave enough information to review loan offer. Did not agree to accept but loan was granted. Known as flex loan and was billed 240.00 for 5 payments and was never authorized.

Desired Settlement: Have paid 12oo.oo on 800.00 loan. Would like refund of 400.00

Business Response: Initial Business Response /* (1000, 5, 2013/12/17) */ We are in receipt of complaint #********. We attempted to contact ***** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response.

12/30/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: received a loan for $400 dollars and have paid back $1100 and they insist I still owe $600. They have threaten me with fraud charges they will not provide any information or paper work unless they charge me with fraud

Desired Settlement: to have this loan considered pain in full

Business Response: Initial Business Response /* (1000, 5, 2013/12/05) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2013/12/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) according to the people who have contacted me they are working for American web loans as their agent the company is nationwide out of Az. but they insured me they were working for American web loans who do I believe? Final Business Response /* (4000, 9, 2013/12/13) */ We are in receipt of complaint #********. We tried to reach Ms. ****** ***** again and our efforts are unsuccessful. We have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. ***BBB NOTE TO CONSUMER: IN ORDER TO ATTEMPT A RESOLUTION, THE BUSINESS REQUESTS TO SPEAK WITH YOU REGARDING THIS MATTER.***

12/27/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed money to buy my kids Christmas. 12 days before Christmas, they want their money. So the money I borrowed Is to be used to pay them back. I borrowed money on Dec.2. On Dec 12 is my first payment of 250 dollars. It will be 250 dollars every 2 weeks until I can pay back 700 dollars. They do not tell you this in their ad. If I had of known I would not have gotten it. It will take me forever. I want to pay my bill, but this is really bad. I knew of the 250 dollar interest, but not that I had to pay it every 2 weeks. This does not include the 700 dollars that I borrowed. I called and tried to set up payments and they told me that it will be 250 until I get it payed off.

Desired Settlement: I just want to pay the 950 dollars that I thought it would be in the first place. I will be glad to do that.

Business Response: Initial Business Response /* (1000, 5, 2013/12/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response.

12/27/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I borrowed $800 and had it taken out of my bank every other week for $240 to pay it back when I checked my balance which should been $0 and says $800 I paid 4 payments of $240 which I paid total of $960. I checked my balance and it never took off for the balance and sys I still owe $800

Desired Settlement: I should not have any more money deducted from my account

Business Response: Initial Business Response /* (1000, 5, 2013/11/27) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2013/12/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I called them a couple of times and they were closed then I finally got a hold of them on 12/5/2013 they said I owe them over a $1000 which I borrowed $800 and I already paid them $960. Then they said they would considered $600 more dollars I already paid them back. Final Business Response /* (4000, 9, 2013/12/11) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** ******** once more, we left her a message to contact us concerning why she has any issue and/or complaint with American Web Loan. However, we have not heard back from Ms. ********, therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response.

12/23/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Improper communication around collection practices I took out a payday loan for $900 with American Web Loan in August, and at the time, I understood that I would charged $270.00 per month, with a portion of the amount being applied towards the principal. As of December 13, they are still collecting $270.00 from by checking account, and when I contacted them, I was informed that I was paying interest only and that no payments have been applied towards the principal. I have paid $270 bi-weekly since the end of August which totals 8 payments and amounts to more than $2,000 and none on it has been applied towards that principal. They're saying I still owe them $900!

Desired Settlement: I want them to stop debiting my checking account immediately.

Business Response: Initial Business Response /* (1000, 5, 2013/12/19) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* **********, however, we have not heard back from Ms. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. **********, we can amend the response.

12/18/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I think the collection practices and unprofessionalism of the rep that has my account is unethical. I took out a loan in Sept of 2013 with AWL. I was aware of ridiculous charges but proceeded with the charges. I explained to AWL that hackers got my account info and my account was compromised in Oct which put me behind on ALL of my bills in which I had to make an all new account which the new info was given to AWL. This put me in a bind as the holidays were approaching. The collection rep, **** ****** NEVER had any compassion and understanding and he has an attitude and dont know how to talk to adults. Even when he picks up the phone, he answers as if he doesnt want to be there. I dont need someone down my back about paying back a loan as if its the most important thing. Then when I try to make arrangements and do the best I can (ive been making payments with whatever I can) he's saying "Well you need to figure out what dates you gonna make payments and how you're gonna do this". He doesnt know me like that and I dont owe him personally. He needs to realize he's talking to adults. I think if the reps have more compassion and are more polite and dont take these loans personally, it will make someone WANT to pay them back. And everytime I call the Recovery depart (because I wanted to inquire about getting another rep) I ALWAYS get tranferred to him or he ALWAYS is the one picking up. Problem date is 12/10/11.

Desired Settlement: I need another rep and I dont need to be harassed around the holidays. I have to travel 6 hours to see my family, buy gifts for kids and parents, have to get maintenance on my car TO travel those 6 hours, and pay the "important" bills so paying 160 every two weeks around this time to American Web Loans is the least important to me. I do plan to pay AWL back everything I owe but I should be able to pay when I CAN pay.

Business Response: Initial Business Response /* (1000, 5, 2013/12/13) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. **** *****. As of December 13, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

12/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company offer me a payday loan of $500, and try charger me $150 every two weeks as simple interest without reducing the principal loan. This company offer me a payday loan of $500, and try charger me $150 every two weeks as simple interest without reducing the principal loan. I offer to pay the principal since I wasn't aware of their dubious payment scheme. The manager on duty refuses. I believe loan payment should cover both principal and interest payment.

Desired Settlement: Principle loan payoff without additional Interest.

Business Response: Initial Business Response /* (1000, 5, 2013/12/03) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ******* *******. As of December 3, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

12/9/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: First I was never advised of how payments were applied to account. Second I am being called at work after advising 2 people not call me at work. I took out this loan (#****** act#) in July 2013. I had payment of $120 start coming out of my checking act on 7/26. I called in early October to see what was the balanced owed and I was informed that I still owed $400 (the amt of the loan). I was then informed that my payments were going to principal and will not go to the loan amount until 17 payments were made. I was never advised of this when I took out the loan. I contacted my bank on 10/19 and put a stop payment on all transactions from this company from coming out of my checking account. I then was contacted by ******* ********* on 11/7 and I advised her that I was not paying back any more many because the company had not informed me of the loan repayment policy and that I had already paid over $840 and not a penny had gone to my loan. Also I left message advising that no one is to contact me at my job. I was contacted on 11/20 by ****** ***** at my job. I called him back and stated that I was at work and I would call him when I was off and that he was not to contact me at my job again. He instructed me that he was putting it in the notes not to call me. I called him back on 11/21 and advised the same information to him as I had given ******* on 11/7. Also stated that I better not be contacted at my job or I would file harassment charges. Then today - 11/22 - I received a call from a gentleman who said that since I can't call them back he would have to call me at work. I advised him that this was harassment and that I would be contacting an attorney. He said he could call me all he wanted because I owed him money. I am not paying another dime back to this company. I did not realize at the time I took out this loan that payday loans are illegal in the state I live in. I am going to contact an attorney if this company does not stop calling me at work.

Desired Settlement: I would like to stop getting calls at work over this loan. I would also like this account closed and marked as paid in full as I have paid back my loan and then an additional $440.

Business Response: Initial Business Response /* (1000, 5, 2013/11/26) */ We are in receipt of complaint #********. We attempted to contact *** ******, however, we have not heard back from Ms. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ******, we can amend the response.

12/6/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have paid this company well over the loan amount and the balance has not decreased. I borrowed $400 from this company in July 2013. I have been paying them $114 every two weeks since. I called this morning November 2013 and was told the balance was it $46 less than the original $400. I have paid over $900 and I think that is enough.

Desired Settlement: I want this loan to be considered paid in full. I am struggling and can no longer afford to pay these outrageous fees.

Business Response: Initial Business Response /* (1000, 5, 2013/11/22) */ We are in receipt of complaint #********. We attempted to contact Ms. ******** ********, however, we have not heard back from Ms. ******** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. ********, we can amend the response.

12/2/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Illegal/Improper debt collection practices The company or their designated representatives have been calling my family/friends and employer threatening "charges" and other action. THey refuse to provide me written documentation. I have issued a cease and desist order to this company, they are violating that. I am willing to make a reasonable settlement with them, but not under questionable and illegal circumstances.

Desired Settlement: settlement with original creditor.

Business Response: Initial Business Response /* (1000, 5, 2013/11/19) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ****. As of November 15, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

11/26/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: American Web Loan is threating to send me to collections for money I paid back. They claim I owe them $2000 on a $400 loan. I borrowed $400 from American Web Loan. $120 bi-weekly was to be taken out of my account. After 4 payments being made, I check my account on their web site and only one payment was showing. I called and was told they can take up to 16 payments before the payment will apply to my loan. So if that is the case, then they are trying to take almost $2,000 from for a $400 loan. I check their site today and it is now showing I made any payments. I have been called at work, on my cell and told I better call by noon or I will turned over to collections. I told them I cannot take call at work and I can only call when I am off from work. I was told to call on my lunch hour. They are very rude and nasty and I have paid them around $480 already. This place is a rip off and nothing was on my agreement that they can take up to three payments before it starts applying to the loan. So how much is the interest on the loan? Why was the interest not applied to my loan? They hide a lot of information to take my money.

Desired Settlement: I want them to stop their collections, calls, and emails as this debt is paid in full. As I have already paid them $480 on a $400 loan.

Business Response: Initial Business Response /* (1000, 5, 2013/11/22) */ We are in receipt of complaint #********. We attempted to contact Ms. ****** *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

11/26/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: multiply unauthorized bank draft charges. Blocked calling numbers, Mother in another state, place of employment, threating criminal legal actions. I learned they were over charging. I paid above and beyond in fees. I notified them in writing in the state I lived they were not allowed to loan over 500 in payday loans. I notified them in April 2013. Reference: Loan/Account Number ****** AWL

Desired Settlement: To stop harassing threating and contacting me.

Business Response: Initial Business Response /* (1000, 5, 2013/11/13) */ We are in receipt of complaint #********. The account is currently owned by a third party. We are in the process of retrieving the account so that we can attempt to reach a resolution with Ms. ****** *****.

11/18/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I did a payday loan through the company. They did not explain there interest charged policies They are not clear in their practices and terms of the loans that they distribute. They are charging over 50% interest per month on a principle loan amount, and charging interest after the loan is satisfied.

Desired Settlement: I want to pay off the principle, I have already paid the amount of the loan (1400) interest only in 4 weeks

Business Response: Initial Business Response /* (1000, 5, 2013/11/13) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by **** **********. As of November 13, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

11/18/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Payday loan is illegal in my state of NH i took out a payday loan from the company American web loan on July 19 2013. I later found out after research that the intrest rate exceeds my states limit. I calledAmerican web Loan on October25 2013 and they said i signed a waiver therefore waiving my rights.They are not licensed with the New Hampshire banking regulation making the loan illegal.

Desired Settlement: refund of $380

Business Response: Initial Business Response /* (1000, 5, 2013/11/01) */ We are in receipt of complaint #********. We attempted to contact ******* *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response.

11/18/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The company gave me a $600 loan when $400 was requested. They have taken $165 from my bank account every 2 weeks since April 15, 2013. In April of 2013 I requested a $400 payday loan. I was approved and $600 deposited in my account. Nebraska law limits payday loans to $500 or less. Since April 15, 2013, $165 have been withdrawn from my checking account every two weeks. As of today I have an outstanding balance of $475, even though I have paid the company approximately $1,500. I do not believe the company is registered with the Nebraska Department of Banking and Finance either.

Desired Settlement: I would possibly like to have some of the money refunded or at least be told that the loan is paid in full. If they are not registered in Nebraska, I would like the Nebraska Department of Banking and Finance to take action.

Business Response: Initial Business Response /* (1000, 5, 2013/11/07) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* *******, however, we have not heard back from Mr. ******* concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2013/11/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue is clearly outlined in the complaint. Any contact with me by the business should be in writing for documentation purposes. I will be contacting the Nebraska Department if Banking and Finance to determine if the company if licensed to do business in Nebraska. I will also contact them regarding the loan amount which exceeds $500. Tim ******* Final Business Response /* (4000, 9, 2013/11/11) */ We are in receipt of complaint #******** for Mr. ******* *******. As requested, we will honor Mr. *******'s request to no longer be contacted by phone. However, we have sent Mr. ******* an email with a good faith offer. Let us know if you have any further questions.

11/18/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I started a n account 8/6/2013 in the amount of $500. thus far as of 10/11/2013 I've paid $600 in which the company says didn't go towards my loan. when I opened the account I spoke on the phone with a representative to discuss how there company works. She informed me that my payments would be $150 Biweekly until the loan was paid. I decided to call American Web Loan to make sure my last payment would be on 10/25/2013 to find out that none of the money that they have taken from my account has gone towards my loan. I notified the bank 9/27/2013 and requested a stop payment for that account in which I had to pay $30. Checking my account on 10/11/2013 this company has put in a different name to access my account, again I contacted the bank and they said that was illegal and they again put a stop payment on the account they used.

Desired Settlement: I have already paid $600 this company should be willing to accept the money they have already collected and stay out of my account.

Business Response: Initial Business Response /* (1000, 5, 2013/10/17) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2013/10/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) No one has tryed contacting me. There are no messages left by this company nor is there an email pertaining to the complaint.. Final Business Response /* (4000, 20, 2013/11/06) */ We are in receipt of complaint #********. We attempted to contact Mr. ******* ***** six times, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. In addition, he is welcome to return our call. We can be reached at 877.636.1353 Ext. 1313 Final Consumer Response /* (3000, 18, 2013/11/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not seen a letter nor have I received a phone call. If phone calls were made, I have voicemail, there were no messages left from this company. I really would like to resolve this matter asap.

11/11/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: American Loan violates peoples private and personal information,they are bullies and scam artist. Sept29,2013 I went online to inquire about a payday loan, I did a questioniar and it said I would recive a email telling me if I qualifed or not. Within 24 hours I did recive a email from them that said I could recive up to 1,000.00. It said to click on the link provided and fill out the application to see the loan I am qualifed for. I did not click on the link,I deleted the email because the email amount it said we could qualify for was not enough to help us.From Sept 30,2013 to today 10/08/2013 a man named **** ****** has called every day three to fours times a day leaving messages saying call 646-396-7619.Today **** called three times and on the third message he said He was the LOAN ENFORCER and that a lawsuit has been filed against me social security number and he actually said my social out loud to me and he said there has been a lawsuit filled against my name as well. My number is a cell phone but there are 4 people in my home that uses that phone,and he violated my privacy.I do not want a loan from this company,I have not agreed to anything with this company. I dont want this company harrassing me.

Desired Settlement: I want the constant phone calls to stop,I do not want anything from **** or this company.I do not want any money from them and I do not owe them any money.I want what ever private and confidential information they might have needs to stay just that !This **** guy can not go around Violating peoples personal information and harrassing people into getting a loan.

Business Response: Initial Business Response /* (1000, 5, 2013/10/14) */ We are in receipt of complaint #********. We attempted to contact ***** *****, however, we have not heard back from Mrs. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mrs. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 7, 2013/10/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I Didn't have to call them back, After I filed this complaint I had 2 nice quite days no calls,and then it started all over again because I am still getting at least six or more calls a day.The message that this lady left said that I had the wrong company ,Seemed really concerned but then I noticed the number she called from, Well I have ID caller and The number she called me from is the same as the others that this guy **** called from and Marie ETC.I also recived a call at my work today From a ***** who said shw was from this company,when I asked where was she located she said Nevada,and I asked for the phone number.... It was the same Number That the Others called from ! Final Business Response /* (4000, 9, 2013/10/25) */ We are in receipt of complaint #********. We attempted to contact Ms. ***** ***** once more, we left her a message to contact us concerning why she has any issue and/or complaint with American Web Loan. However, we have not heard back from Ms. *****, therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response.

11/8/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Misinformation about taking out a loan. Charging too much interest on a loan. In September 2013 I took out a $500 loan with American Web Loan. The representative told me that there would be a 30% interest charge with the loan. The way it was explained and to my understanding I would pay them back $650 total. This is what the representative explained to me so I agreed to it. They have already taken out four payments from my checking account in the amounts of $150 each. In October 2013 they emailed me stating October 18, 2013 would be my last payment and the loan would be satisfied. I decided to call American Web Loan right after that to check the status of my loan and a different representative told me that I owed 17 more payments. I was devastated! It seems like a $500 loan is going to cost me $2200. I really would like to know what I can do or should do to get assistance with this matter. American Web Loan has my checking account number and if I close my account their going to put me into collections. Please help me with a solution. Sincerely!

Desired Settlement: Stop payments.

Business Response: Initial Business Response /* (1000, 5, 2013/11/06) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ***** ******. As of November 6, 2013 the concern has been resolved. ***CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

11/1/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The loan rep tricked me into the loan and did not answer my questions in the right way for me to understand the loan. The rep I was on the phone at the time of the loan did not explain the loan payback the right way she made it seem if I pay 210.00 for 4 to 5 payments my loan would be payed off when really the 210.00 was justb to extend the same balance so there for the 840.00 i payed so far i still have a bal of 700.00 dollars the same amout i took out

Desired Settlement: I want the money i paid applied to the loan so there for i should only owe them 70.00 dollars

Business Response: Initial Business Response /* (1000, 5, 2013/10/18) */ We are in receipt of complaint #********. We had the opportunity to speak with Mr. ****** ******** on 10/17/2013. We addressed the issue and/or complaint against American Web Loan and offered a resolution that we felt was fair to both the consumer and our business. Since all known issues and/or complaints were addressed in our conversation with Mr. ******** and a resolution was agreed upon, we assume this complaint is resolved and there are no outstanding issues and/or complaints. Let me know if you have any further questions. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/31/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Took loans out for $2100, paid back $2827. They are saying I still owe $1100! I took out 2 payday loans from American Web Loan in times of financial distress. To date, I have received $2100 (1000 on 05/30 and 1100 on 08/12) and paid pack $2827. They are saying I still owe them $1100. I am no longer able to make payment on this loan (Loan #******) and have since found out that these loans are illegal in my home state because of the predatory interest rates. I have paid back all of the principle and have tried to email them to see if we can work something out to consider the loan paid in full. They have not responded to my emails and continue to call me at work even though I have requested on multiple occasions that they stop. Please respond via email to work out a resolution to this case.

Desired Settlement: I am seeking a refund for $727, the amount that I have overpaid on these illegal loans.

Business Response: Initial Business Response /* (1000, 5, 2013/10/18) */ We are in receipt of complaint #********. We attempted to contact Ms. ********* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Initial Consumer Rebuttal /* (3000, 11, 2013/10/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept their attempt at a resolution. I did provide what I felt was a fair counteroffer - considered the loan paid in full with no expected refund for overpayment. However, the resolution specialist would not work with me. ***BBB NOTE TO BUSINESS: NEITHER PARTY HAS PROVIDED SUFFICIENT INFORMATION REGARDING THE PROPOSED RESOLUTION FOR BBB TO MAKE ANY DETERMINATION ON CASE CLOSURE. PLEASE PROVIDE AN EXPLANATION OF WHY THE CONSUMER'S PROPOSED RESOLUTION IS NOT ACCEPTABLE.*** Final Business Response /* (4000, 13, 2013/10/25) */ We are in receipt of the follow up complaint #********. In our previous conversation with Ms. ********* ***** we offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ***** did not accept our good faith offer or provide a counter offer. Once more, we attempted to contact Ms. ***** to determine how to resolve the concern she has with American Web Loan. However, we have not heard back from Ms. *****, therefore, we assume there is no further issue to resolve. Let me know if you have any further questions.

10/30/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I took out a loan in August 2013 of $500 to help paying some of my bills after I moved. I called AWL sometime the beginning of Oct 2013 after checking my bank account and knew that I should be done paying back the loan. Due to my financial crisis I am barley affording my living expenses. The customer service lady stated that I still have installment payments to make that ends in April 2014. I was taken a back because I explained to her how can that be when I only borrowed $500 by paying $150 biweekly to which I started repaying in Sept 22 2013 and according my calculations I have paid over $700. I told her that for a small loan I am paying AWL more than what I took out and it doesn't make sense. I tried clicking on the link to see your contract and it doesn't work. She told me that I could delay my next payment which is OCT 31 and told her that I can't afford any of this anymore and that this should have been explained thoroughly so that I would be clear as to what I am getting into. All I am asking that you all accept this and stop dinging my account for the $500 pay day loan. I will never ever borrow again simply because I can't pay my bills nor buy food for me and pay rent and can't sleep due to stressing over this matter. Please accept this. Please respond to this ASAP by Email. These loans are extremely expensive and outlandish to the point it puts you in more debt. I have read reviews and bad complaints regarding AWL to the point I will have to close my account I have no money for gas to drive to work and can't buy food. I really need for AWL to help with this matter and no longer take any more funds out of my account.

Desired Settlement: The only settlement I seek is for them to except my pay back of the loan and close out my account immediately.

Business Response: Initial Business Response /* (1000, 5, 2013/10/29) */ We are in receipt of complaint #********. We attempted to contact Ms. ******* ********, however, the contact information she provided is invalid. Initial Consumer Rebuttal /* (3000, 7, 2013/10/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) They have not sent me an email to which they have on file! They have my old home phone number to which I can't be not be contacted. But the fact still remains that my email address is on file for them to contact me at my email address! Final Business Response /* (4000, 12, 2013/10/30) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Ms. ******* ********. As of October 30, 2013 the concern has been resolved. Final Consumer Response /* (3000, 11, 2013/10/30) */ I have spoken with AWL and resolved this matter!

10/29/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: American Webloan is not licensed in the state of KY which is my legal residence, therefore the loan that they funded me is invalid and unenforceable. I was given a loan by American Webloan which I later discovered is not legal in the state of Kentucky. I have filed a complaint with the Ky State Attorney General's office also. I have tried to contact American Web Loan to discuss this matter, and spoke to a woman named ******* ******* who hung up on me when I began asking questions about if they are licensed in the the State of Kentucky. She then precedded to call my place of employment which breaks the Fair Credit laws and left a message with one of my coworkers that I owe them money and to call her back at 877-499-5868. I have send numerous emails to American Web Loan because they have taken $3307.50 from my checking account when they should have only taken $1100.00. I am due a refund of $2207.50. I cannot get a response from anyone from this company other than ******* ******* that is rude and hangs up on me when I ask questions.

Desired Settlement: I am demanding a refund from American Web Loan for $2207.50.

Business Response: Initial Business Response /* (1000, 5, 2013/10/17) */ We are in receipt of complaint #********. We had the opportunity to speak with Ms. ***** *******. We offered a resolution that we felt was fair to both the consumer and our business. Unfortunately, Ms. ******* did not accept our good faith offer or provide a counter offer. Let me know if you have any further questions.

10/28/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: American Web Loan deposited money into my account without me reviewing the terms of agreement. Customer service failed to send me a copy or respond. I had taken out a loan back in July from this company American web loan. I applied for it online and was given a phone call after I had completed the application. The lady on the phone stated " This conversation was on a recorded line." I had been approved for a $500 loan. She stated that the loan would be $150 payments every two weeks until the loan was paid off. This meant that I would pay $600 all together. I had called up to make sure that the loan had been paid off and the lady on the phone stated that I have not made any payments towards the loan. She stated i had only paid the interest on the loan. I asked for a copy of my agreement which she stated she would send to me. I asked for her to pull up the recording from when i signed up for the loan as well. She got very angry with me but agreed. She asked what was a good number for her to call me back on and I gave her my number but have not heard anything back. Its been 3 days past the date that my loan EFT should have been taken out and I had put a stop payment on. I still have yet to hear back from AWL.

Desired Settlement: I would like my account showing that it has been paid off.

Business Response: Initial Business Response /* (1000, 5, 2013/10/14) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** *****. As of October 14, 2013 the concern has been resolved.

10/28/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Mis-repesentation of services and where monies paid actually goes. let me start by saying this company takes advantage of consumers in tight situations. My husband went online to money mutual.com and applied for a loan, American web loan popped up. they approved him for a $600 dollar loan with $180 coming out of his check every 2 weeks to repay it with the exception of the first pull out, which would go to them as their fee.(or as he was told). so here we are 2months later, he logs on to his account to try and see when he will be able to refinance the loan,only to see it still shows a $600 dollar balance. Immediately i told him to call the customer service dept to speak with someone. they then tell him that the $180 we have been paying FAITHFULLY every 2 weeks (FOR THE PAST 10 WEEKS) was just interest...THIS WAS NOT WHAT WAS TOLD TO US OVER THE PHONE. why on earth would we agree to pay $900 of INTEREST on a $600 loan??? I FEEL THEY INTENTIONALLY MISLEAD YOU TO ASSUME THE FEE WILL ONLY BE THE FIRST PAYMENT MADE but PURPOSELY don't tell u that they don't put it towards your loan. I truly think this is a rip off because in order for me to pay it off they are requesting an ADDITIONAL $600!!!!!!! Altogether that will be $1500 paid on a $600 loan, who with basic math skills really would go for this...that's more than DOUBLE what was given...RIDICULOUS

Desired Settlement: I would like for the loan to be made current as we have already paid a total of $900 on a $600 loan. I do not want this on his credit as an unpaid loan being that we have paid them more than what was given.

Business Response: Initial Business Response /* (1000, 5, 2013/10/15) */ We are in receipt of complaint #********. We attempted to contact ***** ******, however, we have not heard back from Mr. ****** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mrs. ******, we can amend the response. Final Business Response /* (4000, 8, 2013/10/16) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ******. As of October 16, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/25/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I am being charged $150 interest every 2 weeks on a loan of $500. This amount is not being applied to the principle. The payments I have made are not being applied to the principle but merely as interest. I did not understand this when I took the loan. At this point, I have paid $900 and they are saying that in order to pay off my loan I would owe $650. This is insane.

Desired Settlement: Settle with payment as made. Accept the $900 payment and the $150 they will withdrawal today for a total of $1,050 as payment in full.

Business Response: Initial Business Response /* (1000, 5, 2013/10/17) */ We are in receipt of complaint #********. We attempted to contact Ms. ********* *****, however, we have not heard back from Ms. ***** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Ms. *****, we can amend the response. Final Business Response /* (1000, 8, 2013/10/21) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ********* *****. As of October 18, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/25/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: unlawful debit on my credit card oct 17 2013 stop payment still took payment

Desired Settlement: refund

Business Response: Initial Business Response /* (1000, 5, 2013/10/23) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** *********. As of October 23, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/22/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Threating calls are made to my employer & other people - by their reps / locator service / stating someone is on their way to serve papers on me. This company and their "locator service" is calling my employer, co-workers and individuals in the town I live - which have the same last name - stating that either I gave the number as a reference and/or that someone is on their way to serve papers on me & i am to call them. This practice is threatening & illegal! I have called the number - stating their calls should not be going to anyone other than me - and that this is not to happen again.

Desired Settlement: This company and their locator service - can never call, speak with anyone directly other than me and can not leave a message at any number other than my personal numbers - concerning any matter that involves me.

Business Response: Initial Business Response /* (1000, 5, 2013/10/16) */ We are in receipt of complaint #********. We attempted to contact *** *******, however, we have not heard back from Mrs. ******* concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mrs. *******, we can amend the response. Initial Consumer Rebuttal /* (3000, 11, 2013/10/22) */ American Web Loan made contact in an expediant manner and has settled my complaint. Excellent respones time and service. No futher action is necessary.

10/21/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: 240.00 fee x2(480.00) every 2 weeks of which none went towards the principle loan amount in addition to other concernes; see below. Loan date 08/13/2013 in the amount of 800.00. The loan was attempted to be paid off 2 weeks later, but they said they had the wrong account number; however, we were never notified that they had the wrong account number. They just continued to take 240.00 every 2 weeks. We talked to a supervisor, ******* on 09/28/2013. She was supposed to check into why there was no record of anyone contacting us about the account number being wrong, but she too has not called us back. We had offered to pay the loan amount in full 800.00 by certified check, but she still wanted to charge us 240.00 on top of the 800.00 even though we had already paid the 240.00 twice. Of major concern is that ever since we openend an agreement with them, we have had 16,00.00 come up missing out of our checking account.

Desired Settlement: given the unsatisfactory treatment we have received, and the fact that we have paid 240.00 twice b/c they did not notify us that they had the wrong account number by mistake. They have received 480.00 from us already and given the poor treatment we feel that should be sufficient. In addition to the fact that we have to block them from our checking as we have had great sums of money missing from our checking account (1600.00).

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of complaint #********. We attempted to contact **** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response.

10/21/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I was not made aware of the finance charge for a loan I took out. I took out a $500 loan and have paid back $1,140 they want $2,500 for a $500 loan I was not made aware of the finance charge for a loan I took out. I took out a $500 loan and have paid back $1,140 they want $2,500 for a $500 loan they never told me the interest rate or I would not have taken the loan out. I have paid them back there money and feel like there company is a complete rip off I don't understand why I should have to pay back so much money for a $500 loan.

Desired Settlement: That they stop taking money out of my account since I have paid there money back.

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of complaint #********. We attempted to contact ****** *****, however, we have not heard back from Mr. ***** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. *****, we can amend the response. Final Business Response /* (1000, 8, 2013/10/09) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ****** *****. As of October 08,2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/21/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Providing invalid information to customers which is not reflected in the contract. On 9/7/13 I applied for a loan with this company for $700. At no time was it explained to me either verbally or in writing that no portion of my payments, which are currently $210 biweekly, would not be applied to the principal. I found this to be true after 2 payments still owing $700 by checking my online account. Upon calling today 10/1/13 I was informed that this was an interest only loan and that no funds would be applied to the principal until the last few payments which cease in 4/14. These terms were not specified verbally or in the contract at the time of the application.

Desired Settlement: I would like for their business practices to be reviewed and my funds to be appropriately applied to the principal loan. Paying over $3,000 is not best practice for consumers or in the state of Illinois for a loan of $700.

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of complaint #********. We attempted to contact ******** **********, however, we have not heard back from Mrs. ********** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mrs. **********, we can amend the response.

10/21/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: AMW has been taking $240 out of my account every other week, claiming it is only for interest. I never agreed to that nor was I aware of it. I was struggling after I started working for a new company. I was advised by this company that I would be making $14.75 and working full time. At least for the first month of my employment there, making $14.75 was true but I was getting part time pay. This caused me great financial issues, especially after my car broke down and I had to rent a vehicle for over a week until it was fixed. I had to borrow something. I filled out their online application. As with other lenders online, I paid attention to what their policy was. There was nothing that stated they would be withdrawing interest only if I did not make payments. I assumed, since they were taking money, it was toward my balance. What other logical reason would there be? After the third payment, I decided to log in to their website to see how much I owed. I discovered, it had a zero balance for payment. I then called American Web Loan and the gentleman told me that it was only toward the interest. I NEVER agreed to this. I then attempted to log back in to my account to see where it stated that I agreed to these terms. I could not log in. Even the security answers that I recently created weren't correct. Because of all the turmoil that has happened, I did not write the dates. Well, my job ended up laying off 30 new hires. I was fortunate, at the time, to keep my job but working under a different function taking a pay decrease of $1.75. I attempted to make it work. This passed week I was laid off. American Web Loan has taken a total of $980 out of my account. I only borrowed $800. I am fully aware of interest rates but what they are doing isn't right at all. By tomorrow, they will have taken $1220. As far as I'm concerned, I've paid them the money.

Desired Settlement: I am asking this business to stop withdrawing any more money out of my account. I paid. Why wouldn't the company apply the fees they took out of my account toward my balance? There was nothing stated that I had to pay within a month. There is no reason for them to just take interest, especially of $240. If a business has access to my account, normally they would withdraw what you owe, not interest. Their practice seems to be illegal. I've received loans before and have never had any of them pull just interest from my account. They took what I owed and that was it. They have the same interest rates as everyone else. AMW needs to completely stop taking money out. I paid.

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of complaint #********. We attempted to contact ****** ****, however, we have not heard back from Mr. **** concerning why he has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mr. ****, we can amend the response.

10/21/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The amount of interest and how the loan was to be paid back was very vague and missleading When we tried to pay on the loan on AWL website, the amount and interest were not available and choices were not adequate to allow us to make informed decisions. The loan was originatged on July 11, 2013. The loan number is ******. We have paid AWL $1,500 at $300 twice/month on 8/5, 8/20, 9/6, 9/20, and on 10/5/2013. I called them on 10/5 to see why they were still taking #300 from my account and they said that all the money so far was just interest and I still owned the original amount of $1000 and if I didnt pay in full that this would continue for a total of 7 1/2 months and then they would close the loan. This was never discussed or brought to my attention and had no idea that I would be paying $600/month interest for the next 16 weeks which would total $4800.00 for a $1000.00 loan in a short period of time. This surely can not be legal as I thought there are interest limits to protect the consumer from this kind of activity. I need to get this loan closed but see no way of doing it at this level of interest. This is what I would call legallized theft.

Desired Settlement: I would think that what I have paid them so far would be a sufficient amount. $500 dollars interest in less than 60 days is still a hefty interest rate. If I cant get this setteled very soon, the cost of doing business with this company is unsusstainable.

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ***** ******. As of October 07, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/21/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I got a loan from this company they have been repaid three times over and are still trying to take money from my account. my payments were 240 dollars every two weeks on a 800 dollar loan the loan has been repaid three times over the original amount they continue to try and take funds from my account they are now saying the 240 dollar payments were just for interest.

Desired Settlement: repayment of the over paid amount of 2400 dollars

Business Response: Initial Business Response /* (1000, 5, 2013/10/18) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by Mr. ****** *******. As of October 18, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THIS MATTER IS RESOLVED***

10/21/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I took a $500 payday loan and they told me with finance charges it would be $650 total. In practice they have taken $150 in finance 3 times. 8/30/2013 Originally took out a $500 loan with $150 finance charge. I chose the repayment option I could afford and was told my total debt was $650. Instead I have been hit with debit's totaling $300 dollars + and it has only been for finance charges. None has paid the principal so I am running in place and will never be able to pay it back with this option. The reps were not clear in their verbal explanation and it was not clear in their written correspondence. I feel defrauded by their false advertising and shady business practices.

Desired Settlement: I would like the money I have paid apply to the 650 balance of the loan and owe only the difference and for them to stop charging me finance charges of 150 every 14 days. I would also like them penalized for false advertising.

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of complaint #********. We attempted to contact **** ******, however, we have not heard back from Mrs. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mrs. ******, we can amend the response.

10/21/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They gave me a loan and they want to charge me more than what they told me when I applied. The charges on the loan amount are different from the ones that they offered me. I was told that my loan would be paid in 7 payments, now they will get 16 payments of $190.00 for $600.00 that i borrowed, this is ridiculous.

Desired Settlement: I want to pay the $600.00 in 7 payments as they told me form the beginning

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of the Complaint Case #38047338. We have reviewed the complaint submitted by ***** *****. As of October 07, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED***

10/21/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This business is debiting my bank account without authorization. I identified a bank deposit into my bank account on 9/24/13 for a business called American Web Loan. I contacted my bank immediately that day and let them know I did not authorize any payments into my account for $500.00. I found the phone number for this company online and called that same evening. I was told that I applied for an online loan and then called them to secure my information over the phone. I told them I did no such thing and they needed to reverse the transaction. They told me they would reserve the transaction on 9/26/13. On 9/25/13, they reserved the $500 they put into my account and I called the bank to let them know. Then on 9/26/13, they took out another $500 for a total of $1000.00 being withdrawn from my bank account. So I returned to the bank and the bank manager called American Web Loan and told them they needed to reverse their error again but they said we had to do a stop-payment so we did. I had to open another bank account but I couldn't close that account because of other direct deposits that I needed to stop first. Then I received an email with loan documents attached stating that I borrowed $500.00 on 9/20/13 at a rate of 791.37% and my total repayment on the $500.00 was $2450.00! I never requested this loan or provided my information but they are trying to say I requested this loan and they are going to continue to try to withdraw monies from my bank account! At the date and time of this loan, per the loan documents, I did this transaction at 7:14am on 9/20/13. I'm driving to work during this time and do not access a computer until I get to work and these types of websites are blocked.

Desired Settlement: I need this to stop because this is fraud! I need all the money they took out of my bank account returned which is a total of $1000.00. I would like to not only recover what was taken but I would like for this company to have whatever license they have pulled or something. They should also have to pay for all of the time I have to take off work to deal with the bank to try to get this resolved. Having that type of money taken out of my account affects my ability to pay my rent and bills and I NEVER requested this at all.

Business Response: Initial Business Response /* (1000, 5, 2013/10/08) */ We are in receipt of complaint #********. We attempted to contact ********** ******, however, we have not heard back from Mrs. ****** concerning why she has any issue and/or complaint with American Web Loan. Therefore, we assume there is no issue to resolve. If we are able to reach Mrs. ******, we can amend the response.

10/10/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I applied for a loan and was told that 3 payment of 120.00 would complete my paying it back. I called to check the balance and was told another story. In August I applied for a loan to help me pay my car payment and a few other bills. It was for 400.00. I was told that 3 to 4 payment of 120.00 dollars would complete the re-payment. It would be taking out of my checking account when the payemnts were due. I called today 09/26/13 just to check the status of my account and to ask about when it would be repaid and the woman who's name is *** said that the actual 120.00 a month is a " service fee" it does not go toward your actual balance. I was not told this last month when I received this loan. This is a complete scam. I am very upset because I thought this was a great place to apply for a loan and even referred a few friends. Now I am going to call them and tell them to run the other way. American Web Loan rips people off! I am sick to my stomach knowing that 120.00 dollars was taken out of my account and it was not even put towards my balance! They are pocketing money basically and it is disgusting. I am a student and cannot afford for my money to just go to a "service fee". I work very hard full-time as well and have put other bills to the side just to pay these people. Now I have to change my bank account info so that no more funds are removed. If I don't they will continue to take 120.00 out of my account for basically nothing. I feel completely misled. please help!!!!

Desired Settlement: I am seeking back my 120.00 from 09/13/13 as well as the 120.00 that will be taken out of my account on 09/27/13. Also a letter of apology from management as well as an explanation as to why they scam people. I want interest fees refunded as well.

Business Response: Initial Business Response /* (1000, 5, 2013/10/07) */ We are in receipt of the Complaint Case #********. We have reviewed the complaint submitted by ***** ******. As of October 07, 2013 the concern has been resolved. ***BBB NOTE TO CONSUMER: PLEASE CONFIRM THE MATTER IS RESOLVED.***


Customer Review(s)

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Customer Reviews Summary

20 Customer Reviews on American Web Loan
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